1. I don’t have money, but I want to start a company. Can you tell me what to do?
I have no money either. I only had tens of thousands of dollars when I started my business. But I have enough customers and experience to know that I can succeed, so I have never worried about anything else. Dry. But if you want to start a business, you must first figure out what advantages you have and what difficulties you face. List them clearly one by one. If you find that the difficulties outweigh the advantages, then it may not be the money problem that needs to be solved now, but your own problem. .
In addition, in fact, the reason why many entrepreneurs fail is precisely because they have too much money. Because they have money, they rent high-end office buildings, buy high-end furniture, and hire expensive people. In fact, if they learn to spend their money wisely, they will start a business. Basic skills. Assuming that Jack Ma had not caught up with the Internet bubble when he received the initial investment, and had to tighten his belt and withdraw from overseas companies to take root in Hangzhou, there may not be the current Alibaba.
2. I want to start a business, but what should I do if I don’t have funds?
25 Principles of Entrepreneurship There is still a chance to make a lot of money. Choose to be the boss. 1. First, choose to be the person you truly feel. Things you are interested in: 2. Being a boss and working for others will definitely not make you a rich man. 3. Providing an effective service or an actual product. The chance of becoming a millionaire by writing and painting can be said to be infinitely small. However, in the marketing and real estate industries, , the manufacturing industry has a greater chance of making a fortune. 4. If you want to insist on using your own inspiration to start a business, it is best to choose the entertainment industry. 5 Whether you are an actor or a businessman, you should try to increase your "audience" as much as possible. People who sing in small cafes will definitely not make as much money as those who record records for big record companies. Local merchants do not make more money than national merchants. 6. Find a need and then satisfy it. Society is becoming more and more complex, and people are demanding more and more products and services. Those who discover these needs first and satisfy them will also be the first to become rich. 7 Dare to adopt new products and methods, which will bring new wealth. 8. If you have professional education or a special talent, make full use of it. 9. Doing research before doing anything can save a lot of time and money. 10Instead of always thinking about getting rich, imagine how to improve your career. If your career goes smoothly, wealth will follow. 11. If possible, start a home business, which will reduce expenses and be easier to control. 12 Reduce expenses as much as possible, but do not sacrifice your quality, otherwise you will be chronic. The chances of making big money are slim. 13. Maintain friendships with friends in the same industry. They may be very helpful to you. 14. Spend as much time as possible on your career. You must first sacrifice some family and entertainment until your career is established. 15 Dare to make up your own mind. 16 Dare to tell the truth, beating around the bush will only waste time. 17 You must dare to admit your mistakes. Making mistakes is not a sin, but not correcting them is a sin. 18 Don’t stop moving forward just because of failure. Failure is inevitable and valuable. You can learn the correct method from it. 19. Once you find that a certain method is not working, give it up immediately. 20 Don’t take risks you can’t afford. 21. Invest continuously and don’t let your profits sit idle. 22Hire a good lawyer, he will save you more money and time. 23Hire a smart accountant. 24. Ask an expert to file your taxes. A skilled tax expert can help you avoid a lot of taxes. 25 Maintaining a healthy mind means peace of mind, otherwise it will be useless to have more money.
3. What to do if you want to start a business but have no money
What to do if you want to start a business but have no money
>Introduction is suffering from lack of funds. So what should we do at this time? Below is what I have compiled for you, what to do if you want to start a business but have no money, I hope it will be helpful to you!
At present, domestic entrepreneurs have fewer financing channels than institutions. In fact, entrepreneurial financing requires a multi-pronged approach. Don’t just settle on one, the more the better.
Channel 1: Bank loans Bank loans are known as the "reservoir" for entrepreneurial financing. Since banks have strong financial resources and most of them have government backgrounds, based on the current situation of entrepreneurs, bank loans include the following 4 types:
1. Mortgage loan refers to a loan method in which the borrower provides a certain amount of property to the bank as collateral for credit.
2. Credit loan refers to a loan issued by a bank based only on its trust in the borrower's credit standing. The borrower does not need to provide collateral to the bank.
3. Guaranteed loans refer to loans issued with the credit of the guarantor as a guarantee.
4. Discount loan refers to a loan method in which the borrower applies for discount from the bank with unexpired bills to provide funds when the borrower is in urgent need of funds.
Entrepreneurs are reminded to be prepared for a "protracted battle" from the time they apply for a bank loan, because applying for a loan is not just a matter of dealing with the bank's management department, tax department, intermediary agencies, etc. There can be no problems in any link.
Channel 2: Venture capital In the eyes of many people, venture capitalists have a magical "money bag" in their hands, and from that "money bag" the entrepreneur sits on Aladdin's wheel. The "God Carpet" soared into the sky. But venture capital is a way for investors to enter entrepreneurial enterprises in the form of equity participation. In order to reduce risks, they will withdraw from the investment after achieving the purpose of adding value, and they will not be tied to the entrepreneurial enterprises forever. Moreover, venture capital prefers high-tech startups.
Remind venture capitalists that although they care about the technology in the hands of entrepreneurs, they are more concerned about the profit model of entrepreneurial companies and the idle people. "It is difficult to win the favor of venture capitalists. Only people like Zhang Chaoyang, Shao Yibo, and Liang Jianzhang" Only with entrepreneurial "heroes" can we have the opportunity to approach that channel 3: With the encouragement and guidance of private investment by our government and the marketization of the national economy, private capital has gained more and more room for development. At present, private investment in our country is no longer limited to the traditional manufacturing and service industries, but has "fully blossomed" in the fields of infrastructure, science, education, culture and health, finance and insurance. For entrepreneurs who are worried about "finding money", This is undoubtedly "good news". Moreover, private capital is simple, financing is fast, and the threshold is low.
Remind me that many private investors always want to hold a controlling stake when investing, so it is easy to have conflicts with entrepreneurs. Conflict. To avoid conflicts, both parties should put all issues on the table and express them clearly in writing. In addition, for entrepreneurs, conducting research on private capital is a "compulsory course" before financing. .
Channel 4: Entrepreneurship Financing Bao Entrepreneurship Financing Bao refers to the form of pledging (mortgaging) the entrepreneur’s own legal property or the legal property of others as permitted by relevant laws and regulations, thereby providing him with Start-up capital, working capital and operating capital are urgently needed for starting a business. This financing project is mainly aimed at "4050 people" and young social groups who want to start their own businesses. The procedures for applying for the Entrepreneurship Financing Treasure are relatively simple. Entrepreneurs can apply for loans as long as they have assets. , the loan term is up to half a year, and the items that can be used as collateral are very wide, including real estate, bulk materials, securities, and aircraft.
Reminder that the financing "strength" of Entrepreneurship Financing Bao is not very strong. , therefore, solving the problem of entrepreneurial capital generally requires several rounds of financing before it can be achieved. One-time financing cannot be perfect, and don’t think that there is too little capital. The key is to solve the problem of survival first, and then seek development
Channel 5. :Financial leaseFinancial lease is a kind of financing that is directly regarded as a loan, but in essence it is borrowed capital, which is repaid in installments in the form of rent. This financing method has the following advantages: it does not occupy the bank credit line of the entrepreneurial enterprise, and the entrepreneur pays the first payment. After a payment of rent, a large amount of investment is made in purchasing equipment.
Reminder that financing leasing is more suitable for start-ups that need to purchase large equipment, but when choosing, you should choose those with strong strength and ability. Leasing companies with high credibility, and the more flexible the leasing form, the better.
Convince investors
To obtain a considerable amount of capital now, it is an emerging financing direction.
A rational investor, especially a venture capitalist, will focus on examining an entrepreneur’s business capabilities and business potential, including character strengths (such as confidence, Maturity, organization, pragmatism, sense of responsibility, business experience, etc.) and potential, project returns, etc.) The best way to examine character strengths and project strengths is when presenting the business plan at the project briefing meeting. Therefore, learning to write a business plan is of great significance to whether an entrepreneur can successfully raise funds. This not only helps entrepreneurs control risks, but also helps entrepreneurs improve their financing success rate.
When writing a business plan, entrepreneurs need to pay attention to the following principles:
1. Get straight to the point and impress people.
Go straight to the point, describe your ideas in real and concise language, don’t waste time talking about content that has nothing to do with the topic, and show the inciting power of your language to show your leadership. Talent.
2. Pay attention to details, be confident and sincere.
Collect as much information as possible, analyze and summarize market prospects, competitive advantages, return analysis, etc. from multiple angles, and have sufficient understanding and prediction of possible difficulties or problems. At the same time, we prepare advance purchase agreements for multiple customers to help investors strengthen their understanding of project feasibility.
3. The context is clear and organized.
As much as possible, design the business plan based on how to achieve business cycle and profitability. This will make your organization clearer. Investors will often ask you questions before or after the business plan, or even new questions that you have not thought of, when you are halfway through the business plan. If you don’t have a mature thinking context, you may be speechless. ;
4. What to do if you want to start a business but have no money
What to do if you want to start a business but have no money
Introduction: Many people want to start a business, but they suffer from lack of funds. So what should we do at this time? Below is what I have compiled for you, what to do if you want to start a business but have no money, I hope it will be helpful to you!
Financing Channels
At present, the financing channels for domestic entrepreneurs are relatively single, mainly relying on banks and other financial institutions. In fact, entrepreneurial financing requires a multi-pronged approach. Don’t be fooled. Die on a tree, the more the better.
Channel 1: Bank loans Bank loans are known as the "reservoir" for entrepreneurial financing. Because banks have strong financial resources and most of them have government backgrounds, they have a "mass base" among entrepreneurs. Judging from the current situation, there are four types of bank loans:
1. Mortgage loan refers to a loan method in which the borrower provides a certain amount of property to the bank as collateral for credit.
2. Credit loan refers to a loan issued by a bank based only on its trust in the borrower's credit standing. The borrower does not need to provide collateral to the bank.
3. Guaranteed loans refer to loans issued with the credit of the guarantor as a guarantee.
4. Discount loan refers to a loan method in which the borrower applies for discount from the bank with unexpired bills to provide funds when the borrower is in urgent need of funds.
Entrepreneurs are reminded to be prepared for a "protracted battle" from the time they apply for a bank loan, because applying for a loan does not involve dealing with a bank alone, but requires going through the industrial and commercial administration department, tax department, and intermediary agencies. Wait for one "threshold" after another. Moreover, the procedures are cumbersome and there can be no problems in any link.
Channel 2: Venture Capital In the eyes of many people, venture capitalists have a magical "money bag" in their hands, and the money that falls from that "money bag" can make entrepreneurs sit on it. Latin's "god carpet" soars into the sky. However, venture capital is a high-risk, high-return investment. Venture capitalists enter entrepreneurial enterprises in the form of equity participation. In order to reduce risks, they will exit the investment after achieving the purpose of adding value, and will not be tied to the entrepreneurial enterprise forever. Moreover, venture capital prefers high-tech startups.
Remind venture capitalists that although they care about the technology in the hands of entrepreneurs, they are more concerned about the profit model of entrepreneurial companies and the entrepreneurs themselves. Therefore, it is difficult for "ordinary people" to win the favor of venture capitalists. Only entrepreneurial "heroes" like Zhang Chaoyang, Shao Yibo, and Liang Jianzhang have the opportunity to approach those glittering "money bags."
Channel 3: Private Capital With the encouragement and guidance of private investment by the Chinese government and the improvement of marketization of the national economy, private capital is gaining more and more room for development. At present, private investment in my country It is no longer limited to the traditional manufacturing and service industries, but has "fully blossomed" in the fields of infrastructure, science, education, culture and health, finance and insurance. This is undoubtedly a "good thing" for entrepreneurs who are worried about "finding money". information". Moreover, the investment operation procedures of private capital are relatively simple, the financing speed is fast, and the threshold is low.
I would like to remind you that many private investors always want to hold a controlling stake when investing, so they are prone to conflicts with entrepreneurs. To avoid conflicts, both parties should put all issues on the table and express them clearly in writing. In addition, for entrepreneurs, conducting research on private capital is a "required course" before financing.
Channel 4: Entrepreneurship Financing Bao Entrepreneurship Financing Bao refers to the form of pledging (mortgage) the entrepreneur's own legal property or the legal property of others with the permission of relevant laws and regulations, thereby providing him with the opportunity to start a business. Urgently needed start-up capital, working capital and operating capital. This financing project is mainly targeted at "4050 people" and young social groups who want to start their own businesses.
The procedures for applying for a startup financing treasure are relatively simple. Entrepreneurs can apply for a loan as long as they have assets. The loan period is up to six months. The items that can be used as collateral are very wide, such as real estate, bulk materials, securities, motor vehicles, luxury watches, etc. Anything worth more than 300 yuan is acceptable.
Reminder that the financing "strength" of the Entrepreneurship Financing Bao is not very strong. Therefore, solving the problem of entrepreneurial funds generally requires several rounds of financing. For entrepreneurs, you cannot ask for perfection when financing for the first time, and do not think that the funds are too small. The key is to solve the survival problem first, and then seek development
Channel 5: Financial leasing Financial leasing is a kind of A credit method with a direct purpose of financing. On the surface, it is a loan, but in fact it is a loan, which is repaid in installments in the form of rent. This financing method has the following advantages: it does not occupy the bank credit line of the entrepreneurial enterprise. The entrepreneur can use the equipment after paying the first rent without having to invest heavily in purchasing equipment. In this way, the funds can be transferred to the places where the money is most urgently needed. .
Reminder that financial leasing is a financing method that is more suitable for start-ups that need to purchase large equipment. However, when choosing, you should choose leasing companies with strong strength and high creditworthiness, and the more flexible the leasing form, the better. .
Convince investors
Today, to obtain a considerable amount of capital, you must find investors. This is the current emerging financing direction and the future development trend.
A rational investor, especially a venture capitalist, will focus on examining an entrepreneur’s business capabilities and business potential, including character strengths (such as confidence, maturity, and organization). Rationality, pragmatism, responsibility, business experience, etc.) and project advantages (project prospects, project competitive advantages, project returns, etc.). The best way to examine character strengths and project strengths is when presenting the business plan at the project briefing meeting. Therefore, learning to write a business plan is of great significance to whether an entrepreneur can successfully raise funds. This not only helps entrepreneurs control risks, but also helps entrepreneurs improve their financing success rate.
When writing a business plan, entrepreneurs need to pay attention to the following principles:
1. Get straight to the point and impress people.
Go straight to the point, describe your ideas in real and concise language, don’t waste time talking about content that is irrelevant to the topic, and show the inciting power of your language to show your leadership. Talent.
2. Pay attention to details, be confident and sincere.
Collect as much information as possible, analyze and summarize market prospects, competitive advantages, return analysis, etc. from multiple angles, and have sufficient understanding and prediction of possible difficulties or problems. At the same time, we prepare advance purchase agreements for multiple customers to help investors strengthen their understanding of project feasibility.
3. The context is clear and organized.
As much as possible, design the business plan based on how to achieve business cycle and profitability. This will make your organization clearer. Investors will often ask you questions before or after the business plan, or even new questions that you have not thought of, when you are halfway through the business plan. If you don’t have a mature thinking context, you may be speechless.