Smart Financing Strategies for Small Businesses

Announcement

Obtaining adequate capital is fundamental for the growth, innovation and maintenance of the operations of a small business. Next, let's see six strategies that can help you raise your courses in an efficient manner and aligned with the objectives of your business.

1. Robusto Finance Plan

Before seeking any source of capital, establish a detailed financial plan:

Define short, medium and long term goals (expansion, equipment acquisition, personal contract).
Project the flow of the desired caixa: identify small and varied dishes and recipes.
Calculate the exact value that you specify for each stage of your plane.

A good plan avoids excess funding and helps you find the best financing method.

2. Empréstimos Bancários Tradicionais

The empréstimos em financial institutions usually have the longest prices and competitive taxes, most demanding:

Presenting a convincing business plan and financial plans.
Guarantees of real estate or cash, in accordance with bank policies.
Bom histórico de crédito e demonstrações contábeis organizadas.

Advantage: Predictive parcels and flexibility for lunch shopping.

3. Risco Capital (Venture Capital)

Ideal for businesses with high growth potential and scale model:

Investors take stock in the stock participation list.
The company receives more than just mentorship and network.
Rigorous selection process: it is necessary to demonstrate competitive differentiation and a solid expansion plan.

Risk: dilution of the control of the funder members.

4. Collective Financing (Crowdfunding)

Allow you to receive news directly from the public on online platforms:

Request a well-built bell, with a clear objective and attractive rewards.
Help you test the performance of products/services before the official launch.
Start engaging and creating an initial base of existing customers.

Attention: high competition on platforms and need for investment in marketing.

5. Commercial Credit Lines

Pre-approved limits for bags compliant with caixa needs:

Indicated to cover short lunch expenses (estimated, payments to bakers).
Juros cobrados somente sobre o valor utilizado.
Automatic renewals can simplify the management of the investment capital.

Note: Financial customers may be high if used continuously and in large volume.

6. Parcerias Estratégicas e Investidores Anjo

Parcerias estratégicas: collaborate with companies that carry assets and finance (technology, access to sales channels, expertise).
Investidores anjo: individuals who invest their own capital in startups and small businesses in the participation group and contribute with experience.

Learn from the investor or investor whose characteristics and values are aligned with the culture and objectives of your business.

Conclusion

The path to financing a small business involves combining various sources of capital, always supported by a precise financial plan. Please check the prices and requirements of each method before opting for instant banking, risk capital, crowdfunding, credit lines or strategic deals. By pursuing financing for your growth goals and achieving your cash flow, you will maximize your chances of success and establish a solid foundation to thrive in a more competitive market.