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Financing channels for entrepreneurs
First, the financing channels for entrepreneurs.

On the Financing Channels of Entrepreneurs

Entrepreneurship needs funds, and how to get start-up funds is one of the first problems that entrepreneurs need to consider. Most entrepreneurs know very little about financing channels, do not know which channels can be used for financing, or only know the way to find investors for financing. In fact, there are many financing channels and ways, and finding venture capital is just one of them. Let's take a look at the financing channels of entrepreneurs with me, hoping to help!

I. Bank loans

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.

Second, pawn loans.

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.

Third, government guarantees.

The discount on business guarantee loans provided by Shenzhen Municipal Government is a financial credit service for qualified entrepreneurs according to the relevant national employment promotion policies. It is a policy loan set up by governments at all levels, issued by banks and given some preferential support by the financial department to help entrepreneurs get funds quickly.

1, loan object

(1) College students in Shenzhen (full-time junior college degree or above);

(2) Shenhu;

(3) College students within five years of graduation

(4) Returned overseas students within 5 years after graduation;

(5) Compatriots from Hong Kong and Macao;

2. Loan standards and discounts

(1) Amount of secured loan.

The maximum amount for self-employed individuals to apply for business guarantee loans is 200,000 yuan; A partnership enterprise may implement a "bundled" loan with the amount of each partner not exceeding 200,000 yuan and the total amount not exceeding 2 million yuan according to the loan object and conditions.

(2) Loan discount.

The financial discount is implemented by "paying first and posting later", that is, the borrower pays the interest on schedule according to the loan contract from the date of obtaining the loan, and after repaying the principal and interest on schedule, the municipal employment service agency will give the discount after verifying the repayment situation and credit record.

3. Loan conditions

Qualification requirements for discount of Shenzhen venture loan:

1, and must be a shareholder of the startup company;

2. Secondly, shareholders should meet the five groups mentioned above;

3. Credit information cannot be a black household;

4. The debt should not be too high, the debt of a single person should not exceed 50,000, and the debt of both married couples should not exceed 50,000!

5. Within 3 years after the establishment of the company, it must have office space and pay social security normally;

6. There is no abnormality in the company's operation and taxation;

7. Under the age of 55;

8. Advertisements, saunas, Internet cafes, oxygen bars and other industries restricted by the state will not be accepted.

Fourth, partnership shares

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.

Verb (abbreviation for verb) concession

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.

Second, what are the financing channels for college students' entrepreneurs?

There are many financing channels for college entrepreneurs:

Gold;

Step 2 apply to the local bank

3. Find a professional investment and financing institution;

4. Social crowdfunding, etc.

3. What are the financing channels of venture capital?

There are many financing channels for venture enterprises, such as debt financing, equity financing, preferred stock financing and lease financing. Various financing methods have great differences in the distribution of rights and obligations between the two parties, which have great influence on enterprise management.

4. What are the channels and methods of enterprise financing at present?

Relatively feasible financing channels for enterprises:

1. Equity financing includes: Under normal circumstances, you go directly to official website for BP delivery. If there is no reply, it means that your project can't meet the investment standards of their institutions. Participate in offline salon activities, but this is generally easy to contact in economically developed areas. If you don't have access to investors' resources, you can go to some financing platforms that can directly find investors' docking, or you can go to platforms such as "cloud docking" that can directly initiate docking applications to investors.

2. The channels of creditor's rights are: banks can borrow various enterprise credit loans as long as they have good credit, and all kinds of mortgage loans have similar products that can be directly understood in official website, and financial leasing and supply chain finance promoted by third-party financial institutions can be understood.

3. Policy financing: If your top talents are holding high-tech projects, the local government directly rewards these talents and projects, and the amount is not small.