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Debt Financing FAQs

Crowdfunding, venture capital, angel investing?

Crowdfunding, venture capital, angel investing – there seem to be so many different ways to get funding for my business. Which one is best and are there any downsides to letting other people own a share of my company? Eleanor Lawrie of This is Money replies: You could feel like a kid in a sweet shop when it comes to the different forms of investment on offer for your small business. But while the offer of ‘free money’ may sound tempting, ...

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7 Sources of Financing

Financing a business acquisition can be as simple or as creative as you choose to make it – there are at least seven funding sources you can mix and match! As in any other endeavor, the person who is fully prepared has the advantage. The keys to the process are ‘know how’ and ‘know where.’ Business Plan – a Must ! You need a business plan to approach any investor or lender. This is where ‘know how’ comes in. You ...

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How to Successfully get Project Funding?

Project funding is an important part of many industries and businesses, from the transportation industry to sports stadiums to business acquisitions. Getting the project funding needed is often the biggest hurdle one faces when trying to get a project underway. Residential development from apartment complexes to condominiums and commercial developments from golf courses to hospital and medical facilities all need funding to get built and operating. Project funding is a tricky area with much competition. No matter what type of ...

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Capital Sources for the Emerging Businesses

Internal Financing – Owners, Family, Friends & Others Earnings Venture Capital Commercial Lending; Government Sources Strategic Alliances; M&A Private Placements “Going Public” (1) Internal Financing – Owners, Family, Friends & Others Infusion of additional owner funds; benefit of maintaining control Investment (or loans) by family members and friends Possible investment by customers, suppliers, other business relations Stock in lieu of cash for employees (2) Earnings Often not mentioned–internal earnings, cash flow, if sufficient and managed properly and effectively, can provide ...

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How to Raise Capital for Your Business

Launching a new business requires much skill and preparation. Entrepreneurs may not have the resources to raise capital in order to market their new business ideas; therefore, some great business ideas never become commercialized. This is a common dilemma that many entrepreneurs face. They often speculate about how to raise capital and same time, are unsure about how their startup will have the needed financial security to properly stay on track. Before a new business owner can raise capital for ...

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How SME Bank Can Help You

SME Bank or Bank Perusahaan Kecil dan Sederhana exists since a couple of years ago (2005 in exact) and the objective of the establishment is to help developing Small Medium Enterprises (SMEs) in Malaysia. SME Bank also acts as a one-stop financial solution provider for aspiring businessmen. If you thought of quitting your job and secure financial loans for your start up business then SME Bank’s help can be handy. The Definition of an SME Before you approach the SME ...

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How to get faster business loan

MY previous article was about the importance of a good business plan to capture the attention of bankers, or potential investors. Many have asked me about a business plan to get a loan. Generally, there are four broad stages in the loan application process – the preparation of the business plan, the submission of the loan application, and the assessment and approval of the said application. Stage 1: Preparing the funding memorandum. To facilitate the loan-processing procedure, it is important ...

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Project Financing Strategy

When it comes to Project Finance, if you need the cash yesterday, please do not apply. Project Finance is precise and onerous and requires months of work and planning. It is not the cheapest form of finance, but it does provide for ‘Greenfield’ solutions, based on projected cashflows. Moreover, Project Finance has some additional benefits for the company, which include: Allows the company to ‘ring-fence’ the project and not affect its balance sheet or borrowing power. Lending of funds is ...

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12 Tips for Getting Your Bank Loan Approved

Without a previous track record in business, securing a bank loan may be difficult. Banks cite risk factors and increasing costs of servicing small accounts as the primary reasons for minimizing their exposure to small businesses. Still, it can be done. Here are the steps that you should take to improve your chances of getting that much-needed bank loan: 1. Keep in mind that to stay in business banks need to make loans. Do not be afraid to ask for ...

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