What if the hardest part of real estate wasn’t finding deals — but raising the money?

In this episode, Stella Han (@hellastellah) explains why traditional capital raising is fundamentally broken for small operators — and how a new model is quietly reshaping how founders, creators, and real estate investors raise capital.

After losing $55,000 on her first raise, Stella built a platform designed to remove legal friction, unlock unaccredited capital, and let operators market freely — without risking jail time.

What you’ll learn in this episode:

• Why syndications and funds fail first-time operators
• The difference between 506B, 506C, and investment clubs
• How to legally market and raise capital at the same time
• Why “soft commitments” without money are useless
• The psychology behind requiring deposits from investors
• How creators outperform traditional finance at fundraising
• Why capital raising should be treated like sales
• How trust and storytelling now beat spreadsheets

This episode lays out the new rules of capital raising — and why operators who adapt early will have a massive edge.

Timestamps
2:43 - How Stella lost $55K trying to raise $1M on her first deal
6:02 - Why 506B and 506C are broken for small operators
10:08 - Investment clubs explained: why they're not securities under SEC rules
14:20 - The hardest part of building Fractional: compliance, tech, or education?
19:39 - What surprised Stella most: operators don't build investor lists proactively
24:20 - The 3% deposit strategy that eliminates flaky verbal commitments
28:45 - Why creators raise more capital than traditional finance people
38:57 - Following up 5-6 times before an investor commits: the sales process of capital raising
43:10 - Product-market fit: 2,000 signups for a fake website that didn't exist yet
54:21 - Being a woman founder in a male-dominated space: advantage or obstacle?
1:02:56 - Is traditional capital raising outdated? Where Fractional fits in the ecosystem
1:07:27 - The Power of Habit: how mental habits shape entrepreneurial resilience

CONNECT WITH STELLA HAN:
Instagram: https://www.instagram.com/hellastellah/
Website: https://www.fractional.app/

CONNECT WITH US:
Instagram: @thecaptaincurt
TikTok: @thecaptaincurt
YouTube: https://www.youtube.com/@thecaptaincurt_
Website: www.captaincapital.com
Invest With Curt: Start Here: https://www.captaincapital.com/invest

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