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Fund your company with free financing ways

Putting all your eggs in one basket will never be considered a good business strategy, especially when it comes to financing your new business. Diversifying your sources of funding will not only help your start-up business withstand potential downturns but will also improve your chances of getting the right funding for your specific needs.

Always remember that bankers do not necessarily see themselves as a sole source of financing. In fact, lenders will view you as a proactive entrepreneur if you have sought or used a variety of financing options.

Whether you choose a bank loan, an angel investor, a government grant or a business incubator, each of these sources of financing has specific pros and cons, as well as criteria for evaluating your business.

Here is an overview of seven typical sources of funding for start-ups:

1. Personal investment

When you start a business, you should be the main investor - whether you invest your own money or put up collateral. This shows investors and bankers that you are committed to your project for the long term and are willing to take risks.

 

2. Money from relatives

This is money loaned by a spouse, parents, other family members or friends. Investors and bankers view this type of financing as patient capital, money that will be paid back later as your business profits grow.

 

If you're thinking of borrowing money from your loved ones, keep the following in mind:

Family and friends can rarely provide much money.

They may want to have an ownership interest in your business.

A business relationship with family members or friends should never be taken lightly.

 

3. Venture capital

First, it is important to remember that venture capital is not for all entrepreneurs. Venture capitalists seek to invest in high-tech and high-potential companies in sectors such as information technology, communications and biotechnology.

 

These investors also take a stake in the companies they finance in order to help them carry out a promising project, but with a greater risk. This means that the entrepreneur must sell part of the business to a third party. Venture capitalists also want a good return on investment, which usually comes when the company starts selling shares to the public. Look for investors who have relevant experience and knowledge that will benefit your business.

 

BDC has a Venture Capital team that supports leading-edge companies with strategic positions in promising markets. Like most other venture capital firms, this team invests in early-stage companies with great potential, but prefers to support companies that need significant financing to establish themselves in their market.

 

4. Angel investors

Angel investors are typically high net worth individuals or retired business executives who invest directly in SMEs owned by others. They are often leaders in their field. They bring their experience and network of contacts, as well as their technical or management expertise, to the company. Angel investors tend to fund companies in the early stages of development, and the amount invested ranges from $25,000 to $100,000. Venture capitalists prefer to invest larger amounts, in the $1 million range.

In return for the risk they take in investing their money, angel investors reserve the right to oversee the management of the company. This often means sitting on the board of directors and demanding an assurance of transparency.

 

Angel investors want to stay in the shadows. If you want to meet them, contact specialized associations or search the Internet. The National Angel Capital Organization (NACO) is an umbrella organization that helps build the capacity of Canadian angel investors. You can search its membership directory to find people in your area to contact.

 

5. Business Incubators

Business incubators typically target young high-tech companies at various stages of development. There are also local economic development incubators, which focus on job creation, revitalization, and service provision and sharing.

Incubators often invite start-up or emerging companies to share their premises and administrative, logistical and technical resources. For example, an incubator may make its laboratories available to a new company to allow it to develop and test its products at a lower cost before going into production.

A company usually stays in an incubator for two years. When its product is ready, it normally leaves the incubator to begin industrial production and stand on its own two feet.

Incubator companies often belong to high-tech sectors such as biotechnology, information technology, multimedia, or industrial technology.

MaRS - a Toronto-based innovation centre - has compiled a short list of business incubators in Canada, and provides links to other resources on its website.

 

6. Government grants

There are government agencies that offer financing that your business may be eligible for. The Canada Business Network website provides a comprehensive list of the various federal and provincial government programs.

Criteria

Obtaining a grant is not always easy, as competition is usually strong and the criteria applied are often strict. Most of the time, the company has to invest an amount equal to the amount of the grant, and this amount varies greatly from one source to another. In the case of a research grant, you may only have to find 40% of the total cost.

You must generally provide:

ü a detailed description of your project

ü an explanation of the benefits of your project

ü a detailed work plan showing all costs

ü a description of the relevant experience and background of the key officers

ü completed application forms, if applicable

ü The following are the criteria used by most agencies to evaluate applications:

 

Importance

Approach

Innovation

Know-how

Need for the grant

 

Here are some reasons why a grant may be denied:

ü The research or project is not relevant.

ü The business is located in a non-qualifying area.

ü The applicant did not indicate the relevance of the ideas.

ü The proposal does not provide sufficient justification.

ü The research plan is not specific.

ü The amount of work to be done is unrealistic.

ü The applicant cannot match the grant.

7. Bank loans

Bank loans are the main form of financing for SMEs. Different banks offer different benefits, such as personalized service or flexible repayment terms. Compare to find the bank that can meet your specific needs.

Banks generally target companies with a proven track record and excellent credit history. A good idea is not enough. It must be supported by an effective business plan. In addition, start-up loans normally require entrepreneurs to provide a personal guarantee.

BDC offers start-up financing to businesses that are in the start-up phase or in their first 12 months of sales. You may also be able to defer the start of principal repayments for up to 12 months.