What Is Creative Financing?

Venture financing: five financing methods, including bank loans, personal entrepreneurship loans, commercial mortgage loans, and pawn loan partnerships.

Venture Capital: Five Ways of Financing

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Venture financing: five financing methods, including bank loans, personal entrepreneurship loans, commercial mortgage loans, and pawn loan partnerships.

This is the financing method that people think of first when there is insufficient funding. At present, banks are also continuously expanding their credit support for individual entrepreneurship. There are more and more types of loans, and conditions have continued to relax. Entrepreneurs can choose the ones that suit them.

Personal business loan: A business loan refers to a special type of loan issued by an individual who has a certain production and business ability or has been engaged in production and business activities to apply for capital requirements because of starting a business or re-starting a business. Eligible borrowers can receive a maximum of 500,000 yuan in loan support based on their individual resources and repayment ability. For those who have reached a certain scale or become reemployment stars, they can also apply for higher loan amounts. The term of a business loan is generally one year, with a maximum of three years.

Commercial Mortgage Loans: At present, many personal loans that banks handle externally, as long as the mortgage procedures meet the requirements, banks will not ask about the purpose of the loan. People in need of entrepreneurship have the flexibility to use personal consumer loans for entrepreneurship. The amount of mortgage loan generally does not exceed 70% of the appraisal price of the mortgage, and the maximum loan limit is 300,000 yuan. If a business needs to purchase commercial houses along the street, you can use the proposed house as collateral to apply for a commercial house loan from the bank. The loan amount generally does not exceed 60% of the estimated value of the proposed commercial house, and the maximum loan period is not more than 10 years.

Guaranteed Loans: If you have no certificates of deposit, government bonds, or insurance, but your family or friends have a stable income, then this can also be an excellent source of credit. At present, banks have a special liking for the high-income class. Lawyers, doctors, civil servants, employees of institutions, and financial industry personnel are all listed as preferential treatment for credit loans. Employees in these industries need only one or two colleagues to guarantee. A guaranteed loan of about 100,000 yuan can be obtained at a financial institution. Moreover, this loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get venture capital on the same day if you have prepared all kinds of materials.

Pawns are a form of financing in which temporary loans are obtained in the form of a transfer of physical ownership by using physical objects as collateral. The scope of pawn items includes: gold and silver jewelry, antique calligraphy and painting, securities, household appliances, cars, clothing and other personal belongings. Pawn shops generally value 50% -80% of the current market retail price of mortgaged commodities, and renewal procedures can be handled if they cannot be redeemed at maturity.

Pawn loan is also a simple, fast, safe and reliable financing channel. Compared with bank loans, pawns have advantages that bank loans cannot compare. First, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only focuses on whether the pawn items are genuine. In addition, commercial banks only do real estate mortgages, while pawn shops can do both real estate and real estate pledges. Secondly, until the starting point of pawn goods is low, thousands of yuan and hundred yuan can be pawned. In contrast to banks, pawn shops focus more on serving individual customers and SMEs. Third, compared with the complicated bank loan procedures and the long approval cycle, the pawn loan procedures are very simple and most are immediately desirable. Even real estate mortgages are much more convenient than banks. Fourth, when a customer borrows from a bank, the purpose of the loan cannot exceed the range specified by the bank. Pawnshops, on the other hand, don't care about the purpose of the loan, so borrowing is very free to use. Repeatedly, it has greatly increased the utilization rate of funds.

The government's policy support funds hold high-tech achievements, so it may be useful to win such policy support. Once successful, the funding problem will naturally be solved. In addition, the support for agricultural projects in various places is also greater. Especially after canceling the food ordering task, all regions will vigorously develop efficient agriculture. If you intend to go to the countryside to start a business, you can apply for the support of the "Agricultural Development Fund". Some In order to speed up the pace of development in remote rural areas, and to provide developers with free use of land for several years, such as concessions, are all effective ways to save venture capital.

Although laid-off and unemployed people, and even some surplus employees in difficult companies, have high entrepreneurial consciousness, financing difficulties are a common problem that they are facing at the initial stage. Since 2003, the People's Bank of China, together with the Ministry of Finance, the State Economic and Trade Commission, and the Ministry of Labor and Social Security, have launched a "small guarantee loan for laid-off and unemployed people" to provide financial assistance to laid-off workers who are interested in starting their own businesses. Many regions have also established guarantee funds, associations, centers, etc. to provide guarantees for personal business loan financing.

Partnership ventures can not only raise funds effectively, but also give full play to the role of talents, and are conducive to the use and integration of various resources. Particular attention must be paid to the following issues in partnership investment: First, the investment shares must be clarified. Individuals should determine the investment share of each individual when determining the investment partnership operation, and it is not necessary to split the equity. Sharing the investment share is often buried for future contradictions. The bane. Because there is no appropriate amount of shares, the rights and obligations will be equal. As a result, everyone will have the same rights and obligations, and it will be difficult to achieve business intentions. The second is to strengthen information communication. Many people cooperate because their feelings are good. I'm assured of your work, so I trust each other. In the long run, misunderstandings and differences are prone to occur, which is not conducive to the stability of the partnership foundation. The third is to establish a charter in advance. A partnership cannot have a charter of the company because everyone has a good relationship or blood relationship, and no charter is a taboo for cooperation.

Franchise refers to the franchisor's use of its own trademarks, trade names, products, patents, and know-how, business models, etc. in the form of a contract to the franchisee for use. The franchisor's unified business in the franchisor according to the contract. Engage in business activities under the mode and pay corresponding fees to franchisees. At this stage, chain operation has become a marketing model that leads the market trend.

The reason why franchising is used as a means of entrepreneurial financing is that many banks are also actively participating in franchising to provide loans to entrepreneurs. For example, ICBC and Kodak jointly launched a loan for assistance. The loan was provided and Kodak helped him build a color expansion store. And Pudong Development Bank's personal entrepreneurship loan is to support Lianhua Convenience's "invest 70,000 yuan, be a small boss" franchise program. This kind of help loan can achieve the effect of three things: the bank's credit funds can obtain a safer investment channel; the borrower can achieve the purpose of investment and entrepreneurship through the bank loan; the enterprise has achieved the purpose of selling its own products.