How to raise funds quickly

In the turbulent entrepreneurial environment, seeking financing has become the norm, and "how to raise funds quickly" has also become a big question that entrepreneurs sigh in silence. question. Financing is a technical job, and sometimes it is also an art. You need to master some methods. Here are a few methods briefly introduced to you:

1. Find the right investor.

If you have a choice, definitely choose the investor who understands you best. This understanding includes understanding of your industry and what you want to do in the future. An investor who understands you It will save a lot of communication costs among people.

2. Find the right financing idea.

Evaluate which channels to raise funds from, the advantages and disadvantages of each financing channel, and whether it is possible to combine financing from multiple channels, that is, to take money from multiple channels. It is actually quite common for a good company to use multiple financing channels, but each has its own pros and cons. It is better for the overall shareholders to be less concentrated and less concentrated.

3. Find a reasonable income distribution model.

The core principle is who gets the big win. Nowadays, many companies use share mortgages for financing, and many resource parties will hold more than 30% of the shares. In fact, this structure is not good. Generally, no investor is allowed to hold more shares than the founder. If it can be like a digital property rights trading platform that does not use shares for financing, but uses products for financing, then it will be a very stable financing method for enterprises.

4. Find innovative financing methods.

We have heard of a company before, which is a very famous game company in the industry. Its financing channels are very innovative. It does not find traditional banking institutions, but a digital property rights trading platform. A new type of financial platform that uses product collateral for financing. Investors will only share the proceeds of your product and will not divide the company's shares. Even if the project fails, it will have little impact on the company in the future.

5. Find the most efficient financing channel.

In this financing process, time is the most valuable capital. When you are financing, when your business is developing, the market has passed and is no longer at that point. It is very, very difficult for you. , no matter how good your business model is. Everyone should have their own opinions on which one is more time-saving: traditional financing, offline negotiation and communication from house to house, new financing, or instant financing on online investment and financing platforms.

"Usually, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing, and overseas financing. I learned a lot of relevant knowledge at Sand Dune, and the quality is very high.

Most companies use the first three financing methods, 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 required capital threshold is low. ; Financing risk is small; it can prompt the company to improve its governance structure and management system without having to "pay back money"

How to do corporate financing

Relatively feasible methods of corporate financing:

1. Equity financing: usually go directly to the official website of the institution for BP submission. If there is no reply, it means that your project does not meet the investment standards of their institution. Offline salon activities are usually added in more economically developed areas. Easy to access. If you don’t have access to investor resources, you can go to some financing platforms that can directly connect with investors. It must be self-service and can apply for a single phone call to connect with investors. Don’t choose a membership system. Telephone connection is efficient. After chatting, you can also add investors on WeChat to recommend cloud docking.

2. Debt channel: Banks can obtain various types of corporate credit loans as long as they have good credit. All major banks have various types of mortgage loans. You can go directly to the bank's official website to learn about similar products, and you can learn about financial leasing and supply chain finance promoted by third-party financial institutions.

3. Policy financing: If your top talents are holding high-tech projects. Nowadays, local governments have directly implemented large amounts of incentives for these talents and projects. Due to ideological deviations, state-owned commercial banks are often reluctant to provide loan support to small and medium-sized enterprises, and their financing is subject to many restrictions. It is difficult to achieve the goal of developing small and medium-sized enterprises faster and better without solving the problem of financing. In response to this situation, in order to promote the development of China's economy! Beijing Tenghui Xinde Investment Consulting Co., Ltd. has teamed up with major banks in Beijing to provide Small financing provides a green channel for promising small and medium-sized enterprises.

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 to projects that have a demonstration effect on my country's small and medium-sized enterprises to promote the development of my country's small and medium-sized enterprises. The specific approach is to help projects raise funds through limited recourse project financing. IFC promotes foreign investment in our country by working directly with investors on projects, assisting with project design, and helping with financing. IFC plays a leading role in actively developing overseas syndicated loan markets for China. However, the restrictions are quite large, and the procedures are quite cumbersome. The loan targets are mainly private enterprises with a certain scale, concentrated main business, leading positions in the industry, long-term development strategies, and willingness to adopt clear financial accounting systems.

Five ways to solve financing loans

Five ways to solve financing loans

Financing loans are to apply for loans from financial institutions and are the main ways of corporate financing. Below is the content I have compiled on five methods to solve financing loans. You are welcome to browse.

Five Ways to Solve Financing Loans Part 1

Seeking

Small businesses with good credit have a good chance of obtaining a small amount of funds from institutions - usually no more than $50,000, even after being turned down by traditional banks before. FoxValleyMicroLoanFund in the United States requires applicants to submit a rejection letter from the bank. Although relevant credit records will also be considered, the fund will not set high credit standards. It pays more attention to specific circumstances that affect creditworthiness.

Use your own assets

After banks lowered their loan limits, asset-backed loans have taken a big step forward. For example, at First Business Capital, qualified receivables can be used for mortgage loans. The lender can put down 85 percent of the total amount up front and then pay off the remaining 15 percent when your customer pays. Interest paid on the down payment is 1.5 to 3 percentage points higher than the prime rate, says the firm's Michael Croton Michael Colloton said, "Only in this way can we provide loans to companies whose credit worth is not very high."

Online Loans

If you need a small amount of working capital, you can try "personal loans" A peer-to-peer (P2P) lending network that searches for suitable lenders and borrowers online. Although this is still a new thing, Steve Bloom, former chairman and consultant of the Atlanta branch of the US SCORE organization, believes that "within three or four years, P2P lending services will make a huge contribution to small business financing." . ”

Find a large bank

If your credit score and business profitability are both good, you can find a local bank that is more lenient on business loans and is not involved in serious subprime mortgage problems. .

Negotiating with suppliers

Many people do not realize that suppliers are good loan resources. In fact, they very much hope that their client companies will develop well and are often willing to Adjust payment methods to help customers overcome difficulties.

Five Ways to Solve Financing Loans Part 2

Special Loans for Small and Micro Enterprises

Currently, most banks have their own special loans for small and micro enterprises. Products include "Small Convenient Loan" of Industrial and Commercial Bank of China, "Shanrong Loan" of China Construction Bank, "Changyi Loan" of China Minsheng Bank, "Xinyidai" of Ping An Bank, "Businessman" of China Guangfa Bank and "Xinweili" of Bank of Nanjing, etc. wait.

These loan products are characterized by higher processing efficiency and meet the "small, frequent and urgent" financing needs of micro-enterprises. Let’s take Nanjing Bank’s “Xinweili” as an example: micro-enterprises, self-employed businesses and individuals do not need real estate or mortgage, and can apply only with their own credit. This breaks the reliance of micro-enterprises on collateral and guarantee companies in traditional loans. Micro-customers who meet certain conditions can directly obtain financing through pure credit.

In terms of repayment methods, the policy of equal principal and interest, monthly interest payment and one-time repayment of principal when due, and early repayment at any time without penalty interest constitute a flexible repayment structure, as long as the average monthly operating income reaches 100,000 yuan (Inclusive) or above, individual industrial and commercial households and individuals with fixed residences, those with local household registration must have been operating continuously in the local area for more than one year (inclusive), and those with foreign registration must have been continuously operating in the local area for more than two years (inclusive), can apply to Bank of Nanjing Apply for a pure credit loan, the maximum loan amount can be up to 1 million yuan, and the loan period can be up to 2 years. When the application materials are complete, the loan can be released in as soon as 2 days. And customers can repay in advance at any time if needed.

Joint Guarantee Loan

The so-called "Joint Guarantee Loan" means that several small businesses voluntarily form a joint guarantee body and apply for loan credit from the bank through independent negotiation. Once one of them When a member makes late repayments, other members will be jointly and severally liable for the repayments. According to reports, the biggest advantage of "joint guarantee loans" is that the loan approval procedures are simple, and members of the joint guarantee body do not need to provide additional asset guarantees, nor do they need to introduce a guarantee company.

Bank credit sources reminded that although "co-guaranteed loans" are suitable for small and micro enterprises, banks are more stringent than ordinary mortgage loans when first approving them. "Including every member of the consortium, We all have to check carefully. "Once approved, future loans will be issued quickly, and funds will be guaranteed first. "After completing the process on the first day, the loan will be released the next day."

Order loan

Order loan, also known as order loan, is a loan business for small businesses to provide orders with reliable payment terms and use contract sales returns as the first source of repayment. Many banks, such as China CITIC Bank and Bank of Beijing, limit this loan to special loans. The loan is stipulated to be used for related expenses such as the purchase of goods and raw materials under the order and the provision of professional services.

Order loans can effectively solve the problem of enterprises’ production capacity failing to keep up with the scale of orders. Colleagues, order loans usually do not require collateral, have a shorter cycle, and save loan costs.

Credit card overdrafts

Currently, many banks including Guangfa, Shanghai Pudong Development Bank, CITIC and Hua Xia Bank have launched large-amount credit card loans (cash advance business). Customers can use their credit cards to The overdraft limit is directly converted into cash, and the principal and a certain amount of handling fees are repaid in installments. Based on the customer's credit status and loan amount, the bank will provide corresponding preferential interest rates. Customers who have successfully applied for this business will not be charged interest if they have not activated it. At the same time, they can use it freely within the approved loan limit. For example, if the credit limit is 100,000 yuan, the customer can borrow 50,000 yuan of it first, so that only 50,000 yuan of interest will be calculated. .

Through mortgage

Because the scale of small and micro enterprises is not large, the cost is much higher than that of large enterprise loans, so the safest way is to apply for personal loans. To solve the problem, it is easier and more efficient to use real estate mortgage. In addition, there are also many banks that 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, with shares of listed companies, unlisted companies Equity, etc. are used as pledge guarantees to issue personal loans to borrowers for their normal production and operations. Banks such as China Construction Bank, ICBC, Bank of China and Agricultural Bank of China have launched personal gold loans based on the characteristics of physical gold and market demand. The loan amount can reach up to 80% of the assessed value of the pledged brand gold. Customers can apply through online banking.

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How to obtain personal financing and what are the personal financing channels?

1. Bank loan: Those who own houses and cars can apply for large loans, which need to be evaluated and valued. The disadvantages are slow speed, long cycle, and low success rate. The advantage is that the amount is large and the relative interest rate is Low.

2. P2P: It can also be used to borrow money and finance. Although the interest rate may be high, the requirements for borrowers are low. Consumer loans usually require many conditions, such as central bank credit reporting, etc. , for some people who do not have a fixed job or have unstable income, this P2P loan may be the fastest.

3. Pawn shops are unfamiliar to many people, but in fact, the short-term turnover is very fast, and relatively speaking, there are almost no qualification requirements for borrowers, as long as there are valuable pawns. stuff, and you can get the funds quickly.

Personal financing channels:

1. Credit card loan: It is credit card financing and card loan behind credit card (loan behind credit card) financing. This is for everyone, even if they have no assets. , through gradual creation, the personal financing that can be created is between 500,000 and 3 million. If the creation time is longer, of course the amount of creation will be higher.

2. Installment card: Its limit is different from the normal credit card limit. Every bank has it. Some banks have independent installment cards with a maximum limit of 300,000. Some banks have a maximum of 500,000, and some banks have a maximum of 1 million. This is something we can achieve entirely through pure credit.

3. Pure credit loan financing: Pure credit loan financing means that if you don’t have a credit card or you have a credit card, you can get financing through credit. Pure credit loans are available in every bank.

Extended information:

Notes on personal loans:

1. In the financing process, take the business plan (BP) as an example. The most important step in the process. Because investors tend to pay more attention to how to maximize the benefits of the funds they invest, therefore, for entrepreneurs, it is necessary to turn the stepping stone of BP into a business description with a more sales-oriented meaning.

2. Strive to summarize the highlights of your project in the shortest possible length, and then clearly describe the complementary needs of the company and customers based on customer needs. Use an attractive enough business model to attract the attention of investors, and then convince investors to fund your project.

3. There is a firm attitude towards the need for financing. Entrepreneurs must focus for a period of time and go all out to make financing their first priority. Only in this way can they be convinced that the current stage is not suitable when the results of financing are counterproductive. Financing