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DiscussionCrowdfunding (Platform Investor)

anyone else tracking how long their capital actually sits idle between deals

0tomasz_wrotomasz_wroAB2BPRO4
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i've got four notes that matured between january and march this year, three of them sat uninvested for somewhere between 19 and 34 days before i found something i'd actually commit to. on a 90k sleeve that dead time adds up fast, and i'm not talking about opportunity cost in the abstract, i mean i ran it and it was roughly 420 dollars gone to nothing just in q1. i keep a target of deploying within two weeks of a maturity but the timing of what comes to market almost never lines up. i tried holding a small float in a money market to at least bleed less while i wait but then i'm managing two separate things and the platform dashboard stops reflecting reality. curious whether people with larger position counts actually have an easier time here because there's always something maturing and always something opening, or whether scaling just scales the problem.

2 replies

0owen_bradshawSB1B
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the "always something maturing, always something opening" logic sounds good but watching guys with 20 to 30 notes it doesn't smooth out the way you'd expect. the platforms all tend to release new inventory in the same windows, so you end up with everyone's dry powder chasing the same three deals in the same week anyway. the one thing i've never seen work is the intentional laddering approach where people stagger maturities by 30 to 60 days on purpose to create a steady deployment rhythm. what happens instead is the platform's pipeline doesn't care about your calendar, a slow quarter stays slow regardless of when your notes mature, and you're still dealing with the same inventory timing problem just with smaller gaps of frustration instead of one big one. the money market float is probably the most honest partial fix even with the dashboard noise, and $420 lost in q1 on 90k is real but it beats leaving it in a checking account earning nothing while you wait.