Online investment marketplace Republic listed an offering for a digital representation of SpaceX shares via the platform’s “Mirror Tokens,” or rSPAX, which is a tokenized Contingent Payout Note. The offering had a funding cap of $8 million.
The successful initial public offering (IPO) of SpaceX (NASDAQ:SPCX) should provide an exit opportunity for investors in the vehicle as a Qualified Liquidity Event.
Initially, Republic sought to open the offering to retail investors in the US, but apparently, outside pressure compelled the platform to provide the offering only to Accredited Investors and non-Accredited Investors outside the US. The stated valuation of SpaceX, according to the offering page, was stated at $1.35 to $1.4 trillion. The offering page outlines when investors may be paid: “at the 10-year maturity or at a qualifying event for SpaceX– like an acquisition, IPO, or company dissolution.”
While rSPAX investors may receive a good outcome on the investment, the partnership between Bitget and Republic on IPO Prime, which aimed to support a pre-IPO tokenized offering, was disappointing. The offering, which reportedly generated over $177 million in investor interest, failed when the project was unable to acquire shares.
While some in the online capital formation sector criticized Republic’s attempt to offer exposure to SpaceX prior to the IPO, the initiative highlights the discrimination that federal rules currently impose on smaller investors compared with those with larger bank accounts.
Have a crowdfunding offering you’d like to share? Submit an offering for consideration using our Submit a Tip form and we may share it on our site!
What every passive real estate investor needs to understand before they’re in this moment.
You invested passively in a real estate deal. You did your diligence on the sponsor. You signed the documents, wired the capital, and started receiving distributions. Everything was going according to plan.
Then you got an email.
Subject line: “Important Update on Your Investment.”
It wasn’t a distribution notice. It was a capital call. The sponsor needed additional capital from investors to keep the deal moving forward.
If you’ve been investing in real estate syndications for any length of time, you’ve either already received one of these or you will. And the investors who handle them well are the ones who understood what they were before they found themselves in the middle of one.
This post covers what capital calls actually are, why this market cycle has produced so many of them, what your real options are, and how to evaluate what you’re being asked to do before you make a decision.
Disclaimer: This article is for informational and educational purposes only and does not constitute financial, legal, or investment advice. Any investment involves risk, and you should consult your financial advisor, attorney, or CPA before making any investment decisions. Past performance is not indicative of future results. The author and associated entities disclaim any liability for loss incurred as a result of the use of this material or its content.
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What a Capital Call Actually Is
A capital call is a request from a sponsor for additional investment capital beyond what you originally committed. It is not a margin call. It doesn’t mean the deal is automatically in trouble.
Here’s something that often gets missed in these conversations: a capital call is almost always the last thing a sponsor wants to send.
Think about it from their side. They raised money from investors who trusted them with that capital. Sending a capital call means going back to those same people and saying, we need more. No operator does that lightly. By the time that email goes out, they’ve typically already looked at every other option, stress-tested the numbers, and talked to their lenders. This is where they landed.
That doesn’t mean every capital call represents good news. But it usually means the sponsor is fighting for the deal rather than walking away from it. That context matters when you’re deciding how to respond.
Why You’re Seeing More of These Right Now
If it feels like capital calls have become more common over the last two to three years, that’s because they have. And there’s a specific reason for it.
The Federal Reserve raised interest rates 525 basis points between March 2022 and July 2023. That is the fastest tightening cycle in roughly 40 years. Many real estate deals underwritten in 2020 and 2021 were built around a very different rate environment. Low rates, abundant debt, strong rent growth. That environment is gone, and the deals that were structured around it are feeling the pressure.
A few specific dynamics are driving the capital calls you’re seeing today:
Floating rate bridge loans
A lot of value-add multifamily deals were financed with short-term floating rate debt. The business plan was to renovate, stabilize, and refinance into long-term fixed debt within two to three years. When rates rose and values softened, that refinance either became impossible or required significant additional equity to close the gap. Deals that looked fine at origination ran into a wall they didn’t see coming.
Rate cap expirations
When sponsors took out floating rate debt, lenders required them to purchase interest rate caps to limit exposure. Those caps are expiring now, two to three years later. Renewing them at today’s rates costs significantly more than the original caps did. That’s a real cash need that wasn’t in the original budget.
Rising operating costs
Property insurance premiums have increased substantially in many markets, particularly in the South and Southeast. Labor and materials costs for renovations came in higher than projected. These aren’t excuses. They’re real line items that moved against deals that had little margin to absorb them.
Rent growth stalled
In many markets, the strong rent growth that operators underwrote to support their projections slowed or reversed as new supply came online. That affected cash flow and made refinancing at favorable terms harder to execute.
None of this is unique to one sponsor or one market. This is a cycle-wide pressure that has stressed deals across the industry. Many sponsors who are sending capital calls today are not bad operators. They are operators who made reasonable assumptions in 2020 and 2021 that the rate environment made untenable. The ones handling it well are the ones communicating clearly, coming to investors with a plan, and standing behind their commitments.
That context doesn’t mean you write a check automatically. It means you evaluate the situation with the right frame.
Why They Happen
Within that broader market context, capital calls are triggered by a specific gap between what the original underwriting projected and what the deal is actually experiencing.
The most common causes:
Bridge loan maturity. The deal was financed with short-term debt, and that debt is coming due. The sponsor needs capital to extend, refinance, or pay it down.bbbbbb
Floating rate debt repricing. The numbers that worked at acquisition stopped working when rates moved.
Rate cap expiration. The caps are expiring and renewing them at current rates costs more than the original budget allowed.
Unexpected capital expenditures. Something the inspection didn’t catch. A repair the reserve fund can’t absorb.
Occupancy shortfall. The property isn’t leasing at the pace the business plan assumed, and operating income is below projections.
The size of the ask matters too. I’ve received capital calls ranging from 7% of my original investment all the way up to 40%. Those are not the same conversation. A 7% ask to renew a rate cap is relatively contained. A 40% ask to restructure debt on a struggling asset is a fundamentally different situation and deserves a fundamentally different level of scrutiny.
The size of the ask is the first signal. It tells you something about the scope of the problem before you’ve read a single word of the memo.
This Is a New Investment Decision
Here’s the most important framing for this moment.
When you receive a capital call, you are not just deciding whether to send money. You are making a new investment decision with updated information.
When you evaluated this deal the first time, you looked at the sponsor’s track record, the market conditions, the business plan, the projected returns, and the risk factors. You need to do that same work again. The situation has changed. The analysis has to change with it.
Here is what you need to get clear on before you make any decision:
What is the money specifically for?
Not a general explanation. A specific use of funds. Is it to extend a loan, cover a renovation, stabilize occupancy, shore up reserves? The more specific the answer, the better sign. Vague answers to this question are a red flag.
A sponsor who knows what they’re doing can tell you exactly where every dollar is going.
What does the revised business plan look like?
Not just what went wrong. Where is the deal going from here? What’s the updated timeline? What are the new projections given current market conditions? Does the math still make sense, or is this capital call just buying time on a deal with no real path to recovery?
Those are two very different situations.
What happens if the capital call isn’t met?
This is the question most investors forget to ask. Get a direct answer. Is there a default risk? Could the lender foreclose? Is a sale being considered? Is there a plan B? Y
ou need to understand the downside of saying no, not just the upside of saying yes.
Is the sponsor contributing additional capital alongside LPs?
A sponsor who puts more of their own money in is a meaningfully different signal than one who is not. It tells you they believe in the revised plan. It tells you they have skin in the game.
What does the capital call memo actually show you?
Sponsors send these with supporting documents. Read them carefully. Look for a clear breakdown of how the funds will be used. Look for updated financial projections that reflect current conditions, not the original underwriting. Look for a realistic exit timeline. And look for what the sponsor has already done to stabilize the deal before sending this request.
If a sponsor can’t answer these questions clearly, that is as much information as the capital call itself.
Your Two Options
Once you’ve done the diligence, you have three actual options. None of them is automatically right.
1. Contribute.
You evaluate the revised plan, it holds up under scrutiny, the ask is proportionate to what’s needed, and you decide to put in more capital. I’ve done this.
There have been deals where contributing was clearly the right call because the asset was fundamentally sound, the issue was market-driven rather than operational, the sponsor had a credible plan, and they were putting in capital alongside investors.
That combination of factors changes the calculus.
2. Pass.
The revised plan doesn’t hold up. The numbers don’t work even with new capital. The sponsor can’t give you a clear picture of the path forward. Or the ask is too large relative to what you can realistically recover.
I’ve passed on capital calls too. And I’ll be honest: passing is uncomfortable.
Here’s why. When you decline and other LPs contribute, your equity position gets diluted. Here’s what that actually looks like.
Say you invested $100,000 in a deal where total LP equity is $2 million. That’s a 5% ownership stake. Now there’s a capital call for $400,000. You decline. Other LPs contribute. Total equity is now $2.4 million. Your $100,000 stake is now roughly 4.2%.
You still own a piece of the deal. But it’s a smaller piece. That’s the real cost of passing, and it’s worth running the math before you decide. If you’re weighing how to offset potential loss from capital calls, understanding dilution is step one.
Sometimes that cost is worth absorbing if the deal doesn’t have a credible future. Sometimes it isn’t. That’s a judgment call that only you can make with the information in front of you.
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Not All Capital Calls Are the Same
This is worth saying directly.
There is a meaningful difference between a sponsor who hit a market condition they couldn’t control, maintained transparent communication throughout, explored every alternative before asking investors for more, came back with a specific use of funds and a credible revised plan, and put their own capital in alongside yours.
And a sponsor who mismanaged the asset, gave vague or infrequent updates, and is now asking for more money without being able to clearly explain what changes and why the new capital solves the problem.
The capital call itself doesn’t tell you which situation you’re in. The quality of the communication, the specificity of the plan, the sponsor’s track record leading up to this moment, and how they’ve behaved when things got hard, that’s what tells you.
A good operator in a bad market is a fundamentally different situation from a bad operator in any market. How you respond should reflect that difference. Understanding when a real estate deal doesn’t go as planned — and what your options actually are — is what separates reactive investors from informed ones.
The Standard for Making the Decision
A capital call is not a verdict on your investment. It’s a decision point.
The worst thing you can do is respond emotionally. Contributing more money because you’re afraid of losing what you have is not a strategy. Passing because the ask makes you uncomfortable isn’t either.
The standard is the same one you applied going in: evaluate the sponsor, the revised plan, and the underlying asset. Ask the hard questions. Get specific answers. Run the dilution math if you’re considering passing. If you want a broader lens on managing investment risk across your portfolio, that context helps here too. Then make a decision you can stand behind.
Investors who navigate capital calls well aren’t the ones who never receive them. They’re the ones who know what to do when they do.
Were these helpful in any way? Make sure to sign up for the newsletter and join the Passive Income Docs Facebook Group for more physician-tailored content.
Peter Kim, MD is the founder of Passive Income MD, the creator of Passive Real Estate Academy, and offers weekly education through his Monday podcast, the Passive Income MD Podcast. Join our community at the Passive Income Doc Facebook Group.
Disclaimer: I am not a CPA, attorney, or financial advisor. The information in this post is for educational purposes only and should not be construed as tax, legal, or financial advice. Please consult a qualified professional about your specific situation before making any decisions.
Trump’s Ultimate Fighting Championship Freedom 250 spectacle on the White House South Lawn resulted in record bonuses for the winners. The fighters, though, didn’t get paid in U.S. dollars, which would seem to be the obvious currency for such an event. Instead, the prize money came in the form of USD1, a type of synthetic dollar known as a stablecoin, that is run by the Trump family’s cryptocurrency business, World Liberty Financial.
This arrangement created an ethics scenario that would otherwise be illegal for most federal officials and could be treated as a crime, said Richard Painter, a former chief White House ethics lawyer in the George W. Bush administration.
“If a Treasury secretary had a financial interest in World Liberty and then participated in any government matter that had a knowing economic impact on World Liberty, that Treasury secretary very likely would commit a felony,” Painter told Fortune.
Under the federal criminal statute 18 U.S.C. § 208, Painter noted, most executive branch employees are barred from taking part in official matters that clearly affect their own financial interests or those of close associates. The president, vice president, and members of Congress, however, are exempt.
In Trump’s case, that exemption allows him to take part in events that feature World Liberty Financial, which issues USD1. Stablecoins like USD1 are backed by cash and government debt, and their issuers earn interest on those reserves, turning every dollar held in tokens into a steady revenue stream.
World Liberty Financial was founded in 2024 by members of Trump’s family and close business associates. Since its creation, it has become one of the most lucrative parts of the president’s portfolio. According to the venture’s “gold paper,” the co‑founders include Trump, his three sons, Middle East special envoy Steve Witkoff and Witkoff’s two sons. The document notes that Trump and Witkoff were removed from the listed team after taking office.
Despite Trump stepping back from the company’s formal governance, his most recent financial disclosure released on Saturday shows he has made more than $57.3 million from sales of World Liberty’s governance token. USD1, launched in 2025 and backed by cash, U.S. Treasuries, and other cash equivalents, now circulates in the billions of dollars, generating tens of millions a year for World Liberty from interest on the reserves that support the stablecoin.
UFC did not immediately respond to Fortune’s questions about which fighters received USD1 payouts, or about how much they received.
The White House did not immediately respond to questions from Fortune about whether officials had evaluated potential conflicts of interest in allowing a Trump‑linked stablecoin to be used at the event.
The Ultimate Cryptocurrency Trading Course for Beginners | Jegatheesh | Tamil | 2023 தமிழில்
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வணக்கம், இந்த வீடியோவில் உங்களுக்கு பயனுள்ள ஒரு விடயத்தை தெரிந்து கொண்டிருப்பீர்கள் என்று நம்புகிறேன், உங்களுக்கு இந்த வீடியோ பிடித்திருந்தால் உங்கள் நண்பரகளுடன் ஷேர் செய்யவும் , லைக் செய்யவும் , உங்கள் கருத்துக்களை பதிவிடவும்.நன்றி
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Starting July 1, 2026, the federal Grad PLUS program closes to new borrowers, and graduate borrowing is capped at $20,500 a year and $100,000 total. Professional students, such as future doctors, dentists, and lawyers, can borrow $50,000 a year and $200,000 total.
A new overall federal borrowing ceiling of $257,500, which includes undergraduate debt, means many students will reach a hard limit that federal aid alone won’t cover.
Private student loans, including Abe® can help close the gap between the federal caps and the real cost of a graduate or professional degree.
The way students pay for graduate school is about to change. Starting July 1, 2026, the federal government will stop offering Grad PLUS loans to new borrowers and will set new caps on how much graduate and professional students can borrow each year. For people heading into master’s, doctoral, medical, dental, and law programs, federal aid will no longer stretch to cover the full price of a degree.
In partnership with Monogram LLC, which created Abe® student loans, let’s break down what’s changing and how graduate students can plan for the gap. Get a quote here >>
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What’s Ending: The Grad PLUS Loan
Until now, the federal Grad PLUS loan let graduate and professional students borrow up to the full cost of attendance, no matter how expensive the program. Beginning July 1, 2026, that program closes to new borrowers under the One Big Beautiful Bill Act (OBBBA).
However, there is a transition rule. If you already borrowed a Grad PLUS loan before July 1, 2026, and you stay continuously enrolled in your program, you can keep using Grad PLUS for up to three more years or until you finish your program, whichever comes first.
Students who start fresh after that date will not have access to the program at all.
The New Borrowing Caps
In place of unlimited Grad PLUS borrowing, the law sets annual and lifetime limits on the federal unsubsidized loans graduate and professional students can take out:
Borrower Type
Annual Limit
Lifetime Limit
Graduate degree
(master’s, doctoral)
$20,500
$100,000
Professional degree
(medicine, law, and similar)
$50,000
$200,000
Overall federal cap
(includes undergraduate debt)
Cell
$257,500
For perspective, the previous lifetime limit for graduate and professional borrowing was $138,500. The new structure raises the ceiling for some professional programs but removes the safety valve that Grad PLUS provided when a degree cost more than the cap allowed.
Part-time students will see their limits reduced in proportion to their enrollment.
What This Means for Your Family
The household impact lands hardest on students in high-cost programs. Many medical and dental schools carry a total cost of attendance well above $200,000, and four years at a private medical school can exceed $300,000 once living expenses are included.
A professional student who reaches the $200,000 federal lifetime limit could still face a meaningful shortfall, and a graduate student capped at $100,000 may run out of federal aid before the second year of a pricey program.
Families now have to plan earlier. That means comparing program costs against the federal caps before enrolling, building any savings or assistantship income into the budget, and knowing in advance how a funding gap will be covered. The era of borrowing the full cost from the government in one place is over for new students.
Where Private Loans Fit In
Once federal options are maxed out, a private student loan is the main way to bridge the difference. Abe® is built for exactly this situation, offering private student loans for graduate and professional students who need more than the new federal caps allow. In fact, Abe’s loan limits recently increased in order to help many borrowers affected by the Grad PLUS phaseout to continue their educational journey. Borrowers can compare fixed and variable rate options and apply with a creditworthy cosigner to strengthen the application.
Because private loan terms vary by lender and by borrower credit, look at the interest rate, repayment options while in school, and any fees before signing.
Compare your graduate borrowing options with Abe®. Get a quote here >>. Also, check out Abe’s Graduate Scholarship Sweepstakes, open for entries until July 31, 2026. One lucky winner will receive $5,000 ‡ for educational expenses. Click this link to enter and see the sweepstakes rules here.
Action Steps
Confirm whether you are grandfathered. If you borrowed Grad PLUS before July 1, 2026, and stay enrolled, you may keep limited access for up to three years.
Add up your full program cost and subtract the new federal caps to see your likely gap.
Maximize federal unsubsidized loans first, then assistantships, scholarships, and savings.
Borrow only what you need, and check the repayment terms that apply while you are still in school.
Check out Abe® to see how private student loans can fit in.
‡ NO PURCHASE NECESSARY. Open to legal residents of the 50 U.S./D.C., age 18+ who are currently a student or parent of a student enrolled in a graduate program at an Eligible Institution. Void where prohibited. Ends 07/31/26. Click for Official Rules.
Editor: Colin Graves
The post New Graduate School Loan Limits Start July 1: What Students Need to Know appeared first on The College Investor.
Some Chase Ink Plus cardholders recently received an updated benefits email that listed 5X points on shipping and internet/cable/phone services, but did not mention office supply stores as part of the 5X category. That omission could be an error of it could mean that 5X at office supply stores is going away.
The email mentions that “Starting October 1, 2026, your Ultimate Rewards® points will transfer to World of Hyatt® at a rate of 4:3. That means if you transfer 1,000 Ultimate Rewards® points, you will get 750 World of Hyatt points.” It then lists the card’s earning potential:
The good thing is that once you log in, there’s no mention in the account that anything is changing.
When you click “Learn More”, everything still looks business as usual:
For those unfamiliar, the Ink Plus has a $95 annual fee and earns 5X points at office supply stores on up to $50,000 in combined purchases per cardmember year, in addition to cable services, wireless and landline phone services. Chase Ink Cash also gets 5X at office supply stores, but only up to $25,000 in combined purchases per cardmember year.
But obviously, the office supply stores category is the most popular as it includes stores like Staples and Office Depot.
Guru’s Wrap-up
The Ink Plus card has not been available for new applications for year, but it remains one of the most powerful cards for earning Chase Ultima Rewards. If you’re buying gift cards anyway, earning 5X points at office supply stores is one of the easiest ways to supercharge your balance. Hopefully that it not changing.
I have reached out to Chase for comment, and I will update the article with any relevant information.
On the surface, bank mergers might seem like an expansion of financial services to communities. The reality is it’s not as beneficial as it may seem.
Today’s economic landscape is driven by profits, growth, and market share, both global and local. From AI technology, oil and energy, to utilities and local financial institutions, everywhere you look smaller businesses are being merged into global powerhouses.
But that doesn’t mean progress. In some cases, it can lead to higher consumer costs, destabilization of regulations, and a negative impact on the customer experience.
That’s why local banks like Union Bank are more important than ever when it comes to financial services. For over 130 years, Union Bank has worked with local folks in Vermont and New Hampshire to understand their lives and financial needs.
The Hidden Risk of Bank Mergers
Before we dive into details, let’s take a look at what a merger really means, and how it differs from an acquisition.
A merger is when two companies create a single, new company that leverage combined assets and liabilities. An acquisition is when one company (typically a larger company) takes over either all or part of an existing company’s assets and liabilities. Many times, the acquired company becomes a subsidiary by retaining its brand but follows the larger companies’ business model.
In terms of financial institutions, the end result of either a merger or acquisition are typically the same:
Customer service disruptions
Impact on products and fees
Decline in personalized experience
Potential exposure to corruption
Customer Service Disruptions
During any merger there is a transition period where technology, processes, and control platforms are consolidated to reduce redundancy within the bank.
While the banks may see this as critical to growth, it can result in service disruptions on mobile apps, delays in common transactions that can leave customers without access to their funds, and higher wait times for a customer service representative.
Impact on Products and Fees
Having a consistent and reliable experience with financial products like checking accounts and understanding fees are important to all customers.
You don’t want to suddenly see increases in fees on products you’ve used for years, or even worse have free checking accounts now require a monthly fee. There have been noted cases where after a merger certain accounts or products are discontinued or closed, leaving customers in the dark and potentially losing money.
Decline in Personalized Service
A recent study over 20 years of bank merger trends in Northeast showed that for every merger there has been an average of 8.7 bank branch closings. That means customers that relied on their local brank for everyday banking are left without options or need move to another local bank.
In addition, when branches close after a merger it impacts involvement in the local community. Many local banks sponsor fundraising events, contribute capital to energize local business, and provide financial literacy education.
Potential Exposure to Corruption and Unfair Practices
While corruption might not be at the top of the average bank customer’s mind, it can have a tremendous impact and disruption to their banking experience.
Recent examples include a large credit union being fined $95 million for unfair practices of overdraft fees, and the most significant example is a $3 billion fine for anti-money laundering that led to store closures.
Many times, after mergers criminal organizations will take advantage of inconsistent regulation practices that can tarnish a bank’s brand leading to customer distrust.
Stability in Banks Leads to Confidence
Local banks with years of experience like Union Bank offer customers stability and predictability with key factors that help build customer confidence.
The Power of Local Banks
Just because a bank doesn’t have a flashy logo, expensive commercials, or sponsor major entertainment events, it doesn’t mean they are offering less than the big banks. In fact, local banks have a bigger impact on the nation’s economy than you think.
The Independent Community Bankers of America (ICBA) compiled some key statistics about how important the longevity and stability of local banks have on the economy.
Represent $4.0 trillion in consumer, small business and agricultural loans
Have nearly 45,000 locations nationwide
Employ nearly 700,000 people
Make roughly 60% of U.S. small-business loans under $1 million and 80% of banking industry agriculture loans
Are the only physical banking presence in one in three U.S. counties
Comfort in Predictability
Because local banks don’t rely on a large parent company dictating fees, changing application processes at any time, or removing a product without notice, customers can rely on predicable financial services.
This is most important when planning budgets; no hidden or new fees or sudden changes in rates means you can confidently allocate and save your hard earned money.
Straightforward Mortgage Services For New Hampshire Residents
Local banks like Union Bank don’t just serve their customers—they’re part of the same community, just like the people who work there. That connection gives them a clear understanding of the importance of a simple, straightforward mortgage process.
They ensure the application process is clear and offer assistance if needed, handle escrow, offer consistent terms and upfront rates, which means customers can finance their home with confidence.
Control of Decisions
When a bank is merged or acquired by a large bank, the ability to make decisions on a local level is lost. This can impact how local banks make decisions on major changes, customer service policies, or even how they engage and support local initiatives.
Not to mention local businesses can sometimes suffer from not having their full financial potential being taking into account when applying for loans. How can a bank make a decision on your business when they don’t even live in the community or know the business owner? That will never happen at local banks.
The Union Bank Difference
As you can see, large banks that like to merge or acquire banks just for the sake of growth can never match the personalized experience and service like local banks.
Union Bank has been independent and rooted in Vermont and he New Hampshire communities for more than 130 years. We offer the same products and services as the large banks, but with a personalized approach.
Personal Banking – from basic checking accounts, specialty products for seniors, or Money Market accounts, they have you covered all with the convenience of mobile banking
Commercial Accounts – keep your local business running smoothing with checking accounts, merchant services, HR and payroll, and lending products tailored to your business needs
Mortgage Loans – buy your dream home, find a vacation home, or refinance for home improvements, Union Bank has it all
Personal Loans and Credit Cards – consolidate debt, tap into your home equity, or open a new credit card
Wealth Management – take control of your retirement and set up your estate and trust
Union Bank Blog – get sound financial advice and tips to make your money work harder for you
Visit Union Bank at one of their New Hampshire locations, open an account online, or contact them. Once you experience the Union Bank difference, you’ll know why they have been trusted by the Vermont and New Hampshire communities for more than 130 years.
