There are five financing channels for venture capital, including bank loans, personal venture loans, commercial mortgage loans, pawn loans and partnership shares.

1, bank loan

This is the first financing method that people think of when funds are insufficient. At present, banks are also expanding credit support for individual entrepreneurship. There are more and more types of loans and the conditions are constantly relaxed. Entrepreneurs can choose what suits them according to the situation.

Bank loans include personal commercial loans, commercial mortgage loans and secured loans.

2. Pawn loan

Pawn is a kind of financing method that takes physical objects as collateral and obtains temporary loans in the form of physical object ownership transfer. Pawn items include: gold and silver jewelry, antique calligraphy and painting, securities, household appliances, cars, clothes and other personal items. Pawnshops are generally valued at 50%-80% of the retail price of mortgaged goods in the current market. If it cannot be redeemed at maturity, you can go through the renewal procedures.

Compared with bank loans, pawn has incomparable advantages over bank loans.

First of all, the pawnshop has almost zero credit requirements for customers, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate.

Secondly, the starting point of pawn items in pawn shops is low, and items of 1000 yuan and 100 yuan can be pawned. Contrary to banks, pawn shops pay more attention to serving individual customers and small and medium-sized enterprises.

Third, compared with the complicated procedures and long approval cycle of bank loans, the procedures of pawn loans are very simple and most of them are desirable. Even property mortgage is much more convenient than bank.

Fourth, when a customer borrows money from a bank, the purpose of the loan cannot exceed the scope stipulated by the bank. Pawnshops don't ask about the purpose of loans, so they are very free to use them. Repeatedly, the utilization rate of funds has been greatly improved.

3. Government guarantee

The policy support funds provided by the government hold high-tech achievements, so we might as well strive for such policy support. Once successful, the funding problem will be solved naturally.

In addition, the support for agricultural projects in various places is also great. Especially after the cancellation of the grain ordering task, all localities will vigorously develop efficient agriculture. If they are interested in starting a business in rural areas, they can apply for the support of the Agricultural Development Fund. In order to speed up the development, some remote rural areas will give developers several years of free land use rights, which is an effective way to save venture capital.

4. Share partnership

Partnership can not only effectively raise funds, but also give full play to the role of talents, which is conducive to the utilization and integration of various resources.

5. Concessions

Franchising means that the franchisee grants his trademark, trade name, products, patents, proprietary technology and business model to the franchisor in the form of contract, and the franchisor engages in business activities under the unified business model of the franchisor according to the contract and pays the corresponding fees to the franchisor. At present, chain operation has become a leading marketing model.

Baidu Encyclopedia-Risk Financing: Five Financing Methods