We need a private investor for business. Looking for an investment project

The article was written by an experienced entrepreneur who has experience in attracting investments in his own innovative projects and third-party startups, collaborating with companies such as IC Finam, SBAR, Private Capital, etc.

First, a small but very important introduction:

Finding an investor willing to invest money in a new business is both simple and difficult. I’ll tell you how to find it below, but first I want to ask you: “Why do you want to attract an investor to your own business?”

No, I do not reject such an important and useful institute for a start-up business as “Investor”. In most cases, without an investor and attracting third-party money, a business simply cannot be created and launched.

I'm asking about something else:

“Are all your resources exhausted?”
“Does your business need an investor at all?”

Are you sure your project needs it? Do you think that an investor is pure “chocolate” and manna from heaven? Are you wrong?

To better understand these difficult issues, I suggest that you first and without fail read these articles:

Article: “Does a startup always need an investor with money?”
Article: “Investing in a startup, what problems might there be?”
Article: “Finding an investor for a startup or why does the investor say “no”?

Where to start looking for an investor for a business?

Do you need an investor to start a business, but you don’t know where to find one? Let's start with this.

First of all, I want to say the most correct and most banal thing: “To create a business, an investor can be found anywhere.” Everywhere. At every step. Even by extending your hand, you can feel the “strong shoulder of a friend” who can become an investor in your new project.

Therefore, for those who are looking for an investor for a start-up business, it is more important to understand not where to look, but how to look and, most importantly, how to convince a person or group of people to invest in your business.

Finding an investor is not a problem, the problem is making him a partner.

Below we will look at most of the possible “places” where you can and should look for an investor, and now I will try to focus your attention on one of the most important points - preparing to search for a future investor.

For many years now, there has been a story circulating on the Internet about how someone walked into an elevator and literally in two minutes, talking about his project, received almost millions of dollars from an investor.

I can fully admit that this is a true story. You never know how many poor and rich people wander around the world.

Perhaps someone fell for this. But in life everything is much more complicated and you won’t be able to find an investor “out of the box” without preparation.

To understand why, I will ask you: “Are you willing to give to a stranger your hard-earned 25,000 rubles. simply because he promises mountains of gold”? I think not.

You will study the offer, promises, etc. Why then do many of those who are looking for money for a project think that this money can be found without careful preparation?

In order to find serious money for a serious project, the minimum that you should have on hand is a business plan for the future project and its presentation with provisions on the benefits received by a possible investor.

A business plan can be replaced with a feasibility study (feasibility study), but it is better to have a full-fledged business plan. All the same, then the right investor will demand such a business plan in order to protect their money as much as possible.

Having read on Wikipedia and understood what a business angel is, an investment applicant can prepare (by creating a business plan and presentation) and contact directly the most serious organization in Russia that helps attract money from private investors to business - “SBAR” (Community of Business Angels of Russia) . There are other similar communities, but I advise you to contact them first.

The fact is that several years ago I promoted one of my inventions through SBAR.

Looking ahead, I want to say that my project never received the investments it needed.

But communication with representatives of SBAR, its managers preparing projects for the investment session and with those investors who were found with their help, “forever” cleared my brain regarding my innovation.

And understanding of innovative business in general.

Yes, I did not receive investment in the project with the help of SBAR, but the knowledge and experience that I gained by promoting the project with their help helped me get investment for another project quickly and comfortably. “There is no such thing as too much knowledge, just like money.”

By the way, I proposed my project to the National Network of Business Angels “Private Capital” in Moscow. There my project was immediately rejected. But I was not upset and continued the search.

This is what I wish for you: do not lose heart when rejected and continue searching for an investor.) In general, if you are rejected again, this does not mean that your project is bad. It may not be groundbreaking and won't change the world, but the harder you push it, the more likely you are to succeed.

Where and how to get money for a startup

This video explains: The legendary Russian Internet entrepreneur Anton Nosik shares his thoughts and best practices on how and where to look for your investors and how not to make a mistake.

Where to find investors for an online business?

Nowadays on the Internet you can often see advertisements like this: “Looking for an investor in a small business.” On message boards, special resources for aspiring entrepreneurs and innovators.

You can also take advantage of this opportunity and submit your ad. Perhaps this way you will find your investor, but the chances of success will be minimal. It is best to contact investors directly.

What do I mean when I say: targeted. This means that you need to prepare, collect a list of those Internet resources through which you can contact future and real investors.

Do you know why it is necessary to contact investors directly? I'll try to explain based on my own experience. Several years ago I decided to create my own extensive resource base where I could advertise for investment in a very interesting project.

I approached data collection with all responsibility and within a month I collected everything that could be found on the RuNet at that time. Including foreign investment funds. Rowing, as they say, everything that caught the eye and barely “moved.”

What was the result after I sent out my proposal to all these funds, communities, centers, technology parks, etc.?

Zero! Pure and virgin!

Russia and Ukraine is the first step to starting a successful business with an easy and simple start.

When making a decision to purchase a franchise, you need to consult the professional recommendations in this section:

You can read about the latest news and trends in franchise business

Do you know who I received “encouraging” replies and offers of investment from? From those who provided paid services for searching for investments. Like: “You have a wonderful project, with our help you will change the world with your idea... but first we need to pay the Nth amount of money.” Is everything clear?

Don't waste your time on such empty hassles. No, I do not deny that on such message boards, forums, etc. you can find your investor. This is possible, but the chances are slim.

Most of the “investors” on such resources are those who have no money, but want to foolishly scam you out of money. And they're getting scammed. And how they cheat!

Why am I talking all about sad things!

Look for money for a project on collective investment services. In my opinion, today the best crowdfunding platforms in Russia are the following resources:

• boomstarter.ru
• planeta.ru

If your business is created on an innovative idea, then I advise you to contact the Skolkovo Foundation https://community.sk.ru/news/ or technopark "Strogino". These are state or near state structures, it is not easy to get into them, but it is possible.

An example of such a “hit” can be: Project Corteos and project "On Veliki".

Works productively in Russia Russian Startup Tour. This is the longest regional tour of leading experts Russian institutions development with the participation of venture funds and major corporations. Perhaps your business or your innovation will be of interest to a large corporation, and it will provide it with investment?

I recently came across an offer from the creators of the City of Money service. City of Money is an online platform for loans for business and investment. I don’t want to give a link, I haven’t used it myself, find it and google it, but as stated on their website, this is a platform where investors and borrowers can contact each other directly, without intermediaries.

Well, the most likely thing is to take money from the bank. Either under a program to help start-up businesses, for example from Sberbank, or in the form consumer loan. Many aspiring entrepreneurs started this way. They took money from the bank in the form of a consumer loan and started their own business. Many people succeeded.

The main thing is to find an investor

This video explains: An interview with the creator of the legendary Ozon online store, Alexander Egorov, in which he talks about the difficulties of finding investments and difficult relationships with investors that led to the sale of the business.

Investors for business in Moscow

Advertisements like: “Looking for investors for business development in Moscow” or: “Looking for an investor for business in Ukraine”, in my opinion, are incorrect.

In the first case, it is not particularly important for the investor where the business created on a breakthrough technology or idea is located, and in the second, it makes no sense to look for an investor in Ukraine in our time (known political events). Which serious investor would invest money in a business operating in a country with a declining economy?

Let's focus on finding an investor in Moscow. I personally would not make any distinction in the geographic location of the investor, but if I did, I would turn to such resources as "Managers Club - E-executive." Do you know why? Yes, because 90% of the people shuffling there are managers from Moscow who have money.

Moreover, there are many managers with money who are already “ripe” for their own business. Do you understand? There is money, there is a desire to create a business, there is experience, but there is no time to fully devote oneself to a new business.

Not everyone is ready to leave the post of general manager of some oil company, even for the sake of their own business. Exit: find a head-first idea generator, invest money in him, his team and his idea, and everyone will be in chocolate.

This is educational: Strategy for startups

This video explains: A very interesting and original speech by Yuri Lifshits, which can be titled with humor: “A startup is not the whole life.” Yuri tells how to properly organize and build a startup strategy that will be key to your success.

An investor is looking for business projects and... does not find a suitable one

90% of new business creation projects do not receive investment because the business initiator is to blame. His main fault is that he either incorrectly emphasizes the business plan for the investor, or incorrectly creates the presentation of the project.

Here you need to understand the most important thing - how the investor considers applications.

In 95 cases out of 100, the investor sees only the main indicators provided by the project initiator:

• whether he is satisfied with the financial performance of the project;
• project payback period;
• project risks;
• and options for exiting the project.

The investor will read and consider the remaining indicators only when he is interested in the points that I listed above. Many people are still interested in having a project team, but this is not such an important point in my opinion. Or rather important, but later.

I will tell you how one of our projects was considered in IC "Finam". Looking ahead, I’ll say that my partner and I cheated a little when creating the presentation. Knowing in advance that we would be sending our presentation to Finam, we carefully prepared.

Having found out what projects this fund, respected in Russia, invests in, we found common “features” inherent in our project and those projects in which the fund has already invested. And these “traits” and features were especially emphasized in their presentation.

You can study the numerous experiences of other entrepreneurs who have created their own successful franchise business in the section of our website:

The most successful and informative case, according to the editors of the Russtarup portal:

An interesting experience of creating a business under a franchising program is presented

“Focus” passed, and we were invited to a conversation. Did we deceive the fund or not? No, of course not, we just did our presentation correctly. Did this help us in the end? No. Finam did not finance our project.

But we found investments in another place and from other investors, talking about how our project received very good reviews in Finam.

Now let’s talk about how to draw up a business plan, an example of which will satisfy everyone. Or rather, about the small features of such a composition. So to speak: “A business plan for an investor, an example from my own life.”

What you write like: “The project will earn up to $100 million a year in two years” is of no particular interest to anyone. In my practice, any applications of this type are checked very quickly.

The main thing that needs to be emphasized in a business plan is to carefully and responsibly approach the creation of points:

• what problems do the project solve for people?
• project risks;
• options for investor exit from the project.

When describing the risks of the project, you must clearly understand what risks your proposal may encounter during its implementation and in the future. Including competitive risks and risks called force majeure.

When describing options for an investor to exit a project, you must clearly write what you agree to in building a relationship with the investor. Here you need to understand the main thing - an investor investing in a project wants to make money. Make a profit. Explosive profits are desired.

All other motives that are important to you personally, for example, to create a unique business, to be the first in the industry, to prove something to your wife... the investor does not care at all.

Therefore, he must clearly understand how and when he will be able to sell his share in the business being created.

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A loan from a private investor is an opportunity to take out a loan. But a potential borrower needs to know the best way to do this, since scammers often pose as a private investor, offer to issue a loan online or offline, take an advance, and then simply disappear.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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General provisions

A private investor is a person who lends money at a certain interest rate. The investor issues personal savings.

Some of the investors are ready to provide not only apartments, that is, with security, but also without it.

How to find a bona fide investor? This is the question most often asked by potential lenders.

They come to the aid of private message boards, where real, not fictional, characters offer their proposals for loans.

The bulletin board contains several headings; you need to choose the one that says about help in getting a loan.

Usually private investors place their advertisements there. An alternative to this method can be lending exchanges.

But the difficulty is that the potential borrower must go through a difficult selection process by filling out and uploading a copy of the passport, work book etc.

This is not the easiest option to find a private investor, and besides, such exchanges often check the person.

And logically, it is not the most favorable - otherwise a person would not experience difficulties in obtaining a traditional credit banking product.

Private individuals are creditors who are not affiliated with organizations and do not pursue their interests. They issue personal money at interest rates.

What is it

A private lender does not represent the interests of an organization, bank or microfinance organization. These are people who lend their personal money at interest.

Often private investors turn out to be ordinary scammers. You should be careful when accessing them.

To protect yourself from fraudsters, you must strictly follow several rules:

Indicators	Description
Setting up a meeting with a potential lender in a public place	if a person begins to refuse, looking for a minor reason for this, it is better not to have anything to do with him
If a future lender asks for an advance payment for their services, then this is most likely a scammer	it doesn’t matter what the creditor says, what reason he comes up with to justify himself. Here is a typical scammer who will disappear with the money. Usually, scammers say that they use the money and advance payment for commissions for transferring money, checking KI, insurance, and paying for notary services. This is a lie, you shouldn't believe it
Correct execution of the loan agreement	in principle, in these legal relations, it is not the microloan agreement itself that is decisive, but the presence of a receipt. If the funds were transferred in cash, then only this document will serve as proof of their receipt/transfer. If the loan was issued by bank transfer through a bank, then the proof will be a bank order

What characterizes private loans is that the investor approaches each potential client individually.

You can find private investors who provide loans without collateral. To help future clients, a private loan exchange. Of course, unsecured loans are rare.

To find out the terms of a loan, you need to write a letter to the investor, asking him for details, conditions, criteria by which this person usually cooperates with borrowers.

In addition, the term of the loan, as well as the procedure for its repayment, is very important in this information. The percentage rate is also important.

Requirements for the borrower

The main requirements are:

Advantages and Disadvantages

The main advantage of obtaining a loan from a private person is that there is no need to provide him with documents. This is a certificate of income from the place of work, a copy of the work record book.

If the investor has doubts that the debt will be repaid, he can ask for collateral.

In addition, it is equally important that there is the possibility of personal contact with the lender. During a personal conversation, you can discuss the interest rate, the amount of money borrowed, and reach a compromise.

Private investors do not have strict requirements for return periods cash. Based on this, this issue can be calmly resolved by mutual agreement.

Options for receiving money from a private investor:

How do you get money:

Unlike MFOs, an investor can take out funds in any currency. You can get a loan from a private investor literally within a day. There is also the possibility of early repayment.

An important disadvantage is the high risk of ending up in the hands of a fraudster.

This is especially true for potential borrowers who are applying for a loan for the first time. similar loans, that is, to a private investor. You need to protect yourself.

To do this, we follow simple rules:

1. We read reviews about the investor on the Internet.
2. Do not give the lender the originals of your documents.
3. Do not tell the lender your details bank card, except for the bank account number.
4. When receiving funds in hand, they must be counted in the presence of the investor.
5. After returning the debt, you must take a receipt indicating that the money was returned.

You can access the services of private investors through private advertisements. And also through specialized online exchanges. You need to register and enter all the necessary data.

The difficulty is that registration takes a lot of time. And it is sometimes very difficult to verify individuals who present themselves as investors and creditors on the resource.

Therefore, you should be especially careful if you want to get a loan, especially in a large amount.

Video: loan from a private investor

Important nuances

In order to avoid falling into the hands of scammers who act on behalf of bona fide private investors, to obtain a loan without collateral and subsequent problems, you need to follow some rules.

Firstly, a bona fide investor will not require an advance payment. The opposite demand is a deception, although there are citizens who are ready to bring revenue to the scammers in this way.

Many of them do not even think that they are being misled in this way. The reasons given by the scammer for prepayment may vary. The most interesting thing is that they are not without some logic.

For example, checking your credit history. Indeed, in some cases the investor does this, although it is not entirely clear what he is counting on when checking his credit history.

It is quite understandable that citizens turn to him who have some problems with obtaining bank loans or loans from microfinance organizations. This means their credit history is ruined. An extract from the BKI costs from 300 to 1000 rubles.

Some scammers even find a receipt that reflects the transfer. But you should understand that a check can be forged.

Some investors require payment of a transfer fee. But in some cases, the transfer may not take place by the bank, but using an unverified service. He charges a high rate for wire transfers.

And the speed of money transfer is low. Investors may require payment of notary services.

You should know that notarization of a receipt or loan agreement takes place only with the participation of two parties to the legal relationship.

And if an investor demands money to pay a notary and goes to him alone, this is definitely a scam. Some scammers, trying to deceive gullible citizens, talk about some kind of cooperative that you need to join in order to issue money.

As we know, one joins a cooperative after paying membership fees. This explains the need to make an advance payment. In short, there are many options. The borrower must protect himself.

One of the main actions is failure to provide your documents to the investor. Especially the originals.

If documents are necessary to draw up a receipt or agreement, they must still be in the hands of the potential borrower.

Also, you should not give card details or Qiwi wallet details to scammers. All you need to do is provide your bank account number.

What is regulated

A private investor is an independent person in financial relations. This means that the investor issues funds on his own behalf, on a private basis. Being an individual, he does not represent an MFO or a bank.

Beginning entrepreneurs often face a lack of funds, without which it is impossible to implement a promising business idea. In this case, you have to look for an investor who will agree to invest money in your business. This is a difficult process that requires persistence, patience and self-confidence. You will learn how to find an investor from scratch for a small business in this article.

How to attract an investor?

Any investor strives to increase his capital. The interest on deposits offered by banks and other financial institutions does not suit people who want their money to work and make a profit, since such dividends barely cover the level of inflation. Therefore, investors are looking for businesses in which they can invest capital and thereby provide decent passive income. If you are interested in how to find an investor for a small business, first of all you need to perceive him as a potential partner, since you are investing an idea into the business, and the investor is investing his money. Accordingly, this should be beneficial for both parties.

Experts believe that finding an investor for a small business is not difficult. The most important thing is a competent presentation of the idea, which can convince him that this type of investment will significantly increase his capital.

In an investment question, the following questions need to be addressed:

• Demand and uniqueness of the product;
• Investment size;
• Payback period of the enterprise;
• Calculation of future profits and guarantees.

If you can find convincing arguments for all of these positions, the investor will be convinced that your idea will indeed bring good profit and ensure its financing.

Where to start your search?

1. Step #1. Make a clear plan that you will present to potential investors. With its help, you must convince the person that your strategy will allow you to make a good profit. The document must contain full description company, its prospects, place in the market. Also, do not forget to attach a calculation of the initial investment and the approximate payback period;
2. Step #2. Decide on the type of investor. For example, you are interested in how to find an investor who will allocate funds to achieve certain goals - to purchase equipment or expand production at a certain interest rate. Or maybe an investor will suit you who will give you money, but will ask for a share in the business in exchange. Choose the most acceptable form of cooperation for you and indicate it in the plan;
3. Step #3. Seek help from experienced businessmen who have been working in your chosen field for a long time. They can give you sound advice on attracting investors to your business;
4. Step #4. Find specialized sites on the Internet where aspiring entrepreneurs are given the opportunity to present their project to business angels. You place your request for financing an enterprise, after which investors contact the author of the idea that interests them.

Where to look?

Before finding an investor for a business, you need to carefully prepare and make a detailed description of the future enterprise. It is advisable to involve experienced economists in this matter who will help you draw up an action plan. It should outline the production technology, the level of competition in the market, marketing research, markets for finished products. You also need to attach financial calculations and detail the payback period and future profits.

Now let's try to figure out where to find an investor for a small business. There are several options to help you resolve this issue:

• Relatives and friends. Since finding an investor to invest in a business idea is not so easy, try to involve your friends and relatives in this business. This is an ideal option that allows you to minimize all risks. If the implementation of your project does not require large start-up capital, you can invite your friends to invest their savings in the business for a certain percentage of the profit;
• Businessmen. In any city there are experienced entrepreneurs who have made a fortune and want to invest their capital in some profitable business. Try to get a long-term loan from them for favorable conditions or offer equity participation in the business. The second option will significantly limit your freedom of action, so think carefully before taking such a step;
• Funds. Another option for finding an investor for a business from scratch is investment funds, as well as funds that assist small businesses. But in order to receive money from such an organization, you need to prove that your project is viable. In addition, an aspiring entrepreneur must have his own start-up capital, which he plans to invest in a new enterprise. This option is more suitable for businessmen who want to find an investor in an existing business. To get a positive answer, you need to draw up an enterprise development plan and conduct a thorough analysis of your company’s work. It is also necessary to constantly monitor the performance of public investment funds. They often hold various competitions that allow them to select the most promising projects;
• Venture investing has received widespread in many developed countries. If you want to find investors for business development in this way, you should remember that these organizations invest money only in promising risky projects in the field of science, innovation or IT technology. Sometimes venture funds finance the service and trade sectors. But at the same time, they expect a share in your business and stable profits. As a rule, such funds finance the enterprise for several years and then sell their share to the owner;
• Business incubators. This is a special platform that is intended for the implementation of various projects. To find an investor for a business in Ukraine in this way, you need to provide a competent plan and pass an interview or win a competition;
• Banks. If you don't know where to find an investor for your business, try getting a loan from a bank. But, unfortunately, getting the required amount is not so easy, since credit institutions usually impose serious requirements on borrowers. You will need a guarantor, collateral and a package of documents. If you do not comply with the bank's requirements, you may not receive a loan. This option is more suitable for implementation.

If you want to find money for your business, be patient. All candidates must be carefully considered and possible risks taken into account. In this case, you can choose a reliable investor who will help you open a profitable enterprise.

Foreign investors

Some entrepreneurs who cannot find money to implement their idea in our country are trying to attract foreign capital to the project. Let's figure out where to find a foreign investor for a small business?

It is pointless to rely on your past victories in various competitions and festivals, since foreign investors are only interested in real financial achievements. You must offer them a project that, with additional funding, will bring in millions in profit, preferably in dollars. It doesn't have to be some kind of technological idea, but if it shows high profitability, you can safely count on the fact that investors will pay special attention to you. Believe me, no one will invest in your ambitions. Therefore, if you are not confident in your abilities, look for interesting ones, the implementation of which does not require large start-up capital. This is an ideal option to start with.

Video on the topic

By franchise

Now let's talk about how to find an investor for a franchise business. This investment tool has been tested by hundreds of entrepreneurs. The main advantages of a franchise are a quick start and entry into the market under the wing of a well-known brand. Borrowed funds for a franchise can be obtained from a bank. This is the only case when banks give money to start a business. In addition, they provide a deferred payment on the loan for 6 months. Thanks to this, the entrepreneur can focus all his efforts on developing the business and repay the loan from the profits received. To get such a loan, it is enough to have one guarantor.

Help from the state

If you want to implement it, you can try to seek help from the state. There are special programs that allow you to receive a grant to start your own business. This is targeted free assistance, which is quite enough to start a small enterprise. This option is perfect for beginners who are looking for ways to start without starting capital.

If you are looking for an investor, our offer is for you. The call for applications for the 2020 investment portfolio funding from the MIT Invest fund is open. We also invite investors to finance projects with deposits.

Commercial investment proposal VERIFIED

Dear private investors, the Mit-Invest Fund provides unique investment opportunities for issuing loans to business partners. It’s profitable to invest your savings with us and earn money on investing

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Private investor. I am waiting for your suggestions to investors

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I invest in existing business

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