9 ways to find a million crazy business. And one more - reasonable

Borrow from parents and friends. Normal plan?

This is the first thing that comes to mind. And this decision is a plus - good conditions. It is unlikely that friends will want to get you high interest rates.

What's wrong

Even the closest people can take with you a receipt on which will have to be responsible as the loan agreement. It may include the accrual of interest, default interest, the pledge of property, such as a car. If things go wrong, you will lose not only the business but also good relations. No wonder they say: "The duty to give - to lose the friendship."

Empty credit cards? No wonder that they gave me such a good limits

Not a bad option if you do not need to withdraw cash - for example, you pay a service provider. In this case, credit card, depending on the bank, will give you a delay of 50-100 days to find the money, while non-interest began to drip.

What's wrong

To use a credit card is not so profitable, how to take a consumer loan. Usually rate on the card and a half times higher than the rate on consumer loans. And if you decide to take cash with you to write off the commission. On average banks take from 3%.

Or maybe sell a car?

If you believe that this agreement will bring the desired amount - act. Be ready to take a ride on the subway, yet things do not go up the hill, but it may not happen immediately. Before selling a good idea to find an appraiser who will find out the real cost of the machine. If the money is needed urgently, you're unlikely to sell for the market price, but at least you will notice if you are trying to cheat.

What's wrong

Quickly sell the car only to resellers. They will get a car cheaper than its real price, to earn on it. Organizations that deal with urgent purchase cars, promise to pay up to 95% of the market value. But this percentage is unlikely you will be offered: the concept of a fair price is very loose and "outbid" want to profit. Focus on the 70%, and if we manage to agree on more - excellent.

What if you take several small loans?

Yes, microloans favor on the day, with only a passport is needed for registration. MFIs usually give no more than 30-50 thousand rubles, so I have to run, if you need a large sum.

What's wrong

The interest rate on microloans may reach 1% per day - it is 365% per annum. It is at least 15 times more than the most bloodthirsty in the bank! Each loan is reflected in the credit history, and when you come to the tenth of the MFI, you can refuse. And another 10 extra queries BCI will look suspicious. This can affect your score Scoring at which banks make decisions.

Really you have to sell a kidney?

They say, for a kidney can pay hundreds of thousands of euros.

What's wrong

By the law № 4180-I «On the transplantation of human organs and tissues" sales agencies in Russia is prohibited. Absence of kidney backfire in old age - donors more likely to suffer from hypertension. It recommends a special diet, which excludes alcohol for a person with a body. To celebrate the rescue of a business will not work.

And to find an investor?

Perhaps this is the best solution of all. If your business generates a large enough profit, interest on the loan could strangle him. Therefore, to find an investor is often more profitable. He can become a partner and help in other complexities to your business survive and bring him profit.

What's wrong

When working with an investor you need to carefully fasten all the agreement, and it is hard to reconcile with the urgency. Be sure to discuss the investor exit from the business scenario. If you do not want to sign a contract, let it remain at least in the postal correspondence.

Notice how the investor will influence decisions. Maybe he wants a casting vote, once saved your company? It is important to register that you guarantee to the investor. If the business will be ruined if you return the money invested?

It is also necessary to discuss the redemption share. If now the investor is investing half of your turnover, which he will receive in 5 years, when the turnover will grow by 10 times? Again, half of your turnover? Most likely, this will be an astronomical sum.

Go to the casino, or what? If you bet on the "red" and each time increase the amount twice, sooner or later, I will win!

A great way if you want not only to solve their problems, but also have a good time. But there is a nuance: from 1 July 2009 the casino banned in Russia by the law 244-FZ "On gambling business." They are allowed only five gambling zones - in the Altai, Krasnodar, Primorsky Krai, the Republic of Crimea and the Kaliningrad region. Therefore, the majority of Russians have more and travel a bit.

What's wrong

The strategy to increase the rate and each time put on the same value in the hope that sooner or later it will fall, but it seems logical. In addition to "red" and "black" in roulette has a "zero", so if a large number of casino spins remains in positive territory. Furthermore, the maximum rate may be limited.

Reduce costs? For example, an agreement to reduce the rental rates or installments

Great idea! Lessor is advantageous to work with you, because you are already profitable. If you move out, you will have to find a new tenant, and wait for him to equip a point. Entrepreneurs often agree on a rent-free period for the period of repair, and all the while selling space does not bring profit to the owner.

What's wrong

There is a risk that you will not be able to agree. Landlord seems great and terrible, and he knows it. property owner will be able to push if they feel your need - the fear to move out from the point and stay still larger debt. Try it, but no matter what do not count and parallel to solve the problem in another way.

To take out a bank loan secured by the property? The apartment while there!

As with the sale of the machine, consider that the apartment you are no more. Even if it is yet with you. If you are willing to risk, banks may issue a total of up to 15 million on good terms. The rate of such credit can fall to 9%.

What's wrong

If you have only one apartment, the loan will not take. according to article 24 of the Civil Code of the Russian Federation, a citizen can not be responsible for the obligations of its only housing. The Bank does not take away your last apartment, which means that it can not be a guarantee.

And if you take out a loan for your business? But they say, always denied and design - a terrible confusion

You can get a loan PSB "It's simple!". It's just business. Give up to one million rubles, and there are no complications:

• The rate of 16.5% per annum.
• Solution for 24 hours.
• Only need two documents: the agreement on the request to the credit bureau and the processing of personal data and on the turnover of the company information.
• For loan processing does not need to go to the office of the bank - completely online application is filed. To open a checking account manager will come to you myself.

However, credit PSB "It's simple!" Is issued only if there is a business for more than 12 months.

Calculate loan business

see also🔥

• Where to get money for business
• What scared small business 7 useless fears
• TEST: you earn or burned? How would you spend a million rubles