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How to find real investors. How to find an investor to open a business from scratch and for a startup - step by step instructions

It is difficult for a novice entrepreneur to organize his own business, since even a small business requires significant financial injections to start. Where to get this money? The fastest and most reasonable way is to attract an investor - a person who will contribute his capital in exchange for a part of the profits or shares. An investor can become a partner of the company, often an assistant in development, because he is no less interested in making the business profitable than the owner.

Where can a businessman get money to develop his business?

Until the business begins to generate income, not a single day will pass - all this time the entrepreneur spends money on rent, paperwork, paying wages, purchasing equipment, consumables, products and for other purposes. You can get start-up capital from several sources:

Personal savings is a long, but the most reliable way, in which you need to set aside part of your income every month;
A bank loan - they are reluctant to provide money to open their own business, requiring collateral, so more often entrepreneurs take consumer loans, but the amount is limited here;
Borrowing money from relatives is a good way if you have a wealthy loved one who is ready to borrow a large amount;
Search for an investor - a private individual, a company, an association of people, it can be business angels - specialists in investing in start-up entrepreneurs;
Finding a partner - in this case, the business will have to be divided in proportion to the amount of injections, it is better to look for a financially literate person, and not a beginner;
Starting a related business - for example, if you want to open a car service, you can start with a tire fitting, and when profit and experience appear, expand your business;
Receiving a subsidy from the state - provided by the employment center, the district administration, the business support department, but the amount of injections is small, reporting is required;
Crowdfunding is the collection of funds through a special platform from ordinary people, but for this you need to offer an unusual business idea, interest the audience, and conduct an advertising campaign.

Experts and experienced businessmen are sure: borrowing money or resorting to a loan is not the best idea for an entrepreneur. It is better to use your savings or attract investors by concluding a cooperation agreement with them.

Step-by-step instructions on how to attract an investor?

New entrepreneurs don't understand how to find an investor for a small business from scratch? To attract capital to develop your business, you need to draw up a well-thought-out business plan, choose a convenient form of cooperation, find professionals, negotiate and conclude a cooperation agreement.

How to prepare a business project?

A business plan is a visiting card of an entrepreneur, it is this project that potential investors will study, assessing the attractiveness of financial investments. Keep in mind that the investor is not interested in how original the idea is, what prospects it promises you personally, he wants to know how much profit he can get. The business project must contain:

a brief and detailed description of the idea, a plan for its implementation;
calculation of starting capital;
analysis of the real benefit for the investor - also with calculations and reasonable conclusions;
the payback period during which the income will be received;
investment prospects.

If a business plan is drawn up by a novice, he can make typical mistakes due to inexperience, which will scare off investors, sometimes it is better to invite specialists to prepare documents or ask for help from familiar businessmen.

How to choose the right form of cooperation?

The form of cooperation is chosen by the businessman together with the investor, but first it is worth calculating the benefits from each model, determining the most effective way of interaction. An investor can earn income in several ways:

percentage of the deposited amount, as in lending;
part of the profit from the implementation of the idea;
share in the business - re-registration of property rights will be required;
finished products or services - relevant for investors in a related industry, for example, if a businessman opens a company for the delivery of motor oils, and the investor has his own auto parts store.

In the process of negotiations, the investor may insist on a different scheme of cooperation, it is often more profitable for an entrepreneur to make concessions than to lose the opportunity to receive funds.

How to seek help from experienced businessmen?

It is difficult to develop your own business and look for investors without experience. It is better to ask for help from other businessmen who will provide assistance if cooperation is possible between you on favorable terms in the future. Who to contact? For example:

if you produce food - to the owners of stores;
if you plan to carry out transportation - to businessmen who rent cars or need regular delivery of goods;
want to open a flower kiosk - to flower suppliers;
are going to sell farm products - to the owners of household plots.

Experienced businessmen will advise on the presence of pitfalls, features of the chosen industry, help to study this issue more closely and prepare a detailed business project.

How to negotiate?

The first meeting with an investor is always a presentation of the project, presentation of a business plan and coverage of the main issues that may arise. You need to carefully prepare for the meeting so that the investor understands several points:

you are financially literate;
excellent knowledge of the topic;
offer a fresh and interesting idea;
the investor will be able to profitably invest;
there is no doubt about the honesty of the businessman and the reality of the project;
what are the risks in this industry.

During negotiations, the focus should not be on how new the business will be, but on outlining the benefits of investing.

How to conclude a cooperation agreement with an investor?

When an investor is found, the project is presented, consent is received, it remains only to prepare an agreement on capital investment. In this matter, it is better to involve a lawyer and check that the document indicates:

terms of investment;
payment method;
the amount that the investor contributes;
rights and obligations of the parties;
procedure for violations.

The money received from the investor should be used only for business development - this is directly indicated in the contract.

How to get investors interested in a business plan?

collect information about the investor, eliminating possible misunderstandings;
carefully calculate the amount of investment that is needed;
do not delay the implementation of the project;
outline specific goals;
analyze the market, competitors, the situation in the industry, so that the investor understands that you have worked out this topic well;
do not hide important information and facts from the investor.

Of course, a businessman wants to present his project in the most favorable light, so the data is often embellished, and the calculations turn out to be overly optimistic. An experienced investor will definitely ask about the fate of the project in case of negative developments, you must be prepared for this question.

Finding an investor is not so easy, because the number of business projects created daily is only growing, and the level of competition for attracted funds is increasing. To find an investor, you need to competently approach the search, following the advice:

Start the search as early as possible, as this process can take several months. You need to look for an investor already when you have calculated the business prospects, assessed the benefits from the implementation of the idea. The main mistake of newcomers: they use their funds for development, and when the capital runs out, the business goes into decline, they start looking for injections from outside, but such a project for investors most often turns out to be uninteresting;
Reach out to someone who can really help. If the investor is large, it is not worth going to him, offering to invest in a small business, but if it is a small company, then it simply will not have enough capital to invest;
Name the specific amount that you need - you should not indicate a range, for example, from 500 to 900 thousand rubles, the number should be accurate, and the spread should be minimal.

An experienced investor knows that it is better to invest in projects with a balanced income and risk. The goals of the entrepreneur must be specific, and the idea itself must be relevant, allowing you to make a profit in the future.

How to find an investor - an overview of specialized sites

In the era of the development of the Internet, the search for investors cannot be imagined without the use of remote technologies. For this purpose, there are special platforms where businessmen can “meet” and negotiate with potential investors. In Russia, such platforms are popular as:

Boomstarter is a crowdfunding platform focused on raising funds for the implementation of creative projects;
Planeta.ru - allows you to find an investor and implement socially significant, creative ideas, about 800 thousand people are registered on the portal;
Nachinanie.ru is a platform for collective financing of projects - religious, educational, socially significant;
Eastwestgroup - here the investor search services are paid, but the business project is evaluated free of charge, the company has been professionally engaged in attracting investments for over 10 years;
Start2Up is a bulletin board for investors and start-up entrepreneurs, projects in the field of the Internet, education, art, and culture are popular.

Finding an investor to develop your business is not an easy task, but a feasible task with a competent approach. The main thing is to offer a relevant idea, draw up a well-thought-out business plan, accurately calculate the benefits from investments. A potential investor will be interested in an honest project with low risks, sufficient income in the implementation process, and also with a financially literate owner.

Any of the businesses, at different stages of its development, requires certain investments, so the search for funds for the further functioning of one or another enterprise is a rather relevant topic. Investing money has become quite profitable when it comes to investing in real estate and foreign currency. But how can you secure stable additional capital?

It is no secret that there are such investment objects, the value of which grows with the growth of inflation in the country. What does this mean? This means that the value of certain financial instruments is constantly increasing. For example, real estate. Its value increases in proportion to the strengthening of the foreign currency against the background of the weakening of the national one. This happens because its sale and purchase often takes place in the equivalent of foreign currency. This is very beneficial, as it is suitable for transactions both within the country and outside its borders.

But in order to sell real estate, you must own it. How can I buy a home or other real estate in personal ownership? It is possible to draw up a transaction for the purchase and sale of real estate, or receive it as a gift, by inheritance. Another option to obtain a warrant to own real estate is to build it. Not only individuals, but also legal entities are asking the question of the need to purchase real estate. Why do legal entities need it?

It is necessary to accurately separate the types of real estate:

residential purpose (it can be purchased for personal use by individuals or legal entities - for corporate use);
non-residential purpose (acquired by legal entities and individual private entrepreneurs for the purpose of doing business).

As for construction, to start it and actively continue, of course, you need a strong financial start. This applies to any property without exception. The estimate of each construction object is carefully verified for hidden and unaccounted payments and profitability from its operation. Thus, a business plan is drawn up, which clearly speaks about the effectiveness of putting the facility into operation.

Of course, if we are talking about the construction of an industrial facility or some other strategic one, then the profitability from its operation is measured in the cost of goods and profit from the sale that will be produced as a result of construction.

Investors for construction

Many construction projects are realized at the expense of invested funds. This practice is welcomed in all developed countries of the world and does not involve large external and internal risks. It is only necessary to correctly draw up all contracts and related documents and certify them legally. Many future businessmen begin their careers with the phrase: "I am looking for an investor for construction." It is, of course, promising, but not always effective.

The search for an investor for construction can become very problematic if there is no clear goal and cost-effectiveness calculations. This is explained by the reluctance of the investor to invest his money in a dubious project. And in order for potential investors to become interested in this construction, it is necessary to provide all the real information on it in an expanded form. Even some states attract foreign investors for the construction of certain strategic facilities.

Then another question arises, where to place this information? Where to find an investor for construction? Let's start in order, each state is interested in the development of one or another type of economic and social activity in society. Of course, before deciding to build, the subject calculated the appropriateness of this action. He assessed all the risks and interest of the area where the object will be located and the industry that will be served in it. There is nothing complicated in this process. A system of successive steps worked out by many economists. Therefore, it is realistic to determine the state demand for this construction object.

Many countries have their own specific investment projects, for example, for the construction of social housing, the construction of small and medium-sized businesses. These projects are aimed at achieving certain goals and have the highest degree of guarantee - the state. Of course, the risks here are not small, because the unstable political and economic situation can lead to a freeze of this kind of funding.

Also, in order to receive an investment in construction, it would be advisable to apply to investment funds with a proposal for cooperation. Such contracts can provide both full financing of the project on different terms, but with mutual benefit for the parties, or partial. In this case, the benefit, the profit from the implementation of the construction project is divided in proportion to the capital invested in it. In this case, there are also risks, but also currency and profitability risks are involved.

Unfortunately, due to the bitter experience of the past decades, when there were building "pyramids", people's trust in such transactions has been greatly shaken.

Oddly enough, many large banks act as investors in the construction of various facilities. This can manifest itself both in the standard scheme of investing money - direct investment, and in reducing the interest on the loan, or providing it without interest at all, only with a small commission, but with the right to participate in profits. Any transaction regarding investment in construction, which does not violate the legal rights of the parties, has the right to be. Therefore, the right to choose always remains. And the vast opportunities in this industry, of course, need to be used.

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Business is growing rapidly these days. Today there are many ideas on how to implement your activities. But often start-up entrepreneurs experience an acute shortage of funds. They are either very few in order to open their own business, or not at all.

And here the question, which is already sore for many, arises, how to choose the right investor for your business?

Types of investors and investments

Investors

Who is an investor? This is the person who can allocate funds for the implementation of the business, expecting some kind of return in the future. They can be either an individual or a legal entity. Its main task is to get the maximum profit with minimal risk.

There are several types of investors:

Banking. Can help out from inflation. This type of investment in Russia is popular and safe. If there is a large amount, then it is better to put it at interest in the form of another currency.
Portfolio. They expect maximum income by forming an investment portfolio. This term should be understood as the totality of all securities of value. Their value is determined on the basis of two main mutually dependent factors - income and risks. They can be divided into:
- conservative - invests only if you are sure that there is no risk;
- moderately conservative - can take risks, but will not sacrifice all means;
- aggressive - always plays at high stakes and is not against risks;
- experienced - have extensive experience in dealing with ordinary risks;
- sophisticated - strive to get the maximum profit and are ready to sacrifice all means.
Direct. They are called strategic because their participation implies gaining control over a company and becoming its owners. In this regard, the main objects in this case are ordinary shares. Moreover, the more shares he owns, the more he can influence the organization itself.

In addition, you can select investors who are engaged in their own business unprofessional(independent and non-independent) and professionally(speculators and managers).

The former mainly manage their own funds, they still do not quite understand the intricacies of such a business, but they make some small transactions. It's kind of a hobby for them. The latter are distinguished by a more conscious approach to work, they can deal not only with their own, but also with other people's assets. In addition, they are very good at investing. For them, it is a source of income.

Investments

It is impossible to fully expand this definition in two words. It can be compared with art, because it is not enough to read smart literature, practice is also needed. There is no certain path that guarantees success at 100%. You need a creative approach and a competent analysis of your actions.

The classification of investments can be as follows:

by risk:
- no risk;
- low risk;
- average;
- high;
- speculative investments (getting the maximum profit when making dubious investment projects).
according to the nature of participation:
- direct (the investor himself invests);
- indirect (an intermediary invests funds).
by period:
- short-term (up to a year);
- long-term (more than a year).
by form of ownership:
- private;
- state.
by region:
- national;
- foreign.

Small Business Search Options

Finding the right investor is a difficult and necessary task that requires a lot of time, diligence and effort. Everything is complicated by the reluctance of banking and other government agencies to deal with small businesses. Therefore, it is important that the starting capital is as large as possible, all risks and possible costs are taken into account.

Banks

We need some kind of collateral, a guarantor, we need a good reputation and other requirements. If this is not the case, then you should not count on the help of the bank.

Internet

The Internet is full of various investor search ads, but in this case, the chances of success are minimal, and there is a chance of running into scammers. Therefore, in your search, you should not be limited only to the Internet. Alternatively, take the help of friends and acquaintances. This minimizes all risks, moreover, some of them may themselves act as a counterparty.

Otherwise, there are business communities, you can visit thematic exhibitions and conferences, be interested in investment funds, business forums and clubs.

Technoparks

Many start-up entrepreneurs should pay attention to technoparks in search of support. These structures are part of institutes or universities. Their actions are aimed at introducing high (hi-tech) technologies into wide production. They are the link between large industrialists and small businesses.

To access the technopark, you need a well-thought-out business plan. Upon approval of the project, a contract is concluded with the entrepreneur for up to 3 years with the provision of a production module in order to implement the business.

Service maintenance of the technopark implies the provision of preferential prices for communication services, consultations from specialists of various profiles. If necessary, assistance can be provided in obtaining a loan for the necessary expenses during the implementation of a business project.

Business incubators

Business incubators are almost similar to technoparks, but they work in a slightly different way. This structure is designed specifically for small businesses. Any entrepreneur can apply, regardless of the type of activity. The work on the selection of clientele can be carried out by the administration or supervising state institutions.

A considerable number of such incubators are created by the state in empty places of industrial enterprises. This allows you to combine several buildings on the industrial territory at once (warehouse, office, production room). Stay in this structure is calculated from 3 to 5 years, then the right to benefits is lost.

Credit cooperatives

Contacting any credit cooperative will be the best alternative to banks. Such structures are created mainly by private individuals and can issue amounts ranging from 100 to 350 thousand rubles. At high interest rates, they are not as strict as banks. In addition, they have less time to consider the application.

In this regard, this option is suitable if the business is in extremely poor condition, or you want to borrow funds for a very short period.

State guarantee

A state organization can only act as a guarantor, since they do not have their own finances. This will allow you to receive almost any amount from the bank, since in extreme circumstances the state undertakes to return 40-50% of the loan to the bank.

Such government structures to support small businesses can be found in any major city.

Grant

This is the best option that any businessman can count on. The reason is clear enough - it does not need to be given away. These funds for small and medium-sized businesses are allocated only from the state budget. Funds will be allocated to those activities that are most of interest to any particular region of the state.

For example, a grant can be received for the production of new energy-saving technologies. A project aimed at improving and protecting nature will also be a priority over others.

In most cases, grants are provided for projects that are related to innovative technologies in the field of scientific development.

In some cases, it can be issued by some company that has an interest in introducing new technologies into production. In addition, the distribution of grants can occur through institutes and universities in the scientific field. You can also learn about them at ongoing industry exhibitions.

The number of grants in Russia is small. But in times of crisis, the state is expected to actively develop this program. Perhaps this will lead to an increase in their number.

Trust but check

Regardless of which method is used when looking for an investor, this person or organization should be checked for honesty. This will require some additional time, but in this case the risk of fraud will be significantly reduced. To do this, you can do the following: start by searching for available information about the lender regarding his past experience, how many successful transactions he had, whether there were any failures. In the latter case, also study the reasons for the failure.

Reputation is an important factor. You need to find out what it is in various business circles. It is equally important to know how the lender behaves in difficult cases.

You can learn more about all search options from the following video:

Search Options for Startups

No less difficult will be the search for an investor for an entrepreneur who starts his business from scratch. But, before embarking on the search itself, it is necessary. It should take into account costs, payback, results from market analysis, risks and competition.

To attract a lender, it is important to indicate some points:

The essence of business. Briefly describe the main idea, who it can attract and what benefits it promises.
Team. Who exactly will take part in the implementation of the project, indicating the responsibilities of the participants.
Competition. It is necessary to indicate how your own project differs from others, and what is the competition.
Price. Detailed information about the budget of the project.
Term. Describe each step.
Marketing. Indicate options for attracting customers and ways to promote products on the market.

The main thing is to make it clear to the investor what features make the project truly unique.

Some cities host special industry conferences where startups and investors can find each other. You can find out about this if you enter the appropriate query in any search engine. In addition, on the territory of Russia, the state provides support to small and medium-sized businesses. That is, you can contact the administration of your city for the availability of material assistance. It can be obtained in several ways and in some cases free of charge.

You can seek help from investment brokers. This will significantly speed up the search, since such people have rich experience in organizing the right investment. For their services, brokers will require from 3 to 5%.

Business angels

Any aspiring entrepreneur should contact various business communities. The most serious organization is SBAR (Community of Business Angels of Russia). If the project in question is approved, the entrepreneur will be assisted in creating a business plan and presenting it to creditors.

Who are these business angels? This is any individual who is ready to invest in the opening and development of a new business, even at the earliest stages.

In some cases, business angels can receive their share in the enterprise. They don't expect any instant payoff. Only after a few years, when there will be great success in business, and the share of "angels" will reach a maximum, they leave the business, taking their rightful part. This is the basic principle of their work. At the same time, everyone knows that they can simply lose all their funds, and they take such a step consciously.

Business angels can provide not only financial support, they have rich experience and extensive business connections. All that is so lacking for a novice businessman.

Accelerators

This is a kind of mixture of such structures as a venture fund and a competition. The winner of such a tender receives not only solid financial support, but can also count on an office, business contacts with access to partners and distribution channels. The accelerator has every right to its share in the business. As a rule, such organizations have state support.

For a business accelerator, the main thing is what value the project of a novice entrepreneur represents for the consumer market. This structure can be compared with an incubator, only here it has its own characteristics. This should be addressed with a complete team available.

Search Options Abroad

Sometimes there is a need to attract investments abroad. The main thing is that the chosen country should be stable economically and politically.

The best option is to search on the Internet. Where exactly? In social networks and on specialized resources.

With good knowledge of foreign languages, you can register on foreign sites and make new business acquaintances. However, foreign companies can also be found on domestic resources, you just have to search well.

What are the investment conditions?

Considering the issue of possible conditions, one should not forget that the main task is to receive income in the volume and period in which it was planned. Some important conditions:

having a business plan;
the presence of a reputation as a head and business;
exact data;
conditions for the realization of capital and income;
the right risk to reward ratio.

Any investor pays close attention to the business plan. No one will invest in a business without having a clear idea about it.

If there is a good reputation, then the chances of getting funds for the business increase significantly. No one will provide financial support to unknown companies. In this regard, those leaders who enjoy well-deserved trust in certain business circles can deserve attention.

Business transparency is a prerequisite. It is impossible to enlist the support of investors by hiding information about the conduct of the case. This includes everything related to tax services, as well as interaction with the media.

The way in which the realization of capital and profits is planned is the main value for portfolio investors.

For any investor, it is important to correctly correlate the amount of planned income to the possible risk. Some prefer not to take risks in case of a small profit. But there are those who are not afraid of risks, if the maximum return is at stake.

Where to find an investor to open a business and develop an existing project, how to prepare for a meeting with potential partners - answers to these and other questions in the article. As well as sample business plans that will be useful for finding an investor.

In this article you will learn:

Search for an investor in a bank

Where to find an investor in an existing business or for a new project? The first thing that comes to mind is a bank. Probably, every second inhabitant of our country is regularly called by banks and happily informed that they have been approved for a loan from 50,000 to 50 million rubles. For example, a certain bank approved a loan of 5 million for me at 11.8% per annum. However, upon closer examination, it turns out that the rate increases: without insurance - by 5.1%, without prepayment - by 2%, without collateral - by 2.1%, without an online application - by 0.5%. From the date of issue of the loan until the date of the first payment, the rate increases by 1.5% per month. The maximum total cost of the loan is 24.103%. No, thanks!

However, if you look in different banks, you can get a loan somewhere under 11%.

In addition, you can involve your friends or subordinates in co-financing. They draw up a loan at the bank, you repay it, and you pay them a commission for using the loan. This scheme works, since few of the subordinates will dare to refuse the boss if they are confident in his enterprise.

This method also includes obtaining loans for small businesses in banks at 9.5% per annum on security (goods in circulation, equipment, transport, real estate, third-party pledge, guarantee of a small business support fund). The only case when banks provide funds for opening a new business is famous brand franchise(recipe for success).

To find an investor, you need a business plan!Download documents that will help you draw it up correctly, and sample business plans:

How to justify the effectiveness of an investment project to a bank using Excel

To prove to the bank that the company will be able to pay off its obligations, use the ready-made model in Excel to evaluate the effectiveness of investment activities in general or a separate investment project.

Funds and business angels

It is possible to attract investors' funds for a project from scratch or for its development in Russia directly, bypassing banks. For this, connections and acquaintances, recommendations, etc. are usually used. But there are more modern ways to attract attention - these are electronic investment platforms. For example, "City of money".

The applicant places his proposal on this site: a brief description and financial calculations. Provides the necessary documents (constituent, business plan, guarantees, if any, documents for the property that will be pledged. Portal specialists evaluate the borrower's credit history, documents and the business itself: profitability, stability, equity, debts, etc. After that, they go to the site and evaluate everything live, because according to the papers everything can be in order.After that, they publish an offer, which investors evaluate, as a rule, within two weeks, ask clarifying questions and either finance the project or not. . Also .

What is the advantage

Firstly, there can be many investors, respectively, the possible losses of each of them are reduced, and they, unlike the bank, can take risks.

Second, they may evaluate the offer differently than the bank. If the project is attractive, then a reverse auction situation is created - when there are more people who want to invest money than necessary, then the interest rate on loans decreases. As a result, a loan is much cheaper than a bank loan. This is the best way to get investment for a business.

Thirdly, investors, unlike a bank bound by rules, can take risks and give funds without collateral. Here, the platform itself acts as a certain guarantor, which checks the borrower and his affairs. Therefore, through the platform, investors can allocate funds even to those who would not be allowed in from the street even on the threshold of their office.

And finally, fourthly, on the site you can place , without having any business yet, and if it seems attractive, then it will be “buyed”.

For its services, the platform takes a commission of 3%, and if we are talking about a startup, then a fixed payment is 4,000 rubles.

Investor proposals

There are also reverse platforms where investors themselves place their offers. For example, "Business platform" .

If you put together sentences from the first page that indicate , you get the following table:

Table 1. Offers of investors

Sum	Percent	Industry	Conditions (information from the site)
		Know-how, production, energy, agriculture, pharmaceuticals, biotechnology, polymer processing	Feasibility study, business plan, team information
		Financing a business through leaseback, real estate and shares, equipment, unfinished projects, or commercial real estate.	We invite partners to cooperate with projects for the reconstruction and development of an existing business
		New technological projects and startups through ICO (Initial Coin Offering) - by issuing (emission) of new cryptocurrencies.	The minimum participation with the customer's own funds is from 20-30 thousand dollars, in this case you can remain 100% owner. The project must have a prototype, a working model, under the "idea" - we do not work
		Construction	Unfinished objects
		Private American business angels invest in any IT and Internet startups with high development potential	Availability of a business plan in accordance with the UNIDO world standard: the project must provide a return on invested capital of at least 12% per annum; upon successful consideration, the registration of the company in the United States and the relocation of the head or one of the first persons of the company to permanent residence in the United States are required.
		Extraction and processing of raw materials, construction and real estate, any production and processing, any industry and energy, any services and trade	Stage of business: from scratch and operating enterprises. The volume of investments is from 10 to 500 million rubles. into one project. Payback period: up to 60 months. Availability of a business plan and a ready-made team.
		Mechanical engineering and metalworking, polymer processing, waste processing, petrochemistry, new materials, HoReCa	A presentation containing general information about and the team, analysis and forecasts of the market for this product / service, key financial indicators, an offer to the investor. Financial model for the next 2-3 years.
		Any highly profitable projects	We are looking for specialists charged with the idea of development, who do not have enough start-up capital and are ready to lead the direction. With a successful start, the initiator receives the right to buy the option after 3 years. Prior to this salary +% of profit
		Mining and processing, agriculture, construction, manufacturing, trade, services and other industries	Pledge or collateral for the project by the initiator is not required. Own financial resources from the initiator are not required. 100% financing is provided by the investor. All risks are assumed by the investor
		Working projects in the field of production, wholesale / retail trade, real estate, construction, Internet technologies, agriculture, finance.	Investment schemes – business equity (priority) or secured lending
		Medical industry (dentistry, diagnostics, MRI), accommodation services, catering, tourism	With a successful start, the initiator receives the right to buy the option after 3 years. Prior to this salary +% of profit
		Investments to buy or open a store	Provision of investments, assistance in sales
		Production, provision of services, trade, IT,	Details from the investor
		Any industries and business areas	A clear business plan Brief information on the project initiator (education, work experience, contacts) and on the investment project (brief description indicating the main economic indicators)
		Automotive, architecture, woodworking, industrial parks, engineering, investment / finance, information technology, mechanical engineering, medicine / pharmaceuticals, metalworking, real estate, oil refining / petrochemicals, know-how, transportation / transport / logistics, leisure, waste processing, polymer processing, industry, robotics, crop production, agriculture, communication and communications, construction, energy	Both individual trading companies and chain stores actively cooperate with us in obtaining both short-term and long-term loans in order to increase working capital and increase commodity turnover.

The table shows that the minimum investment amount starts from 1 million rubles. A deposit, as a rule, is not required, but it is necessary that the initiator himself be engaged in the development of his business, that is, first of all, businessmen evaluate the business and personal qualities of the applicant himself. As for industries, most of them invest in innovative and IT technologies, or in classic business areas.

If we look at the generalized diagram, we will see that the larger the loan amount, the higher the interest that the investor requires for it (see Figure 1). Although there are exceptions. For example, an American fund for 100 million rubles. asks only 12% per annum, and our businessman-builder 100% for 224 million rubles. (see table above).

Drawing

Raising money through various funds (venture funds, small business support, etc.) can be attributed to the same method. You can come to these funds in person, you can find them through Internet sites, through acquaintances, etc., but the essence of this does not change.

You can get investments for business from your suppliers

A few years ago, a friend of mine organized a cafe-bar without a single ruble in his pocket, moreover, he was heavily in debt. On paying the rent, he agreed with the owner of the premises on a two-month delay, since he needs time to unwind. He also received a two-week reprieve from beer vendors who install taps on the condition that only their beer is served in the bar. With coffee, the same story - a coffee machine was installed for him under the condition of a certain volume of purchases of beans per month with payment at the end of each month. The same goes for beer snacks, cakes, etc. The staff, of course, gets paid at the very end.

Thus, he earned a bar and in the first month he was able to close the current payments, and by the end of the second to pay the rent.

In other words, not only cash, but commodity credit, deferred payment and other forms of in-kind lending can act as investments for small businesses. The most important advantage of this type of security is that it is much easier to find suppliers who are ready to provide a commodity loan under exclusive conditions and they will cost less than professional investors or banks.

For example, when a university publishing house needed funds to publish academic literature, they granted one of the large stationery enterprises the exclusive right to sell stationery products in all buildings of St. Petersburg State University. And so we got the funding we needed.

Grants

Another way to get funding is to participate in competitions and receive public and private grants. To do this, a business must have a social component or pretend that it exists.

For example, in St. Petersburg for several years there was a network of folk pharmacies selling medicines at reduced prices through state subsidies. The pharmacy positioned itself as a social project and filed a corresponding application for the state. help. In order to get it, she sold medicines to the population for half a year, in fact, at wholesale prices. Due to low prices, the pharmacy gained popularity and profited from a large turnover. As a result, Mr. the authorities had already heard about her, and she easily won a grant for the social security of the population with drugs.

This method seems specific, but in fact, any business can be represented as socially significant.

Numerous business incubators and small business assistance programs can be attributed to the same category. Each profile committee in state bodies has its own budget, which it needs to master in its own direction: sports, youth, social sphere, health care, education, social housing, etc.

This also includes fundraising, crowdfunding, crowdsourcing and other ways to collect donations from the public.

In general, finding money is quite difficult, but real. The only question is that both the applicant himself and the investors are confident in the business he offers.

How to Prepare for an Investor Meeting

Before negotiations with potential partners:

collect information about them;
think about how to present project data;
determine the forms of participation in the project;
prepare documents for the meeting.

Pay attention to the scale and timing of past projects, forms and conditions of participation in them. Study the industry preferences of a potential partner. For example, venture companies are interested in innovative companies. Find out the minimum and maximum amounts of invested money, the requirements for the level of profitability.

Determine what type of investors are strategists or financial investors. To draw conclusions, analyze information about the projects in which they have invested money. The former take part in the management of the company, the latter are only interested in income from invested funds. With the help of the information received, the financial director will assess in advance how much the company will be of interest to potential investors, and will place emphasis in preparing information.

What documents to prepare

Before meeting with investors, prepare the following documents:

patents, licenses, documents confirming exclusive rights (if the project involves a high-tech or innovative product);
commercial proposals or draft contracts for the purchase of equipment, real estate, the creation of utilities. Describe the supplier, the reasons for choosing him and this equipment or real estate, cost, terms of delivery;
loan agreements, if you have already attracted banks to finance the project. In the description, indicate the amount, interest rate, loan term, loan period, main covenants;
draft agreement on participation in the project;
loan agreement indicating the amount, interest rate, disbursement and repayment schedules. This is true if the investor participates in money;
memorandum of association, share purchase and sale agreement, share purchase and sale agreement or additional issue prospectus (in case of equity participation). In such agreements, fix the size of the investor's participation, the procedure for depositing funds, the procedure for evaluating the contributed share of assets, the procedure for participating in the management of the company, and the rules for distributing profits.