How to raise funds before starting a business 1 personal pawn loan
Borrowers can get a certain amount of loans as long as they pledge high-value items at pawn shops. Some pawn shops have also opened online personal pawn loan business, and borrowers can handle online e-commerce such as loan appointment registration, loan application, repayment and loan extension.
Credit card overdraft
With the acceleration of the commercialization of banks, the overdraft function of credit cards (debit cards) is increasingly enhanced. At present, in addition to the five major state-owned commercial banks, many regional banks have also opened credit card overdraft business. In order to obtain a credit card overdraft loan, the cardholder should apply for a credit rating from the local credit card business department of the issuing bank. The bank will make an assessment based on the cardholder and the guarantee, and determine the overdraft limit of the cardholder according to the credit rating. The overdraft period is 60 days. If it is overdue for a long time, it will be characterized as malicious overdraft, and the bank will take legal measures to collect overdraft principal and interest.
Dangerous investment
What are the characteristics of domestic innovative enterprises that will be favored by venture capital? Bob Larson, managing director of woodside Fund, pointed out that a very complete business plan is indispensable, with four basic elements: a good market, good technology and a good management team. At the same time, on this basis, the profits can be recovered from the financial forecast, and the obtained profits can be confirmed and converted into foreign currency. If these conditions are met, the opportunities will be quite good, which will attract overseas venture capital funds.
Wang Yaode, president of Asia Connection Group, believes that at first, venture capital grabbed business plans everywhere and decided to invest after one or two meetings without even looking carefully. During the frenzy, the whole process of the network returned to normal. Business plans must be carefully packaged, planned and assisted by professional consulting companies to help enterprises find funds, technology and talents, which require the assistance of professional teams. Now besides venture capital companies, angel investors also appear in China.
In addition, financial institutions such as banks have gradually realized the high return in this field and used their funds more effectively through a new channel. Therefore, entrepreneurs should not only pay attention to foreign investors at present. We should also pay full attention to some domestic venture capital.
Fund-guaranteed loan
At present, the awareness of laid-off workers and even some surplus workers in difficult enterprises to participate in entrepreneurship is increasing, and financing difficulty is a common problem they face in the initial stage of entrepreneurship. Especially for small enterprises, loan guarantee is more difficult. In Shanghai, just like in the city government? Net increase100000 jobs? One of the support measures will be primitive? Reemployment fund? Rename? Employment promotion fund? The Shanghai Municipal Bureau of Labor and Social Security issued the Trial Opinions on Guaranteed Loans from Employment Promotion Funds and the Implementation Opinions, which brought good news to laid-off workers who are interested in starting businesses. At present, there are four kinds of personal loan projects guaranteed by the fund: one is the first capital loan. Refers to the loan project that the applicant needs to start capital for organizing informal labor organizations or small enterprises, and the guarantee amount generally does not exceed 65,438+10,000 yuan. The guarantee period is 1 year; The second is short-term loans. Refers to the efforts made by the applicant to solve the cash flow difficulties in production and operation. The general guarantee amount of the proposed loan project with a term of less than 1 year does not exceed 200,000 yuan, and the guarantee period is 1 year; The third is the equipment loan. Refers to the loan project in which the applicant purchases the equipment required for the production and operation projects registered by the relevant departments. The guarantee amount generally does not exceed 300,000 yuan, and the guarantee period is 1 year; Fourth, the purchase loan is used for production and operation. Refers to the loan project for the applicant to purchase the funds needed for housing production and operation, and the guarantee amount generally does not exceed 500,000 yuan. The warranty period is generally 2 years. The loan interest of all loan projects shall be implemented and adjusted according to the relevant provisions of the People's Bank of China.
Policy pledge loan
New financing channels provided by insurance companies for policyholders. For example, China Life Insurance Company started selling at 20011? China Life Millennium Financial Security? It has the function of policy pledge loan. The insurance clause stipulates that if the insured has paid the insurance premium for more than 2 years and the insurance period is over 2 years, he can apply for a pledge loan in writing with the one-way insurance company; The loan amount is a certain proportion of the cash value of the insurance contract at that time after deducting the unpaid insurance premium, loan and interest (70% is stipulated by China Life Insurance Company, Allianz Volkswagen Life Insurance Company and AIA Company; Pacific Insurance Company stipulates 80%), and the longest time is half a year.
Sure, in business circles? Insufficient funds? This is a common phenomenon. Bankers lack billions of positions, entrepreneurs lack tens of millions of project funds, and small shops in Hutongkou also need to borrow thousands of dollars for turnover. Lack of funds is not an absolute obstacle to starting a business. You can start a small business that never needs a lot of money, or reduce your business plan, or you can divide it into several parts. In short, you can always find a way to start a business first, and then wait until the initial business is profitable.
How to raise funds before starting a business 2 1. Your own savings
Generally speaking, 30% of the venture capital of successful entrepreneurs comes from their own savings. From the idea of starting a business to putting it into practice, there will always be opportunities to save you money in this process. ? First work to make money, then come out to start a business? It has also become the path planning of many entrepreneurs.
Step 2 borrow money from family and friends
Borrowing money from family and friends should be the method adopted by many entrepreneurs. Advantages are high probability of success, more favorable investment and interest conditions, and faster access to funds. But there are also problems that parents may interfere with the company; If you fail to start a business, you may feel guilty for them all your life.
3. Partnership
Many people choose to start a business in partnership to reduce the financial pressure in the early stage of their business. Many hands make light work, and a start-up fund of tens of thousands, 65,438+200,000 yuan, was quickly collected. But please note that you started a business with other people's money? Although only part of it? You must face the risk that that person brings to you.
4. Join the incubation plan/win venture capital.
Venture parks and government agencies in many cities provide venture capital policies and incubators for entrepreneurs, and provide office space and initial funds; Some well-known entrepreneurial support service organizations and funds will also hold entrepreneurial competitions and Demo activities regularly. Develop business by winning venture capital funds? The first bucket of gold? This is an effective and feasible method. But at the same time, it also requires entrepreneurs to have enough strength to stand out from many applicants.
5. For investors? Want money?
Angel investment is mainly aimed at start-up and seed-stage enterprises, and the amount of investment funds is relatively small, generally ranging from tens of thousands to hundreds of thousands. Moreover, whether to invest or not depends mainly on investors' personal vision and preferences. When you come across a suitable project, you can make a decision immediately.
How to raise funds before starting a business 3. Personal savings.
Second, bank loans. Generally speaking, this is not easy unless you have real estate as collateral, which is another matter. Or your business plan has aroused strong interest from some industrial companies, and they are willing to cooperate. You can ask them to guarantee and apply for a loan from the bank.
Third, relatives and friends borrow money. If you have one or two friends or relatives who get rich first, it is an ideal object to borrow money. Go to the door and ask them for help. It is best to talk between relatives and friends. However, when you borrow money from them, you should introduce your business plan to them, so that they have confidence in your future repayment ability, clearly state the repayment period and interest, and write a receipt. Otherwise, there will be contradictions and hurt feelings.
Fourth, suppliers. Some suppliers allow you to buy certain deposits, loans and commodities on credit. Why not do this unprofitable business? When you make money, give it back to those kind people.
5. Lease or mortgage property. ? How dare a real businessman mortgage his wife's wedding necklace? This sentence was said by the famous American commodity manager Green.
How to raise funds before starting a business Article 4 Commercial loans
Traditional commercial loans mainly come from banks, but today third-party lending platforms have also joined the industry. Relatively speaking. The threshold of lending platform is much lower than that of banks. For the entrepreneurial team, the choice of loan funds must be rational. We should not only consider how much loan we need, the loan time and whether our ability can support the loan amount. It is also necessary to check the lending institutions.
At this point, the smaller the lending platform, the lower the threshold. So many entrepreneurial teams, for the convenience of borrowing. And choose some small platforms. But when we borrow money, we should not only consider the convenience of borrowing. You also need to consider the safety of borrowed funds. Entrepreneurial teams are easily influenced during the loan period. Therefore, we should give priority to the big platform. In this way, the possibility of changes in our borrowing funds is relatively low.
Government support fund
With the rapid growth of the number of small and medium-sized enterprises in China, the government has certain policies to support them. Generally speaking, the compensation paid by these policies is far lower than that paid by entrepreneurs. Of course, this policy is more competitive because it is a supporting project. Entrepreneurial teams also have certain thresholds. Therefore, it is not recommended that the entrepreneurial team try rashly without achieving certain results.
Personal funds
For many entrepreneurs, we all have some personal funds more or less. In the early days of starting a business, out-of-pocket is a common phenomenon. If you start a business project, you are afraid of investing. How can you expect others to put money into it? Entrepreneurs invest in personal funds and provide more than just funds. More is confidence in your own entrepreneurial projects. This confidence can increase your investors' evaluation of the project after looking for investors.
Private investors
Some people in our life have certain funds for various reasons. But they are eager to use Qian Shengqian. At this time, investment is the best choice. When choosing individual investors, we must have a good personal relationship before investors. Because the individual's investment behavior depends entirely on the individual understanding of investors. Ordinary individual investors have unfamiliar hidden rules of not voting. Therefore, when contacting personal funds, you must let individual investors know about you and your project to a certain extent. This will not lead to individual investors, who will be afraid when there are signs of trouble. Thereby further affecting the development of entrepreneurial teams.
partner
Partners are mainly divided into active partners and silent partners. Active partner not only means investing a certain amount of money, but also means investing in the daily development of the entrepreneurial team. Silent investors are similar to angel investment, investing only once, not adding, and not participating in the company's development. To put it simply, I want to be a shopkeeper who only gives money. Both partners have their own advantages and disadvantages. Entrepreneurial teams make choices according to their actual situation. For the early entrepreneurial team, in the early stage, each team member occupies a relatively large degree of importance in the team. So be careful to accept team members. We can't just expand the population.
venture capital firm
Venture capital companies not only bring funds to the entrepreneurial team, but more importantly, they will use their own resources to support entrepreneurial projects to a great extent. When the entrepreneurial project develops to a certain stage, they will sell their shares to achieve the purpose of cashing in profits. General venture capital companies will choose those projects that are developing at a high speed when choosing. But also need a higher rate of return. Generally speaking, venture capital companies will ask for an increase of 40% of the shares, and sometimes they will ask for holding. This will relatively affect the formation of the shareholding structure of the entrepreneurial team in the later period, so entrepreneurs should also choose carefully.
be listed
This fund-raising method requires the entrepreneurial team to have a certain scale of projects. Moreover, it has achieved a relatively successful response in terms of market recognition. The entrepreneurial team that can go public can be regarded as a success in the eyes of society. But for entrepreneurs, this may be an end or a stage. This may also be a starting point. In any case, only when entrepreneurs feel successful can they be counted as real success.
How to raise funds before starting a business 5 1. High-tech industries or advantageous industries can apply for government funds.
If you want to start a small and medium-sized technology enterprise, you can apply for an innovation fund.
If your network project is novel and attractive, you can seek venture capital.
4. angel investment is VC. Although a good VC can not be met in the early stage, it is also a method.
5. You can apply for SME guaranteed loan. If you are in Zhejiang, Fujian, Guangdong, Beijing and Shanghai, Ali loan is your best choice, and the guarantor is not hard to find.
6. Pawn financing. If you really want to start a business and are optimistic about the prospect of your business project, pawning your property, private car and valuables is the fastest way to get cash, so you can put all your eggs in one basket.
7. Attract investors by holding shares.