Below, I will share with you the analysis of eight financing methods to help you solve the entrepreneurial problem.
1. Your own deposit
Generally speaking, 30% of the venture capital of successful entrepreneurs comes from their own savings. From the idea of starting a business to putting it into practice, there will always be opportunities for you to save money. ? First work to make money, then come out to start a business? It has also become the path planning of many entrepreneurs.
Li (a college student entrepreneur) suggested that it is best not to start a business blindly, especially for college students, who can work in a school or get a job first. This can not only raise venture capital, but also accumulate experience and resources.
Step 2 borrow money from family and friends
Borrowing money from family and friends should be the method adopted by many entrepreneurs. The advantages are high probability of success, more favorable investment and interest conditions, and faster money acquisition. But there are also parents who may interfere with the company's problems; If your business fails, you may feel guilty for them for life.
Du Kaibing (owner of private enterprise) suggested: First of all, consider how much to borrow. ? Is it suitable? Just don't be greedy. The venture capital is 50,000 yuan, 6.5438 yuan+0.5 million yuan. In my opinion, for a first-time entrepreneur, there is no difference. If they all go out of business, their survival time will be similar. Perhaps, the one with 50,000 yuan passed the careful calculation, but it lasted longer. Starting a business should start with projects within your power.
Cisco (founder of select) also suggested that parents should not borrow more than their loss tolerance. Of course, you want to borrow enough money to start a business, but considering that if your business fails, it may bring great trouble to your family.
For more suggestions, please see how to get your family to invest in your company.
3. Partnership
Many people choose to start a business in partnership to reduce the financial pressure in the early stage of their business. Many hands make light work, and a start-up fund of tens of thousands, 65,438+200,000, was quickly collected. But please note that although starting a business with other people's money is only part of it, you have to face the risks that that person will bring you.
Zhou (director and general manager of Chongqing Zhongjiao Technology Co., Ltd.) suggested that it is best for two people to partner at first. Such a partnership only needs to consider the entrepreneurial matching degree of two people: first, whether your two abilities are complementary. Complementarity can play the greatest role, otherwise it is easy to waste internal friction, and no one can make up for the shortcomings, and the overall ability is discounted; Secondly, whether your values are unified; Third, there is no fault tolerance. If something goes wrong, they blame each other and shirk it, so many partnerships now end up with friends breaking up.
Therefore, when we start a business with other people's money, it is easy to see financing, but the risks and problems shift from the capital level to the partner level, and we still cannot relax our vigilance.
For more suggestions, please refer to these 10 questions before starting cooperation.
4. Join the incubation plan/win venture capital.
Pioneer parks and government agencies in many cities provide entrepreneurs with policies and incubators for venture capital, and provide office space and initial funds; Some well-known entrepreneurial support service organizations and funds will also hold entrepreneurial competitions and Demo activities regularly. Build a business by winning a venture fund? The first bucket of gold? This is an effective and feasible method. But at the same time, it also requires entrepreneurs to have enough strength to stand out from many applicants.
Just like the recent launch of Entrepreneurship? Innovative China Incubation Plan? The Angel Foundation of Entrepreneurship will provide 500-2 million yuan of start-up capital for each incubating enterprise to help start-ups get through the most difficult time of getting up early.
Li Cheng (founder and CEO of Science and Technology) suggested that entrepreneurs should participate more in entrepreneurial activities in the same industry. These entrepreneurial activities not only give entrepreneurs incentives, but also create many opportunities for the exchange of entrepreneurial experience. Similarly, society, media and government have given a lot of attention and support to entrepreneurship, and this collision of ideas is very valuable for entrepreneurs.
For more suggestions, please see the precautions for entrepreneurs to participate in incubator projects.
5. For investors? Want money?
Angel investment is mainly aimed at start-up and seed-stage enterprises, and the amount of investment funds is relatively small, generally ranging from tens of thousands to hundreds of thousands. Moreover, whether to invest or not depends mainly on the personal vision and preferences of investors. You can make a decision immediately when you meet the right project.
In 20 13, the entrepreneurship research center published the angel investment report of China 20 12, listing several domestic angel investors and their investment judgment standards and styles:
1) Cai Wensheng
Investment judgment standard
◎ Team is the first element, which requires honesty, learning ability and entrepreneurial passion.
◎ Be in the right direction, whether the things you do will be sustainable in the next few years, and don't be a field with narrow development space.
◎ To have a good execution speed, you can't always stay at the level of thinking.
◎ Must have a certain user scale. It's not how old you are and how much money you earn in the future, but how many users you have now.
Investment style
◎ Prefer grassroots entrepreneurs.
◎ Pay attention to mobile Internet, e-commerce and creative industries.
◎ Early investment stage. Because of his grassroots background, he has a wide relationship with personal webmasters and knows the Internet in China very well. He will find a new project earlier.
◎ The investment speed is very fast, and many projects have already paid the other party before signing the contract.
◎ The investment scale is generally between several hundred thousand and 5 million, which will account for 0% ~ 30% of the shares of/kloc-0.
◎ Some projects may not be too big, and even have certain public welfare, but they will be invested as long as they can help each other.
Major investment projects
In 2007, I started to make angel investment, and invested in more than 100 websites, including Storm Video, flashget, 4399 Games, 58 Tongcheng, Zcom Electronic Magazine, Meitu Xiu Xiu, CNZZ Statistics, China Webmaster Station, renamed China, Xinxin Tourism, Dajie.com, Lending Gang, etc., and many of them got subsequent venture capital.
2) Lei Jun
Investment judgment standard
◎ Able to understand users' needs and extremely sensitive to the market.
◎ Entrepreneurs aim high and keep their feet on the ground.
It is best for two or three people with complementary advantages to start a business together.
◎ There must be a skilled technical director who can lead the team.
◎ Low-cost and rapid expansion ability: Internet enterprises should maintain sustained and steady growth, such as 65,438+00% per month, 3.65,438+04 times a year later, 65,438+05% per month, 5.35 times a year later, 20% per month and 8.92 times a year later.
◎ Those who have successful entrepreneurial experience will get extra points.
Become the fattest market
◎ Choose the best time point
◎ Focus, Focus and Re-focus: Will it be among the best in the segmentation field, and can it achieve a market value of $65.438+0 billion?
◎ Small-scale business verification.
Investment style
◎ Generally, you only vote for acquaintances, and you don't vote if you are unfamiliar; Or invest very little money
◎ Isn't it chaotic to help? Control type? angel
◎ Projects that tend to solve the needs of local users in China.
◎ Focus on investment fields: mobile Internet, e-commerce and social interaction.