How startup get funding

Arrange funds for Business - How startup get funding ?


Kissi bhi tarah ka business ho .. Shuru mein paisa lagana hi padta hai .. Aur baad mein bhi running ke liye paise ki jaroorat paadti hi rahti hai.

Example - Agar aap ek restaurant kholna chahte hain to shuru mein aapka expense (Capex) in saab cheejo mein hoga

  • Kitchen Equipments
  • Rent (Deposit)
  • Raw Material - Rashan, Sabji
  • Packaging Material
  • Furniture - Table, Chair, Desk etc.
  • Electronics - AC, Light, Fan, TV etc.

Saab mila kar chote se restaurant setup mein bhi initial investment ₹5-₹10 lakh to laag hi jaata hai.

Aur running costs (Opex) jaise

  • Raw Material
  • Salaries - Cook, Helper, Cleaner, Waiter etc.
  • Utilites - Electricity, Internet, Water etc.
  • Repair & Maintenance
  • Monthly Rent

Chote se chote Restaurant mein bhi Running cost daily ka ₹4k-₹5k ka expense hota hi hai.

Isley business ke liye dono tarah ke funds ki jaroorat humesha hoti hai. Aage dekhte hain ki kaise hum log ye dono tarah ke funds raise kar sakte hain and kiase we can fund startup business of restaurant.

Initial Investment (Capex) - Source of Funds


Aapki investment capital long time ke liye block ho jaati hai aur aap isko profits se dheere dheere recover karenge. Aapko Aisa source of fund chahiye jo aapko jaldi paisa wapasi na karna pade. Aapko atleast 2-3 years milne chahiye capital return karne ke liye.

  • Own Funds - Aap apni savings / gold / property ka use karke shuru ka initial investment raise kar sakte hain. Aapko is capital par koi Interest bhi nahi dena padega aur emergency wapasi ka pressure bhi nahi hoga.
  • Family & Friends - Aap apne parivar ke logo ya dosto se ye paise le sakte hain. Ye paisa usually Interest free hota hai but kabhi bhi wapas manga jaa sakta hai. Relatives se bol kar le ki aap ek daam se wapaas nahi kar paayenge.
  • Bank / Market / NBFC se Loan - Usually Banks Term Loans, Equipment Loans etc. provide karte hain initial investment ke liye. Interest Rate usually 12-24% pa hota hai.. Usually bank aapse collatorals (gold / property / machinery / shares etc.) bhi mangta hai and apka contribution (margin money) bhi. Ye acche products hote hain agar aap apne CIBIL score aur bank record ko accha bana kar rakhte hain. Apni startup funding ke liye bank se business loan for startup kaise le ? Iske liye Bank loan documents chahiye hote hain - GST Returns , ITR Returns , Bank statement. Business loan rate of Interest usually 10% pa se shuru ho kar 20-22% pa taak jaata hai. Business loan by Government Banks jaise business loan sbi ka rate of interest usually kaam hota hai jaise business loan rate of interest sbi hai 10-12% pa. Business loan unsecured thoda jyaada interest rate ka hota hai and business loan for woman usually 1-2% cheap hota hai.
  • Equity Funding - Aap apne business mein kissi doosre ko partnership de sakte hain aur return mein usse investment kara sakte hain. Ye partnership usually profit share / royalty /  company shares ki form mein ki jaati hai. Iske liye aap apni field ke aur logo ko approach kar sakte hain.
  • Committee/Chit Fund - Agar aap group saving ya comittee wagarah daalte hain to aap uska use karke bhi apne business ke liye investment raise kar sakte hain.

Short Term Working Capital Finance - Source of Funds


Ye capital aapko running costs cover karne ke liye chahiye hoti hain.. Example Jaise aapka Paisa customers se 10 din baad aayega but aapko raw material mein expense daily karna hota hai. Ye short duration ke liye chahiye hoti hai jaise weeks or months cashflow balance karne ke liye. Ye aap yahan se arrange kar sakte hain.

  • Suppliers / Vendors - Aap unse udhaari par samaan le sakte hain. Aur jaab aapka payment aa jaaye unhe return kar sakte hain. Usually 7-30 days credit period hota hai.
  • Banks (Credit Limits) - Bank se aap credit limit banwa sakte hain. Credit Limit mein aap sirf usi amount par interest pay karenge jitna aap use karenge. Isse aapko need padne par money available bhi ho jaayega aur unnecessary interest bhi nahi dena hoga.
  • Gold/Stock Finance - Agar aapke pass gold hai to aap uske against jewellers / bankers se bhi loan le sakte hain. Ye usually kaafi cheap loan hota hai and easily and very fast mil jaata hai.
  • Credit Cards - Agar aapke pass kissi bank ka credit card hai to aap vo bhi use kar sakte hain . Usmein usually 30-45 din ka credit period milta hai jo ki Interest free hota hai. App credit card online apply kar sakte hain. Usually credit card sbi aur credit card hdfc sabse popular hain.

Is tarah se aap apne business ke liye finance ki jaroorat ko poora kar sakte hain.

Dhanyavad 🙏