{"id":10931,"date":"2017-12-09T11:11:03","date_gmt":"2017-12-09T08:11:03","guid":{"rendered":"https:\/\/www.ibtdi.com\/?p=10931"},"modified":"2017-12-09T02:30:11","modified_gmt":"2017-12-08T23:30:11","slug":"%d9%a1%d9%a0-%d8%b7%d8%b1%d9%82-%d9%84%d8%ac%d9%85%d8%b9-%d8%a7%d9%84%d9%85%d8%a7%d9%84-%d9%84%d9%85%d8%b4%d8%b1%d9%88%d8%b9%d9%83-%d9%85%d9%86-%d8%af%d9%88%d9%86-%d8%a7%d9%84%d8%ad%d8%a7%d8%ac%d8%a9","status":"publish","type":"post","link":"https:\/\/www.ibtdi.com\/en\/%d9%a1%d9%a0-%d8%b7%d8%b1%d9%82-%d9%84%d8%ac%d9%85%d8%b9-%d8%a7%d9%84%d9%85%d8%a7%d9%84-%d9%84%d9%85%d8%b4%d8%b1%d9%88%d8%b9%d9%83-%d9%85%d9%86-%d8%af%d9%88%d9%86-%d8%a7%d9%84%d8%ad%d8%a7%d8%ac%d8%a9\/","title":{"rendered":"10 Ways to Raise Money for Your Business Without a Bank Loan"},"content":{"rendered":"
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\"Image<\/a><\/p>\n

Thousands of entrepreneurs are looking for alternative ways to raise money to start their businesses<\/a>, so if you\u2019re an entrepreneur, this article will give you a useful guide to the tools <\/span><\/p>\n

and options available for raising funds.<\/span><\/p>\n

.<\/p>\n

1\/ Initial borrowing:<\/span><\/h2>\n

If you want to start a particular business, you may be able to take out a government loan. These loans are unsecured and can be for up to \u20ac25,000, and you must <\/span><\/p>\n

For use on projects only, with the loan repaid at an interest rate of 6%.<\/span><\/p>\n

.<\/p>\n

2\/ Bank overdraft:<\/span><\/h2>\n

A bank overdraft provides quick access to cash for companies with fluctuating income. Most major banks charge fees on the amount <\/span><\/p>\n

withdrawn, while some banks offer tailored packages for new businesses.<\/span><\/p>\n

.<\/p>\n

3\/ Advance payment:<\/span><\/h2>\n

Some large companies allow businesses to receive an advance before their debts and invoices are paid.<\/span><\/p>\n

Once an agreement is reached, the funder purchases a fixed percentage of your receivables or credit card payments at a discount and transfers the funds to your personal account, usually within 10 days. The loan is then <\/span><\/p>\n

repaid on a set schedule at the rate agreed upon in advance. The interest rate is between 10% and 20%. With this cash advance, you can secure nearly <\/span><\/p>\n

\u20ac100,000 without the burden of making monthly loan payments, since you can repay the amount when your customers pay your business.<\/span><\/p>\n

.<\/p>\n

4\/ Financial assets:<\/span><\/h2>\n

Loans secured by personal assets are similar to mortgages: you borrow money by pledging one of your personal assets. If you are unable to <\/span><\/p>\n

repay the loan, the pledged asset is repossessed. Assets that can be used as collateral include:<\/span><\/p>\n

\u0661\/ \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/span><\/p>\n

2\/ Warehouses and equipment<\/span><\/p>\n

5\/ Bill payment companies:<\/span><\/p>\n

When a business owner urgently needs cash but cannot collect payments from customers until a later date, they may turn to bill payment companies, <\/span><\/p>\n

which pay the business\u2019s bills in exchange for receiving the amount owed, plus a specified fee, once they collect it.<\/span><\/p>\n

.<\/p>\n

6\/ Investor partner:<\/span><\/p>\n

Some investors may be interested in investing in your project if you can impress them, provided they become partners in the project.<\/span><\/p>\n

The idea of attracting an investor isn\u2019t necessarily intimidating. If you can forecast how much your project will grow and are willing to give up a share <\/span><\/p>\n

of your project in exchange for a partnership with an investor, it could be a step forward for your project.<\/span><\/p>\n

.<\/p>\n

7\/ Crowdfunding:<\/span><\/h2>\n

This is similar to charity fundraising, but in the business world. People gather on crowdfunding platforms such as Kickstarter<\/span><\/p>\n

and Crowdcube. If you\u2019re interested in raising money this way, you should explore these platforms and learn how they work.<\/span><\/p>\n

.<\/p>\n

8\/ Peer-to-peer loans:<\/span><\/h2>\n

There are platforms such as Zopa and Funding Circle that connect you directly with lenders, fostering a personal relationship between the two parties built on patience. <\/span><\/p>\n

and trust. These websites reduce the interest charges for borrowers who repay early, while adding a nominal fee of \u20ac130.<\/span><\/p>\n

.<\/p>\n

9\/ Microloans:<\/span><\/h2>\n

If you need a small amount of money, consider a microloan tailored to your needs. A number of companies in the United Kingdom <\/span><\/p>\n

offer microloans ranging from \u20ac5,000 to \u20ac25,000, with flexible repayment terms.<\/span><\/p>\n

.<\/p>\n

10\/ Family loan:<\/span><\/h2>\n

If you want to keep things simple, your family may be able to provide a suitable amount of funding. Relatives and friends may trust you more than others, and they often <\/span><\/p>\n

charge little or no interest, unlike commercial lending platforms.<\/span><\/p>\n

In conclusion, business owners should research carefully and find the best solution when they need a loan.<\/span><\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

\u0627\u0644\u0627\u0644\u0627\u0641 \u0645\u0646 \u0627\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u0637\u0631\u0642 \u0628\u062f\u064a\u0644\u0629 \u0644\u062c\u0645\u0639 \u0627\u0644\u0645\u0627\u0644 \u0644\u0628\u062f\u0623 \u0645\u0634\u0627\u0631\u064a\u0639\u0647\u0645\u060c \u0641\u0627\u0630\u0627 \u0643\u0646\u062a \u0635\u0627\u062d\u0628 \u0645\u0634\u0631\u0648\u0639 \u0633\u062a\u0648\u0641\u0631 \u0644\u0643 \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 \u062f\u0644\u064a\u0644 \u062c\u064a\u062f \u0644\u0644\u0627\u062f\u0648\u0627\u062a \u0648\u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0648\u0641\u0631\u0629 \u0644\u062f\u064a\u0643 [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":10968,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_ibtdi_aa_focus_keyword":"","_ibtdi_aa_secondary_keywords":"","_ibtdi_aa_audience":"","_ibtdi_aa_tone":"","_ibtdi_aa_summary":"","_ibtdi_aa_reviewer_name":"","_ibtdi_aa_reviewer_bio":"","_ibtdi_aa_reviewer_url":"","_ibtdi_aa_reviewed_date":"","_ibtdi_aa_service_id":"","_ibtdi_aa_related_ids":"","_ibtdi_aa_human_reviewed":"","_ibtdi_aa_disable":"","_ibtdi_aa_disable_links":"","_ibtdi_aa_sources":"","_ibtdi_aa_update_notes":"","footnotes":""},"categories":[491],"tags":[2650,2227,2078,14496,2602,14497,2093,6553,1320,10506,14494,798,14495,1549],"class_list":["post-10931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-491","tag-2650","tag-2227","tag-2078","tag-14496","tag-2602","tag-14497","tag-2093","tag-6553","tag-1320","tag-10506","tag-14494","tag-798","tag-14495","tag-1549"],"_links":{"self":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/10931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/comments?post=10931"}],"version-history":[{"count":0,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/10931\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media\/10968"}],"wp:attachment":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media?parent=10931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/categories?post=10931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/tags?post=10931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}