It is very difficult to start a business, so you can choose the following methods: borrowing money from family and friends, applying for bank loans, applying for formal Internet credit, etc.
1. When the working capital is insufficient, many people's first reaction is to borrow money from family and friends. This kind of borrowing method is relatively simple. As long as the family and friends agree to it, they can write a debit note. Generally, they don't have to pay too much interest, and more of it is a debt of gratitude. But working capital is not a small amount after all, ranging from thousands to tens of thousands to hundreds of thousands. It may be difficult for family and friends to spend so much money at once. In addition, there is a risk of loss when starting a business, so it is more difficult to borrow money.
2. To apply for bank loans, many banks currently have entrepreneurial loans, business aid loans, etc. The loan conditions of each bank are different. You can consult several banks to see which loan application conditions you meet.
3. Apply for formal Internet credit If you don't want to borrow money through the above two methods, you can also try to apply for formal Internet credit products.
To start a business, you need to consider at least the following aspects:
1. Consider appropriate entrepreneurial projects. For example, do you want to work in catering industry, clothing industry, Internet industry, education industry or other industries; Whether to start a business in the form of joining or operate independently; Whether to operate online stores or physical stores. At the same time, you should also consider whether the entrepreneurial project you choose has a development prospect and whether it can be profitable.
2. Consider whether they are qualified. For example, if you want to engage in the catering industry, do you have the experience and necessary knowledge in this field.
3. Consider the issue of venture capital. Any entrepreneurship can not be separated from entrepreneurial capital. Have you prepared enough capital. In addition, any entrepreneurship is likely to fail. Have you prepared for possible losses.
If you are starting a business and have insufficient working capital, you can try to apply for a loan. There are many credit platforms that can help small and micro enterprises' capital turnover. Remember to choose a formal platform, such as DuXiaoMan Finance, which has high credit lines and low interest rates. It is understood that 70% of the credit users of DuXiaoMan Finance are small and micro business owners, and big brands are more reassured.
Molong is recommended for personal entrepreneurship loans. Loans can be made as soon as one day without housing mortgage. Apartment stores can also apply for loans. Loans can be made as soon as two hours without car escort. It is worth choosing.
Application conditions for individual entrepreneurship loan:
(1) At least 18 years old, with legal and valid identity certificate, legal residence certificate of the lender's location, and fixed residence or business place;
(2) Holding the business license issued by the industrial and commercial administration authority and the business license of related industries, engaging in legitimate production and business activities, and having stable income and the ability to repay principal and interest;
(3) The borrower's investment project has certain self owned funds;
(4) The purpose of the loan complies with the relevant national laws and the Bank's credit policies, and is not allowed to be used for equity investment;
(5) Open a settlement account with the Bank, and the business income is settled by the Bank.
