Investments in starting a business. Investing in business - advantages, disadvantages, types, main investment options

This section reflects requests from potential investors considering the opportunity participation in an investment project on the territory of the Moscow region.

You can do searching for investment projects by placing a corresponding request in free form in our investment projects database.

Entrepreneurs who are ready to offer their investment project for consideration will be able to find your request using keywords.

You can also familiarize yourself with those already proposed for implementation investment projects in the Moscow region, going to the section “I offer an investment project”.

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For a business that has existed for more than 2 years and has a stable turnover, we offer loans from private investors through investment platforms. Loan terms are up to 12 months, the approximate rate, taking into account platform commissions, is 32-35% per year. The loan amount is comparable to the monthly turnover (up to 10 million rubles); if equipment is pledged, the amount can be increased. For medium-sized businesses, unsecured loans can be issued through factoring, overdraft, bond loans (the amounts are limited only by the financial capabilities of your company). We work throughout Russia, except the Caucasus, Crimea and the Far East.

Large-scale modernization of production, development of the agro-industrial complex (pig farms, poultry farms, cattle complexes, recirculation systems), obtain the latest equipment and technologies of the 21st century, expand capacity, purchase equipment, build multi-storey buildings, new workshops or entire turnkey plants (from 5 million euros ).

The investment project itself can be considered as the main collateral for the loan.

We work in Russia and the CIS (except Ukraine).

Investments and loans in real sector projects

We are considering projects from the real sector: manufacturing, energy, agriculture, construction of transport and logistics complexes and others.

Mostly projects from 0.1 to 1.5 billion rubles are interesting. We can consider larger ones.

The project's profitability is from 20% per annum in rubles and above.

We provide assistance in attracting financing for business projects in the field of oil refining.
Funding volume from $100M - $20B+
Duration of the investment project: 5-15 years, depending on the investment program.
Return level >25% (IRR).
For the purposes of purity and openness of business, projects accepted for consideration of financing issues are preferably existing businesses, at least three years on the market, without mixing investments of several financial institutions. We also take on the functions of Project consulting & Credit broker & Financial provider. Financing of Start-Up projects is possible.

We invite initiators of large investment projects (manufacturing, high technology, pharmaceuticals, ecology, energy...) based on existing enterprises that need their financing, to strategic cooperation!
Loans up to 10 years from one of the largest Russian banks.
To start interacting:
-financial model, business plan. It is advisable to have outside income to repay the loan (not necessary. Each project is individual, there are no special conditions)

We are also ready to organize lending secured by commercial properties with an operating rental business
The bank analyzes the financial flows generated by commercial real estate. 30-40% discount on deposit.
Loan terms are up to 10 years. Rate 11-12.5% ​​(currently)

Amounts from 300,000,000 rubles are considered

Terms of cooperation in personal correspondence with interested parties.

Please first send your requests by email: [email protected]

Projects in any area of ​​activity are accepted for consideration, incl. financing long-term commercial transactions.
Loan for a period of 5-10 years, at 4% per annum, moratorium on interest and loan payments for 12-24 months
The organizational period is 2-3 months, we provide consulting support on a paid basis.
Details when contacting the client.

Our company "Capital Plus" offers direct investments and preferential loans for business.
Among our partners are leading Russian and foreign investment companies, AAA-rated funds.

Basic financing conditions:
Projects from the real sector of the economy are being considered.
Security - the investor's entry into share capital for a period of 3 to 5 years. Exit from projects is carried out by selling a share to a strategic partner (initiator) or through an IPO.
Having a profitable and financially stable business with growth potential, a strong management team, and a transparent ownership structure. The company is at the "Development" or "Expansion" stage. The minimum transaction amount is 300 million rubles.

For start-ups and enterprises with low turnover, investment loans are possible, subject to the participation of the initiator or his financial partner in the project, with his own funds in the amount of at least 20% of the project cost.
The loan term is up to 10 years or more, the moratorium on loan payments is 1-1.5 years. The minimum amount is 100 million rubles. Any industries and segments are considered.
We also provide preferential leasing financing. As part of government subsidies - significant discounts on advance payment + manufacturer's discount.

For small businesses and individuals, we offer loans secured by any real estate (residential and commercial), as well as vehicles, special equipment, including secured by purchased real estate and equipment. The loan amount is from 2 to 30 million rubles.

1. Investments from 1 million to 50 million;
2. Rate from 25%;
3. Deposit - 80% (flexible clause - depends on the project);
4. Loan term – up to 12 months.
Thus, we finance existing businesses that need money to expand and fulfill government requirements. contracts, closing the cash gap. The principal and interest on the loan are repaid at the end of the term. 50% of the check is financed from the money of the IDEA+ fund, the remaining 50% is raised from private investors on the RIClub platform.
Website: http://riclub.ru/
We are on social media networks and messengers:
Instagram: https://www.instagram.com/russianinvestorsclub/
Facebook: https://www.facebook.com/RuInvestClub/
Telegram: https://t.me/RIClub

Investments And Loans Offer 3% Per Year.
We offer online Investments and Loans for individuals and companies needing from 20,000 euros to 200 million euros at a low interest rate of 3% per year.
We invite you to submit your application to: [email protected].
You'll get:
Personal loan.
Company credit.
Commodity credit.
Housing loan.
Possibility of deferring the first payment for up to 12 months. Contact us for this fast and easy online loan offer without collateral.
(all regions) Contact:
Email: [email protected].
SKYPE: vtb.eurocredit.

Good afternoon, dear readers of the financial magazine “site”! Continuing the topic of investing, we will consider the issues of finding investments for a business, namely where and how to find an investor to start a business from scratch, what to do to get him to agree to finance a business project, and so on.

In this article we will cover:

• Why investors are needed and how to properly attract them to start a business;
• What steps should you take to find an investor from scratch;
• What rules should be followed when searching for an investor;
• Who can you turn to for help in finding investors?

You will also find answers to frequently asked questions at the end of the post.

The article will be useful to absolutely everyone: as aspiring businessmen, and for those who already have some experience in developing your own business. The article will also appeal to those interested in the theory of finance and investment.

To find useful information about attracting investors, read our article to the end.

Where and how to find an investor to start a business, what to look for when looking for investors for a small business from scratch - you will learn about all this and more later in the article

Regardless of the type of activity, a business needs cash. If you don't raise capital, even the best project develops will not . This threatens that the business will die at the planning stage.

It should be understood that for the successful development of entrepreneurship it is important not to miss the moment. Therefore, businessmen, as a rule, do not have the opportunity to save money. There is a great risk that while it is possible to collect the required amount, the moment will be missed, and the proposed market will be attacked by faster and more enterprising competitors.

At the same time, novice businessmen should not be embarrassed by the fact that their capital is insufficient. Even successful large companies, when they just started their activities, used borrowed funds.

Young companies with prospects for successful development most often feel a lack of funds. At the same time, they have a huge number of ideas that require implementation." Here and now ».

To date Finding investors has become much easier: created for this purpose a huge number of funds and companies who agree to transfer their funds to start-up businessmen.

But it should be understood that not everyone can receive funds from the funds. First of all, a businessman will need to convince investors to invest in his project. To do this, you will need not only to draw up a business plan, but also to prove that a particular business project is more interesting than that of competitors and also has better prospects.

Most professional investors have extensive investment experience. Therefore, they easily determine those projects in which it is best to invest in order to obtain maximum profit.

Businessmen must remember that how funds, so private investors do not give money to charity. They expect from the projects they invest in maximum and fastest return.

Thus, any sources of investment funds, be it banks, funds or other companies do not issue funds without the necessary confirmation. You can, of course, try to get a grant. However, the companies that issue them approach the selection of applicants even more strictly.

What to look for when attracting investors

2. How to attract investors - necessary conditions 📋

The goal of any investor is to increase the funds he has. Most of them know that income on bank deposits barely covers the rate of inflation. Therefore, such investments investors completely not satisfied .

Investors are striving for a level of income that will not only offset price increases, but also ensure a comfortable life.

All this explains why those who have significant amounts of money are looking for such companies in order to invest in them funds that will be able to provide them with sufficient income.

Beginning businessmen, when starting to search for a potential investor, should perceive him not as a creditor, but as a partner. It turns out that the businessman invests an idea into the project, and the investor invests his own money. Therefore, such a deal should be beneficial for both parties.

Most professionals agree that search for investors– the task is not that difficult. The main thing here is to be smart present your idea. You will also need to convince the owner of the funds that investing in the project will be quite promising and will bring significant income.

When telling an investor about a project, you should cover the following topics as fully as possible:

• uniqueness and demand for the product/service offered for production;
• the size of the required investments;
• in what timeframe it is planned to recoup the investment;
• expected level of profit;
• What is the return on investment guarantee?

If a businessman correctly characterizes each of these issues, the chances of convincing the investor that the project can really bring good profits are will increase significantly. As a result, the investor will decide to allocate funds for it.

3. How to find an investor from scratch - a step-by-step guide to finding an investor for a business 📝

When looking for an investor, it is important to act consistently in accordance with the recommendations developed by professionals. Thus You will be able to achieve success in finding investors faster.

In the process of searching for investment sources, it is important to take into account the interests of the owner of the funds. It is important to understand that investors are guided by their own commercial interests when making investments.

Potential investors not interested , how innovative the activity will be, and whether it will bring profit to the business owner. They are concerned about the increase, as well as the safety of their capital.

For some investors not important business ideas, as they are looking for passive income, tired of actively developing a business. They have already managed to earn initial capital by working hard. Now the only desire of such investors is for the available funds to make a profit, and at the same time they would not have to do anything.

At the same time, they are looking for investment options that will bring greater income than traditional investments - , mutual funds and similar financial instruments.

Step-by-step instructions on where and how to look for an investor to start a business

Therefore, when looking for an investor, it is important to convince him that they can get such an income. It is of great importance to follow the step-by-step instructions, which we will describe below. This will help increase the chances of quickly and efficiently finding the necessary funds.

Step #1. Drawing up a business plan

First of all, when choosing an investment property, investors pay attention to the business plan. It must be properly executed, otherwise the likelihood of receiving funds may disappear.

A properly drawn up business plan must contain the following information:

• project description;
• calculation of the required amount of money;
• analysis of the commercial benefits that the investor will receive;
• the payback period of the project, that is, after what period of time the first income will be received;
• what are the prospects for further development of the organization.

Everything should inspire confidence– from the quality of the paper on which the document is printed and the folder in which it is placed, to the use of professional graphic editors when preparing the necessary diagrams.

We wrote in more detail in a separate publication.

Step #2. Choosing a suitable form of cooperation

Cooperation between a business owner and an investor can take various forms. It is important to analyze in advance which of them may be most effective for a company seeking funds.

Investors agree to provide funds, receiving income in the following ways:

1. as a percentage of the invested amount;
2. as a percentage of profit during the entire duration of the project;
3. as a share in the business.

The business owner, having decided which option is more acceptable to him, must indicate it in the business plan. However, it is often difficult for a new businessman to find the necessary funds.

Therefore, if a potential investor categorically disagrees with the chosen model, wanting to use another option for cooperation, it should be assessed. Often It’s better to agree to the investor’s terms than being left without money.

Step #3. Enlist the help of experienced businessmen

Aspiring entrepreneurs can be sure: no one will understand them better than experienced businessmen who have been working successfully in the same field for a long time. Many of them willingly advise newcomers on how to proceed. This is especially true in cases where when mutually beneficial cooperation is possible between them in the future.

Often, experienced businessmen take newcomers under their wing: they can invest money in their ideas or recommend the project for investment to other investors. Even if this does not happen, it is quite possible that professionals will give advice and recommendations that will help in the future.

Step #4. Negotiation

Often a positive decision from investors to invest in a project determined by competent negotiations . Even those who easily get along with people should carefully prepare for the meeting.

It will be necessary not only to convince a potential investor of the prospects of the project, but also to answer all the questions he has. Therefore, it is advisable to think in advance about what a businessman might be asked and prepare reasonable answers.

From the first meeting, investors usually expect a competent presentation of the project, as well as a business plan.

It would be useful for a businessman to invite a specialist who participated in the development of the project to negotiations. It is quite possible that he will explain all the nuances of the project much more competently, as well as answer any questions that arise.

Step #5. Conclusion of an agreement

The final stage of negotiations, if an agreement is reached, is signing a cooperation or investment agreement. It is important to carefully study absolutely all the terms of the drawn up contract; it would be useful to involve a professional lawyer in this process.

It is important to ensure that the agreement stipulates:

• duration of cooperation;
• investment amount;
• rights, as well as obligations that are assigned to the parties.

In accordance with the agreement, funds are transferred to the businessman under certain conditions. Their essence is that money must be invested specifically in the implementation of the project .

It is important for the investor that the signed agreement excludes the possibility of using funds beyond the intended purpose, even part of the invested money should not go to needs not related to the implementation of the project.

Conclusion of an investment agreement - sample

An example of an investment agreement can be downloaded from the link below:

(example, sample)

Thus, it is important to maintain a certain consistency in attracting investor funds. A businessman should follow the step-by-step instructions described above. Then raising funds will be as effective as possible.

The main ways and where you can find investors

4. Where to find an investor - 6 options for attracting investment 🔎💸

We have already written about how important it is to draw up a competent business plan at the first stage of searching for an investor. However, not all businessmen know where to next look for someone who will agree to provide funds for the implementation of their project.

However, there are several options, and each of them deserves close attention from a businessman.

Option 1. Close people

Finding investors to finance a business – not an easy task. Therefore, it is advisable to involve as many relatives and friends as possible in this process. This option is ideal for those who are just starting their own business and have neither experience nor popularity. Moreover, loans from relatives and friends are less risky.

If the project does not require large initial investments, it can be offered to be financed by close people for a small percentage, which will be paid when the business becomes profitable.

Option 2. Businessmen

In all cities (especially large ones) there are a large number of businessmen who have already earned capital. Now they want to receive passive income by investing money in some profitable business.

It makes sense to turn to such businessmen to receive funds to develop their own business.

Most often, merchants issue money according to one of 2 (two) schemes:

• in the form of a loan with payment of interest;
• as a share in a new business project.

It should be understood that the second method leads to a significant restriction of the freedom of decision-making of a novice businessman. Therefore, you should think several times before choosing this option.

Option 3. Funds

Another way to find investors for a business is special funds - investment And assistance to small businesses. However, obtaining funds from such companies can be difficult.

You will have to prove that the new business project is viable enough. It should also be taken into account that a newcomer to the field of entrepreneurship must have his own funds, which he wants to invest in the project along with those attracted. Therefore, funds are more suitable for those who already have an existing business.

So that the decision to invest funds is positive , you will need to analyze the current activities of the company, as well as formulate a plan for its further development.

Those looking for an investor should also look into the activities of government funds. They often provide funds to the most promising business projects, organizing competitions for this purpose.

Option 4. Venture investment

This option is quite widespread in some developed countries. If you want to attract money to a business with the help of venture investment, you should keep in mind that such funds invest only in risky projects with great prospects.

In this case, business projects are most often financed innovation sphere , Sciences , and IT technologies .

Less often, but still, venture funds are invested in trade, as well as the service sector.

We wrote in detail about venture investments, in particular what they exist and what they do, in a separate article.

When investing in a business, venture funds want to receive regular income. For this purpose, they take over a share of the business. Moreover, they own part of the company for only a few years, after which they sell it to third parties.

Option 5. Business incubators

A business incubator is a special platform created for the purpose of implementing various business projects. To receive investment funds through an incubator, it is important to draw up a competent business plan.

In addition, you will need to win a competition or successfully pass a special interview.

Option 6. Banks

If you can’t find an investor, you can try to apply for a bank account. However, getting a large enough amount is often difficult. Therefore, this method of searching for an investor is suitable when when you need a small investment.

Credit institutions demand enough from potential borrowers high requirements. To receive money, you may need to provide property as collateral, guarantors, and collect a large list of various documents.

If a loan applicant cannot fulfill at least one requirement of the credit institution, he will not be able to receive a loan.

Thus, searching for an investor for business– it’s not an easy and rather lengthy matter. Therefore, a businessman will need a lot of patience. It is important to evaluate all possible options and analyze emerging risks. Then you can be sure that your search will be crowned with success.

There is an article on our website in which we talked about where and how to properly draw up a promissory note - we recommend reading it.

Basic rules for finding investors and their investments

5. 5 important rules for finding investors 📌

Every day a huge number of different business projects appear that require investment of funds. The owner of an idea does not always have the necessary capital. However, most ideas require quick start and development. In this regard, huge a number of businessmen are looking for an investor to implement the project.

Often this process is delayed, and often completely ends in failure. To increase your chances of success, it is important to follow 5 (five) basic rules. They allow businessmen to be more confident in finding an investor, as well as approach the selection process wisely.

Rule #1. The search should begin as early as possible

Every businessman must understand that searching for an investor is a long process. A lot of time passes from the moment they start until the funds are received.

That's why start You should look for an investor as early as possible. Ideally, this should be done when future activities have been planned, and it has also become clear how best to present the benefits of the project to potential investors.

It's important to understand that the risk of the investor is higher than that of the project owner. It is the one who invests money in business who risks his capital, loss of time and reputation.

Therefore, he has the right to suspend investment of funds or even negotiations if he decides that the risk level is too high for him.

Moreover, investors usually carefully study the company in which they plan to invest money. They analyze the history of the company, its successes and failures, and prospects for further development. All this leads to the fact that it is better to start looking for an investor in the early stages.

Own funds invested in a business usually run out very quickly. As a result, a sharp rise at the beginning of the project may give way to a fall even before the start of investment receipts, and this situation may alienate most investors.

Rule #2. It is important to collect as much information as possible about a potential investor

When looking for an investor, it is not the best decision to cooperate with the first one who offers his capital. It is necessary to collect as much information as possible about the prospective investor.

In this case, you should find out:

• what areas does it usually invest in;
• possible volumes of invested funds;
• investor preferences regarding the method and principles of cooperation.

All collected data should be compared with the desires of the businessman himself. You should cooperate with the best investor. This means the most optimal, not the largest and most popular.

It's important to understand that any interaction with an investor should take place in the form of mutually beneficial cooperation.

At the same time, both the businessman and the investor themselves must imagine what stage of interaction they are at, as well as what will happen next.

A good investor, if he knows why, will provide significant assistance in the development of the project. A bad one will ruin even a great idea.

When assessing the investment amount, worth understanding, which, if necessary, 50-100 thousand dollars there is no point in turning to someone who traditionally invests millions. The same can be said in the opposite case: there is no point in going for big investments to someone who simply doesn’t have them.

A large amount of collected information can make it easier for a businessman to participate in the negotiation process with an investor. You can think through a rough plan of negotiations in advance, and also decide what questions you can ask the investor.

Moreover, if there is sufficient information can be predicted, what questions the owner of the funds will ask the businessman, and decide how to answer them. Information about an investor's previous investments can be very helpful during negotiations.

Even before meeting with an investor, a businessman must decide how he will behave during the negotiation process. The investor must believe that a businessman needs not just money, but mutually beneficial cooperation.

If high-quality contact is established between the parties, you can be sure that the interaction will be beneficial for both parties.

There are many examples in history that with good relationships between businessman and investor even if there were errors and small failures, they were still provided. Ultimately, success was achieved in the activity.

Rule #3. The amount of investment must be carefully planned

A businessman must remember that the investment amount must be indicated specifically in numbers, not a range. An investor will almost certainly refuse to invest if he is asked for an amount from 100 to 200 thousand dollars.

In this case, the owner of the funds may have a huge number of questions, which will almost certainly lead the negotiations to a dead end.

A businessman must tell the investor a specific amount , which should be reasonable. The size of the investment must take into account all possible scenarios that could cause the range to arise.

Rule #4. Focus on goals

When developing company development goals for which you need to raise funds, do not use them too much globalize.

Ideas that are too large, as well as the desire to cover a large number of issues, usually cause investors to doubt that it is possible to successfully implement them.

Therefore, the goals that a businessman sets must be as specific as possible . They must be limited by capabilities as well as needs. A businessman’s goals should be specified even before he finds an investor.

Even in cases where in the future it is planned to develop the project to a global scale, you should not immediately describe this idea globally. Such interpretations usually repel investors.

Those who have experience in investing, as well as developing business projects, agree with the opinion that with globalization, forces and resources are dispersed, but proper efficiency is not achieved.

Therefore, an investor should be sought under solving specific problems And business issues.

Rule #5. You should be as honest and open as possible

In the process of negotiating, and subsequently when drawing up reports, a businessman should not lie And keep back.

In the process of conducting business, it is quite normal to deviate from the original plan, but such facts cannot be hidden from the investor . He has the right to be aware of the current situation.

At the same time, it is important to explain to the investor the reasons for the deviation from the plan, what this may lead to, and how it is planned to proceed further.

Compliance with all the above rules increases the chances that a good investor will be found. And this is precisely the key to a successful start of any activity.

6. Providing professional assistance in finding investors 📎

Those who are unable to find an investor for their business on their own can turn to professional help.

There are special platforms on the Internet that help not only those who want to invest, but also those who are looking for capital to develop their activities.

The most famous Russian-language sites are 2 (two) sites:

1) EASTWESTGROUP

The resource's specialization is search for investments for investments both in operating and mothballed businesses. To use the services, just register and then contact those who provide the funds. The resource allows you to save not only time, but also energy.

Company specialists conduct business analysis, after which its strengths are determined. This is done absolutely free and helps attract investors. The resource has been investing for more than ten years.

By registering on the site, a businessman gets in touch with several dozen investors at once. This significantly increases the chances of receiving funds. The cost of the investor search service is calculated individually for each user. However, you do not need to pay anything until you receive the funds.

Using the site's services is very simple. Just go through a few steps:

• submit your application;
• get a free consultation from a company employee;
• sign an agreement with the company on the provision of intermediary services;
• the resource itself conducts negotiations with the investor;
• businessman enters into a mutually beneficial deal with an investor.

2) Start2Up

This resource is a kind of bulletin board on which they post investor proposals, entrepreneurs, startupers looking for business partners.

Thanks to the site, those who have funds can find where to invest them. At the same time, budding businessmen have the opportunity to enter into an agreement with investors who are ready to support their project.

All advertisements posted on the site are divided into groups depending on the region, as well as the field of activity.

The most popular business areas here are:

• Internet;
• IT technologies;
• education;
• art as well as culture;
• the science;
• real estate.

There are also other promising areas of activity.

The site's users include hundreds of businessmen and investors. These are people not only from Russia, but also from Belarus, as well as a number of European countries. Therefore, the chances of those who register on the site to find an investor increase significantly.

The site contains several hundred offers buy out a startup, invest funds in different areas of business, and improve existing production facilities.

In addition, with the help of the project it is possible to purchase or sell the property of ready-made companies. You can follow the news of the portal using the Facebook group.

Thus, those who find it difficult to find an investor for their project can turn to popular Internet resources for help.

Don’t forget about the site’s crowdfunding as well. Thanks to (a type of crowdfunding), it is also possible to attract capital from interested platform participants for a share in a startup.

7. Answers to frequently asked questions 📑

The topic of finding investors is quite complex. Therefore, businessmen have a huge number of questions in this regard. The publication would not be complete if we did not answer the most frequently encountered questions.

Question 1. Where can I get money for my business?

Finding money to grow a business can be a daunting task for any aspiring entrepreneur. This especially concerns the formation and further startup development. Develop any business project without raising funds practically impossible. We wrote about what stages it should go through, how to attract money, etc., in a separate article.

Every aspiring entrepreneur is looking for his own options for finding an investor. That’s why it’s so important to reconsider how you can find funds.

Method 1. Accumulate

This option is the simplest. Having accumulated money, the entrepreneur will not become financially dependent on other people; he will be able to run the business completely independently, without reporting to anyone and without giving away part of the profit to anyone.

At the same time, to save money, you only need great desire, as well as financial self-discipline. It is enough to optimize your own expenses to start saving money. With due diligence, already for 6 -12 months you can raise a significant amount of money.

This option is suitable for those who know how to save. If you manage to save for a major purchase or vacation, this method of finding funds will probably suit you. Moreover, this option helps you learn an optimal attitude towards money, which will definitely come in handy in the future when implementing a business project.

Method 2. Take out a loan

Those businessmen who have a good understanding of the rules of financial discipline may well take out a bank loan for the development of activities.

The danger of this method is that at the very beginning of business, companies almost always operate on the brink of loss. Therefore, there is a high probability that there will simply be nothing to pay off the loan.

This method is suitable only for those who are confident that the business will become profitable even before the loan payments begin. It is worth understanding that credit institutions startups rarely invest. Much more often they issue loans for the development of an existing business. However, the decision is always made individually.

A businessman should definitely take into account that interest in most cases is at least 15%. In addition, it is important to contact banks with a good reputation.

To simplify the task for businessmen, the table shows the best banks for small and medium-sized businesses.

Method 3. Government subsidies

The state is trying actively support small businesses. Any aspiring entrepreneur can take part in competitions for subsidies.

If you wish, you can contact the Employment Center to receive a self-employment grant. The amount for this program varies by region, but on average it is 90-100 thousand rubles.

In addition, so-called incubators have been created in the country (most often on the basis of the largest higher educational institutions that teach the subject of “economics”).

Such structures are financed from the budget. The goal of such organizations is to create favorable conditions for business development.

Method 4. Close people

This option can be considered a last resort, since doing business with relatives and friends can be very difficult. Nobody likes to just give away their money, so even close people should be interested. You can offer them a share in the business.

There are also advantages to this method of raising funds. Firstly, it is easier to agree with loved ones on the timing of the return of money. Secondly, receiving funds is much faster, since you do not need to collect a large number of documents and also wait for a decision from third parties.

Method 5. Private investors

In some cases, there are simply no other options other than borrowing money from private investors. You can get funds from private investors quite easily quickly and without unnecessary problems.

Most large cities have Internet sites that post relevant advertisements. At the same time, to obtain a loan it is enough confirm your identity and write a receipt. Some private investors require mandatory notarization of this document.

Question 2. Where to start looking for an investor for a small business?

There are several basic steps that will help a novice investor navigate the process of finding an investor.

Step 1: Making a plan

A businessman must develop a high-quality business plan, which he will use as a presentation to people who invest money in the business. It is the plan that will help convince the investor that the businessman’s project is capable of generating significant profits.

Important so that the business plan contains not only a description of the company itself, but also a study of its position in the market, as well as further development prospects.

Step 2. Choose an investment scheme

There are several possible options for raising funds. Investors can buy new equipment, by providing a loan at certain interest rates. Others invest, demanding in exchange for a share in the company .

In any case, a businessman should decide in advance which of the schemes is most suitable for him. It would be useful to indicate this in the business plan itself.

Step 3. Help from professionals

Experienced businessmen can provide valuable advice on both raising funds and running a business.

Step 4. Search for online resources on investing

There are sites on the Internet that allow you to present projects to business angels. After posting information about themselves on such resources, businessmen often note an increase in the number of offers from investors.

Question 3. I am looking for an investor to start a business from scratch/into an existing business. What portals/sites and forums should I look on?

Popular Internet resources (websites, forums, portals) for searching for investors

The development of Internet technologies has made it possible to significantly simplify the procedure for finding investors. There are quite a large number of Internet resources that help in this difficult task.

Here are the most popular ones:

1. Starttrack.ru is a popular investor search portal. There is an opportunity to post information about your business project. If it passes approval, the chances of attracting investors will increase significantly.
2. Ventureclub.ru– a resource that allows you to find fairly large investors.
3. Napartner.ru- is a regular bulletin board on which investors post information about themselves.
4. Mypio.ru– here you can place information about your business project. Advertisements on this portal are viewed daily by a large number of investors.
5. Startuppoint.ru– a project with a huge number of proposals from investors. If today there is no suitable option here, it is quite possible to post information about the project for viewing by potential investors.

Question 4. Where to look for an investor for a startup or how to find an investor to implement an idea?

A businessman must remember that the most suitable place to look for an investor is where the maximum number of them gathers. It can be various exhibitions, and presentation events. As part of such events, round tables of money owners are usually organized where you can get to know the future investor. This option is quite simple, however its effectiveness is highly questionable. Such events are held extremely rarely; meeting the right person also happens here not easy.

Another easy option– investing in a new business project by diverting funds from an old, already developed one. Naturally, this method is unacceptable for novice entrepreneurs.

You can find private investors on various Internet resources. You can find a large number of business investment proposals. But don't forget that areas of large accumulation of funds are infested with a huge number of scammers. Often, businessmen are offered to contribute a certain amount of money to start investing under various pretexts.

It is considered a good way to attract investment investment broker assistance. For a small commission, the businessman shifts the worries of finding an investor onto someone else's shoulders. In this case, you will have to pay only upon the issuance of funds.

The help of business angels is often considered effective.. However, today there are too few of them for a large number of applicants. In addition, they often demand a significant share in the business being created.

Incubators do not have the purpose of investing in projects. They are created to provide businesses with optimal conditions for development.

Question 5. How to search for foreign investors? Where to find foreign investors who will give money?

At the moment, there are several ways to find a foreign investor who is interested in your business:

1. Using the intermediary services of public or private commercial structures in searching for investment proposals;
2. By posting information about a project (startup, idea) on specialized sites (investment project databases);
3. Participating in various specialized exhibitions and fairs.

Many different agencies successfully operate in the investment market and provide professional services for finding foreign investors. It is important for potential foreign investors to see the prospects of your business project.

8. Conclusion + video on the topic 🎥

If you have read the publication to the end, rest assured that you have received enough information to attract an investor. It is important to remember that this process is not easy and requires high-quality preparation.

A businessman must remember that even if he finds sufficient funds, there is no guarantee that the project will be successful.

Finding an investor is only the initial stage, a small part of a long and difficult journey.

Having spent money, a businessman must make every effort to achieve the desired return from it.

In conclusion, we suggest watching a video from Stolitsa FM - Where and how to look for business investments?

And also an interesting webinar “How to attract investment in business” from the Chamber of Commerce and Industry of the Russian Federation

The site magazine team wishes you good luck and success in attracting a good investor and, of course, success in the further development of your business. If you have any comments or questions on the topic, please ask them in the comments below.

What is attracting investment in business? What business projects (startups) are of interest to investors? How to invest in a small business or production?

Hello to everyone who visited the website of the HeatherBeaver online magazine! Denis Kuderin, an investment expert, is in touch with you.

The topic of the new publication is investment in business. The article will be of interest to both novice businessmen and those who have already tried their hand at entrepreneurship.

The long-term goal of any business is to receive a stable, growing income and have continuous development.

Want to know how to achieve this? Then - go ahead!

1. Why is it worth investing in a business?

Smart investments in business are the key to a comfortable future. Successful investments create passive income - this type of income frees up your time and gives you financial independence.

The vast majority of Russian residents (as well as citizens of other states that were once part of the USSR) have a fundamentally wrong idea about long-term profitable investments.

Many people believe that promising financial investments are only available to the rich, successful and talented. Others believe that owning a business is an unjustified risk, especially in conditions of a permanent economic crisis.

With such views, people live their whole lives, unable to escape the grip of hard wage labor and the vicious circle of living from paycheck to paycheck.

By changing our ideas about the essence and meaning of monetary investments, we can change not only our own financial status, but also our destiny. Freedom (including financial freedom) is, first of all, an internal state and only then - expensive restaurants, travel, yachts and luxury cars.

Anyone can achieve all this if they have the desire. If you want to become free, change the vector of your thinking: get busy active economic activity - start working for yourself.

Investments in personal business are:

• earnings, which, as it develops, depend less and less on labor costs;
• confidence in the future;
• the opportunity to realize the most daring ideas and plans.

Modern investment technologies allow you to start your own business with minimal capital. Special knowledge is also not required - there are many areas of business that do not require an economist's education.

2. The best investments in startups – 5 proven options

Option 2. Production

When choosing investments in finished production, investors should be guided by the level of profitability of the enterprise, its competitiveness and possible risks of loss of funds.

It is important that the products of the company in which you invest are in stable demand in the market. The timing of capital turnover is also important.

You have decided that you will develop your own business. Alone or in a team of like-minded people, you continuously improve your business idea, study the market, and look at possible competitors. And the moment inevitably comes when you understand what initial investment your project requires. Investments at the start may differ significantly, but in ninety-five percent of cases, a beginning businessman does not have the required amount of available funds. The way out of this situation is to find an investor for the business.

In this article we will talk about:

• what preparation needs to be done before launching your project on the investment market;
• where to find an investor;
• how to interest an investor in your project;

• consider forms of investment cooperation;
• Let's talk about the mandatory clauses of the investment agreement;
• let's be inspired by the experience of successful startups and look at their working ideas

So let's get started.

First, you must clearly understand your business idea and its accompanying business mission. If you yourself cannot formulate how exactly your future product or service differs from those existing on the market, do not expect that an investor will be interested in your idea.

Example of a bad business idea presentation: opening of a private kindergarten in one of the cities of the Moscow region.

An example of a good business idea presentation: opening a private kindergarten for 100 places in the village of Nakhabino, Moscow region, in order to satisfy the increased demand for kindergartens in the absence of supply.

Answer your questions honestly, preferably in writing.:

1. Why do I think that my future product/service is better than what is already on the market?
2. What target audience might it be of interest to?
3. How popular will my product/service be?
4. How do I plan to organize the production of goods/services? Here it would be appropriate to briefly describe the technological process.

At the meeting with you, the investor will ask these questions, so you must be 100% sure of the answers. Also, detailed answers to the questions described above will contain a business plan, with which you will go to the investor for a presentation of the project.

Second, you need a well-written, workable business plan. There is a lot of information on writing business plans both on the Internet and in specialized literature. You just need to study this issue and follow the recommended sections when writing. If you do not have the time or skills to write such documents, you can always turn to professionals for help. There is a huge selection of business plan writing services on the Internet. But!

A good business plan is not a beautifully written document or professionally presented information about the market and product. This is, first of all, a detailed description of your idea and evidence that the idea will be profitable. By the way, we talked about how to write a business plan in one of them.

Whether you write it yourself or delegate the writing of a business plan, you must know by heart and be confident in every proposal, and especially in the technological and financial parts. Be prepared for the fact that every statement you make will be questioned by the investor.

Investors are primarily interested in:

1. The amount of investment you are applying for, as well as what share the investment will occupy in the total amount of capital investment in the project.
2. Profitable interest rate on investments. The rate on risk-free and low-risk investments (deposits, bonds, reliable shares) tends to 14-15% per annum, so you should offer a higher rate.
3. Payback period is the period in months during which the profits from the business will cover the initially incurred costs.
4. Project risks. The startup is a leader among risky capital investments. Write honestly about all the risks; experienced investors know about them anyway.

Indicators that must be present on the title page of the business plan:

1. Amount of investment.
2. Profitable interest rate.
3. Payback period.

If the investor is not satisfied with the above indicators, he will not look at the rest of the information. Put yourself in his shoes. He gives his money, earned with blood and sweat. What is he waiting for? Innovation? Social significance? ARRIVED. Everything else interests him insofar as. So give him a profit.

The third point in preparing for a meeting with an investor will be creating a presentation of your business project. Whether it will be a full-fledged presentation in Power Point, a printed album, or a set of sheets with key figures, tables, images is up to you. It all depends on the scale of the spartap and the requirements of the investor you contact. The main thing is your ability to convincingly present the project using prepared materials. Remember, the main thing is your prepared speech and charisma, and then a beautifully designed presentation. Get the investor interested, give him something to think about, and “infect” him with your idea.

When the preparation is completed, you can begin the search.

Where to find an investor?

Credit organizations

The most obvious solution for a novice businessman is to contact a bank. Many, many aspiring entrepreneurs took out so-called business development loans or even consumer loans and successfully developed their business. But banks want to invest money only in reliable projects and receive a good interest income.

If you choose this path of searching for investments, we recommend contacting a bank where you have an account and/or have a positive credit history. If there are none, contact large banks with a well-known name, avoid microfinance organizations.

A list of the most interesting business loan offers to date is given in the table.

Table 1. Business loans in Russian banks

A list of interesting consumer loans is given in Table 2.

Table 2. Consumer loans that can be used as business investments.

Pros: high probability of receiving funds if all documents and security are provided, transparent and verified scheme for raising funds.

Minuses: high interest rate, security and confirmation of income, guarantees of third parties or organizations are almost always required.

Private investors, business angels, crowdinvesting

If the option of going to the bank seems too “expensive” to you (and it is), or you do not want to provide the bank with your apartment as collateral, you should take a closer look at private investors and the so-called “business angels”. Private investors are most often people who have already earned enough money from their business. And now they invest it in other businesses and receive passive income. In addition to investments, business angels provide expert support to young businesses, can introduce you to certain business circles, advise working business models, and suggest ways to optimize your business.

Type the words “private investor” and “business angel” into a search engine and you will find more than a million offers from potential investors. Among the proposals there will be investment exchanges, the most famous of which are:

• start2up
• EASTWESTGROUP
• investorov.net
• business-platform
• SBAR (Russian business angel community)

However, do not create vain illusions that by placing an ad describing your project, you will receive hundreds of offers from potential investors. You will have to write letters and call yourself, and more than once. After sending a hundred applications, you may receive only three to five responses. .

Beware of scammers, of which there are a sufficient number on the Internet. Never deposit money for anything, under any pretext. And read the contract carefully.

Register on forums for professional communication of TOP managers, such as E-xecutive and Up-pro. Reputable employees of large companies communicate on them. They have free financial resources, but no time to develop their own business. A good opportunity for you to express yourself.

Another interesting subtype of private investment is crowdfunding and crowdinvesting projects.

The term " crowdfunding" comes from the English words "crowd" - crowd and "funding" - financing, provision. It is clear that we are talking about collective fundraising for a project. This can be either a commercial endeavor or a charity event. Crowdinvesting- This is also a collective fundraiser, but Spartapas and commercial ventures are already becoming the object of investment. Investors expect profit from such investments.

Crowdfunding is an interesting option for an interesting idea

Both types are relatively new in the world of investing and dynamically developing. True, to successfully search for a group of unrelated investors on the Internet, your project must be either very bright or very modern and trendy. The proposal should “catch” the eye. High technology, IT, projects with a social impact, with a creative component, etc. are suitable. And you are unlikely to receive large investments (more than 1 million rubles), since mainly young beginning investors with a share of adventurism, but without large funds, register on such sites.

Take a look at Russian crowdfunding sites:

• Planeta.ru;
• BoomStarter;
• Simex;
• Crowdsourcing.ru.

It is worth noting that your relatives and friends may also turn out to be investors for your project. But you shouldn’t take such investments carelessly. Make preliminary preparations for a meeting with a loved one in the same way as if you were presenting a project to an unfamiliar investor.

Pros: private investors require fewer documents and often provide money without collateral; they can help a business with experience and connections; for small, ambitious projects, investments are found quickly.

Minuses: the target income interest rate is often higher than in banks, the risk of falling for scammers is high.

Video - Attracting investments

In this video, Oleg Karnaukh, founder of the Smart Business project, says:

• at what stage does a small business need investment,
• what arguments to get for a conversation with an investor
• how to remain the owner of your business
• how to scale a business.

Investment venture funds

Let's move on to the most difficult, but also the most interesting ways to attract investment.

First, let’s define what a “venture fund” is.

Venture fund comes from the English word “venture” - an adventure, a bold undertaking, a risky undertaking. Such funds invest money with a high degree of risk, but also with great profit. 80% of venture capital investments depreciate in value, but 20% bring such a profit that it is several times higher than the costs.

If your future business does not relate to:

• high-tech sector,
• IT and telecommunications,
• healthcare,
• Internet and e-commerce,

You can safely skip this paragraph of the article and move on to the next one.

For the remaining ones, we reveal the work scheme of venture funds. The fund's team consists of experienced financiers who deal primarily with high-risk investments. All applications go through several stages of consideration.

Stage 1. Review of submitted applications. The business plan and other documents are checked for correctness of writing, compliance with the fund’s policies, and profitability. 90% of applications do not pass this stage.

Stage 2. Conducting research in the field of competitiveness of a new product, financial efficiency of a future business, and management competence. 9% of applications do not pass this stage.

Stage 3. Negotiating and concluding a contract. 1% of those who apply become the owners of the required amount for business development.

We recommend applying to venture funds and taking an active interest in new venture projects. Even if your application is rejected at the first stage, this is not a reason to stop, but an opportunity to analyze your mistakes and submit the documents again. In fact, this is a free master class on attracting investments from experienced investors.

Table 3 lists the largest venture funds operating in Russia.

Table 3. Large Russian venture funds

You must understand that if you want to make a profit from your project, then it must at least bring 40-45% profitability, because you will give 30-35% to the vendor. Are you ready for this challenge?

Pros: the ability to find funds at the initial stage, without collateral; The very concept of venture investment implies that the investor may lose money if the project fails.

Minuses: not suitable for all projects, long and complex competition for obtaining funds, high investor share in the company.

Video – Conference of the Foundation for the Development of Innovation and Initiatives

After watching this video, you will learn how to bring an IT startup to the international venture capital market. And also how, where and at what rate to ask for money for innovation

Grants and subsidies

The most desirable type of attracting investment for any beginning businessman is, of course, a grant or subsidy. After all, you don’t have to give them away! Or it is necessary, but after a certain period and without interest. Therefore, those wishing to receive such financial assistance from outside are a dime a dozen. However, in order to qualify for a grant or subsidy, your business project must bring not only profit to you, but also benefit to society. Only projects with a social impact receive the attention of non-profit foundations.

Funds that provide support to new and small businesses are divided into state and non-state.

Target areas subsidized by government grants:

• Agriculture;
• Innovative technologies;
• Education;
• Advertising and Marketing;
• Tourism;
• Healthcare;
• Production of goods for export.

Non-state funds subsidize the following industries:

• Agriculture;
• Innovative production;
• IT and telecommunications;
• Internet trading;
• Healthcare;
• Social business;
• Creation.

Let's look at the most interesting measures of state and non-state support for small and new businesses.

Pros: Grants received do not need to be repaid; subsidies are given either on a non-refundable basis or without interest.

Minuses: This type of financing is not available for all projects; you will need to regularly report for the money received.

The investor has invited you to a meeting. What's next?

Armed with a business plan and project presentation, you rush to negotiations. At this stage, the main task for you is to talk about your business idea as convincingly as possible. And sell it for as much as possible.

Meeting with an investor is the most important step

Yes, yes, that's not a typo. During negotiations, you sell your business idea and your efforts to implement it, and in exchange you receive money at a rate of return that suits both you and the investor.

Negotiations are by no means a friendly meeting, but a kind of battle with an investor for future profits, so remember a few important rules.

1. If possible, carefully study the bank, fund or person you are approaching for money. What businesses does he invest in? How does he feel about risk in investing? What goals does he pursue? Use the information received in negotiations
2. Always focus on the benefit for the investor, not on your financial goals
3. Prepare a rough structure for the meeting and think through answers to possible questions.
4. During negotiations, write down all the key points, otherwise important information may simply fall out of your attention later.
5. Be flexible, consider investor offers
6. At the end of the meeting, write down all agreements reached. Prepare supporting documents together.

One of the important topics of negotiations with an investor will be the choice of investment form. There are two such forms for small businesses: lending and buying out a share in the business. Let us consider in Table 4 the comparative characteristics of the two forms and determine the pros and cons of each of them.

Table 4. Characteristics of various forms of investment

The final stage of negotiations with a potential investor will be the conclusion of an investment agreement. Most often, you will be offered an agreement developed by the investor and, accordingly, focused on his interests.

Read all clauses of the contract carefully and ask clarifying questions. Feel free to make corrections. It’s better to show the contract to a lawyer to avoid pitfalls.

Video - Master class on finding investments

Look at the secrets of finding a development investor from Sergei Gribov. At the master class, he explains the entire practice of obtaining investments, based on his fifteen years of experience in creating startups in countries such as Israel, America and Russia.

Who did it?

Yes, attracting investment in a young, growing business is not easy. Yes, in exchange for the funds received, you will have to give away part of the future profit. But who will stop it?

See how inexperienced aspiring businessmen like you achieved success. Do you see any familiar companies among them?

Max Levchin, company founder PayPal, attended Champaign College with a degree in communications security. He never even thought about creating a world-famous online payment system, but while still in college, he became the founder of three companies in the field of information technology. True, none of them achieved success. Then he had such a bright business idea that he dropped out of school and moved to Silicon Valley to bring it to life in the most suitable place for this.

PayPal is a well-known payment system that developed thanks to a well-formulated idea

In the summer of 1998, he was living in a friend's apartment in Silicon Valley, without funds, without certain prospects. One day Levchin went to a lecture at Stanford University. Peter Thiel was reading it, and Levchin wanted to take a look at the man about whom he had heard so much. After the speech, Max approached him to tell him about his idea and ask for expert advice. Til listened to the young man with interest and invited him to a business breakfast.

Levchin described his idea to Til, and he offered to implement it by investing some money. It turned out that Peter Thiel ran a hedge fund.

Yahoo! began as a site where two Stanford University graduate students, David Filo and Jerry Yang, collected web links to documents on various topics. Passionate about their idea, the students added new links to the catalog every day, and soon the catalog website became popular. At the end of 1994, Young and Philo decided to create a commercial organization for their website and asked Tim Brady to write a business plan. Brady was in his senior year at the time and therefore turned the business plan into Yahoo! graduation project.

At the 1995 San Jose Electronics Show, Yahoo! placed its stand. There was not a single Internet project among the event participants, so the Yahoo! investors noticed. A few weeks after the exhibition, the students found funding for their company and moved into a real office (they had previously worked in a trailer on the institute's campus). The venture fund Sequoia Capital acted as an investor and managed to receive $1 million as an initial investment

But this is America, you say. Such ideas are born there, such capital circulates there, you say. And you will be wrong. Here are examples from Russian reality.

The founders of a large online labor exchange, Denis Kutergin and Alexey Gidirim, worked for a long time without funding, seeking their own funds. The breakthrough came in December 2010, when YouDo entered the top ten Internet projects of the Web Ready competition. Within a few months after this, the company was assigned an investment attractiveness index of “A” in the StartupIndex rating. In 2013, she won a competition announced by the Pavel Durov and Yuri Milner Foundation and received $1 million for development.

In 2016, Alexey Moiseenkov, an employee of My.com (a subsidiary of the famous Mail.Ru Group) developed an application for smartphones Prisma, allowing ordinary users to create photographs in the style of Van Gogh, Munch, Marc Chagall and other famous artists. Alexey skillfully found funding for his project. He showed the idea to the Deputy General Director of Mail.Ru Group, who became interested in the project and introduced Alexey to the founders of the Gagarin Capital fund and private investors. Today Moiseenkov is a dollar millionaire. Prisma is not Alexey’s first startup; before becoming a successful startuper, he managed to hit a lot of bad points for himself.

Prisma - an application for creating a picture from a photograph using neural networks

As you can see, it is quite possible to get investment, but it requires persistence. And a little luck.

Conclusion

In conclusion, we note that you do not have to concentrate on any one way to attract money to your business. You are a generator of business ideas, so be creative to the end! You can, for example, receive a subsidy for business development from the state, become a resident of one of the business incubators, invest your funds and attract friends, making them business partners, and make up for the lack of funds with a bank loan. And this is just one of the options.

Take action, don't give up and may the force be with you.

Often successful companies are created through the collaboration of several parties: one has an idea, the other has the resources to implement it. Thanks to the Internet, it has become easier for these parties to find each other. However, it is important not just to find a person with money, it is necessary to attract a good partner, cooperation with whom will become the basis for a successful startup and further advancement of the business. When considering investor proposals, try to think about which of them will be interested in your business. To do this, formulate the stage of development of your business: will it be its origin, formation, growth, maturity, or decline. Every company that is at various stages needs its own investor.

Features of the stages of company activity
At the inception stage, as a rule, an entrepreneur has nothing, only an idea, and sometimes a registered patent. There are also problems with the formation of the management team; business processes are not established. External investors are often relatives and friends, or they can be private individuals who have some experience in this area and are willing to take risks. On our website you can find such investor offers.

During its formation, the organization already has an established production of finished products, or already provides services, but its activities do not bring the desired income, and sometimes are even unprofitable. This stage is characterized by business processes that have not been fully developed; only the formation of a management team occurs. At this stage, it is necessary to pay attention to the financial and legal documentation of the company. An investor who is interested in it should easily understand the corporate structure of the organization and its financial position. It is good that the company does not participate in litigation, disputes with government services, etc. At the stage of expansion of activities, the volume of operations performed increases, and profits become stable. As a result, the company begins to occupy a stable position. The stage is characterized by well-established business processes, new markets and projects are opening. At these stages, banks, funds and other serious investors are involved in financing.

Advantages of our business portal
The business portal site is designed to assist its visitors in developing their business and increasing capital. In particular, this page presents various investor proposals. We recommend that you read them carefully and do not make hasty decisions. Try to learn as much as possible about your partner and assess his reliability. When drawing up contracts, read them carefully, let there be as few understatements as possible, and let all agreements be recorded in writing. On this page you can both find an investor and become one yourself by posting an investor proposal. Many of our visitors were able to find reliable business partners with whom they have been working for many years. Perhaps you will become one of their number.