How to find financing for a commercial project

Financing is often the main obstacle in the process of implementing a commercial project. Finding initial investments is often extremely difficult or even simply impossible … However, there are perfectly acceptable ways to finance your business at the initial stage.

Instruction manual

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The first option for financing a commercial project is the so-called equity financing. In this case, you create a joint-stock company for your business, whose authorized capital will be formed by deposits of funds, transfer of equipment, technologies.

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The second option is to receive funding from government sources. Such financing can be either reimbursable (most often it is financing from investment programs in the form of a loan), and free of charge (that is, as part of a competition to subsidize the costs of creating your own business). Such programs today exist in almost all regions of the Russian Federation. In addition, this includes the financing of business projects by funds. In this case, competitive selection is carried out by evaluating your business plan.

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There is another option - this is debt financing, that is, for your business, you start taking a loan from a bank or debt obligations of legal entities and individuals. In this case, the process of obtaining financing may be limited to the provision of a detailed business project, on the basis of the assessment of which a loan will be provided (possibly on preferential terms).

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One of the financing options is leasing. It is associated with the transfer to use of equipment, vehicles and other types of property. The process of concluding a leasing agreement is not complicated. You only need to pay monthly payments. However, such a source of financing is suitable only for those who plan to launch a business, which will be based on this particular type of property.

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And finally, a rather risky way of financing a commercial project can be financing through advances to future users. Here, the main one is a description of the algorithm and clear terms for the delivery of goods or the provision of services to users. In this case, these points are fixed in the contract, therefore, compliance with these conditions is a guarantee of the successful start of your business.