The method of rapid financing
In the turbulent entrepreneurial environment, seeking financing has become the norm, and "how to raise funds quickly" has become a big problem for entrepreneurs. Financing is a technical activity, and sometimes it is an art. You need to master some methods. Here are some simple methods:
1. Find the right investor.
If you have a choice, you must choose the investor who knows you best. This understanding includes understanding your industry and what you want to do in the future. An investor who knows you will save a lot of communication costs.
2. Find the right financing idea.
to evaluate the financing channels, the advantages and disadvantages of each financing channel, and whether it is possible to combine financing through multiple channels, that is, to take money from multiple channels. Multi-channel financing is actually quite common for a good company, but each of them has its own advantages and disadvantages. It is better for the overall shareholders to be a little less concentrated.
3. Find a reasonable income distribution model.
the core principle is who gets the big head. At present, many companies are financing by share mortgage, and many resource parties will account for more than 3% of the shares. In fact, this structure is not good, and generally no investor is allowed to occupy more shares than the founder. If it can be like a digital property rights trading platform, instead of financing by shares, it will be a very stable financing method for enterprises.
4. Find innovative financing methods.
We have heard of a company before, and it is a very famous game company in the industry. Its financing channel is very innovative. Instead of looking for a traditional banking institution, it uses a new financial platform such as a digital property rights trading platform to mortgage financing with products. Investors will only share the proceeds of your products and will not split the shares of the company. Even if the project fails, it will have little impact on the company in the later stage.
5. Find the most efficient financing channel.
In this financing process, time is the most valuable capital. When you are financing, when your enterprise is developing, the market fever is over, and it is no longer at that point. It is very, very difficult for you, even if your business model is no matter how good. Traditional financing, offline negotiation and communication, new financing, and online investment and financing platform instant financing, which is more time-saving, everyone should have their own opinions.
"Under normal circumstances, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing and overseas financing. I learned a lot of related knowledge in the sand dunes, and the quality was very high.
The first three financing methods used by most enterprises, especially equity financing and bank loans. If you want to find one that suits you, it is recommended to choose equity financing. The advantages are: the threshold for required funds is low; Small financing risk; It can urge the company to improve its governance structure and management system, and it is not necessary to "pay back the money".
How to do enterprise financing
The relatively feasible ways of enterprise financing:
1. Equity financing: Usually, you go directly to the institution official website for BP delivery. If there is no reply, it means that your project can not meet the investment standards of their institutions. The offline salon activity is generally easy to reach in economically developed areas. If you can't reach the investor resources, you can go to some financing platforms that can directly find investors to dock, and you must be self-help and can apply for it once.
2. Creditor's Rights Channel: Banks can borrow all kinds of corporate credit loans as long as they have good credit. All major banks have similar products for all kinds of mortgage loans, and they can go to Bank official website directly to learn about financial leasing and supply chain finance promoted by third-party financial institutions.
3. Policy financing: If your top-notch talents hold high-tech projects, local governments now directly reward these talents and projects, and the amount is not small. Due to the deviation of ideological understanding, state-owned commercial banks are often reluctant to provide loan support to small and medium-sized enterprises, and their fund raising is subject to many restrictions. In order to develop small and medium-sized enterprises faster and better, it is difficult to achieve the goal unless the problem of financing is solved. In view of this situation, in order to promote the economic development of China! Beijing Tenghui Xinde Investment Consulting Co., Ltd., in conjunction with major banks in Beijing, provides a green channel for small and medium-sized enterprises with promising development. You can check their contact information online!
another way is to make good use of the funds of the international finance corporation. The international finance corporation intends to provide financing for projects that have a demonstration role for China's small and medium-sized enterprises to promote the development of China's small and medium-sized enterprises. The specific way is to help the project finance funds through the way of limited recourse project financing. IFC promotes foreign investment in China by directly cooperating with investors, assisting in project design and helping to raise funds. IFC plays a leading role in actively developing overseas syndicated loan market for China. However, the restrictions are also quite large, and the procedures are quite troublesome. The loan target mainly seems to be a private enterprise with a certain scale, concentrated main business, leading position in the industry, long-term development strategy and willingness to adopt a clear financial accounting system.
five ways to solve financing loans
five ways to solve financing loans
financing loans are the main ways to apply for loans from financial institutions. The following are the contents of five ways to solve financing loans that I have compiled. Welcome to browse.
Five Ways to Solve Financing Loans 1
Small enterprises seeking
good credit have a great chance to obtain a small amount of funds from institutions-usually not more than 5, dollars, even if they have been rejected by traditional banks before. The FoxValleyMicroLoanFund in the United States requires applicants to submit a rejection letter from the bank. Although it will also consider relevant credit records, the fund will not set high credit standards, and it will pay more attention to the specific circumstances that affect the credit.
Use your own assets
After the bank lowered the loan amount, the asset-backed loan took a big step forward. For example, in FirstBusinessCapital, eligible receivables can be used for mortgage loans. Lenders can pay 85% of the total amount first, and then pay the remaining 15% when your customers pay. The interest paid for the advance payment is 1.5 to 3 percentage points higher than the prime rate, said MichaelColloton of the company. "Only in this way can we provide loans to companies with low credit value."
online loan
if you need a small amount of working capital, you can try the "person-to-person" (P2P) loan network to find suitable lenders and borrowers online. Although this is still a new thing, SteveBloom, former chairman and consultant of the Atlanta branch of the American SCORE organization, believes that "within three or four years, P2P lending services will make great contributions to the financing of small businesses."
find a large bank
if your credit rating and corporate profitability are good, you can find a local bank that is more relaxed in corporate loans and has not fallen into serious subprime mortgage problems.
Negotiating with suppliers
Many people don't realize that suppliers are good loan resources. In fact, they expect their clients' enterprises to develop well and are often willing to adjust payment methods to help them overcome difficulties.
five ways to solve financing loans 2
characteristic loans for small and micro enterprises
At present, most banks have their own characteristic small and micro enterprise loan products, including ICBC's "small convenient loans", China Construction Bank's "good financial loans", Minsheng Bank's "easy loans", Ping An Bank's "new loans", Guangfa Bank's "businessmen" and Nanjing Bank's "Xinweili".
these loan products are characterized by higher handling efficiency and meet the financing needs of micro-enterprises. We take "Xinweili" of Nanjing Bank as an example: micro-enterprises, individual industrial and commercial households and individuals can apply only by their own credit, which breaks through the dependence of micro-enterprises on collateral and guarantee companies in traditional loans, and micro-customers who meet certain conditions can directly finance through pure credit. In terms of repayment methods, the policy of matching principal and interest, paying interest once a month, and repaying in advance at any time without penalty interest constitutes a flexible repayment structure. As long as the average monthly operating income reaches more than 1, yuan (inclusive), there is a fixed residence, individual industrial and commercial households and individuals with local household registration must operate in the local area for more than one year (inclusive), and those with foreign household registration must operate in the local area for more than two years (inclusive) can apply for pure credit loans from Nanjing Bank. In the case of complete application materials, the loan can be released within 2 days at the earliest. And customers can repay in advance at any time as needed.
joint guarantee loan
The so-called "joint guarantee loan" means that a number of small enterprises voluntarily form a joint guarantee body, and apply to the bank for loan credit after independent negotiation. Once one of the members is overdue, other members will bear joint and several repayment responsibilities. According to reports, the biggest advantage of "joint guarantee loan" is that the loan approval procedures are simple, and members of the joint guarantor do not need to provide additional asset guarantees, let alone introduce guarantee companies.
Bank lenders reminded that although "joint guarantee loan" is very suitable for small and micro enterprises, banks are even stricter than ordinary mortgage loans in the first examination and approval, "including every member of the consortium, we should carefully find out." Once the approval is passed, the future loan will be very fast, and the funds will be guaranteed first. "The process will be completed on the first day, and the loan will be released the next day."
order loan
order loan, also known as order loan, is a loan business for small enterprises by providing orders with reliable payment conditions and taking contract sales refund as the first repayment source. Many banks, such as China CITIC Bank and Bank of Beijing, limit this loan to special loans. It is stipulated that loans should be used for purchasing goods and raw materials under orders and providing specialized services and other related expenses.
Order loan can effectively solve the problem that the production capacity of enterprises can't keep up with the order scale. Colleagues, order loans usually do not need collateral, and the cycle is short, saving the loan cost.
Credit card overdraft
At present, many banks, including Guangfa, Shanghai Pudong Development Bank, CITIC and Huaxia Bank, have launched large credit card loans (cash advance business), and customers can directly convert the overdraft limit of credit cards into cash, and repay the principal and a certain amount of handling fees in installments. According to the customer's credit status and loan amount, the bank gives the corresponding preferential interest rate. Moreover, customers who successfully bid for this business are not allowed to use it, and they can use it freely within the approved loan amount. For example, if the credit line is 1, yuan, customers can borrow 5, yuan from it first, so only the interest of 5, yuan is counted.
Mortgage
Because small and micro enterprises are not large in scale and the cost is much higher than that of loans from large enterprises, the safest way is to solve it by personal loans. Mortgage of real estate is simpler and more efficient. In addition, many banks can allow other mortgage methods. The "Financing Easy" personal equity loan of Shanghai Pudong Development Bank Hangzhou Branch is launched for individual shareholders and operators who hold high-quality corporate equity, and the shares of listed companies and unlisted companies are used as collateral to provide personal loans to borrowers for their normal production and operation. Banks such as CCB, ICBC, BOC and ABC have launched personal gold loans according to the characteristics of physical gold and the market demand. The maximum loan amount can reach 8% of the assessed value of the pledged brand gold, and customers can apply through online banking.
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how to raise funds for individuals, and what are the channels for personal financing?
1. Bank loan: those who own a house and a car can apply for a large loan, which needs to be appraised. The disadvantages are slow speed, long cycle and low success rate, while the advantages are large amount and low relative interest rate.
2. P2P: It can also be used to borrow money for financing. Although the interest may be high, the requirements for borrowers are low. Consumer loans usually require many conditions, such as credit information from the central bank. For some people who have no fixed job or unstable income, this P2P loan may be the fastest.
3. Pawnshop, which is unfamiliar to many people, is actually a very fast short-term turnover, and relatively speaking, there is almost no qualification requirement for borrowers. As long as there is something valuable to pawn, you can get funds soon.
personal financing channels:
1. Credit card loan: that is, credit card financing and card loan behind credit card (back-of-credit card loan). For everyone, even without assets, personal financing can be built between 5, and 3 million through gradual construction. The longer it takes, the higher the amount will be.
2. Installment card: Its credit limit is different from the normal credit card limit. Every bank has it. Some banks with independent credit limit have a maximum of 3,, some banks have a maximum of 5,, and some banks have a maximum of 1 million. This can also be achieved by pure credit.
3. Pure credit loan financing: Pure credit loan financing means that if you don't have a credit card or have a credit card, you can refinance through credit. Pure credit loans are available in every bank.
Extended information:
Notes on personal loans:
1. In the process of financing, take the business plan (BP) as an example, which is a more crucial step in the financing process. Because investors tend to pay more attention to how to maximize the benefits of their own investment, for entrepreneurs, it is necessary to turn BP, the stepping stone, into a more meaningful business manual.
2. Try to sum up the highlights of your own project in the shortest space, and then clearly discuss the complementary needs of the company and customers according to customer needs. Use an attractive business model to attract investors' attention, and then persuade investors to contribute to your project.
3. There is a firm mood in financing demand. Entrepreneurs should gather for a period of time and go all out to take financing as their primary task. Only when the result of financing backfires, can they be sure that this stage is not suitable for financing.