Investment crowdfunding may get all the attention these days, but there are other ways of support businesses you love—without all the red tape. One of those is Credibles, an app that lets you pre-pay at your favorite restaurant or food purveyor (like Love & Hummus, shown in photo above), and earn edible credits. Think of it as a house tab at your favorite local hang. Founded three years ago, Credibles is going strong, with a growing national presence. We talked with cofounder Arno Hesse, a former banker who is an active leader in Slow Money Northern California, about the future of pre-payments and “community underwriting.”
Radical Localism: The Localism Resource 