Flik FX is exploring the potential of community bonds as a means to engage local investors and fund community-centric projects. The company seeks to establish a legal framework for these bonds and assess their attractiveness to potential investors. The project aims to provide a comprehensive analysis of the legal requirements and investor readiness for community bonds. Students will research existing legal frameworks, identify key regulatory considerations, and evaluate investor interest and potential barriers. The goal is to equip Flik FX with a clear understanding of the steps needed to implement community bonds effectively, ensuring compliance and maximizing investor engagement.

- Research existing community bond frameworks and legal requirements.

- Identify key regulatory considerations for implementing community bonds.

- Evaluate potential investor interest and identify barriers to investment.

- Provide recommendations for Flik FX to establish a compliant and attractive community bond offering.

Objective: To prepare all legal, financial, operational, and compliance materials required for Flik Fx to confidently launch and manage a $1 million community bond campaign. This project ensures that once the Bond Builder App is live, Flik Fx is fully back-end ready to accept investment in a legal, scalable, and investor-friendly way.

This project focuses on the legal and strategic infrastructure needed to:

• Legally issue bonds in Ontario and/or other Canadian provinces
• Build investor trust through transparent and professional documents
• Prepare scalable operational systems for ongoing bond management
• Create the narrative, messaging, and compliance backbone for future investor relations

Core Research & Deliverables:

1. Legal & Regulatory Research Report

• Summarize securities regulations for issuing community bonds in Ontario, including:
• Use of Offering Memorandum Exemption
• Accredited investor criteria
• Non-profit vs for-profit bond issuance legal structures
• Disclosures required by OSC, FSRA, CRA
• Compare alternative structures: promissory notes, SAFEs, convertible debt
• List trusted legal advisors or law firms experienced in social finance
• Provide a simple “legal flowchart” showing the approval process
• Identify timelines for approval, and potential costs (legal fees, filing fees)

2. Community Bond Agreement Templates

• Draft 3 legally sound bond templates:
• 3% for 5 years
• 4.5% for 5 years
• 6% for 3 years
• Include:
• Clear investment terms
• Risk disclaimers and security language
• Schedule of returns and payout mechanics
• Exit or buyback options
• Terms of default and investor protection
• Use plain language summary boxes for accessibility
• Ensure formatting is ready for digital signing platforms (DocuSign, PandaDoc)
• Optional: translate a summary into French or investor-friendly infographics

3. 5-Year Financial Modeling Toolkit

• Create a dynamic, editable Excel/Google Sheets file that models:
• Revenue projections (2, 4, and 8 location models)
• Monthly bond repayment obligations by tier
• Stress scenarios (50% revenue shortfall, 6-month delay, etc.)
• Summary table of ROI to investor by year
• Total payout liability by bond type
• Include charts for use in pitch decks or investor meetings
• Bonus: Create a dashboard view (using Google Data Studio or Excel visuals)

4. Full Investor Documentation Suite

• Write and design:
• Investment Summary One-Pager
• Investor Welcome Letter
• Bondholder Rights & Obligations
• Risk Disclosure Form (plain and legal versions)
• Tax treatment FAQ (interest income, RRSP/TFSA eligibility)
• “How to Invest” Step-by-Step Guide
• Refund/Cancellation Policy
• Communications timeline (when will investors get updates, payouts, reports)
• Investor Verification Checklist (to confirm identity and status)

5. Investor Infrastructure & Admin System Design

• Recommend and map out backend systems, including:
• Investor CRM (Airtable, Notion, HubSpot)
• Document storage (Google Drive folder system with permissions)
• Email management & campaign tracking (Mailchimp or ConvertKit)
• Reporting dashboard (Google Sheets or Power BI Lite)
• Develop workflows for:
• Annual interest payments
• Quarterly updates to investors
• Digital document signing and investor onboarding
• Secure contact database with opt-in compliance
• Optional: mock up investor onboarding form, admin dashboard UI concept

6. Bond Launch Marketing & Compliance Plan

• Develop:
• Press release to announce bond offering
• 3-part cold email campaign (awareness → interest → close)
• Template pitch script (in-person or Zoom)
• Social media caption pack (10 short posts)
• Suggested video outline for intro video
• Include compliance checklist:
• Legal disclaimers for use in public promotion
• Where and how marketing is allowed (avoid “public solicitation” restrictions)
• Approved platforms for sales (e.g., FrontFundr, direct to site, etc.)
• Bonus: create visual compliance-ready ad mockups (Instagram, LinkedIn)

7. Competitor & Sector Benchmarking Report

• Profile 3–5 organizations that have raised capital through community bonds or private debt:
• SolarShare
• Centre for Social Innovation
• Tapestry Capital client examples
• Compare:
• Interest rates and durations offered
• Legal structures used
• Investor outreach methods
• Volume raised and reinvestment patterns
• Website design, tone of voice, investor tools used

8. Executive Summary & Pitch Deck (Investor Version)

• Create a 10-slide investor-ready deck:
• Problem → Solution → Market → Revenue → Impact → Bond Offer → Terms → Team → Risk → Call-to-Action
• Include:
• Bond options
• Visual ROI summary
• Social impact messaging (Black-owned, woman-led, tech-for-good)
• Pair with downloadable 2-page bond overview PDF
• Optional: create a simple Figma mockup of a future investor portal UX

Student Output Checklist:

Timeline: 6–8 weeks, with weekly deliverables and mid-project review

Final Outcome: Flik Fx will be 100% investment-ready. You will have:

• Legally sound and customizable bond contracts
• A robust financial model that can be toggled and stress-tested
• A professional, complete investor documentation suite
• A clear, visual CRM and document system ready to scale
• Marketing and compliance assets to begin promotion
• An investor pitch deck and onboarding flow that mirrors best-in-class community bond campaigns

This project is critical to supporting the technical app with the legal, financial, and operational power to attract real investors — confidently and compliantly.