This is the path known to everyone. When you need money as start-up capital, or you have a new grand idea, or you need funds to replenish turnover, you go to the bank. In fact, you can even fill out an application through the website and just wait for its confirmation.
Banks are willing to invest, all you have to do is study the terms and choose. Look at what interest rates, benefits, and related services there are. There are credit institutions that provide a range of services at once. For example, it happens like this: you open an account, the bank gives you a loan and plus a free online cash register or Internet acquiring service.
But still, keep your eyes open. Maybe it makes sense to hire a credit broker who will help you with the online store? Banks often provide a number of paid services that you automatically agree to if you do not read the contract carefully. And it turns out that, having chosen a low interest rate, you will still end up in the red, because money will be withdrawn for a paid option or you will lose on the tariff.
Advantages: the method is easily accessible, you can get quite a large amount.
Disadvantages: the bank hungary email list will not lend money without guarantees, so you will have to provide a detailed business plan. In addition, guarantors or collateral may be required. There are financial institutions that do not want to work with beginners. To get a loan, for example, in Sberbank, you must work as an entrepreneur for at least a year. In commercial financial institutions, the conditions are not so strict, but the interest rates there are also higher.
What's especially bad about a bank as an investor for an online store? You'll have to pay back the money you receive with interest.
Professional investors
Professional investors
Believe me, there are a lot of people with money around. And they make their money work again and again, bet on investing in business, and this sphere is very promising. Competent investors occupy a stable position in the market, gradually pushing into the background large magnates in the sphere of retail, oil production and owners of IT companies.
The question naturally arises as to where to look for such an investor for your online store. Here you can act in different ways:
Study your circle of acquaintances in the business environment, take a closer look at those who have been working for a long time and are obviously successful. Meet, communicate, ask questions - this is normal. If you go to negotiations, then be fully armed: write a detailed business plan, justify all expenses.
Search the Internet. There are platforms like exchanges where entrepreneurs register as job seekers, and people looking for where to invest their money as investors. Of course, for each completed transaction, the owners of such a site receive a commission, but it is not very large. Among the investors here will be not only individuals, but also banks.
Many large businessmen regularly monitor the market themselves in search of projects that could make good money. Believe me, there are many examples when successful and rich people themselves approached entrepreneurs with an offer to invest in their project if they saw that the business was clearly worthwhile and had something unique, some special feature that would ultimately bring good profit. And keep in mind that you won’t be able to just throw dust in the eyes: such people can smell a hopeless option a mile away. If you manage to find exactly this kind of investor for your online store, then there will be two possible options for cooperation with them:
Borrow money at interest. This is essentially the same scheme as with a bank loan, but without a number of strict restrictions, and in general it is simpler. Just think carefully about the terms of the loan agreement, and you will not have any problems.
Take the investor into the share. That is, he invests money and then receives a percentage of the profit. In fact, from a legal point of view, the investor in this case is already a co-owner of the business, and if the amount of invested funds is large, then he becomes the owne