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Enterprise and Venture Capital: A Business Builder’s and Investor’s Handbook
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Enterprise and Venture Capital: A Business Builder’s and Investor’s Handbook
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Human Capital: What It Is and Why People Invest It (Jossey-Bass Business & Man..
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Entrepreneurs that are hunting for funds when financing for business have had an increasingly difficult time navigating the treacherous waters of the financial landscape in the last 3 years. Many lenders have denied, restricted, or cut off many lines of credit in the wake of the worst financial crisis in 70 years.
In the meantime, there are a three key things that entrepreneurs need to remember when searching for working capital to continue to grow their operations:
1.) Consider the SBA, or an SBA backed loan first. With a mandate from the government to lend to small business through commerical banks, they are the first best choice for any type of business loan. The advantages are the low rates that can be offered. The cons are that comparatively few of these loans are actually being approved and funded. Often these loans require big amounts of documentation and long funding times. If credit is less than perfect, as many businesses are finding in these tough times, chances are this will not be an option.
2.) Those retailers that accept credit cards and have been denied by a bank can always try an unregulated, high rate and high fee merchant “cash advance” usually offered by their credit card payment processor. These are not actually business loans like an SBA loan, but are strictly speaking treated as “advances” based on future credit card receipts of the business. As such, they are not regulated as loans and have no restriction on the maximum interest rate that can be charged.
Often rates on this type of loan are in excess of 50% for a short term loan along with a stipulation to purchase new equipment and/or switch credit card processors. Typically, such advances will also place a UCC lien on the business, meaning that if the business was out of business or sold prior to the advance being paid off, the cash advance company would have a legal claim to the money before the owner. Often, interest rates can change upward during the repayment period.
3.) A cost effective alternative to a merchant cash advance loan is known as credit card receivable financing. This is a regulated business loan that will have rates that are 50-80% less costly than a merchant cash advance with no requirement to switch credit card processors or buy new equipment. There are also no upfront costs with this type of loan. These loans are also open to businesses with owner credit scores down to 550. Typical preapproval is a couple days, with most businesses receiving funds in 7 business days.
Financing for business in this economy is an ongoing challenge that just got a little easier. With a new lower cost alternative to a merchant cash advance, many business owners are finding that weathering the storm is not nearly as difficult as it once was.
Burger Island 1
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Burger Island 1
- As Patty Melton, the new owner of the tropical island-based Beach Burger restaurant, you must grill burgers, cook fries, and blend milkshakes all to order to earn money to spread your franchise all the way to the capital city of Honochuchu. Buy new recipes from the mysterious Tiki Guy, and watch your business erupt! Prepare orders in three different cooking modes: burgers, fries, and milkshake
BURGER ISLAND 1
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Sources of Business Capital
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Deusto Business School
Image by Miguel Ángel López Trujillo, el “Google Humano”
Moderador de la mesa redonda "Primeras rondas de financiación", junto con Adelmo Antelo (S*Concept), Alex d’Espona (BAN CAT) e Ignacio Lacunza (Innobasque).
Businesses that are growing require sources of capital. The capital in a company of course comes from the owner or borrowed funds. Generally speaking business owners prefer to borrow rather than sell equity in the company, as that sale of equity dilutes the ownership position, i.e. they own less of the pie! New equity can come from friends and family, venture capital firms, and angel investors. These parties are looking for good management, integrity, owner financial stake, and growth potential.
However, in the current difficult financial environment many lenders are in fact insisting that business owners put more of their own money into the company. There is never an easy answer when it comes to the debt or equity question.
When businesses borrow funds there is a cost to that capital – as interest on that debt reduces over-all profits. New equity in the company of course does not reduce those earnings, however the profits are distributed more widely and the earnings are proportionately reduced.
Borrowing funds of course comes with risk, as those loans must be repaid. Business owners sometimes get caught in the trap of financing long term projects with short term money – they are therefore at the mercy of having to always roll over that debt, and potentially also seeing rates go up, sometimes dramatically. Also, a business can carry only so much debt, at which point cash flow becomes a potential problem if the company is over leveraged.
Currently rates are very low for businesses that have access to capital. Therefore in many cases it might make sense to lock into longer term loans in the current attractive rate environment.
When the business owner has made the decision to purse business loans the old Boy Scout model works very well – BE PREAPRED! Business owners that do their homework will usually be successful. Lets not forget the banks and finance firms are actually in business to loan funds. Naturally collateral, or additional collateral certainly improves the chances of debt financing success and loan approval.
Debt and equity financing as a sources of capital should be used for the right reasons – expansion, seasonality of business, increased inventory and working capital that will increase sales. Funds that need to address business inadequacies such as poor management, financial losses, falling sales, etc are very difficult to come by!
In summary, business owners should carefully consider the positive and negative effects of additional debt or equity capital. Once they have made an informed decision, either on their own or with a trusted business advisor they should consider the cost of that capital and how it is best achieved.
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Deusto Business School
Image by Miguel Ángel López Trujillo, el “Google Humano”
Managing a business is not an easy thing to do. It requires skills as well as patience in order to become successful. But one of the most important things that you need to manage when it comes to operating your business is the business’ capital itself. This way, you may be able to maximize the amount of capital that you have even if you only have limited resources. Here are some tips on how you will be able to manage your business’ capital well.
Consider hiring an accountant in managing your business’ financials so that you may be able to ensure that you are doing the right things especially if in case that you do not have the sufficient knowledge when it comes to dealing with business financial matters. Make sure that you hire a competent and trustworthy accountant to ensure the success of your business.
The next thing that you may want to consider is that you need to conserve your business capital by not buying services that your business does not currently need. This way, you will be able to avoid wasting your business’ money with the services that your business does not necessarily need. You may also want to consider looking for the most affordable and yet efficient services that you can get by the time that you need it regardless of its type.
Another thing that you should consider is to purchase office equipment which can multi task such as a purchasing an all-in-one printer. This is one way for you to maximize the money that your business has and try to avoid spending on different equipment that you may not really need when it comes doing business processes.
Lastly, in connection with the previous tip, it is recommended that you just lease or rent an equipment if you can especially if you think that you will just use it for short period of time.
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Private Capital Markets: Valuation, Capitalization, and Transfer of Private Business Interests Reviews
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Private Capital Markets: Valuation, Capitalization, and Transfer of Private Business Interests
The private capital markets are the venue where debt and private equity investments are made, and private business interests are exchanged. Valuation is the common language uniting them, enabling participants in private capital markets to communicate and exchange interests. Written for CEOs, CFOs, business appraisers, lawyers, and venture capitalists, this book introduces private capital market theory as an integrated body of knowledge for the valuation, capitalization, and transfer of private companies, especially those with annual revenue between million to 0 million.
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Restoring Natural Capital: Science, Business, and Pract
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Vilnius Business Triangle
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high-rise buildings in the ‘Business Triangle’ of Vilnius
A lot of start-up entrepreneurs these days have become very creative when it comes to acquiring initial capital for their businesses. Capital has always been vital in the life of a business, for without it is even virtually impossible to start one. Searching for funds to be used as initial business capital is one of the first major concerns during a business’ planning stages.
At first, nobody would imagine that a credit card can actually be used as a way to finance a start-up business. We see that tiny plastic as something we use to shop for stuff or pay bills. It is not unusual for us to hear people telling supermarket counters or waiters, “Charge it!” but what is more unusual was to see a proprietor saying the same thing when it comes to business operations.
Most businesspeople prefer to acquire capital by using a portion of their savings or asking family and friends for assistance, although applying for a loan has become more convenient these days. What turned them of, however, was the red tape involved in applying for one, especially in banks. This is the exact reason why some of them chose to take more creative ways such as credit card financing.
Credit card financing is being used by some businesspeople, particularly start-ups, as a way to raise capital. Through the use of a credit card, a proprietor is able to acquire things such as equipment and materials. Such move has proven to be convenient, especially in maintaining the proper cash flow of the business.
However, credit card financing for a business is a very risky proposition. A lot of businesses collapsed and businesspeople buried deeper in debt due to mounting credit card bills that were used for capitalization. While it is convenient, credit card financing should only be temporary and be replaced soon by more traditional methods such as bank loans.
Credit card financing and other innovative ideas on acquiring capital for a start-up business are products of the resourcefulness and playful imagination of entrepreneurs. This same kind of resourcefulness and playful imagination is one reason why a lot of them succeeded in their business ventures. As long as those two things remain, expect businesspeople to be radically innovative in a lot of things, be it in launching a new business or introducing a new craze to consumers.
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London: Dark Capital 2
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In its aim to combat fraud in the Forex trading industry, the Commodity Futures Trading Commission (CFTC) proposed rules that are too restrictive and could totally hinder the growth of the Forex market.
Retail Forex dealers in the US has expressed concern over the matter saying that the proposed rulings are just too restrictive and may jeopardize growth in the industry. The said proposal will also make the U.S. Forex market less accessible to smaller investors. If approved, the rulings may also result to sending hundreds of jobs and millions of dollars in trades offshore.
U.S. dealers also formed an alliance, the Foreign Exchange Dealers Coalition (FXDC) to oppose CFTC’s proposal. In its website, FXDC urges traders to take action. “Tell the CFTC to say NO to harmful regulation of the Forex trading industry that would drive business, capital and jobs out of the United States.” The FXDC also opposes the following proposed changes:
Require all retail Forex industry players to register as retail foreign exchange dealers (RFEDs) with the CFTC.
Implement a million minimum net capital standard, with an additional volume-based minimum capital threshold.
Require retail foreign exchange dealers to collect security deposits in a minimum amount in order to limit the leverage available to their retail customers on such transactions at 10 to 1.
The FXDC also pointed out what will happen should the 10 to 1 leverage rule proposed by the CFTC be adopted:
90% of the hundreds of thousands of live accounts currently in the U.S. system can be expected to go offshore.
Thousands of high paying, white collar jobs that require an advanced education and range from software developers to accountants to foreign exchange dealers will be eliminated, or moved out of the United States.
The United States will cost itself billions of dollars in trade revenue.
Forex fraud will worsen, not improve.
Unregulated dealers from around the world will thrive as a result of the 10 to 1 leverage rule. These unregulated forex dealers don’t have to worry about capital requirements, risk management models, marketing ethics, dealing practices or even returning customers’ funds.
The retail forex market generates about billion per year in the U.S. alone. It continues to grow 20% each year contributing to the .2 trillion per day currency market. In January, CFTC Chairman Gary Gensler said in early this year that the rules “are important steps in implementing the additional consumer protections.”
http://tradingmastermind.com/ForexTradingLifestyle/retail-forex-dealers-to-cftc-rules-will-drive-business-capital-and-jobs-out-of-u-s
Private Capital Markets: Valuation, Capitalization, and Transfer of Private Business Interests (Wiley Finance)
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Private Capital Markets: Valuation, Capitalization, and Transfer of Private Business Interests (Wiley Finance)
A theoretical and practical guide that enables readers to make sound investment and financing decisions
This book is a technical finance book that surveys the private capital markets—the major uncharted financial market. Representing nearly half of the U.S. gross national product, these markets are largely ignored, partially because of the difficulty obtaining information and because of the lack of a unified structure to approach them. This book provides a structured framework that owner-managers and their professional advisors can use to effectively deal with the complicated issues of valuation and capital structure and transfer issues.
Robert T. Slee, CBA, CPIM (Charlotte, NC), is President of Robertson Foley, an investment banking firm providing corporate finance service to private companies.
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Starting a business is a gigantic risk. The result may either be boon or bane. But it would be encouraging to know that those who have tasted success were the ones who were not afraid and took the necessary risks. Running a business takes money, and unfortunately in all businesses there are times when you might come up a little short, and need some funding or financing.
Right from conceiving an idea to business, finance is needed to promote or establish the business, acquire fixed assets, make investigations such as market surveys, etc., develop product, keep men and machine at work, encourages management to make progress and create values. Even an existing concern may require further finance for making improvement or expanding the business. Thus the importance of finance cannot be over-emphasized and the subject of business funding becomes important to entrepreneurs of small or big organistaions.There are different ways in which an entrepreneur can obtain startup capital for their new business. They can start by asking family members and friends for financial support. They can also go about raising capital in a more formal manner by seeking the help of investors or visiting the local bank for a small business loan.
There are two basic ways of funding or financing a business: debt and equity. When you get a loan that means you incur debt. Loans are debt financing you borrow money and must pay it back, with interest, within a certain timeframe. This is one option for funding your business. Any business owner can tell you, the way to get approved for a loan is usually through the path of assets and more importantly, building business credit. The first place everyone thinks of when searching for funding sources is the bank. Of course, your local bank may be willing to supply you with money flow, but it usually denies new business owners looking for a startup loan. This is because you have no business credit. Before you try going to a bank for money make sure you have good personal credit, business credit, and an excellent business plan. While each option offers different advantages and disadvantages, it is always a wise idea to treat every prospective lender as a business professional by planning with them the repayment time frame and interest rate. The key to any of the above methods to find funding is to have a well-written business plan, which will prove that the entrepreneur is serious about his/her new business.
Business capital is extremely important for any business and ultimately will determine a business’s success especially in cities as Newyork and Florida where there exist a cut throat competition among businesses. If your business has easy access to business capital then you have a serious advantage over your competitor. One of the great ways to get capital for your business is through business loans florida.
While there are different funding sources available, it is important for entrepreneurs to weigh all of their options. Successfully finding a good funding for your business idea will require careful planning, tedious research work and a lot of patience. You must have a strong desire and unflinching determination to succeed in your endeavors.
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Maxims, Morals, and Metaphors: A Primer on Venture Capital
As an experienced entrepreneur, technologist, and venture capitalist, Scott Chou brings you on the inside of today s startup world. Maxims, Morals, and Metaphors is a humorous and profound compilation of business metaphors assembled to teach the art of venture capital as outlined in popular textbooks. However, in contrast to the daunting encyclopedic approach taken by many conventional textbooks, this audiobook seeks to provide longer term retention for the average listener through wit and wisdom. Students of venture capital and experienced venture capitalists in search of teaching tools are the target audience for this book. For all practitioners of venture capital, this audiobook is not so much about learning something new as much as it is about bringing best practices to the subconscious level where they can be instantly relied upon for the innumerable snap judgments that are typical of the industry.
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The Memory Company Washington Capitals Business Card Holder NHL-WCA-565
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El “Google Humano” coach en el Venture Academy de la Sophia-Antipolis Business Angels Association (Francia)
Image by Miguel Ángel López Trujillo, el “Google Humano”
Hablando con los inversores durante el briefing previo a las sesiones de coaching.
Talking with the business angles during the briefing before the coaching sessions.
Clearly this is not a great market to be a small business trying to raise capital. Banks and other lenders are still holding back out of fear that this crisis is not yet over.
In the mean time, your business is still struggling to either remain afloat or find the capital it needs to grow (which is what everyone wants – but no one is willing to take the first step).
While this is a tough market for traditional business loans, there are a few alternatives that are flourishing – actually making up in some places where banks and other major financial institutions are lacking.
There are three factors that need to be followed in today’s economy to secure a loan for your business.
First, if what you are doing is not working, quit doing it and try something different. There is no point in continually hitting your head against a wall.
In order to try something different, you must first start researching and understanding the numerous other options that are open to all small or growing businesses – then pursue the best option. Much better to spend your time and energy looking for ways that will work for you and your business then it is to continuously fight against forces you cannot control.
Second, get creative. If the banks are saying “no” then look for other lenders or capital sources that say “yes”. There still remains a lot of money in this economy from personal wealth to private investment – money that can be tapped for the right deal.
Banks and other financial intermediaries are only paying fractions of percentages for deposits or CDs. The stock market looks as if it has hit a new plateau – showing little signs of huge returns for investors – professional or private. This means that those with extra capital are seeking new ways to employ those funds for better earnings and if you want to tap those sources, you have to get out there, locate them and creatively convince them to invest or lend to you – which mean showing them and educating them about your particular business and its benefits.
Get out and network in your community. Ask people for a loan or investment. They may have not even considered this option until you mention it to them – offer returns for their funds at levels that they could not get elsewhere – what other option do you have but to create your own lending market or capital resource bases.
Or, look to the new social lending industry that has really cropped up over the last few years. Many of these social networks or peer-to-peer lending sites offer unique ways for those seeking capital to meet and network with others who have capital and are looking for better returns.
Lastly, piece your needs together. More times than not, most new or young business owners think that their best financing scheme is to get an all-inclusive business loan – a single loan to meet all of their financing needs. But, this is just not the case today.
Asking for too much at one time can create many new problems – like putting your loan request over the limit the lender is comfortable with or authorized to make or makes the deal just to complex for a lender in terms of valuing different collateral or matching different needs with different risks and terms – making it all too easy for the lender to walk away in search of easier bounty.
The goal here is to match funding sources with each business capital need. Thus, if your business needs both new equipment and working capital to complete some new orders or service additional customers – then seek out lenders who deal specifically with each of those types of loans.
Find an equipment lender that works with businesses in your stage of development and industry. For working capital specific to completing orders or building the business (not to cover overhead expenses like payroll or marketing) – look first to your current business assets like accounts receivable or purchase orders and lenders who deal with these specific types of funding activity – thus using the assts you already have or are working on to secure the capital specifically for them – letting those specific assets earn more revenue or customers for your business.
Finding capital in this market is not easy, or at least the traditional ways are not easy for new or growing businesses. But, that does not have to stop you. You are an entrepreneur after all and entrepreneurs find was to get things done – even finding capital in a bad lending market.
All it takes is a willingness to stop doing what has already proven not to work and put those efforts into finding ways that do work – it really is that simple and it starts with you.
This video highlights what is spoken about when we talk about the capital structure of a company – effectively the structure of that company’s financing, which is very tied to the right side of that company’s balance sheet – for the book values, as well as the market values of the items on the right side of the balance sheet.
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Taxi driver awaits brisk business during lunch hour
Image by teddy-rised
Making our way to the Masjid Jamek station, a lone taxi waits for passengers at the side of the road. Since it’s lunch time, the driver would most probably be expecting brisk business, but also be facing the prospects of being stuck in a nasty downtown rush hour traffic congestion. The main thoroughfare nearby has only 4 lanes of traffic split equally between two directions. Adding to the woes are the Puduraya bus terminal nearby. Desperate bus drivers weave in and out of traffic while motorcyclists squeeze between the tight spaces between lanes.
Oh, and nowadays little Malaysian taxis charge you by the meter. They will usually ask for your intended destination and then quote a price (which is around 2 to 3 times more expensive if the driver uses a meter), but the drivers have their own woes to face – the low fares by charging based on mileage and waiting time can barely help them make a living. It tarnishes the nation’s reputation as many black sheeps quote sky high prices, but it’s a largely accepted norm as we all understand that it’s not easy to make a living as a taxi driver. Many of them hold part time jobs elsewhere, usually directly after their working hours as a driver. Even the friendly taxi driver my family is acquianted with charge by quoting a reasonable price.
For the write up of the entire trip, check out this post on my blog 
Finding funding opportunities to get your new business off the ground and running is not as difficult as some people think. While you do need to have a few things in place such as a quality business plan and decent credit, there are numerous avenues for you to explore to get your new business started. Funding opportunities can range from asking your family members for business capital to receiving grants from the federal or state governments. Whichever works the best for your unique situation is up for you to decide. Funding opportunities are everywhere and the most widely used one is visiting your local bank.
A financial institution usually has a variety of different packages and there’s usually something to meet everyone’s requirements. Don’t just go to your own bank, look around for a good deal and do your pitch to various lenders. If you think you have more of a chance of obtaining business capital from your own bank where you already have a strong relationship and good financial history, then don’t put it first on your list of visits. It would be wise if you present your case to a few different lenders first to hone your presentation and persuasion skills.
Even if you can’t find a lender to give you business capital for your new business, there is a government program that may be able to help. The Small Business Administration offers new business prospects an extensive amount of information about funding opportunities. They are a great resource to getting your new business going. With so many different funding opportunities available for people interested in starting a new business, it pays to research your options. By finding what is best for you and your new business, you will be able to get your dreams going on the right path.
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United States Mint’s 50 State Quarters Cufflinks
- Celebrate Youre State!
- Authentic State Coin Cufflinks
- Money Back Guarantee if not 100% Satisfied
- Free Black Gift Box
Collectible 50 State Quarter Coin Cufflinks W/Box!! Handmade in the USA by a local artist, these State Quarter Cufflinks are a tribute to the states! The artist uses real quarters and mounts each individual quarter on a silver bullet back setting. Each pair comes with a black gift box. Matching sets aren’t guaranteed (please email us to check for a particular state). If you email us before buying we can check to see if we have your state.
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Cufflink Description:
o Hand Made in the USA!
o Free Gift Box Included
o Money Back if not 100% Satisfied
Launched in 1999, the United States Mint’s 50 State Quarters Program was a 10-year initiative that honored each of the nation’s states in the order that they ratified the Constitution or were admitted into the Union. Each quarter was produced for about 10 weeks and will never be produced again. State designs are displayed on the reverse (tails) of the quarters, while the obverse design displays the familiar image of George Washington. But, to accommodate state designs on the reverse, the words “United States of America,” “Quarter Dollar,” “Liberty,” and “In God We Trust” all appear on the obverse.
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