Financial Infrastructure

Capital, Patronage, and the Venture Basket

Subchapter K partnership tax treatment with patronage-based allocation across four membership classes.
Symbol Key
Financial
Circulation
~$5K MRR → $10–11K target
Current monthly recurring revenue against the sustainability threshold for both floors by June 2027.
Capital
$120–130K committed
Investor members + institutional funding. 12-month runway at projected burn rate. Mercury bank operational; multisig treasury live.
Sub KTax Treatment
184Engine Tests
3Ventures
4+Revenue Lines

1 Tax Treatment: Subchapter K

RegenHub elected partnership tax treatment under Subchapter K — a deliberate departure from the Meadow source template's Subchapter T (cooperative taxation). This is the most significant structural adaptation.

DimensionSubchapter T (Meadow)Subchapter K (RegenHub)
Tax entityCooperativePartnership (Form 1065)
Member reportingQualified written noticesSchedule K-1
Loss treatmentBoard discretionPass-through per patronage formula
Capital accountsEquity account (cost basis)IRC 704(b) book + parallel tax

Why Sub K? The venture studio model requires: (1) loss pass-through to members during formation years, (2) flexible allocation of different income/loss types, (3) capital account precision for multi-class membership with varying economic interests.

2 Capital Accounts

Each member maintains two parallel accounts:

Book Capital Account (IRC 704(b))

Tax Capital Account

Tracks member's tax basis in cooperative interest. Used for K-1 preparation. May diverge from book account due to 704(c) layers and timing differences.

Book Capital Account IRC 704(b) ↑ Contributions ↑ Allocated income ↓ Distributions ↓ Allocated losses Tax Capital Account K-1 basis Mirrors book account + 704(c) adjustments May diverge over time

Substantial Economic Effect (704(b) Compliance)

  1. Economic Effect Test: Capital accounts maintained per regulations; liquidating distributions follow positive capital account balances; deficit restoration obligation (DRO) or qualified income offset (QIO)
  2. Liquidation follows capital accounts: Dissolution waterfall distributes based on capital account balances
  3. Substantiality: Allocations must have reasonable possibility of affecting dollar amounts received

Attorney review required: Jeff Pote must confirm QIO vs. DRO election, liquidation distribution language, and 704(c) method selection (Traditional / Curative / Remedial).

3 Patronage Allocation

Proposed Formula

FactorWeightMeasurement
Labor40%Hours contributed to cooperative operations and ventures
Revenue30%Revenue generated or attributed to member activity
Capital20%Cash and non-cash capital contributions
Community10%Governance, education, outreach, community development
Labor
40%
Revenue
30%
Capital
20%
Community
10%

FSC initiated parameterization March 18-19, 2026. Operational definitions (how each factor is measured) are the FSC's primary task.

Allocation Mechanics

Patronage Engine

The Habitat patronage engine was validated (March 17, 2026): 184 passing tests across 7 engine test files. Full lifecycle coverage: contribution recording, allocation calculation, distribution, equity tracking. Ready for production once FSC finalizes measurement methodology.

Reconciliation Needed

Bylaws use percentage weights (40/30/20/10) with categories Labor, Revenue, Cash, Community. Habitat templates use multiplier weights (1.0x, 1.5x, 0.5x, 1.0x) with categories Labor, Expertise, Capital, Relationship. The bylaws govern; the engine implements. These must be formally aligned.

4 Revenue Architecture

StreamSourceStatus
Space revenueCoworking, hot desks, dedicated desksActive (~$4K/mo)
Education revenueLearnVibe.Build AI courses (3 tiers)Launching April 2026
Institutional partnershipsCommunity coworking + meetup hostingCommitted ($20–25K)
Event spaceStudio rental, programming, Sundance potentialEmerging ($10–30K/yr potential)
Venture reciprocity1% commitment + 10% equity giftCommitted (3 ventures)
Space Revenue Service Revenue Venture Reciprocity Infrastructure cooperative operations Equity long-term Royalties medium-term Patronage current period ECONOMIC MEMORY

Economic Memory System

HorizonMechanismDuration
EquityStake in cooperative + venture ecosystemLong-term
RoyaltiesIP licensing, pattern deployment returnsMedium-term
PatronagePeriodic allocation based on contributionCurrent period

5 Venture Basket Model

Each venture commits 10% of its equity to RegenHub as a cooperative gift:

PoolAllocationPurpose
Basket fund1-2% per ventureAvailable to investor members
Balance sheet reserve8-9% per ventureHeld by cooperative for future seasons
Parachute Postage Habitat 10% equity gift Cooperative venture basket Basket Fund 1-2% → investor members Balance Sheet Reserve 8-9% → future seasons

Founding Ventures

VentureDomainLeadEquity Gift
ParachuteVoice-first, local-first AIAaron Gabriel10%
PostageBlockchain email filtering (USDC on Base)Lucian Hymer10%
HabitatLegal & financial primitives, cooperative infrastructureTodd Youngblood10%

Techne Institute is explicitly outside the basket — structured as nonprofit, funded by grants and tuition.

The cooperative as local ETF: ventures gift equity into a diversified ecosystem fund. The ecosystem — not any single venture — becomes the investable thing.

6 Revenue Scenarios & Sustainability

The third floor lease (targeted June 2026, 12-month term) roughly doubles the cooperative's expense base. Three revenue ramp scenarios model the path to sustainability:

ScenarioMonthly RampYear 1 SurplusOutcome
Aggressive+$1,000/mo~$57KSustainable — both floors renewed June 2027
Moderate+$500/mo~$36KSustainable — tighter but viable
Conservative+$200/mo~$15KUnsustainable without additional capital

The revenue flywheel thesis: AI education feeds coworking membership, coworking feeds community, community feeds events, events feed visibility and new members. Institutional partnerships and Sundance-season event revenue provide additional upside.

April 2026 goal: income exceeds expenses — new seats filled, all members paying on time, first education revenue.

Default Alive Threshold

At ~$5K/mo current MRR and a target of $10–11K/mo for both floors, the cooperative needs to roughly double its recurring revenue within 12 months. The moderate scenario ($500/mo ramp) reaches this threshold. Current growth trajectory — still being validated — will determine which scenario is closest to reality.

7 Committed Capital

SourceAmountTermsStatus
Kevin Owocki$50,000Return TBD by FSCCommitted
Jeremy Wood$50,000Return TBD by FSCCommitted
Institutional partnership$20–25,000Coworking access + monthly meetupCommitted (two tranches)
Total$120–125KPrimary use: 1515 Walnut lease + operations
"This capital contribution comes with no defined return to the investor. Any such return will be discussed and approved by the member body at a future date."

— Term sheet shape, agreed February 20, 2026 (Aaron G Neyer + Todd Youngblood)

8 Dissolution Waterfall

Simplified from Meadow's 4-tier to 3-tier:

  1. Pay debts and obligations
  2. Return capital account balances to members per IRC 704(b)
  3. Distribute remainder per patronage-weighted allocation

Attorney review required: Jeff Pote must confirm the simplified version satisfies 704(b) requirements for liquidating distributions following capital account balances.