sources of financing debt and equity - quest funding：債務(wù)融資和股權(quán)融資來(lái)源的探索_第1頁(yè)
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SourcesofFinancing:

DebtandEquityThevarietyofcommercialfundingsourcesishuge.Thetrickisknowingthemandmatchingthemtotheappropriateapplicant!PlanningforCapitalNeedsCapital:anyformofwealthemployedtoproducemorewealthFixedcapital:topurchaseacompany’spermanentorfixedassetssuchasland,buildings,computers,andequipmentWorkingcapital:tosupportabusiness’sshort-termoperationsGrowthcapital:tofinanceacompany’sgrowthoritsexpansioninanewdirectionEquityvsDebtCapitalEquitycapital:representsthepersonalinvestmentoftheowner(s)ofacompanyoroutsideinvestorsDebtcapital:thefinancingthatasmallbusinessownerhasborrowedandmustrepaywithinterestSourcesofEquityCapitalPersonalsavingsFriendsandfamilymembersAngelsPartnersCorporateventurecapitalVenturecapitalcompaniesPublicstocksalePrivatePlacements&SyndicationsAngelsPrivateinvestors,wealthyindividuals,entrepreneursthemselves,whoprovidemoneyinexchangeforequitystakesRangingfrom$10,000to$2MEveryyear:230,000angelsinvest$23Bin50,000companiesAverage:Angelsinvestin10%ofopportunities,aveinvestments,each,of$80,000in3.5firmsAngelnetworks:200VentureCapitalCompanies$3-10MaveinvestmentVentureCapitalistswanttosee:CompetentmanagementCompetitiveedgeGrowthindustryViableexitstrategyIntangiblefactorsPublicStockSaleAdvantagesAbilitytoraiselargeamountsofcapitalImprovedcorporateimageImprovedaccesstofuturefinancingUseofstockforacquisitionsListingonastockexchangePublicStockSaleDisadvantagesDilutionofownershipLossofcontrolLossofprivacyReportingtoSECFilingexpensesAccountabilitytoshareholdersPressureforshort-termperformanceDemandsoftimeandtimingDebtFinancingCommercialbanksNon-banksFederally-sponsoredprogramsStateandLocalDevelopmentProgramsInternalmethodsoffinancingCommercialBanksShort-termloansCommercialloansLinesofcreditFloor-planningIntermediateandlong-termloansInstallmentloanTermloanNon-BankSourcesAsset-basedlendersVendorfinancingEquipmentsuppliersCommercialfinancecompaniesSavingsandloanassociationsStockbrokeragehousesInsurancecompaniesCreditunionsBondsPrivateplacementsSmallbusinessinvestmentcompaniesSmallbusinesslendingcompaniesFederallySponsoredProgramsEconomicDevelopmentAdministrationDepartmentofHousingandUrbanDevelopmentDepartmentofAgriculture’sRuralCooperativeServiceSmallBusinessInnovationResearchProgramSmallBusinessTechnologyTransferProgramSmallBusinessAdministrationSmallBusinessAdministrationLowDocLoanProgramSBAExpressProgram7ALoanGuarantyProgramCAPLineProgramLoansInvolvingInternationalTradeSection504CertifiedDevelopmentCompanyProgramMicro-loanProgram($25-50K)PrequalificationLoanProgramDisasterLoansStateandLocalLoan

DevelopmentProgramsCapitalaccessprograms:encourageslendinginstitutionstomakeloanstobusinessesthatdonotqualifyfortraditionalfinancingbecauseofhigherriskRevolvingloanfunds:offeredbycommunitiesthatcombineprivateandpublicfundstomakeloanstosmallbusinesses,oftenatbelow-marketinterestratesIntern

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