I want to start a business, but I have no funds. What should I do?

It is because there is not much money that I started my business. If you live a good life, your desire for money is not so high, so most people who chase money desperately are poor. Since you are poor, there must be a big problem with venture capital. Ok, let's talk about this topic. Let me say first: I am extremely opposed to those who want to earn money by working to raise their own start-up funds. They are the lowest mental retardation in society. I have worked for you to earn enough money to do business, not to mention two years. After two years, the business that can be done by social change needs higher funds, and the business that you were optimistic about before may not be able to do it. Don't tell me about part-time study. Please don't look down on businessmen. Li Ka-shing used to work in a printing factory, but he himself said, "My success today has nothing to do with my previous job. Making money is 1.2 years. " Your real turning point is your first successful venture, not the experience you have accumulated from your work. What you accumulate from your part-time job is to tell you how to be a qualified worker and how to be exploited, instead of learning the market observation and project corresponding skills that businessmen should have. If you can't accept this, you can use your youth and time to verify it.

First of all, leave some for yourself.

A company or a small shop needs a lot of start-up funds and peripheral funds. The more funds, the better, to avoid the lack of turnover due to various unpredictable reasons in the early stage of entrepreneurship, and all previous efforts are in vain. This fund may be saved by your hard work for many years, or it may be collected by your relatives and friends. The more money, the better. The reason is that you can easily open a shop, but you don't need to invest all of it. If you are a wage earner, you'd better not invest all the money you have saved, lest the closure of the store make you suffer huge losses. This is the same as the reason for trading stocks in the stock market. So when you first open a store, don't blindly covet the scale, so as to avoid over-investment and business depression. Small shops have relatively less capital gains and less risks. You can gradually explore the experience and laws in the process of opening a small shop to prepare for future development. Although the store is not profitable, it has done business and accumulated funds over time.

Diligent housekeeping not only makes you well-fed, but also completes the original accumulation of your wealth.

In daily life, it is important to pay attention to saving every kilowatt hour and every drop of water. What's more important is to learn and master some good experiences of managing the house diligently and form good habits:

(1) Avoid blind expenditure. Simply following the trend, joining in the fun, and blindly snapping up goods that families don't need at present are fraudulent enemies that are harmful to savings. Therefore, spending money should be thoughtful and good at planning. It is not an expense needed by the family and cannot be easily spent.

(2) Eliminate sexual expenditure. Some expenses are not only useless but harmful, and they are the least worthwhile for family consumption. For example, smokers and alcoholics spend as little as tens of yuan and as much as several hundred yuan a month on alcohol and tobacco. Over the years, thousands of dollars have been wasted on smoking and drinking tables. Besides, it is harmful to your health.

(3) Reduce wasteful expenditure. The recurrent wasteful expenditure in the family is the most easily overlooked, and the accumulated amount is very large. For example, turn on the light to sleep, turn on the light when you go out, and turn off the gas when the water boils. In terms of eating, it may be wasteful, never tired of eating essence, eating only meat and not vegetables, eating only essence and not eating coarse grains, preferring tonics and not paying attention to exercise. These are not conducive to nutrition and health, but also a waste of expenditure.

(4) limit the backlog of expenditure. Family expenses should be planned. If you buy goods only by picking up the goods, it will cause a backlog. Over time, the goods stored for several years will deteriorate and become worthless, or the goods will depreciate invisibly when they are updated, which will bring great waste. Therefore, the general non-durable goods, it is best to buy now, so as not to create a backlog.

(5) Delay and loss expenses. Can artificially extend the service life of goods. For example, the rational use of household appliances can prolong life and save money. Going to thrift stores to buy cheap necessities is also a good way to save money.

If the capital is too small to open a small shop, you can seek a partner.

Second, the partner provides a little.

Sometimes when opening a certain type of store, the initial investment is large, and it can't be turned around by rolling, so choosing a partnership is often prone to various disputes, so be careful when choosing a partner.

First of all, can the partner reach a business understanding with you? If you can't reach the understanding of * * *, then it is useless to invest more money in partnership.

Secondly, can your partner share joys and sorrows with you? Of course, doing business will be very hard, and you will even encounter countless setbacks and difficulties. It is even more common to encounter things that hurt and are sad. Whether your partner has the will and perseverance to endure hardship is also something you should consider. If you have these good qualities, your cooperation will be successful and your career will be successful.

Fourth, in partnership with others, a "partnership agreement" must be signed before the partnership, clearly dividing the responsibilities and rights and negotiating the proportion of profit distribution. Otherwise, there will be contradictions and entanglements between partners, and business will not continue. When signing the Partnership Agreement, the following terms shall be clearly stipulated:

1. Each partner clearly defines the management authority and scope.

2. The duration of the partnership. A partner may not withdraw from the partnership system in advance. If this happens, how to deal with it should also be clearly defined.

3. Share proportion of investors of each partner.

4. How to distribute profits?

5. Ways to attract new partners.

6. How to deal with the responsibilities of partners and the consequences of irresponsibility?

Third, be cautious in the early stage of starting a business.

Obviously, you should be careful in business. Due to the limited profits of small shops, the salaries and expenses of personnel must be streamlined. In the early days of some small shops, the boss often wore several hats, from greeting guests to buying and selling goods, from displaying goods to cleaning, and everything was done by him alone. However, in some small shops, at the beginning of business, the boss can't do it all by himself, such as restaurants and hair salons, so it is particularly important for the boss to hire people and make full use of everyone. Even if your store is large in scale, you should try your best to give full play to everyone's expertise and role, which is a good way to reduce costs and increase profits.

Fourth, reduce financing costs.

Small bosses need to pay a certain price in the form of interest and dividends when obtaining funds, which is the so-called first-class capital cost.

According to the difference of cost rate of different sources of funds in time, space and industry, choose the funds with lower cost to raise funds. For example, a small boss needs to buy a piece of equipment at 1999, mainly through bank loans to solve the source of funds. According to the analysis, the interest rate will be lowered in the middle of 1999, so he chose to borrow in June, with a monthly interest rate of 9. 1%, while the monthly interest rate at the beginning of 0999 108%, which is the way for the boss to successfully use the interest time difference to reduce the financing cost.

For another example, a small owner of a textile factory needs a sum of 500,000 yuan to set up a factory. There are several ways: one is to give a loan from a local bank at a monthly interest rate of10.8%; One is to raise funds from employees at an interest rate of 2.5%; One is to borrow money from foreign credit cooperatives, with monthly interest 1.0 1%. After comparative analysis, the small boss chose to borrow money from foreign credit cooperatives to solve the problem. His way to reduce costs is to take advantage of the different interest rates in different places.

First of all, a little bank loan

There are five main forms for individuals to obtain loans from banks: credit loans, guaranteed loans, mortgage loans, pledged loans and discounted bills. At present, banks generally only carry out special consumer mortgage loans (such as automobile and housing mortgage loans) and small mortgage loans (personal time deposit certificate small mortgage loans).

Small mortgage loan means that the borrower can apply for a loan with the unexpired lump-sum deposit, interest-bearing deposit, large negotiable deposit certificate (registered) and foreign currency deposit certificate as collateral, and apply to the savings office where the account is opened or the savings office introduced by it. The starting point for repayment of small loans is RMB 1 0,000 yuan, and the amount of each loan does not exceed 80% of the denomination of the certificate of deposit (foreign currency deposits are converted into RMB according to the foreign exchange purchase price announced on the same day), and the maximum loan amount does not exceed RMB 654,380+0,000 yuan.

Part of the loan term exceeds the maturity date of the mortgage deposit certificate. If multiple certificates of deposit are used as collateral, the loan amount shall be determined at the time closest to the maturity date, and the longest time shall not exceed 1 year. The loan interest rate is based on the same level of liquidity loan interest rate, and there are only two interest rates: half-year interest rate and 1 year interest rate. If the loan term exceeds 6 months, it shall be calculated at the annual interest rate of half a year; if it exceeds 6 months, it shall be calculated at the original interest rate and the actual loan days. In case of interest rate adjustment, the interest rate will remain unchanged during the loan term.

Small mortgage loans should be repaid on schedule. If the Borrower fails to repay the loan on time, and it is overdue within 1 month (inclusive), 20% interest will be charged on the basis of the original interest rate from the date of overdue; Loans overdue 1 month, if the borrower is still unable to repay, the lending institution has the right to regard the mortgage deposit certificate as loan repayment.

Without the above-mentioned real estate as collateral, it is not absolutely impossible to get a loan. Investment prospects and investment projects are the main factors that affect the loan decision. Banks should demonstrate the technical and economic feasibility of loan projects. To this end, you must collect a lot of information, consider various possibilities, choose the best investment plan, and increase the confidence of bank loans. The more you know, the more familiar you are, the higher your trust, and the easier it is to be persuaded. Therefore, it is very important for businessmen to maintain good relations with banks. The initial loan to the bank should not be too large, otherwise it will be difficult to succeed. Give priority to small loans, repay them on schedule every time, and gradually gain the trust of banks, so that it is possible to obtain a larger amount of loans.