Where to find money for business. Where to get money for business? Tips for a New Startup! What business to invest in

Where to get money for business: 4 ways to mobilize your own reserves + 6 options for getting help + 7 common mistakes in working with investors.

And a business without investment is, they say, some kind of nonsense.

“Now if you told me where to get money for business, - these people complain to each and every one, - then I would become an entrepreneur at once. "

Indeed, there is some truth in their whining, but the situation is not as hopeless as it might seem at first glance.

There are many ways to find the required amount of capital investment.

The main thing is not to be lazy to look for them and not give up before the difficulties that arise.

Why is it useful to think about where to get money for a business?

I do not understand people who break their wings to their friends and relatives.

Once I observed in a pizzeria the following situation: a group of friends - 4 men - were chatting to themselves about this and that.

Then one of them began to share his plans that he would like to open a stall with shawarma, hot dogs, pies, etc.

They say that I even found an excellent place - there is nothing like this opposite one of the universities, and students love this kind of food.

He told me, his eyes were burning.

And then one of his friends, interrupting in mid-sentence, asks: "Do you have money for this business?"

The guy was embarrassed, but then he began to explain that he was thinking about selling his expensive car, buying himself some very simple car, and investing the rest of the money in the business.

You should have heard his friends cackle: “You don’t even think about it!” paid it before the crisis, and now you just want to waste it? ”,“ Business is not a reliable business ”and so on in the same spirit.

I saw how the guy wilted before our eyes and realized that after such support he would hardly want to further his business idea.

But what did it cost these pseudo friends to support him, suggest other options?

And he would have grown wings!

And it is quite possible that he would gradually turn one stall with shawarma into a whole network!

If money is the only thing stopping you from starting a business, then don't give up ahead of time.

There are enough options where this same money can be taken.

And most importantly - do not listen to the advice of such would-be comrades, they are all out of envy, because they themselves are not capable of an act.

Where to get money to start a business from your own reserves?

I beg you, you do not need to scroll through this part of the article, just glancing at the title of the section.

Many people are convinced that they have no hidden cash reserves, so they have nowhere to take money for business.

This is wrong!

You can always hurry up and find these very hidden reserves that will help you launch your own without assistance.

1. Strict economy

Set the austerity regime for, say, 1 year.

Don't waste money left and right, but set aside 50% of each salary as an investment in your future business.

Not getting enough?

This means that it's time to turn on not only austerity, but also active earnings and find one that will be completely postponed for starting a business.

As you can see, this amount is quite enough to open a small business.

To endure one year without new clothes, entertainment and travel is not so difficult if you have such an important goal as your own business.

The most important thing is not to break loose, succumbing to some kind of temptation.

While you are raising money for the business, you can:

write a business plan;
choose a place for;
study the information that applies to your sector;
study competitors;
think over competitive advantages, advertising campaign, etc.

2. Selling expensive things

Family heirlooms that your grandparents did not sell even on a hunger strike, do not touch.

These are things that are more important than your desire to become a businessman.

Let's take a different path and try to find something that belongs to you personally and which you can easily do without.

You can take money to start a business if you sell:

computer and household appliances;
your jewelry;
automobile;
garage;
summer cottage, etc.

But selling or forcing the only housing is not worth it.

No matter how much you believe in the success of your own business, no matter how much you want it to bring you big money, a startup can turn out to be unprofitable.

So you shouldn't turn yourself into a homeless person.

3. A source of additional income in addition to open business

Let's say you have a small amount of money that will cover at least some of the initial investment.

The rest can be borrowed or borrowed from the same bank.

Since it is foolish to rely on huge profits from a new business (it takes at least 3 months for the income to start covering expenses), you need a source of additional income.

In this case, you can take money for a business:

Working or moonlighting in parallel with the launch of a startup.
Renting out a house, garage, car or something else.
Putting some of the money on a deposit and using interest to pay off the loan, etc.

4. Diversification of capital

In this case, it will be possible to borrow money for those entrepreneurs who already have several money-making business objects, but want to expand.

You can use the income from one of your companies to open another.

You can also get money if you cut costs for a running company and use the money saved in this way to start a new business.

Where to get money to start a business: looking for gratuitous help

If using your own reserves is impossible in your case and you continue to think about where to get money for the business, this does not mean at all that you will not be able to launch a startup in the near future.

This means it's time for you to drop your pride and seek help.

Option number 1. Friends and relatives

This is the first thing that comes to mind when faced with a lack of money for your business.

Ask your loved ones, perhaps one of them is ready to provide you with an interest-free loan for a long time.

It's not scary if you have to borrow from several people at once - gradually distribute all the debts when your business becomes self-sufficient and starts to bring good profits.

If you decide to do business with friends and relatives, follow these rules so as not to spoil your relationship with them:

Do not be afraid to give a receipt, even if we are talking about the immediate environment - friendship is friendship, and business relations require legal support.
Observe the terms of the refund carefully if you agree to repay the loan in installments.
Make sure to settle accounts with everyone you borrowed from, even if things didn't go as well as you hoped.

Option number 2. Subsidy from the state

If you think over everything correctly, then you can use the state as a sponsor for your business.

The husband of my friend made sure that his superiors dismissed him by paying compensation.

And then he registered at the Employment Center.

Since his official salary was quite decent, he received money from the state for six months, investing this money in his business.

Now he has a small hardware store and is quite happy that he was able to find money for his business this way.

Option number 3. Business angel - human

Actually, a business angel is not necessarily a specific person.

It can be a group of wealthy people who are investing their money in promising business projects, or even a large company that is ready to invest in a newcomer.

To take money from a business angel, you must interest him with your idea.

It is unlikely that a rich person wants to invest in a banal catering establishment or stall.

It should be a truly innovative, original project that can bring good money in the future.

It was from business angels that modern leaders such as Google, Amazon and Intel managed to take money from them.

With such generous sponsors, things are much easier in the USA or Europe, but in our country you can look for a business angel to promote your business.

The Internet will help you find all the information you need.

You can also rush through large offices with your business plan.

Option number 4. Competition or grant

This is another profitable way to take money to start your own business and not give it away, even if the business does not work out.

The main difficulty is to find out in time about such a competition or that some fund is giving out grants.

Well, of course, you should interest the jury members with your idea - rich people are in no hurry to invest money in unpromising projects.

Again, quite a lot of grants and competitions for aspiring businessmen are held in the USA and Europe.

But even if you live in the post-Soviet space, you can take money to develop your business if you have a good idea and competently draw up a business plan.

For example, residents of Ukraine can apply for Innovative Breakthrough and receive $ 10,000 in winnings for their business.

Option number 5. Crowdfunding

Another great way invented by the Americans, which allows you to take money to open your own business, both from ordinary citizens and from large companies.

You can use ready-made platforms, for example, in Ukraine - these are "Spilnokosht" and "Big Idea", in Russia - Planeta, Simex and others.

The essence of crowdfunding is simple: you present your project, open an account and ask everyone who is not indifferent to help with money.

People interested in your idea send funds to open a future business.

In this case, the more useful the project you propose for society, the more chances you have to collect the required amount.

Option number 6. Bank is the easiest place to find money for business

It is not difficult to get a loan from a bank, especially in the presence of collateral.

The main difficulties are the need to give this loan, and even with interest.

And yet you should not completely sweep aside this option, although it is advisable to hold on to it for the most extreme case.

You can also take money for a business from a bank to start your own business, but:

First, try out all the options that will allow you to get an interest-free loan.
Do not list your only home as collateral.
Remember that you need to take an amount that would be enough not only to start a business, but also for at least 3 months of its maintenance.
It is advisable to collect at least 50% of the required amount, because it is quite difficult to build a successful business if you have been working for several years to repay debts to the bank.
You will have to give a loan to the bank in any case, even if your project turns out to be unsuccessful.

A few more ideas of where to get money for a business are presented in the video:

Where to get money for business? Contact the investor!

Young entrepreneurs with smart ideas can stop thinking about where to get money for business if they find an investor who is ready to share all the costs and risks with them.

Very rich people have become so that they do not miss promising ideas, and if you prove that your idea really deserves attention and present a competent business plan with real numbers, then the investor will happily invest in your business.

If you decide to take money from an investor, then you should find the ideal investor in your business, someone who:

Will not interfere too much in your affairs.
He will not take over a managerial position, remembering that this is still your business.
Always give good advice if you ask for help.
He will easily make contact and will not remind you at every opportunity that it was he who gave the money for the business.
A bit of a visionary, which means he knows perfectly well which business will bring good money, and which is not worth investing in.

It is great if you managed to take money for a business from an investor, but you should not make the most common mistakes beginner entrepreneurs make:

Do not limit yourself to an oral agreement, draw up an official document, certified by a notary, describing the rights and obligations of the parties.
Learn to work with an investor: you don't need to deify him, but you shouldn't treat him like a used thing either.
Do not terrorize the investor with your endless questions and requests, give you advice on nonsense things - learn to make decisions on your own.
Do not allow yourself to be pressured if you are confident in the correct decision.
Do not perceive an investor as an endless financial resource - he is not obliged to close endless financial holes and cover unwise expenses.
Do not relax ahead of time, because the fact that you received money for a business is not everything, you must use it wisely.
Do not violate the terms of the contract - no investor will tolerate this.

I don’t think that lack of finance can be the reason for refusing to start a startup now that you know where to get money for business.

There are plenty of funding options for new ideas.

So take advantage of them!

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The question "where to get the money" is very active among the entire population. He usually refers to questions of household appliances, food.

And the answers are more or less standard - to earn money or a loan. Earning for start-up capital can be very problematic, and not everyone wants to take out a loan for a risky business. After all, you can burn out, spend a lot of time, and still remain a debtor.

But, most people simply do not know how many different ways can be given, answering the question: where to get money for a business from scratch.

It's pretty easy to get money to start a business, and this article will fix this glaring lack of education. What are the ways to get the required amount?

The general list looks like this:

Reach out to business angels;
Diversification of capital;
Sale of property;
Personal savings;
Credit;
Subsidies as aid from the state.

Business angels

Unlike their heavenly counterparts, they are in no hurry to open their arms to meet all ideas. Business angels are people who specialize in finding high-quality and potentially profitable business ideas in order to give start-up capital to an aspiring entrepreneur, who in turn gave them a stake in the business.

Those. The simplified scheme is this - an angel gives money to start, and in return he receives a certain percentage of all the profits of the enterprise. But getting through to them is not such an easy matter - just remember the example of Christopher Columbus, who for 7 years was looking for someone who would take on the financial expenses associated with the expedition that opened the "New World".

Business angels can act either alone or as part of unions or associations. Finding an angel who will like a business idea is much easier when looking for just such a combination.

Indeed, in addition to active investors, there are also passive investors or candidates for investors who, when admitted to associations, show a good level of vigor in their search.

When working with them, confidence and perseverance helps, because it may be that at first glance they will not be able to discern a good idea. In general, the old principle of "knock and they will open" applies here.

Even if 5 or 10 investors refuse to finance the venture, this is not a reason to stop their efforts. History is full of instructive examples of how people who could not even get approval hundreds of times found their "investor" and successfully became millionaires or even billionaires.

Diversification of capital

A good method that is used not only by people who are wondering where to get money for a business from scratch, but also by those who decided to expand the enterprise.

This method is about redirecting financial flows or starting a business that can pay off quickly and help raise money for the business of your dreams.

Simple distribution involves giving up your usual spending items in order to get the amount you need to start a business.

For example, there is Mitrofan, who wants to open his own smithy. But its opening requires a significant amount - 900,000 rubles. But Mitrofan is also an excellent climber, and he decides to make some money by cleaning windows in office buildings.

There is not much competition here, there are skills and equipment - why not try it? After the first successes, you can also connect your friends in the mountaineering business, which will significantly increase the profitability and profitability of the enterprise, and the opening of the forge in this case will be approaching by leaps and bounds. This is what an example of a case looks like, which does not require significant investments and quickly pays off.

Sale of property

It is also possible that investors are not expected, and then the only visible way out seems to be the sale of unnecessary property. It is good if you have a "spare" car or apartment or expensive household appliances. In such cases, they can be realized in order to get the required amount to start a business.

But there are also such risky people who are ready to sell their property and live in rented apartments for the sake of an opportunity. In such cases, losing everything is not at all a ghostly something, but something that can happen in reality.

Such a risky game can lead to heightened struggle for the future and success, because everything is at stake. But in case of slippage or failures, a person can fall into severe depression, which can negatively affect a person's fate and lead to a sad result.

Personal savings

This method is suitable for people with high wages, when you can safely save in a savings account in a bank or invest in shares of a large company so as not to lose your money.

In addition, when starting a business, when the business has not yet entered into full force, it is very good to have an additional foundation in the form of a high-paying job.

After all, the most obvious answer to the question of where to get money for a business from scratch is to make money!

If there is no high-paying job, then you should maintain a saving mode and look for a part-time job.

There are also longer options - one of them is to learn programming, the basics of which can be understood in a month or two, to practice by completing paid tasks on freelance exchanges (for which they pay very well) and thus collect money for an enterprise or find it through that the exchange itself has a permanent job with a high salary.

Credit

Loans can be obtained not only in banking institutions. In addition to them, credit unions or pawnshops can help with start-up capital. In the last two establishments, you can get the required amount with a number of additional clauses that cannot be found in a bank agreement or at a reduced value of the collateral. If you need small loans, you can turn to the so-called "credit cafe".

A feature of credit unions is that they are created for financing certain areas of activity. If you want to try yourself in the restaurant business, you can look for an alliance that specializes in this part of the service industry.

When contacting a pawnshop, you must be prepared for the fact that the amount of money offered for a thing may be several times less than its cost. But the plus is that it can be bought back.

Subsidies as aid from the state

A very good start that can be given, and about which many do not know. In the Russian Federation, a business support program is being implemented, which allows you to get start-up capital for starting a business, because from the point of view of the state, business is not only taxes, but also new jobs. The action plan looks like this:

Unemployed people need to register at an employment center;
Declare to the state about the desire to open their own business;
All expenses that are usually associated with starting an individual entrepreneur or are borne by the state.
Take an entrepreneur training course, pass all the necessary tests;
, in which everything will be extremely clear;
Transfer it to the supervising business inspector. There is also such a trick: to increase the chance of approval of the idea, you can indicate that the product or service will be beneficial to the vulnerable segments of the population (if this is true).
If it is decided that the idea is worthy, then it will be necessary to personally defend it, answering the questions that arise, in order to show the seriousness of the plans and that this is your idea;
Complete all registration procedures after government approval of the business plan.

Receive a subsidy in the amount of 60,000 rubles and start acting.

Method 1. Get a bank loan

Who is most suitable for. Stable companies that are not the first year on the market. Banks demand to provide money back guarantees: a large number of enterprises go out of business due to insolvency, so it is difficult for start-up companies to get a loan.

Denis Smirnov, Head of online aggregator of stock forecasts Raddar:

“Banks are really not ready to finance absolutely every project offered to our attention with an uncertain future. And you can understand their logic - no one wants to invest in risky ventures. "

In 2017, 9,173,042 individual entrepreneurs were closed, 16,775 of them were declared bankrupt in court (Rosstat data)

Advantages . The main advantages of lending to entrepreneurship: low interest rate, ease of registration, long term of debt repayment to the bank

Many financial institutions have special programs in which they cooperate with entrepreneurs. Biznes.Ru has prepared a summary table with the main proposals.

Bank loan programs for business

Bank	Program	Lending terms	Who is provided credit		Return guarantee
	"Business-Invest"	Rate - from 11% Payment term - up to 120 months. The minimum loan amount is 150 thousand for agricultural producers and 500 thousand for other entrepreneurs.	Legal entities and individual entrepreneurs with revenues of less than 400 million per year, who work at least: 3 months - if the activity is related to trade; six months - in other cases, with the exception of seasonal business; years - for seasonal activities. If an individual entrepreneur takes a loan, then the moment of registration of the contract he must be less than 70 years old.		Issued on bail, with the surety of other persons, or under the patronage of the Federal Corporation for Business Development
	Loan for any purpose	Rate - from 12% Validity period - 3 years / Maximum loan - 1 mln.	Individual entrepreneur who opened a bank account		Without guarantors and collateral
	Business loan	Rate - 15.5-17% Loan amount - from 300 thousand to 1 million	Organizations and individual entrepreneurs that have been operating for at least 12 months. Entrepreneurs must be between 22-65 years old	Legal entities must confirm the intended use
	Investment lending	Rate - from 10% Loan term - up to 10 years Loan amount - up to 150 mln.	Small businesses	They require a pledge (25% of the amount can be released from security), support of guarantors or a fund for support of small entrepreneurs

Risks. Before taking a loan for business development, carefully assess your capabilities: whether you can return it. You can get legal advice. Remember, this is not the best source of funding for a budding entrepreneur.

At first, it is extremely difficult to build a business, you have to pay rent and wages. And then there's the loan, which can't even be deferred. You can take money from the bank if there is a source of repayment outside. Plus, you run the risk of ruining your credit history. I would not recommend such a source.

How to proceed. To receive money, you need to fulfill the conditions of financial institutions that they present to borrowers to guarantee debt repayment:

issue a special insurance policy that slightly increases the interest rate;
Leave valuable property as a pledge: real estate, a car or other liquid expensive things;
find a guarantor who will be ready to take on loan obligations in case of unforeseen circumstances;
provide a business plan. The entire document will not be studied by the bank employees, create an abbreviated version for them with the most important aspects of activities.

In addition, the bank will carefully check your credit history. Facts of non-payment will significantly increase the likelihood of refusal. If the bank nevertheless decides to cooperate with an unreliable client, it will offer less attractive conditions: it will reduce the loan term and its size, and increase the interest rate. As a result, it is unlikely that it will be possible to take more than 1 million rubles, and the overpayment compared to normal conditions can reach 25 percent.

The likelihood of a positive decision also directly depends on the purpose of using the money. Most often, entrepreneurs take a loan to build up working capital, acquire licenses to carry out activities, purchase equipment and equipment of the enterprise itself.

Olga Danilova, Deputy Head of Accounting Outsourcing Department

Regardless of the amount of the loan agreement, conclude it in writing. If the contract does not specify interest, the entity must pay it at the key rate in effect in the relevant periods. A special procedure for paying interest can be prescribed in the agreement. If not specified, interest is paid monthly up to and including the day of loan repayment.

note: in addition to interest under the loan agreement, the document may provide for additional payments. You can check the contract and organize accounting support for the company.

Who will not be approved for a loan

A refusal in a request for disbursement is likely to be received by:

Legal entities and individual entrepreneurs who will not be able to pay at least part of the costs of starting a business

Entrepreneurs with fines and delays on loans issued earlier

Companies declared bankrupt

Applicants with an unprofitable business plan

The hardest part is getting money for a business from scratch. As a rule, financial institutions sign contracts with businessmen who successfully conduct business for at least one to two years. But if the bank recognizes that the goal is financially promising, it can go to cooperation even with a novice businessman. Otherwise, seek help from organizations that will apply to the bank. Such funds operate in 82 constituent entities of the Russian Federation. For example, these include:

Small and Medium Business Lending Assistance Fund, St. Petersburg;

Funds provide surety on a paid basis, for example, St. Petersburg takes 0.75% per annum of the surety amount.

Method 2. Find a partner

Who is most suitable for... Looking for a co-owner of the business is primarily for those who plan to open an enterprise with minimal risk of ruin. For example, these are always popular food outlets or shops.

Advantages. Increase in start-up capital. With a lack of funds, you can always take a "double" loan, or arrange a partner as a guarantor. Ability to share responsibilities: each of the business co-owners performs functions that are most consistent with his experience and knowledge. Support in a difficult situation. The partner will always come to the rescue when the entrepreneur cannot cope with the problem on his own.

Denis Smirnov, head of the online aggregator of stock forecasts Raddar:

The advantages include the ability to reduce costs at the initial stage, if the responsibilities in the team are correctly assigned. This, however, is a rather short-term benefit, since the rapid development of the enterprise will still require the involvement of qualified personnel.

Important . Responsibilities that cannot be distributed, feel free to outsource. This applies to specialists, without whom a start-up company cannot do, but it is too expensive to hire them. For example, a lawyer, an occupational safety specialist, an accountant. For example, the services of an accountant will not cost an average of seven thousand rubles.

Benefits also include increased useful connections and support in difficult situations: making decisions together is easier.

Risks. A partner can leave the business at any time and receive compensation for his part, he also has the right to sell his share to a third party. A new person who will take his place can cause discord in the work and interfere with the implementation of an existing strategy.

Vyacheslav Zolotukhin, ideologist and founder of the professional social network Evolution with blockchain technology:

You don't have to work well with a partner. And if the attraction of a partner took place at an early stage, then you can sell a huge part of the project for super-small money, and this is very unprofitable.

How to proceed. Carefully evaluate the person with whom you plan to do business. He not only must have certain knowledge and skills. But also enjoy trust.

Dmitry Chernov, Chairman of the Committee of the Orenburg branch of Opora Rossii:

You must be 110% confident in your partner. There are dishonest partners who are trying to get their funds back, hang up an additional interest, go out of business, frightened of the first difficult months

Develop a joint business plan that will satisfy both aspiring businessmen. You can give all your best only to a project that appeals to;

Record joint business issues in the partnership agreement. An official paper will help resolve controversial situations that often arise even between loved ones.

Important. Do not cooperate with relatives. Very soon they will feel that they are in a privileged position and will begin to make additional demands.

It is possible to involve not only acquaintances in joint business conduct. You can search for startup partners on special Internet sites. There you can also get investment by presenting your project or an already running business. Russian platforms working in this direction include:

Biznet is a special forum created to find and attract business partners. Up to 10 business proposals appear every day. You can create your own thread and talk about the benefits of the idea;
StartupPoint is the first Russian platform for finding investors and partners. The database contains more than 4.5 thousand projects.

Method 3. Contact investors

Who is most suitable for. Investments in business development assume that the investor will receive certain funds, while completely withdrawing from the direct business. Therefore, if you plan to open a simple business, for example, a car repair shop, then it is better not to contact investors. The method is optimal for those who have discovered a new technology or are planning to bring a unique product to the market. However, keep in mind that one idea is not enough.

Zamir Shukhov, General Director and Partner of Global Venture Alliance GVA:

There are many interesting memes on the internet about this topic. One of them depicts a meeting of two people. One says to another: "You know, I have a great business idea and all I need is investment, developers, office and help with the first clients." And the second answers him: "So, in fact, you have nothing!". In fact, the real state of affairs is also the case. If a person has only an idea, then it is extremely unlikely that anyone will be ready to give him money for this idea, unless it is a bank or a pledge of some property against a loan for a small business.

Example of an investment agreement

Advantages. It is difficult to accumulate a certain amount necessary for the implementation of your own project; it is unprofitable to take a loan from banks and is fraught with falling into a debt trap. Therefore, aspiring entrepreneurs often seek to attract outside investors to their business. An example for inspiration - "Apple": having invested 91 million of other people's money, the owner of the brand managed not only to get a huge income himself, but also to return 154 million dollars to investors.

Risks. When attracting investors, remember that you will have to part with a part of the profit. Moreover, if the business has to be liquidated, the investor will receive the money first. The entrepreneur himself may still be owed to third parties. In addition, the investor owns a certain part of the company's portfolio. He can participate in decision-making and even initiate the sale of the company if he has a certain block of shares or owns a significant share.

How to proceed.

Many people and a number of organizations can be involved in investing in the project, for example:

Friends and relatives. Russians prefer to save money rather than use it. This position is often due to low financial literacy. However, people are often ready to entrust their savings to family members or acquaintances, especially if the specter of large profits appears in front of them.
Held businessmen. Business people usually know the value of money and are ready to invest only in projects that are more likely to be able to recoup. Therefore, it is worth contacting him only if the idea is framed and supported by appropriate calculations.
Investment funds. Organizations that specialize in business support and receive the main income precisely from the return on investment. Therefore, the selection of candidates for receiving funds is carefully considered. A novice entrepreneur will be able to receive funds only if he provides a carefully developed plan for the organization and operation of the enterprise.

A promising place where aspiring entrepreneurs can look for investors is the AngelList platform. There are about 400 companies and 3200 investors in the Russian segment of the database. Also of interest is the Napartner portal, which claims to have attracted about $ 6.25 million in investments.

It is not easy to get borrowed funds. Investors need to provide comprehensive information about the project. Any investor will want to know what the invested money will be spent on, therefore they require a detailed business plan from the applicant, a project presentation that will reflect the essence of the future enterprise's activities, and a cost plan.

Finding an investor will be easier if you can provide money back guarantees.

Pavel Spichakov, Managing Partner of the Promslavl Group of Companies:

It is important for investors that a significant part of the money is invested not in virtual, but in tangible assets: in land, in buildings, in equipment. One of the areas of activity is helping active people seeking to create their own production in search of investors.

Method 4. Use crowdfunding

Who is most suitable for. With the help of crowdfunding, funds are mainly raised for charity. Of course, you can also collect a sufficient amount for a cannery, but the process will take a lot of time. Therefore, for those who are looking for a quick investment in business, this method is not suitable. As well as for entrepreneurs who do not have their own funds or are not ready to reward investors.

Advantages. Crowdfunding allows you to attract money from not one, but many investors at once. For startups, this is an opportunity to start activities with little or no upfront investment, advertise their services and assess the demand for them in the market.

Alexey Basenko, CEO of SimpleFinance:

Crowdfunding is an alternative way to raise finance for business development. The client does not need to waste time on visits to the office, the whole process takes place remotely, online, with a minimum package of documents. In fact, a full-fledged alternative to the banking system is being created.

Risks. It is worthwhile to start organizing a business with the help of crowdfunding with extreme caution: if the project fails, you can lose your reputation and say goodbye to the opportunity to open an existing business in the future.

Zamir Shukhov, CEO and partner of the Global Venture Alliance (GVA):

Crowdfunding is a very good and interesting tool. But if you collect money and then do not deliver the product to people, you can even be prosecuted. In essence, this is a scam. Here you need to be very careful and understand that you must definitely implement the product and deliver it to your customers.

How to proceed. Register on a special site on the Internet, post a video presentation of your project, tell us about it. You can try your hand at Planet.ru or Boomstarter.

Semyon Kibalo, an entrepreneur and traveler from St. Petersburg, collected 202,304 rubles in 40 days for his project “Business reality show from Japan”. As a result, he formed 10 tips to help you take advantage of crowdfunding.

Semyon Kibalo, entrepreneur and traveler from St. Petersburg, author of the Idea Hunter blog:

1. Tell how your project can be useful to others, convey its value.

2. Make a short, honest video presentation of your idea.

3. Provide reasonable collection rates.

4. Organize small, interesting promotions for sponsors.

5. Don't expect money to come to you on its own.

6. Make a fundraising plan.

7. Be prepared for both positive and negative responses.

8. If you run out of energy, do not despair, the peak of the collection falls on the first and last weeks.

9. Work as a team.

10. Thank each person who supported your project.

Guzel Sanzhapova, the creator of the Cocco bello brand, raised 4.5 million rubles through crowdfunding for 4 of her projects for the production of cream honey in the village of Maly Turysh.

Method 5. Get a grant

Who is most suitable for. Most often, grants and competitions are held among entrepreneurs working in the field of high technologies, medicine, education, ecology, as well as those who offer innovative projects.

Advantages. The winners receive special grants, which are used as seed money for starting a business.

Risks. Usually, a grant is awarded under certain conditions. And only if the company matches them, the money will be transferred to its account. Separate requirements must be met in the process of disbursing funds. If the granting organization considers that the company is not doing the right thing, it can withdraw the money. This happened in 2015 with the residents of the village of Kholmogory, Oleg and Anna Feneva, who received a grant of 1.8 million rubles for the development of a peasant farm. They did not fulfill one of the conditions - the lack of official employment. For this, they began to withdraw money from entrepreneurs through the courts.

How to proceed. Basically, the state is in charge of holding competitions. It also determines the priority areas of business development. In 2018, we developed over 250 projects in 80 areas of activity. Within this framework, novice businessmen are assisted.

A prerequisite for such programs is the payment of part of the costs at their own expense. You need to contribute from 30 to 70% of the total cost of the project.

For convenience, use the business navigator service, it will help you find all available support measures, see options for buying a ready-made business or franchise, and also use analytical data to choose the type of activity in your city.

Business navigator in St. Petersburg

An example of a competition from a private company is Lipton GoodStarter. The competition supports start-up entrepreneurs who work in the social sphere. The winner is determined by the number of likes - whoever has the most of them will receive funding. Thanks to the competition, you can get about 300,000 rubles, and new projects and existing organizations can participate.

Competition from Lipton

Method 6. Use government support

Who is most suitable for. The state allocates funds only to entrepreneurs working in certain industries. They finance businessmen working in the field:

innovation;
social orientation;
tourism;
agro-industry.

In addition, support is provided to start-up entrepreneurs who organize small and medium-sized businesses.

The regional government provides subsidies for the development of priority industries, and holds competitions for grants for young businessmen and women entrepreneurs.

Advantages. The main advantage of state investment is that there is no need to return the funds received. The state benefits not from making a profit, but from the development of a lagging industry at the expense of new enterprises.

Galina Khvostova, sales increase expert:

Please note that subsidies are money that the state gives you and you do not need to return them. Not that you don’t have to pay interest, but you don’t need to return anything at all. That is, you took them, spent on your business, reported as expected. All - you are free.

Risks. An entrepreneur who has received a subsidy has certain responsibilities. For example, they must report on the use of funds and use them solely for their intended purpose. The funds themselves must be used precisely for the purposes indicated upon receipt. Otherwise, the entrepreneur risks not only losing his reputation, but also falling under administrative or even criminal liability.

How to proceed.

Check that your line of business is included in government support programs (see the table below).

Denis Smirnov, head of the online aggregator of stock forecasts Raddar:

In recent years, the Russian state has not only made loud statements, but also really helps budding businessmen in starting their own business - large, national assistance programs are spelled out in priority areas until 2025.

Government business support programs

Program	Who can get	What help will be provided
"Start"	Businessmen operating in the field of IT-technologies	The state invests 2.5 million rubles, the entrepreneur must find an investor who will additionally invest the same amount in the business
"Smart ass"	Entrepreneurs under 30 years of age. Industry-leading technology innovation	500 thousand rubles
"Development"	Businessmen who plan to expand the enterprise and create additional jobs	Up to 15 million rubles
"Cooperation"	Small and medium-sized enterprises that are ready to modernize and integrate into large industrial production	Up to 20 million
"Internationalization"	Companies that plan to develop projects in cooperation with foreign firms	Up to 15 million

There are also regional programs. For example, they subsidize entrepreneurs who start a business in a certain field of activity, for example, "Don Small Business".

But if you still managed to fit into the framework of the projects, you can get funds that you won't even have to return in the future.

Bonus

Is it possible to open a business without money

Initial investment will be required in any case. But there is good news: their size can be so insignificant that it will be possible to allocate the required amount from our own funds. If there is no money at all, and the desire to do business is huge, you can find a way out.

Anastasia Yakusheva, owner of the network of showrooms "Lady's Showroom":

“The lack of money will have to be compensated for with your time, your faith in the project, your creativity, your willingness to work around the clock, constantly learn and be receptive to new ideas and trends. Be prepared to attract friends and acquaintances when you start with a zero budget. For example, they can test how relevant and in demand your products or services are. Check if they are ready to buy them? If so, move on to the next stage - generate demand and collect pre-orders even before the product is in your hands or the service is ready for sale, before you have invested in it. No budget - rely on word of mouth and networking, the more people know and talk about you, the more help you get, the sooner you get your first sales. "

Where to get money for business is the first question asked by people who are “fired up” with an idea. There are many answers to it. You can solve the problem of lack of funds on your own, but if you don’t want to wait it is enough to contact a bank or find a private investor. You can read more about the various methods of getting money to start a business in this article.

Accumulation

Your own savings is one of the longest-lasting methods of accumulating the necessary amount of money to open your own business. To implement it, we need such a salary so that every month you can save at least 10% of the amount received and at the same time remain comfortable living. But in order to accelerate the flow of money "into the piggy bank" comfort can be partially sacrificed. Here is a plan, following which you can collect the required amount as quickly as possible:

1. Find a part-time job

To continue to live comfortably, not to spend money from wages and at the same time to save a certain amount, it is enough to find a part-time job to your liking. Savings received from other activities must be immediately put aside or stored on a bank card.

2. Learn to save your budget

Before saving up the required amount to open your own business, you need to tune in psychologically, then draw up a monthly plan of income and expenses and leave only those acquisitions that are necessary in the shopping list. Cross out everything else and stop wasting money on little things. You can save:

On payment for mobile services, housing and communal services, the Internet,. Deposit money to your account without commission, choose unlimited call and SMS rates, switch to an Internet package with a lower data transfer rate, etc.;
On grocery shopping. Try not to visit supermarkets and megamarkets. Everything is done there so that a person spends as much money as possible, and half of the purchases, when carefully analyzed, turns out to be unnecessary. Make a list of products before going to the store and clearly follow the "instructions". Visit grocery stores and make bulk purchases of products;
Shopping for clothes. Buy things for the winter - in the summer, and for the summer - in the winter. This way you will save from 40% to 60% of the cost of the goods. Visit sales where new items are presented with good discounts. It is better to wait until the season has passed and buy yourself things for all occasions at a lower cost;
On transport services. For the period of accumulating the required amount, you can give up the convenience of moving by car (if any), and go by bus, metro, tram, trolleybus. On the other hand, it is better to get a job in a taxi company by car, creating a good source of additional income, and if you are going, you will also learn how a business is built from competitors;
On vacation and entertainment. It is not necessary to completely abandon the joys of life in order not to get tired of boredom. But an extra trip to a cafe or restaurant can be replaced with a rest with friends at home.

Always consider the fact that there are additional costs and set aside an amount of 5-7% percent of your salary.

Special programs, for example, "Home Bookkeeping", will help to control expenses. For a month, write down all expenses in the cells, then conduct an analysis and refuse unnecessary expenses for the sake of a dream.

Here are some more tips:

Keep money in foreign currency so as not to spend (if the situation on the world markets is stable);
Keep your money in 5000 ruble bills. One would like to spend the thousandth and five-hundred-ruble banknotes more often.

Bank loan

A bank loan is a quick way to get money to start your own business. Financial organizations are ready to offer several lending programs among which you can choose the optimal one. The leaders in providing loans to small businesses are the banks Sberbank, VTB, Alfa-Bank, Bank Trust and some others. They issue funds both secured by real estate or a car, and without collateral.

It is important: experts do not advise taking a loan for the development of entrepreneurial activity for those who are just starting their journey and have not thoroughly studied all the mechanisms of progression and support of business afloat. Improper disposal of funds threatens to turn into a "debt hole" to get out of which will be problematic, and then the question "Where to get the money?" will become even more relevant.

Successful loan approval is possible if:

The borrower provides a detailed business plan that will “work”;
Certificate of income provided;
A novice businessman has no loans and has a positive credit history;
The loan amount is equal to the value of the property or the car that is being pledged.

Bank specialists also take into account your monthly income, expenses, marital status, children and many other factors.

Most banks help to develop a business in the early stages. Sberbank has a "Business Start" program in which all kinds of support are provided to aspiring entrepreneurs and a course "The Basics of an Entrepreneur's Activities" is provided to study. Credit conditions are as follows:

A loan of up to seven million rubles for starting a business;
Loan term - up to 5 years;
The ability to open your own business according to a business plan created by one of the bank's partners or according to the system;
Advisory support at the stage of starting your business.

To get a loan from Sberbank, you need to do the following:

Contact the department and select the "Business Start" product;
Carefully study the course "The basics of entrepreneurial activity";
Get the business plan approved;
Register your activities with the relevant authorities (open an individual entrepreneur or LLC);
Get acquainted with the package of necessary documents, prepare them and submit them to the bank branch;
Deposit to the bank account the amount of the initial payment in the amount of at least 40% of the total cost of the loan.

If you are denied a loan, do not be discouraged, contact the center for the development of entrepreneurship or a credit cooperative. Such organizations support novice businessmen, allocating funds to them on favorable terms, providing information and analytical materials, consultations from leading experts of the country and regions.

The advantages of contacting such organizations:

Minimum terms for consideration of applications for loans;
The minimum package of documents;
Loan repayment on the terms of the borrower;
No commission fees;
Savings insurance, high interest rates on them.

Attracting a private investor

You can take money to start a business from a private investor. To do this, you need to write down the addresses of large companies in your city, find out the owners of the companies, find their phone number, call and offer your ideas. Usually these are leaders of small and medium-sized businesses that have more than one enterprise. It is important for such people that money works for them, so if your proposal seems beneficial to them, they will easily take on its implementation. Benefits of cooperation with private investors:

The ability to receive funds without collateral and guarantors;
Increased chances of success as the investor has the opportunity to study your proposal in depth. You are required to have a well-thought-out and working business plan, for the preparation of which you can use the services of specialists;
Possibility of getting practical advice from an experienced businessman.

After agreeing on the investment, discuss with the investor the way of partnership. You can pay a certain percentage of your income, or it will have a share in your business. The second option is not the best, as it directly affects the freedom of your actions.

Loan from friends or relatives

You can borrow money for the development of a small business from your relatives or friends. It all depends on what kind of relationship you are in with them. Your parents, siblings or cousins can lend you the amount you need without charging you interest, which is very convenient. The main thing that you must do is to calculate all the risks. If for some reason the start of the business fails, you will be forced to return everything and this is a prerequisite. Otherwise, relationships with people will be ruined.

So that friends, acquaintances or relatives do not worry about the safety of their money, it is better to formalize the transaction legally. Take care of how to properly present your business idea so that no one has any doubts about the need to invest. Promise a larger refund or a gift if everything goes well.

Where to get money when there is none? (video)

How to get money from the state for business?

It is possible to take money for a business from scratch from the state using the support program for start-up entrepreneurs. To do this, you need to contact the employment center of the population of your locality. A prerequisite for applying is that you must have unemployed status. If you haven't worked at all, you need to get a job, get some seniority and quit. According to the current legislation, the following categories of citizens cannot be recognized as unemployed:

Full-time students;
Citizens under the age of sixteen;
Pensioners;
Disabled people of non-working groups;
LLC founders or "active" entrepreneurs;
Persons who were imprisoned for crimes committed or engaged in correctional labor.

People who plan to engage in real estate transactions, financial activities, the production of alcoholic beverages and cigarettes, the rental of equipment, and the rental of household products cannot take money to start a business.

You can get the required amount from the employment center by submitting the following documents:

Diploma;
The passport;
Insurance certificate;
Labor book;
Certificate of income from a previous job.

Arriving at the employment center, go to the appropriate office, informing the specialist about your intention to participate in the small business support program. You will be given a questionnaire that you need to fill out, as well as a form where you need to display your business plan. After visiting the sales center, contact the Sberbank branch and open a current account. Funds will be transferred to it in the future.

Preparation of a business plan with its subsequent protection

To take money for starting a business, you need to submit a business plan to the CPC by filling in all the fields of the form. You will be invited to the office where you will need to make a presentation to the members of the commission, carefully explaining and justifying each word and decision. Sample questions that may be asked - "What taxation system do you plan to choose?" or "How do you want to stand out from the competition?" etc.

If the business plan is approved

If a positive decision is made on your idea, it remains to register your activity (open an individual entrepreneur or LLC). This can be done both independently and using the services of companies specializing in this. After completing all the actions, do not forget to take the documents received from the federal tax service to the employment center and after a few days you will be transferred the money, the amount of which must be clarified in advance.

Three months after starting your business, you will have to return to the employment center again to report on the expense of borrowed funds. All expenses must be documented: attach extracts, sales receipts and other documents.

If you want to take money for business from the state for free, you must carry out entrepreneurial activities for at least 12 months, given the fact that they can come to you with an inspection at any time.

When a great business idea has matured in my head and I can’t wait to implement it, the problem arises - where to get money for the business? Every second aspiring entrepreneur faces difficulties in financing a new project. That is why many people give up their business before even starting it. Although there are a lot of options for attracting investments.

Signs of a successful business

Before asking the question of where to get money for a business, you must first answer another - is it worth looking for it. Yes, owning a business allows you to enjoy your work and not depend on your superiors. But only 15% of business ideas are successful. Therefore, before you are tightly engaged in the implementation of your own project, you need to assess the possible risks.

Signs of a successful business:

Relevance. A business worth investing in must be in demand in the market. And you shouldn't be guided by your own opinion. It is necessary to study the niche that the business will occupy in the market and determine the approximate coverage of the target audience.
Novelty. You need to be extremely careful with new projects. Some are able to "blow up" the market, others - to bury the invested time and money.
Ease of implementation. If a business idea requires a complex organizational stage and huge investments, then the chances of finding where to get money to start a business are reduced to zero. After all, the sooner investments begin to pay off, the more attractive the project looks in the eyes of investors.
Reliability. When making a profit is based on outright fraud or hack, you should not even try to look for sponsors. Problems with buyers, and even more so with the law, are not needed by any decent investor.

Preparing to raise funds

Before looking for where to get money for a business, you need to clearly understand that people who are ready to invest in an idea should be completely sure of the seriousness of your intentions. Therefore, you cannot do without preparation.

The first thing that needs to be done is that it is necessary not only for investors, but also for the entrepreneur himself. Sometimes an idea that has matured in my head seems just perfect. But after careful analysis and systematization of all the data received on paper, the future of business no longer seems so promising. Therefore, investors, considering the proposal, will be guided only by numbers.

Second, you need to learn how to correctly convey the idea to the investor. Numbers are good, but an entrepreneur's business acumen is much more important. Therefore, when thinking about where to get money for a business, you need to be ready to defend your project and convey its prospects to the audience.

And the last - all matters that do not concern your business should be postponed. All the time, attention and energy should be directed only to the implementation of your idea. After all, finding where to get money for a business from scratch is not so easy. But numerous attempts will give results if you fully devote yourself to a given goal.

Funding sources

All sources of financing can be conditionally divided into two groups: own and attracted. Of course, when organizing your own business, it is better to make the most of your own resources. However, when there are not enough of them, there is no need to be afraid to attract funds from outside. Especially if there is complete confidence in the profitability of the idea.

Own sources:

accumulation;
sale of property;
diversification of capital.

Attracted sources:

bank loans;
sponsorship investments;
government subsidies.

To determine the source of funding, you need to familiarize yourself with them in more detail. To collect the full amount of initial capital, entrepreneurs often combine several financial resources. But it is better all the same when the majority belongs to the owner.

Own savings

Accumulating money is not the fastest way to finance a business idea, especially if the salary is less than the national average. But often a person has his own savings, deposit accounts in banks or passive earnings, for example, renting an apartment, which can be directed in the right direction.

If there is a real opportunity to earn on start-up capital and support the business until it becomes self-sufficient, then it is best to use this particular method of financing. Since it almost completely eliminates the risk of getting bogged down in debt.

Sale of property

An apartment, an expensive car and other property are a potential source of your own financing. Moreover, money from the sale can be obtained quickly enough, discarding the thought of where to get money for a business without a loan.

But if an apartment, house or other dwelling is the only place of residence, then, of course, it is not worth selling it. The risk of "burnout" exists in the implementation of any business project, so you should not invest in it a single roof over your head.

Diversification of capital

The term "diversification" refers to the redistribution of capital from one sphere of activity to another. The financial flow management system is a rather complex process that requires a serious approach. This method of financing is suitable for those who have already invested in a business that did not bring the expected results.

Therefore, instead of waiting for the first company to "sink" completely, the money invested in it can be used to finance a more promising project. However, in this case, the risk of losing all increases twice. Therefore, it is worth considering before diversifying capital. It may be more expedient to look for where to get money for the development of a small business that has already entered the market.

Bank loans

Banks are the # 1 investors involved in financing legal entities. However, according to statistics, only 5% of loan applications for starting a business are approved. Banks are more loyal to existing organizations that have been operating for more than 3 months.

To get a loan, you need:

Draw up a business plan.
Register an individual entrepreneur, LLC, etc.
Open a bank account.
Register with the tax authorities.
Make a corporate seal.
Apply for a loan with a prepared package of documents.

This method is ideal for those who are looking for where to get money for business development. But there are also chances for “newbies”. The main thing is to develop a detailed business plan and convince the bank employees of the reliability of the investment. When calculating the loan amount, you also need to remember that money will be needed not only at the time of opening a business, but also until the first profit is received.

Government subsidies

Any state is interested in the development of small business, because it is the foundation of the economy. Therefore, there are government programs to subsidize small and medium-sized businesses. Moreover, at the expense of the budget, you can learn the basics of private entrepreneurship, which will allow you to independently develop a business plan without involving outside specialists.

To receive a government subsidy, you need to be an officially unemployed citizen. To do this, you need to contact the Population Employment Center with an application for registration. Further, when communicating with an employee of the center, you need to declare your intentions to open a private business.

If the commission before which you need to defend your business idea makes a positive decision, then a novice entrepreneur can count on state support in the amount of 60,000 rubles. This amount is unlikely to cover the costs of a really serious project. But if this money can be obtained free of charge, you should not neglect it. The main thing is not to forget that three months after receiving the subsidy, it is imperative to report in detail on its intended use.