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Thank you for considering VBO, Inc.

We are committed to your best interest. Please take the time to review our mission statement and regulatory guidance related to our security offering.

Mission: Create better communities through improved business performance.

Offering Details

• Investment Calculator

• Investor Application

• Our common shares provide an annual dividend of 25%

• Dividends and coupon payments are paid on a semi-annual basis

• There is a 12-month initial holding period associated with all security acquisitions

• Dividends and coupon payments will begin on the 13th month following security acquisition

• The securities are restricted from general sales to others after acquisition

Important Risk Consideration 

Below are the standard legal disclosures provided by regulators. For greater detail regarding our products, services, or securities, subscribe to our Virtual Public Engagement sessions free of cost. You may also choose to schedule a private consultation session, which will be recorded and provided to you for your records. 

• Ability to weather a total loss.  Companies engaging in private placements may be early stage and high risk.  You should be able to afford the increased risk of loss with such investments, including the potential of a total loss.

• Illiquid investment. Unlike an investment purchased on a stock exchange, an investment in a private placement is highly illiquid.  You will mostly likely be investing in restricted securities, may have difficulty finding a buyer for the securities when you can resell and, as a result, may need to hold the securities indefinitely.

• Limited disclosure.  Companies engaging in private placements are not required to provide the disclosure that would be required in a registered offering.  You may have less information to make an informed investment decision than, for example, stock purchased on a stock exchange, including information that may help you determine whether the price asked for the investment is a fair price.

Regulatory Guidance

What is a Private Placement Memorandum or PPM?

The Private Placement Memorandum (PPM) is the document that discloses everything the investor needs to know to make an informed investment decision prior to investing in a Regulation D Offering. Unlike a Business Plan the PPM details the investment opportunity, disclaims legal liabilities and explains the risk of losses.

The PPM is important because it provides the investor with all of the prescribed data they will need to make an investment decision and includes the actual documentation to effect the investment transaction. PPMs are designed as a stand-alone document - meaning that there need not be other information presented to the investor for them to make an accurate investment decision.

Private Placements or Private Stock Offerings are “private” equity/debt transactions and are considerably less expensive to complete than an initial public offering such as an IPO (for the purpose of raising capital).

Federal  Rule 504 of Regulation D

Rule 504 of Regulation D provides an exemption from the registration requirements of the federal securities laws for some companies when they offer and sell up to $10,000,000 of their securities in any 12-month period.  Except in limited circumstances, purchasers of securities offered pursuant to Rule 504 receive "restricted" securities, meaning that the securities cannot be sold for at least six months or a year without registering them.

Companies that comply with the requirements of Rule 504 do not have to register their offering of securities with the SEC, but they must file what is known as a "Form D" electronically with the SEC after they first sell their securities. Form D is a brief notice that includes the names and addresses of the company’s promoters, executive officers and directors, and some details about the offering, but contains little other information about the company.  You can access the SEC’s EDGAR database to determine whether the company has filed a Form D. 

Even if a company takes advantage of an exemption from registration, a company should take care to provide sufficient information to investors to avoid violating the antifraud provisions of the securities laws. This means that any information a company provides to investors must be free from false or misleading statements. Similarly, a company should not exclude any information if the omission makes what is provided to investors false or misleading. 

You should always check with your state securities regulator to see if it has more information about the company and the people behind it. Even if a company is not required to register its securities with the SEC, it may be required to register them with your state.  Be sure to ask whether your state regulator has cleared the offering for sale in your state. You can get the address and telephone number for your state securities regulator by calling the North American Securities Administrators Association at (202) 737-0900 or by visiting its website.