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Rude, prieteni, cunostinte

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Warning: mktime() [function.mktime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Helsinki' for 'EET/2.0/no DST' instead in /home/basepoat/public_html/includes/mambo.php on line 2537

Warning: strftime() [function.strftime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Helsinki' for 'EET/2.0/no DST' instead in /home/basepoat/public_html/includes/mambo.php on line 2538

Aceasta metoda este foarte des utilizata, mai ales pentru afacerile noi (start-up), dar trebuie sa stii care sunt avantajele si dezavantajele ei:

Avantaje:
  • sanse ridicate de a obtine banii

  • posibilitatea de a restitui imprumutul intr-o perioada mai lunga de timp

Dezavantaje:

  • vei obtine sume mici, ceea ce iti va limita accesul la idei de afaceri mai ample

  • nu vei fi nevoit sa realizezi un plan de afaceri coerent (intrucat bani ii vei obtine pe criterii mai mult sentimentale decat obiective), deci nu vei avea o pregatire prealabila lansarii in afacere

Chiar daca iti poti obtine banii de la prieteni sau rude, gandeste-te cat vei putea aduna, si, mai important, daca vei sti ce sa faci cu ei dupa ce i-ai strans. Multi antreprenori esueaza din cauza lipsei unui plan bine pus la punct (si, in consecinta, din cauza proastei administrari a fondurilor).

In momentul in care soliciti bani pentru o afacere de la o banca sau de la un program de finantare, va trebui sa demonstrezi ca stii ce vei face cu acei bani. Planul tau de afaceri va fi analizat si, daca vei obtine finantarea, inseamna ca este viabil si ca afacerea are sanse de reusita.

Pe de alta parte, dupa cum vei vedea, ponderea economiilor personale in lansarea afacerii are un rol important, mai ales in vederea obtinerii unei finantari substantiale din alte surse. Creditorii vor fi intotdeauna interesati de contributia ta financiara la lansarea afacerii, privind-o ca pe o garantie a seriozitatii si interesului.

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