如何为我的小企业筹集资金?
尽管, raising capital is the most basic of all business activities, 这可能是一个复杂而令人沮丧的过程. There are several sources to consider when looking for financing. The primary source of capital for most new businesses comes from savings and other forms of personal resources. While credit cards are often used to finance business needs, 也许还有更好的选择, 即使是小额贷款.
Many entrepreneurs also look to private sources such as friends and family when starting out in a business venture. 经常, money is loaned interest-free or at a low-interest rate, 开始的时候哪一种是有益的.
Outside of personal resources, the most common source of funding is a bank or credit union. Venture capital firms also help companies grow in exchange for equity or partial ownership.
企业融资有哪些贷款类型?
成功地获得贷款, 你必须确切地知道你需要多少钱, 你为什么需要它, 以及你将如何偿还. Your written proposal must convince the lender that you are a good credit risk.
贷款条款因出借人而异, but there are two basic types of loans: Short-term and long-term.
Generally, a short-term loan has a maturity of up one year. These include working capital loans, accounts receivable loans, and lines of credit
Long-term loans have maturities greater than one year but usually less than seven years. Real estate and equipment loans may have maturities of up to 25 years. Long-term loans are used for major business expenses such as purchasing real estate and facilities, 建设, 耐用的设备, 家具及固定装置, 车辆, 等.
What Do Banks Look For When Considering A Loan Request?
When reviewing a loan request, the bank official is primarily concerned about repayment. 来帮助确定这种能力, many loan officers will order a copy of your business credit report from a credit-reporting agency.
Using the credit report and the information you have provided, the lending officer will consider the following issues:
Have you invested savings or personal equity in your business totaling at least 25 to 50 percent of the loan you are requesting? Remember, a lender or investor will not finance 100 percent of your business.
Do you have a sound record of credit-worthiness as indicated by your credit report, 工作经历和推荐信? 这一点非常重要.
Do you have sufficient 经验 and training to operate a successful business?
Have you prepared a loan proposal and business plan that demonstrate your understanding of and commitment to the success of the business?
- Does the business have sufficient cash flow to make the monthly payments on the amount of the loan request?
如何写一份好的贷款提案?
A good loan proposal contains the following key elements:
一般信息
- Business name and address, names of principals and their social security numbers.
- Purpose of the loan: exactly what the loan will be used for and why it is needed.
- Amount of money required: the exact amount you need to achieve your purpose.
业务描述
- 这是一种什么样的业务, 它存在多久了, 员工人数, 流动经营资产.
- Ownership structure: details on your company's legal structure.
管理配置文件
Develop a short statement on each principal in your business, 包括教育背景等信息, 经验, 技能, 和成就.
市场信息
Clearly define your company's products as well as your markets, 确定你的竞争对手, and explain how your business competes in the marketplace. Profile your customers and explain how your business can satisfy their needs.
财务信息
- Financial statements: balance sheets and income statements for the past three years. If you are just starting out, provide a projected balance sheet and income statement.
- Personal financial statements on yourself and other principal owners of the business.
- Collateral you would be willing to pledge as security for the loan.