Applicable to:

First, introducing venture capital will get twice the result with half the effort.

In the market economy society, the competition is becoming more and more fierce and the world is getting smaller and smaller. Especially after China's entry into WTO, the original unique advantages of domestic enterprises have become smaller, such as the advantage of low labor cost, and the price of high-end talents is in line with international standards, but the operating workers are cheaper than foreign countries. With the introduction of more international capital and the entry of multinational companies, the competition of high-tech enterprises is very fierce, so the pressure on high-tech enterprises is really great. In this regard, the introduction of venture capital will not only bring funds, but also bring management skills and talents. If small and medium-sized entrepreneurs can achieve a broader vision of venture capital and have a better understanding of capital operation and international trends. Then we can make full use of wind power generation, get twice the result with half the effort, and quickly make the enterprise bigger.

Second, keep an eye on it.

Policy financing is a form of obtaining low-interest or even interest-free loans from other banks for certain projects according to national policies, which is highly targeted and plays a strong financial role. Policy financing is applicable to projects with independent intellectual property rights of industries or industries or in line with national industrial policies. Usually, enterprises are required to run well, reach a certain scale and improve their basic management. The disadvantages are narrow application, many gold links, complicated procedures and certain scale restrictions. Although there are many restrictions, once the first policy financing is started, it is very likely to obtain continuous policy financing. Of course, this requires enterprises to make achievements before policies can be implemented.

Third, grab the innovation soup of the bank.

In recent years, in order to meet the financing needs of small and medium-sized enterprises, commercial banks, especially financial service products, have made great efforts to launch many innovative service products and tailor many new businesses for small and medium-sized enterprises. When banks launch new financing business models, they will introduce them with cases and business process descriptions to help enterprises choose the appropriate financing model and financing time. If you have a good relationship with the bank at ordinary times, this opportunity to drink soup is easy to have a test field. You can be the experimental field of the bank, even if you eat soup, you will not forget you.

Fourth, selling equity promotes development.

There is a very popular metaphor abroad, which compares entrepreneurs to three types: one is to keep enterprises as "wives" and others can't touch them. Equity 100, others can touch it and get a little equity; The third is to raise the enterprise as a "pig", that is, to exchange equity for cash that is urgently needed for development. In fact, the starting point of running a business is to make a profit. Then, if you regard the enterprise as "cash back", you can use this money to invest more wisely. Equity transfer is a shortcut for enterprises to become bigger and stronger, and funds are also rolling in.

5. Credit financing.

It is very important to cultivate financing credibility, because if an enterprise wants to go on, it always has to deal with financial institutions and customers. The economy would rather borrow some, but also pay off the debts due, so as to cultivate its own credibility and help you finance.

Small and medium-sized enterprises are an indisputable fact, so small enterprises can only do specific things to convince others, which requires more costs, which can be called the cost of reputation building. This point is often ignored by many small and medium-sized entrepreneurs.

6. Ask companies to go public to borrow chickens and lay eggs.

It is difficult for small and medium-sized enterprises to go public abroad. For example, in Silicon Valley, there are tens of thousands of enterprises, but not many can go public. In China, even fewer SMEs can go public. However, if enterprises can go public through hard work, just like Tiger issuing additional shares, rights issues and convertible bonds, their financing ability will be improved unprecedentedly, not to mention their market competitiveness.

2. What are the loan methods suitable for SMEs?

The business activities of enterprises can not be separated from the support of funds. When enterprises are short of funds, they need the support of bank loans. So what are the types of SME loans?

SME loan types:

1, enterprise credit loans

Enterprise credit loans is a kind of unsecured, unsecured loan with simple procedures, quick approval and quick lending. The disadvantage is that the quantity is small. If the enterprise needs a small amount of funds, this method is more suitable. Now banks and loan companies can apply for enterprise credit loans, as long as they meet their conditions, such as: 1, the enterprise has been established for 3 years; 2. Invoice amount in the past six months: about 6.5438+0.5 million; 3. Invoicing (VAT invoice), two-year annual report, monthly report in the latest month and invoice in the latest half year; 4. The applicant's personal loan in the past three months cannot be overdue, and the corporate debt ratio cannot exceed 60~70%.

2. Enterprise mortgage loan

This is one of the common loan methods for enterprises. Enterprises can use their own land or property with property rights as collateral for loans, in addition, their equipment or valuable commodity inventory can also be mortgaged. This kind of loan has a relatively high amount.

3. Company guaranteed loan

If the enterprise lacks its own conditions, it can seek a third party as a guarantee to apply for loans, reduce risks and gain the trust of banks.

3. What are the ways for SMEs to get loans?

You can choose a regular company with a business license for one year and a running account for nearly half a year. You can contact me if you need anything! Our company has branches in most parts of the country.