The Real Story With "Joint Ventures" and Private Lenders

"Joint venture" is probably one of the hottest andthey are equal business partners with you. Next thing
overused words in all of business.you know, the investor wants to help you pick out
I'd like to shoot the person that invented the term.the tile for the bathroom rehab. Not good.
But it's here with us to stay, so in that case, weIn addition to this, some people think they can get
might as well figure out a way to deal with it. It justaround securities laws by saying that their private
seems like everywhere I turn around, somebody hasmoney investor is a joint venture partner, and thus
a joint-venture for me. Most of these so calledthey do not have to comply with the securities laws.
joint-ventures are one-sided: like I take all the riskNot true.
and the person proposing the JV has all the upside.Unless your private investor is a materially
Here's a good one for you:contributing partner on the deal (meaning if their
"Adam, how about I find a deal for you and youprofits can depend upon their actions) then you must
bring the money to fund the deal from your privatestill fill out the required securities filings/disclosures.
investors. You guys can manage and rehab the dealIt can bite you in the behind two ways if you are
and we'll split the profits?"running around proposing joint ventures that really
Whoa! Where can I sign up?.....NOT! (I love bringingaren't.
that term back whenever I can)Keep it nice and clear and concise: you're looking for
It's more like: "how fast can I run the other way!"an investor, not a partner. Well, maybe you are
Why? Because this isn't a "joint venture" and it's notlooking for a partner, but I really caution you against
something I'm even remotely interested in. So, here'sletting other people in on making business decisions
what I told this person: [More...]with you or for you. Never forget the reason YOU
"Ok. Tell you what: you bring me a deal. I will eitherare in business - and that is to make money.
A: pay you a commission or finders fee for the dealBe very leery of anybody proposing a joint venture
or B: purchase the property from you wholesale."to you. Make sure you clearly understand what each
Of course, the other persons interest wanedparty is bringing to the table. If you don't have the
considerably. This tells me one thing - they weremarket knowledge or connections to get the best
interested in making a bunch of money for not a lotdeals, but you can raise the cash and handle the
of value added. This just doesn't work.rehab, be sure that any joint venture you enter into
A joint-venture only meets the definition if bothclearly spells out how much you are getting and what
parties bring considerable value to the table and sharethe other person is getting.
in the profits proportionately with the value theyOf course, there are relative and absolute dollar
contribute. Otherwise, it becomes a "dis-jointed"considerations here. If you have the potential to
venture.make a massive profit on a deal (like six figures or
Now, I'm going to tell you the right way to approachmore) and the other person is really proposing
these things when it comes to private money.something that you'd be dumb to pass up, then don't
Maybe you think that by telling a prospective privatepass it up! Don't be penny-wise and pound foolish.
investor that you'd like to do a "joint venture" withJust make sure that you know what you're getting
them that they will be more enticed to place fundsinto. Spell all the details out on paper before spending
with you. This can really mess things up in yourtime or money. Set up a good operating agreement
relationship with the investor. They may think thator partnership agreement. Watch the dollars.