Search for investors for business: 4 basic steps for finding + 9 sources of start-up capital.
Search for investors for business with the presence of brilliant ideas, a lot of energy and a huge desire to develop, will not require much work.
It is carried out at the initial stage of the implementation of a new business project, when there is a problem of shortage Money.
In this article, we will tell you in more detail which investors will help make your dream a reality.
How to find an investor for a business and how to interest him?
Each person strives to replenish his “purse” by any means, especially if we are talking about the investor.
Who has almost all the finances in work, thereby regularly replenishing the bank account of his owner, provided that he does not have to do anything for this.
Usually, people use this type of saving and increasing funds after they encounter interest that banks give for keeping on deposit.
After all, such income barely compensates for the rate of inflation.
The investor should be treated as a full-fledged partner.
On the one hand, an idea is invested in cooperation, and on the other, money.
Therefore, such a process is mutually beneficial for all.
Experts say that a successful search for investors for a business depends on a professionally prepared and presented presentation that can convince the investor about the profitability of the investment.
For an investor, there are a few things to keep in mind:
- creativity and uniqueness of the future business;
- the amount of the deposit;
- payback period of a new idea;
- detailed calculation of income.
If weighty arguments are found according to the above criteria, then we can assume that the person will unconditionally agree to cooperate.
Finding an investor to invest in a business: 4 basic steps
Action #1: Develop a plan
Develop a plan, which will subsequently be presented to the contributor.
The presented presentation is necessary to convince the potential investor of the profitability and quick payback of the project.
An example of the information that a business plan for an investor should contain:
A business plan for such a purpose is somewhat different from the standard one.
First of all, volume.
It is believed that a document longer than 15-20 pages will "work" at times less effectively than its "brother".
Also, the difference is that - this is a guide, as it were step-by-step instruction for the entrepreneur himself.
But the plan prepared for investors is a marketing tool.
It should not just describe the business, but present it attractively.
For this purpose, applications, graphs, tables, and diagrams are actively used.
It is better to entrust the creation of such a document to specialized intermediary companies.
Action #2: What type of investor is needed?
Decide which investor is needed to develop the idea.For example, you can find a contributor who will provide funds for the purchase of necessary equipment for the business or expansion of the enterprise at a conditional interest rate.
Or find an investor who will sponsor the business and become a co-owner in the future.
You should determine the direction in the search for a contributor and the features of your cooperation.
Action number 3: Help from experienced businessmen
“The main thing is not the effect, but the effectiveness in actions.”
Farhad Ahmedov
Seek advice and guidance from experienced businessmen who have been working in this direction for more than one year.
They will help you point out possible risks or just suggest how to find an investor for a business .
Action #4: Specialized Services
Place project and short description on specialized startup databases, forums for finding business investors.
After that, after some time, maybe there will be a call from an investor about the interest to invest money in a start-up business.
We present the most popular specialized services for placing an idea and searching for an investor:
- https://www.investclub.ru/view.php?id=10639 - the site will help you find an investor for any kind entrepreneurial activity.
https://starttrack.ru/ - StartTrack 725 helps to make deals between the founder and a person who is ready to invest in the presented project.
To date, 800 investors are present on the site and 40 projects are on display.
The portal contains 4,325 projects, of which 1,423 need investment.
https://www.napartner.ru/ is the very first startup exchange on the Russian market.
There are 1,239 investors, 9,983 "innovators" and 500 business ideas waiting on the Innovative Ideas website.
There is also a section where you can purchase an already implemented business.
https://www.askcap.ru/ is one of the largest investor search databases in the country.
The website contains profiles of 6512 ideas, the lion's share of which is available for consideration only after authorization on the portal.
Technoparks, incubators, accelerators, venture funds cooperate with Askcap.
https://angel.co/ - this service is the progenitor of the above investor search sites.
There are 1,600 startups and 421 investors from the Russian Federation on the portal.
Where to search for investors for business?
Before looking for an investor for a business, you need to contact specialists in the economic sector who will calculate and draw up a detailed action plan.Friends and relatives
Finding an investor for a business is not an easy task.
It would be wise to involve all relatives and friends in such a process.
This is the most advantageous way that will reduce the perceived risks to a minimum.
In addition, if the implementation of an idea requires small investments, you can interest your comrades in the profitability of the project, and offer to invest hard-earned business in the promotion.
Naturally, at a certain monthly percentage.
Businessmen with experience
It is either big, there are businessmen who firmly stand on the “platform” of trading and want the already earned finances not just to lie in the bank, but to bring additional monthly income.
A person should be disposed towards a newly minted idea and offered to make a contribution on favorable terms for both parties.
Or, at the request of the investor, make him a partner.
But the last option can fetter and limit the actions of the founder of the business.
This step should only be taken as a last resort.
Funds
One of the ways to find an investor for a business is investment funds or funds established to support start-up entrepreneurs.But for this it is necessary to provide weighty arguments that your project is vital to society.
You should know that often when contacting this organization, a businessman should already have some initial capital and a willingness to invest in his business.
That is, this method is more suitable for existing enterprises that want to expand their sales area and product range.
To get help, you also need to provide a plan, an analysis of the current company.
Do not forget to follow the work of investment funds, which can hold contests and select promising works.
Who knows, maybe you'll be lucky.
Consider the most popular funds that have helped many aspiring entrepreneurs:
- https://www.kiteventures.com/ is another fund for business development.
https://www.runacap.com/
Foundation Founder - Russian businessman Sergei Belousov.
He introduced brands such as Rolsen to the world and is the creator of Parallels (cloud hosting platform).
If you manage to cooperate with this company, then there is no doubt about its profitability.
Igor Matsanyuk, after moving from Murmansk to Moscow, founded a fund specialized in games, services and applications for phones.
If an entrepreneur has a creative idea related to computer technology then this fund is for him.
Business incubators
There are already more than a hundred business incubators in the Russian Federation.These are structures that are created to help start-up companies at the start of their work.
Business incubators offer their residents:
- rental of premises at a reduced price (and in some cases - free of charge at all);
- meeting rooms;
- support in establishing contact with investors and buyers;
- consultations in consulting and information matters.
The key difference between a business incubator and other forms of investor assistance is the participation of people who mentor aspiring entrepreneurs.
They perform the function of not just “providers of finance”, but also development partners, business mentors.
If you need the support of experienced businessmen, please contact the following business incubators:
- https://www.osp.ru/news/2010/0913/13003512/
- https://inc.hse.ru/
- https://www.inmsu.ru/ru/
- https://www.rea.ru/ru/org/managements/orgnirupr/Pages/bi.aspx
- https://www.ranepa.ru/kto-ya-2/student-bakalavriata/studencheskaya-zhizn-v-akademii/biznes-inkubator
- https://rb.ru/incubator/incube/
- https://theoryandpractice.ru/organizations/3940-biznes-inkubator-incube-ankh
Bank as an investor
When there is not even the slightest idea or all of the above options have been considered, then a bank loan is one of the options for obtaining the desired amount.But getting it is not so easy.
Often banks put forward excessive requirements for the borrower, which the latter does not always cope with.
To apply for a loan, a bank provides:
- guarantor,
- security deposit,
- package of relevant documents.
If a bank claims If you don’t fulfill it, you can be left without a business, and even with a huge debt.
A bank loan is ideal for starting a small business that does not require serious capital investments.
Finding investors for a business is a rather laborious task that requires great patience and perseverance.
It is necessary to carefully consider each of the available options and calculate possible financial losses.
If all this is done, then there is a huge chance to find a profitable investor.
Investors among foreign businessmen
If everyone possible ways have been tried, but the investor cannot be found, then you should seek help from foreign entrepreneurs.
In the case of foreign investors, you can forget about your previous triumphs.
Such people look exclusively at real achievements in business.
Also, only those projects that can bring multimillion-dollar profits (preferably in US currency) are usually considered.
Not necessarily a business idea should be a technological direction.
Any ideas that multiply the investor's capital many times over are considered.
Foreign investors will never invest their capital in a project based only on the ambitions of the creator of the idea.
Only figures and facts from the prepared business plan will be weighty arguments for concluding cooperation.
Search foreign investors For your business idea, you can visit these sites:
- https://investgo24.com/ is an international portal that will help you find investments for your idea.
- https://start2up.ru/ - will help you find a person who is ready to invest in a business, not only in the regions of Russia, but also abroad.
- https://www.magnat.su/ - using this site you can find not only foreign partners, but also put up your own business for sale.
franchise
The search for investors for business by the method guarantees fast development and start to enter the market platform under the patronage of a well-known brand.Banks provide finance for the development of a franchise business with great pleasure.
This is one of the few cases when the latter provides the necessary funds to open a company without any problems.
And that's not all: a deferred payment for a period of six months is provided.
With the help of this, a novice businessman will be able to direct his strength and energy to the promotion of his offspring.
This speeds up the process of repaying the debt to the bank.
To obtain this type of loan, it is necessary to place one guarantor, and the bank is guaranteed to approve the application.
How does this method work?
Suppose a novice businessman has a promising and creative idea related to the engineering industry.
The founder contacts an authorized company (eg Porsche).
To its representative, he demonstrates the presentation of his idea.
And if the company is interested in this innovation, it can give its patronage to the project in the form of financial assistance or permit the use of the company's official logo.
When a start-up firm has such a patron behind it, the banks consider it reliable enough to provide the necessary loan.
Who is an investor and look for him, you will also learn from the video:
Search for an investor for business– this is not an easy task.
Of course, you can do without outside help if you save the necessary amount and open a small food shop.
But if the founder has a different task, then the search should be carried out in all possible places with the involvement of a large number of people.
You can also shift this task onto someone else's shoulders and contact a specialized company that is able to find an investor for the project itself.
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A loan from a private investor is an opportunity to take out a loan. But a potential borrower needs to know how best to do this - since fraudsters often pretend to be a private investor, offer to issue a loan online or offline, take an advance, and then simply disappear.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
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General provisions
A private investor is a person who lends money at a certain interest rate. The investor gives out personal savings.
Some of the investors are ready to provide not only for apartments, that is, with security, but also without it.
How to find a bona fide investor? This is the question most often asked by potential lenders.
They come to the aid of private message boards, where real, not fictional characters offer their loan offers.
The bulletin board contains several headings, you must choose the one where it is written about assistance in obtaining a loan.
Usually private investors place their ads there. An alternative to this method can be lending exchanges.
But the difficulty lies in the fact that a potential borrower must go through a difficult selection by filling out and uploading a copy of the passport, work book etc.
This is not the easiest option to find a private investor, besides, such exchanges often check a person.
And logically, it is not the most favorable - otherwise a person would not experience difficulties in obtaining a traditional credit banking product.
Private individuals are creditors who are not related to organizations and do not pursue their interests. They give out at% personal money.
What it is
A private lender does not represent the interests of an organization, bank or MFI. These are people who lend their personal money at interest.
Often private investors are ordinary scammers. You should be careful when dealing with them.
To protect yourself from a scammer, you must strictly follow a few rules:
| Indicators | Description |
| Making an appointment with a potential lender in a public place | if a person begins to refuse, looking for an insignificant reason for this, it is better not to have anything to do with him |
| If a future lender asks for an advance payment for his services, then this is most likely a scammer | no matter what the creditor says, what reason he comes up with in his defense. Before you is a typical scammer who will disappear with the money. Usually scammers say that they use money, prepayment for the purposes of commission for money transfer, verification of CI, insurance, payment notary services. It's a lie, don't believe it |
| Proper execution of the loan agreement | in principle, in these legal relations, it is not the microloan agreement itself that is decisive, but the presence of a receipt. If the funds were transferred in cash, then only this document will become proof of their acceptance / transfer. If the loan was disbursed by non-cash payment through a bank, then the bank order will serve as proof |
What characterizes private loans is that the investor has an individual approach to each of the potential clients.
You can find private investors who give loans without collateral. To help future customers, the exchange of private loans. Of course, unsecured loans are rare.
To find out the terms of a loan, you need to write a letter to the investor, asking him for details, conditions, criteria by which this person usually cooperates with borrowers.
In addition, this information is very important for the term of the loan, as well as the procedure for its repayment. The % rate is also important.
Requirements for the borrower
The main requirements are:
Advantages and disadvantages
The main advantage of obtaining a loan from a private person is the absence of the need to provide him with documents. This is a certificate from the place of work on income, a copy of the work book.
If the investor has doubts that the debt will be returned to him, he can ask for a deposit.
In addition, it is equally important that there is the possibility of personal contact with the lender. In the process of a personal conversation, you can discuss the interest rate, the amount of money borrowed, and reach a compromise.
Private investors do not impose strict requirements on the timing of the return of funds. Based on this, this issue can be easily resolved by mutual agreement.
Options for obtaining money from a private investor:
How do you get money:
Unlike MFIs, an investor can take funds in any currency. A loan from a private investor can be taken literally in a day. There is also the possibility of early repayment.
An important disadvantage is the high risk of being in the hands of a fraudster.
This is especially true for potential borrowers who apply for such loans for the first time, that is, to a private investor. You need to protect yourself.
To do this, we follow simple rules:
- We read investor reviews on the Internet.
- Do not give the original documents to the lender.
- Do not provide the lender with the details of your bank card except for the bank account number.
- Upon receipt of funds in hand, it is necessary to count them in the presence of the investor.
- After returning the debt, it is necessary to take a receipt in it that the money was returned back.
You can contact the services of private investors through private announcements. And also through specialized online exchanges. You need to register for them, enter all the necessary data.
The difficulty lies in the fact that registration takes a lot of time. And it is sometimes very difficult to check individuals who appear on the resource as investors and creditors.
Therefore, you should be especially careful if you want to get a loan, especially in a large amount.
Video: a loan from a private investor
Important nuances
In order not to fall into the hands of scammers who act on behalf of bona fide private investors, to get a loan without collateral and subsequent problems, you need to follow some rules.
Firstly, a conscientious investor will not require an advance payment. The opposite demand is a deception, although there are citizens who are ready to bring revenue to the swindlers in this way.
Many of them do not even think that they are being misled in this way. The reasons for prepayment, which are voiced by the scammer, may be different. The most interesting thing is that they are not devoid of some logic.
For example, checking credit history. Indeed, in some cases, the investor does this, although it is not entirely clear what he is counting on when checking his credit history.
It is quite understandable that citizens who just have some problems with obtaining bank loans, loans from MFIs turn to him. So their credit history is ruined. An extract from the BCI costs from 300 to 1000 rubles.
Some scammers even find a check that reflects the transfer. But it should be understood that the check can be forged.
Some investors require payment of a transfer fee. But in some cases, the transfer may not take place by the bank, but using an unverified service. He takes high stakes per wire transfer Money.
And the speed of crediting money is low. Investors may require payment of notary services.
You should know that notarization receipts, loan agreements take place only with the participation of two parties to the legal relationship.
And if an investor demands money to pay a notary, goes to him alone, this is definitely a hoax. Some scammers, trying to deceive gullible citizens, talk about some kind of cooperative, which you need to join in order to issue money.
As we know, a cooperative is entered after paying membership dues. This explains the need to make an advance payment. In short, there are many options. The borrower must protect himself.
One of the main actions is not providing your documents to the investor. Especially the originals.
If the documents are necessary for issuing a receipt or contract, they should still be in the hands of a potential borrower.
Also, do not give scammers card details, Qiwi wallet. All you need is a bank account number.
What is regulated
A private investor is an independent financial relations face. This means that the investor issues funds on his own behalf, on a private basis. As an individual, he does not represent an MFI or a bank.
How to make your business proposal attractive and find a private investor? Where and how is the search for investors for startups? Who will help if I am looking for an investor to open a business in Moscow?
Hello everyone who visited our site! In touch Denis Kuderin - investment specialist.
We continue the topic of investing. AT new article I will try to answer in detail and in detail the question of how to find an investor for business projects, start-ups and other commercial undertakings.
The publication will be useful for both novice entrepreneurs and those who already have experience in promoting and developing their own business.
So, let's begin!
1. Why are they looking for an investor?
Every business needs financial support. Without attracting funds, the full development of the project is impossible - it will simply die in its infancy.
Saving money and patiently waiting for the right moment is not an option: in business, time is the most important factor success. While you save money, your niche will certainly be occupied by smart competitors.
There is nothing shameful in the lack of finance. Even the largest modern companies(for example, Google) at the debut stage developed exclusively at the expense of third-party capital.
Young and promising enterprises almost always feel a shortage of finance: as a rule, this is balanced by an excess of promising ideas. Today, the process of finding investors has become much easier - there are hundreds of funds and companies ready to provide their resources to budding entrepreneurs.
However, these funds do not provide money to every businessman. First you need to convince the partner to cooperate with you, prove that your project is better, more promising and more interesting than that of competitors, and provide a competent business plan.
And since most investors are professionals with extensive experience, they are able to almost accurately determine where it is better to invest in order to get a guaranteed profit.
Remember: funds and private investors are not involved in charity: they are interested in a full and, if possible, quick return on their investments.
Any source of funding credit organizations, venture companies, business angels - are interested in the return of their assets and do not distribute money without sufficient commercial grounds. The exception is organizations that issue grants, but their attention is even more difficult to win.
Natural questions arise:
- How exactly to attract an investor to your business?
- how to talk to an investor so as not to get rejected?
- where is it better to apply - to investment funds, banks, directly to businessmen, to friends and acquaintances?
These questions (and some others) I will try to answer in the following sections of this publication.
2. What may be of interest to an investor?
Why do some entrepreneurs manage to find money in a matter of days, while others have been looking for financial support for promising (at first glance) projects for years?
The point is not at all in natural charm (more precisely, not only in it). To interest an investor is a whole science or even an art. First of all, depositors need guarantees that their money will work.
Every investor needs to know everything about business participants - their professional and organizational skills, motivation and goals.
When approaching partners for support, entrepreneurs should prepare in advance:
- Presentation of your project- an intriguing introduction to the essence and meaning of the upcoming business - half the battle.
- Competent business plan: this document, among other things, should contain specific indicators that the company intends to achieve over a certain period.
- Real plan for spending the funds received The investor must know where the funds provided to them will go.
Your partners do not need redundant information, but for any possible question from the side of the contributor, you should have ready answers. Excessive optimism also does not inspire confidence: do not try to overestimate the possible profits and do not keep silent about the possible risks.
Try to interest the investor in the originality of your idea, but also remember that overly radical innovations can scare off conservative lenders.
Example
A startup developer starts a conversation with an investor with the following phrase: “I want to provide you with a product that has never been on the market!” It sounds spectacular, but an experienced businessman will immediately become alert. He knows that there is usually nothing on the market for which there is no demand.
Even if your product is truly unique, be prepared to prove it to a potential partner with facts. Think ahead about how you will deal with objections and personally conduct a risk analysis.
Starting the search, it is also desirable to immediately determine the circle of people who will be interested in your offer. Your actions must be purposeful. You can search for partners on your own or with the involvement of professional consultants.
3. How to find an investor - step by step instructions for beginner businessmen
By acting consistently, competently and, as they say, "according to science", you will achieve results much faster. The main rule in the search for sources of financing is to take into account the interests of the investor. Do not forget that the person providing the loan is always guided by commercial considerations.
Your potential partners do not need innovation, they do not care about your well-being, but the multiplication and preservation of their own funds. Many of them are not interested in new business ideas at all, because they are already dead tired of active commerce.
Investors have already earned money by their own labor and now they just want to receive passive income from their assets. At the same time, they are interested in ways that will bring more money than mutual funds, banks and other traditional areas of investment.
Your task is to convince partners that you will provide them with such income.
Step 1. We draw up a clear business plan
A business plan is the first thing investors look at. If you do not have a well-formulated development strategy, the chances of success in seeking financial support will be minimal.
The plan should contain the following items:
- the essence of the proposed idea;
- the size of the required investments;
- commercial benefit for the investor;
- approximate payback periods and first profit;
- company development prospects.
Experts advise to pay attention to every detail up to the execution of documents: it is recommended to print them on high-quality paper and accompany them with professional graphic design.
Step 2. Decide on a suitable form of cooperation
There are various ways of interaction between the recipient of the investment and the investor. It is necessary to decide in advance which form will be most effective for your company.
Some depositors give money at interest, others may demand a share in the business or a commission on future income. Having chosen the most suitable cooperation model for you, be sure to indicate it in the plan.
Keep in mind that a novice merchant needs to be flexible: if an investor insists on some particular form of interaction, it may be worthwhile to meet him.
Step 3. We turn to experienced businessmen for help
A beginner will be best understood by experienced entrepreneurs who have been working in your chosen niche for a long time. Many successful businessmen are willing to give advice to neophytes if they are planning a mutually beneficial partnership in the future.
Even if the “senior friend”, having listened to the business idea, does not decide on direct investments, he will certainly provide you with valuable parting words or wishes that will bring success in the future. In addition, he may recommend your candidacy to others.
Step 4. Negotiate
A positive response to an investment proposal often depends on skillfully conducted negotiations.
Even if you have no problems communicating with people, you need to prepare in advance for a conversation with a potential investor. As I said, you will need answers to possible questions and logical arguments in favor of the viability of your startup.
At the first meeting with a potential partner, they will expect a competent presentation from you. You will not be mistaken if you invite a narrow specialist to participate in the presentation of the project, who will clearly and clearly explain all the nuances of your idea.
Step 5. We conclude an agreement
The culmination of the meeting is the signing of investment documents or a cooperation agreement. I think there is no need to remind you that the contract should be read, not viewed. Even better, if you get acquainted with a professional lawyer.
The contract must specify:
- investment amount;
- terms of interaction;
- rights and obligations of partners.
According to the document, the money is transferred to the customer on certain conditions. The essence of these conditions is that funds are invested in business (production, equipment, creation of an online project).
The investor must be sure that his assets will not go (even partially) to extraneous needs - for example, to pay the debts of the head of a startup.
4. Where to find an investor - 5 proven ways
We have come to the next most important question - where to find an investor? The short (though banal) answer is in the following way: You can find a contributor to a business anywhere.
It is enough just to carefully look around, and you will see how much free money is spinning in the financial space. These funds are just waiting to be "taken into circulation" by energetic and enterprising people, which (I sincerely believe) are our readers.
Consider the most popular ways to attract monetary resources to your project.
Method 1. Friends and relatives
It is unlikely, of course, that you have heard such a phrase from your friends: “I wish I could become a contributor to some promising startup.” However, the inner circle is exactly the area from which you should start searching.
This is especially true for young and novice businessmen, who usually have zero real contacts in the business world. But on the other hand, almost everyone has friends or relatives who have the amounts necessary for the initial deposit.
And often these people do not know what to do with "free" money. Due to the low level financial literacy citizens of the Russian Federation sometimes do not even suspect that their assets can and should be increased by making wise investments.
However, everyone strives to protect finances from inflation. Your goal is to convince your acquaintances to become business partners. I agree that the task is not an easy one: in our country, even close people often do not trust each other. But it is no more difficult than borrowing money from a bank or an investment fund.
The only advice - do not promise your friends, uncles, aunts and cousins \u200b\u200bthe golden mountains. Be realistic. Treat your loved ones like official investors: you can even provide them with a full-fledged business plan to dispel possible doubts.
Method 2. Experienced Entrepreneurs
Even in the smallest city there are people who own successful business and already amassed a solid fortune. Experienced entrepreneurs understand that money should work, and not be a dead weight.
Successful businessmen are always looking for where to invest their capital so that it brings a stable profit without much labor. Your task is to get such people to believe in your commercial idea and invest in a new endeavor.
There are two main partnership options:
- borrow money in the form of a long-term loan;
- suggest share in project.
In the second case, your freedom of action will be significantly limited, but experienced businessmen are more willing to cooperate with such cooperation.
Read more about this method of finding investors in the article "".
Method 3. Investment funds
Such structures often specialize in assisting small and medium-sized businesses. To get money in an investment fund, you need to prove to its representatives the viability of your project.
This option is more suitable for those who already have operating business but there are not enough funds for its development. For a positive decision from the management of the organization, you, again, will have to carry out thorough preparatory work.
Namely, to analyze the work of the company and draw up a plan for its development or reconstruction.
Method 4. Business incubators
Incubators and technoparks are ways to organize a favorable business environment for start-up businessmen. In incubators, the development of businessmen occurs quickly and painlessly. Beginners get a chance to implement their own ideas at minimal cost.
Each major city has one or more business incubators. They may be called Centers for the Development of Entrepreneurship or something else, but their essence is the same - to help neophytes create their own business or enterprise.
Technoparks are usually based at universities or scientific institutions. Their task is to introduce into practice production developments related to hi-tech ( high technology). Thanks to technoparks, large industrial companies use the achievements of small science-intensive businesses.
Majority Russian institutions of this type was created with the support of the state.
Method 5. Banks
The most traditional way to raise funds for a business. Alas, it is not always possible to get a loan.
Typical requirements of financial institutions for recipients of business loans:
- the presence of collateral;
- impeccable credit history;
- reliable guarantors.
In addition, these loans are high interest(average rate - 17%).
Sometimes it's easier to make consumer credit: easier, but by no means cheaper. After all, if things suddenly do not work out, you will have to repay not only the debt, but also the accrued interest.
If this prospect does not scare you, then my advice is to borrow money from companies where you already have an account. Or contact the big financial institutions- Sberbank, .
The table shows the most popular loan products for debutants of small and large businesses:
5. Alternative sources of investment - what is it?
It is not always possible to find an investor or a sufficient amount to implement their plans. In such situations, try to get help from alternative sources.
These include:
- state funds for entrepreneurship support;
- grants from private companies;
- franchise companies.
There are committees and centers for promoting small/medium businesses in Moscow and some other cities. These organizations are willing to act as guarantors for loans and sometimes even provide interest rate subsidies.
Some companies (particularly Support of Russia”), even they themselves are ready to give money for promising projects. Applicants for subsidies are selected on a competitive basis.
The grant is the most desirable option for young businessmen. The advantage of such assistance is that the grant does not need to be returned, it is free of charge.
Funding comes from budget funds and are directed to the development of priority business areas for a particular region or city. Often, large regional and metropolitan universities act as intermediaries in issuing gratuitous loans.
There are also international organizations similar plan - for example, the fund "Scientific potential".
On the site there is a separate material.
Self-confidence, creativity and a detailed business idea: these are the main success factors in finding an investor. The investor must understand that he does not throw money away, but puts it in a profitable and worthwhile business.
To help future businessmen, we have collected the most practical tips for attracting third-party subsidies.
Tip 1. Regularly visit places where potential investors gather
AT major cities events are held regularly to help newcomers meet the right people. On such sites, not only investors hang out, but also mentors, mentors, experts and other useful people.
Development information technologies greatly simplifies the task of entrepreneurs. There are many intermediary resources in the network, with the help of which investors look for objects for investment and vice versa.
Tip 2. Gather a team of professionals who are passionate about the same idea
Teamwork is always more effective than solo projects. An example of this is our site "HeaterBober", which works thanks to the coordinated actions of like-minded people.
People who share each other's views and burn with the same idea are more likely to make more correct and far-sighted decisions, successfully overcome difficulties and achieve the desired results faster.
Tip 3: Don't be afraid to pitch your idea to sponsors
Do not be afraid that you will not be understood, and do not make secrets covered in darkness out of your project. Openness appeals to investors. If you trust financial benefactors, they will trust you too.
Tip 4. Don't set yourself the task of achieving everything at once
This refers to the ability to be patient and flexible. It will be great if you offer the investor several options for business development at once.
Remember also that gradual and planned movement is more productive than headlong running over rough terrain.
Tip 5. Justify the benefits of your startup
If you can clearly and simply talk about the advantages and unique properties of your startup, you will gain a competitive advantage over other applicants.
The lack of an original idea and sluggish presentation are the main reasons for failures in finding a source of funding.
And for clarity - a video on the topic of finding investors with the participation of the famous businessman Vladimir Dovgan.
7. Who can provide professional assistance in finding an investor?
If you find it difficult or impossible to find financial sources business needs professional help.
There are platforms on the Internet for those who:
- wants to invest;
- looking for investment;
- wants to find a business partner.
Consider the most famous Russian-language resources of this type.
Board of announcements from investors, startups, entrepreneurs in need of business partners. The service helps people with finances to invest in profitable projects. And vice versa - novice businessmen can find generous investors here to support their projects.
Announcements are divided by regions and business lines. Among the activities are the Internet and IT, Culture and Art, Science, Real Estate, Education and dozens of other promising areas.
Among the participants are hundreds of businessmen and investors from Russia, Belarus and European countries. Posting ads is free. Simply register on the site, and your chances of finding investors or business partners will increase many times over.
Right now, the resource contains hundreds of proposals for buying out startups, investing in various areas business and modernization of existing enterprises. Here you can also buy and sell assets ready business. The project has a Facebook group to follow latest news portal.
A company specializing in finding investments for an existing or mothballed business. You only need to register on the aforementioned portal and get in touch with those who you need. A real saving of time, effort and nervous energy.
Hello, my name is Michael. Question: how to find and choose a private investor who is ready to lend his own money for development, business creation and other personal purposes?
Many people know about the existence of such a banking product as. But in recent years, the so-called private lending . Advertisements and offers of such services, increasingly, can be found on the Internet and on the streets. Everyone knows that most of these ads are nothing more than a hoax.
However, among such borrowers there are also real ones who are ready to provide profitable terms cooperation, so it is very important to learn how to identify them among scammers.
To understand the essence of private lending, you need to understand who does it and why they need it.
1. Private investor - who is he and what is his activity?
Private lender is an individual who is ready to give another to an individual a loan from own funds, on certain conditions, which are stipulated in the loan agreement.
Such an agreement establishes debt repayment terms, loan amount, interest and penalties. The contract must be accompanied by a receipt, which is written by the borrower at the time of receipt of the amount of money. It is possible to execute the transaction with a notary, but not necessarily.
The undoubted advantage of such cooperation for the borrower is that a private investor does not have access to credit history, and therefore, it cannot influence the decision.
Sum, which can be borrowed in this way has no clear limits and depends on many factors, including financial opportunities the lender himself. Basically, it's in the range 1 000 – 30 000 rubles and for a short period, on average, 2 months.
Interest rate , as a rule, is charged for each day of using the loan, in the amount of from 0.3% to 4% in a day. The debt, in this case, is returned at the end of the term, all, together with interest. Usually, no collateral or security is required. There are also lenders willing to lend a large amount, up to several million, however, such will already require appropriate support.
Must own property, capable of covering the loan amount, the contract will indicate that in the event of default on the debt, the borrower's property will be transferred to the lender. Usually, market price collateral must be 30-40% higher than the loan amount. The interest rate and terms for such contracts, of course, are different - 15-30% per annum, on average, for 2-3 years.
The payment system for a private loan is established individually, by agreement reached by the parties.
There are also premium category lenders who are ready to issue an amount of more than 5 million rubles, accepting the relevant property as collateral: expensive real estate, profitable business And so on.
2. How to choose a private investor?
Looking for a conscientious person who can lend own funds The process is very complex and takes a lot of time. Most of them try to find such persons in the local media or in street advertisements, which is not worth doing.
Firstly, there is a great risk of meeting with so-called black investors who may offer to purchase equipment on credit in a store, promising to buy it back. At best, they'll do it for 60-70% from the cost, and at worst, they will not pay the money at all, leaving the unfortunate borrower with a new debt and without goods.
Secondly, scammers can take an advance payment and hide, which is also not uncommon. Usually, ad resources from individuals do not check their honesty.
You can ask friends, it is quite possible that among them there are those who are ready to give sum of money under interest. Among the resources with ads, one can single out hcpeople who check creditors and have real opportunity find the right one among them.
In more detail, we wrote in our last publication.
Nevertheless, the most suitable source may be the exchange of mutual p2p lending.
There are a lot of them in our country, the most popular of them are:
- Vdlolg.ru;
- Zaymigo;
- Fingooroo;
- Credbury etc.
This scheme operates on the basis of Internet resources, where anyone can register as a borrower or investor. Per documenting The site itself is responsible, as well as for checking the members.
3. How to make sure that the lender is honest?
Even though check investor details is not difficult, a lot of people fall for scammers, due to the fact that the latter are very competent at cashing in in the difficult situation of borrowers.
After all, such loans are sought by people who, have reasons why they cannot qualify for bank loan, without having, for example, a job or a positive credit history, often already frightened by the actions of collectors or bailiffs, which means they are ready for a lot to get the right amount.
First of all, in checking the creditor can help internet. You need to enter data about a potential investor into the search box and familiarize yourself with the search results. Might be found
AT modern world there are more and more interesting business ideas that need to be implemented. But for the promotion of any project, money is needed, which the author of the idea does not always have. Therefore, the question of finding investments for starting a business is relevant. However, entrepreneurs and companies starting from scratch run the risk of facing strong competitors in their chosen niche. And in order to realize the idea and find the necessary funds for this, you need to know all the tricks for attracting investors.
- Where to look for investors
- Attracting investments through the mainstream
- Platforms for finding investors
- How to act. Basic rules for attracting investors
- How to make a project attractive: what an investor will pay attention to
- How to prepare for communication with an investor: from a pitch to signing an agreement
- How to prepare a presentation: 5 chips for investors
We will tell you how to make your project attractive to investors and what you need to do for this. The road will be mastered by the walking one, and the business - by the one who is ready for the new.
Where to look for investors
Opportunities for finding investors are much more than it might seem at first glance. And you can find money by resorting to how long ago existing methods investment, and modern, which appeared with the advent of the Internet.
Classic ways to attract investment
You can get money for business through investment funds, small business assistance funds. This is quite a difficult task. In addition to the fact that a novice entrepreneur must find serious reasons for receiving investments, he must invest part of the funds himself, but not everyone has the opportunity to do this.
You can ask for help at venture funds However, it must be taken into account that they provide funds for the development of projects that have prospects. First of all - in the field of innovations and IT-technologies.
Another option is a special platform for investing in business projects, a business incubator. But in order to get money, you need to win the competition and pass an interview.
Successful investors can also become potential investors businessmen who would like to have passive income. Finding investors and making them partners is the most acceptable and easiest way. And for this you need to be able to present your project well, to prove its viability and relevance.
Attracting investments through the mainstream
One of the most popular ways to attract investment is crowdfunding, which is the collection of funds for a business from ordinary people. There are crowdfunding sites on the Internet designed so that you can leave offers to raise funds for a project or invest your money in a project. But in order to resort to this method, one must either be famous person, or be able to advertise your idea very well, which, unfortunately, is not done on crowdfunding sites.
You can also try attract investments through cryptocurrencies and electronic payment systems . It should be noted that some cryptocurrencies popular today, for example, Ethereum, were created with the money of users.
Platforms for finding investors
If you do not know where to look for investors, then we offer you several large platforms for finding them.
business-platform.ru. Federal business platform. In addition to projects and proposals for the sale of a ready-made business, here you can find a base of investors. The main task of the platform is to connect investors and authors of business projects online.
beboss.ru. The resource provides an opportunity to search for investors for any industry, as well as a catalog of franchises, business plans and business ideas.
napartner.ru. The platform offers various services for startups and investors, such as transaction support. Beginning businessmen will need to describe the nuances of their project so that investors receive as much information as possible.
investclub.ru The resource provides ample opportunities for finding investments and investors.
rusinvestproject.ru. A platform for searching for investors both in Russia and in the CIS countries.
How to act. Basic rules for attracting investors
There are many people who want to receive investments and the competition is quite strong, so before looking for an investor, you need to learn a few rules.
The more information you provide to investors, the more you will be trusted.
If you know how much you can earn, how your project will develop, you can safely go to a conversation with an investor. Calculate exactly how much money you need and for what.
An example is the startup Talkdesk. Its authors proposed the development of cloud technologies to be used in call centers. Before meeting with a representative of the Silicon Valley venture fund, from which the project team subsequently received $12,000,000, it already had investments from other investors in the amount of $4,000,000 and received $1,000,000 in profit. Investors were captivated by the team's ability to save money and devote themselves entirely to work. They made all conclusions on the basis of the information provided about the project.
The more you know about an investor, the more opportunities you have to interest him.
What is your preferred communication style? How does he do business? How quickly does he make decisions? Every little thing can be important.
An example is receiving investments for the Glowforge project. Before applying for investments, the author of the project looked through the blogs of the fund's partners. Studying them, he concluded that when making a presentation, one should be based not on numbers, but on the product. In total, the project raised $9,000,000 for the production of laser 3-D printers from venture capital funds Foundry Group and True Ventures in 2015.
The project also set a crowdfunding record as it was able to raise another $28,000,000 on the platforms. That is, the author of the project, Dan Shapiro, successfully used the second rule, but most importantly, the third rule.
The more confident you are in your success, the more others will believe in it.
Investors prefer competent and persistent people who know what they want and who can justify their plans. Prove that you are capable of doing what you propose. Refuse the words “I want” and “I wish”, say “I do” and “I act”. Focus on goals. Properly set goals will certainly lead to success.
How to make a project attractive: what an investor will pay attention to
According to statistics, only one out of ten projects receives investments. What needs to be done to make your project interesting for investors?
- You and your team
First of all, any investor will be interested in what kind of people he will have to work with. Interesting as the personal qualities of the author of the project, and his motivation, willingness to go to the end. You must prove that you can move forward despite the difficulties. It is important how you achieve your goal, as any investor values his time and money.
- Correct calculations
Unfortunately, 95% of start-up entrepreneurs looking for investors have little idea of what income they can expect. The figures presented by them at the presentation sometimes do not correspond to reality. Constantly growing sales and millions of profits offered by project authors often have nothing to do with the real state of affairs. Look for how to optimize costs, indicate what exactly you want to receive investments.
- Project Potential
One of the most important points in communication with the investor - determination of the potential of the project. The investor must know when the project will generate income, how you will identify potential customers, and finally, when the project will fully pay off. Preferably within a year, maximum three years.
To decide on potential clients It's a good idea to run a crowdfunding campaign. In the event that users are interested in your project, you will have a chance to arouse interest among investors.
How to prepare for communication with an investor: from a pitch to signing an agreement
There comes a time when the investor believes that he should choose your project. On average, it takes businessmen 3-9 months from meeting an investor to concluding an agreement. You may have to prepare more than one version of the business plan and answer many questions that you are not quite ready for. Therefore, carefully prepare not only for the presentation, but even for a short meeting and a telephone conversation. Each stage of communication requires its own preparation.
Stage 1. Acquaintance
It can be both internal and external. The main thing here is to interest the investor in your project. To do this, you can use the following methods.
elevator pitch or a presentation in an elevator. The short presentation is so named because businessmen and startups “caught” potential investors in elevators and presented their business idea to them in 30 seconds. Your mini-presentation must include:
- the problem you are solving;
- Product Description;
- monetization method.
The main thing is to attract attention, for which you can use Interesting Facts or numbers. For example, SpaceX's presentation consisted of only three proposals: about launch costs that have not been reduced for decades, the possibility of reducing them by 90 percent, and the impressive amount that can be earned.
Elevator pitch can be used in large forums and business competitions.
Correspondence. It is quite possible to establish a connection by correspondence by e-mail. For individual calls, this method works best. The letter, in addition to the appeal, must include:
- a description of the product or service;
- description of consumers;
- business model;
- basis for investment.
Stage 2. Business meeting
Presentation. If a potential investor is interested in the elevator presentation or your letter, he will invite you to a personal meeting, for which you also need to prepare. When going to a meeting, you need to decide what you want from it specifically. If you get money, then you need to say so. Such a call to action is quite applicable and works.
Now about the presentation itself. It should be short and bright. It's good to follow the 10/20/30 rule. Try not to dwell on the details and keep within the 20-minute presentation, which consists of 10 slides and typed in 30 font.
Appearance. The fate of your project will depend not only on a good presentation, but also on your behavior and appearance. That's why:
- don't be late;
- come in a business suit;
- follow the rules of etiquette.
Your ability to keep yourself confident, your energy and charisma are very important.
Stage 3. Obtaining funding
Finance, finance and more finance. For an investor, the most important thing is making money. This must be remembered first of all. Therefore, even if your project is supposed to “save the world”, but does not have a good business plan and financial plan, it will not interest a potential investor. Required financial model, which can be adjusted by the investor himself. Good to have:
- marketing research results;
- letters from suppliers.
It is better to prepare three options at once: optimistic, pessimistic and basic. But, in any case, the model must be carefully verified. Only in this situation can we hope for a deal. It is important to show that you know the market well, to convince of the expediency of introducing your product. The investor must believe that by investing money in your idea, he will be able not only to quickly recoup the investment, but also to make good money.
How to prepare a presentation: 5 chips for investors
The presentation is very important, on which the receipt of investments will largely depend. Many entrepreneurs, when preparing for a presentation, do not fully understand the interests of investors and do not know how to properly present their project. What points should the presentation contain?
- Problem Definition. If it is, then it must be confirmed. Confirmation of demand should be determined by real numbers.
- Solution. Your decision cannot be the only correct one. But this is your decision, and you need to convince the investor that it works, that people are ready to buy the product. It is best to come to investors already with certain results. To do this, you can take the following steps:
- do product testing;
- notify of changes to the project;
- present the available results.
- Search for opportunities to implement the product. Willingness to buy does not mean that the product will sell well. Even if a person buys a service or product once, there is no certainty that he will contact you the next time. Therefore, you need to consider the profit and loss per customer, the so-called unit economy, as well as ways to attract and retain customers.
- Searching for a market and defining a strategy for entering it. We need to look for those markets that are growing, not disappearing, such as the market for cell phone repair.
If the presentation shows how your income will grow in 3-5 years, then your financial model will arouse interest among investors.
- Determining the amount of investment. At the last stage, it is imperative to tell the investor what you need money for and how much you want, as well as how much you are ready to invest yourself.
The right choice of an investor, serious preparation for a conversation with him, as well as a good presentation of the project will help you get a chance to invest in your project.
Andrey Merkulov
Investor, founder of the Investment Territory project
The owner of a number of assets - a profitable house, profitable apartments, profitable websites
Entrepreneur, expert in traffic, business replication and business systems
