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Week 5: Funding your idea

Sometimes you sit somewhere looking out of the window and sipping your favourite coffee and then an brilliant idea comes to your head. You can't resist it, you know that it's going to work and you want to tell the whole world about it. You know this is something big and it will change lives of many people. You start thinking how successful you're going to be in next few months. Your brain has already decided - you will do it. All you need now is to rationalize the whole thing (easy part). Okay, the plan is ready, the last step you need to do is to build the team which will work on the idea to make it market ready. By this time you realised that the idea needs a team of at least 4 people plus you of course. The last thing you need to start is.. money.

Where do I get the money to invest in team of 5 people for 6 months?

1. Bootstrapping.

Obviously, you can take this money out of your pocket or share equity and do it together with the rest of the team. It can be risky, as around 80-90% startups fail, so it can be the worst investment of your life. On the other hand, you are independent and the product will look exactly as you (and your team) want it to be.

2. Loan.

Sometimes you need a lot of money to invest at the very beginning - to buy expensive hardware / machines, if you don't want to split equity - taking a long term loan maybe a good choice. Still independent, risk is divided into several months, for some startups - it may be tempting.


3. Accelerator program / incubator.

This is dead simple, you sell 6-10% of your company for 20-100k and you spend up to 6 months in a course which helps you grow and validate your business. This is one of the most popular ways to begin with, it has very limited risk - you burn others' money.


4. Business angel.

Harder to find, harder to get and very unpredictable as it depends on one person's decision. Private investor can be a very good source of contacts and money, most likely he/she will also have a good experience in business (hey, this is why he/she has the money). Less paperwork, direct contact - if you like this style - go for it.

5. EU funds.

Pretty easy to get, very time consuming and frustrating, but many companies used resources from EU to start.

6. Crowdfunding - Kickstarter.

Recently very popular thanks to many successful (mostly hardware) projects - crowdfunding uses the power of the scale to help you quickly get money and also build a customer base at the same time. It needs a lot of preparation because your success depends on this single page or video which needs to attract thousands of people. It can be also incredible tool for validating your idea - if you have thousands people who want your product - that's a good sign!

Whatever you choose, the hardest part is to start. Don't take it too seriously, though - after your first business is viable or dead - you can always start another one.. :)

Comments

Natalia said…
Thanks for this depth analysis of founding an idea. In my opinion the best way is to invest own money - you do not need to ask someone to lend you and you don't have to prove others that your idea is worth it. You can do what ever you want. If you don't have money - you can always earn it in different way and then found your idea.
alt_pl said…
It is quite interesting matter You write of even though I currently plan not to start up my business . In my opinion first and second option seem very risky - chances of losing lifetime savings or big bank loan You will not be able to pay off are quite high. If I would like to gather resources for a set up I would choose third or fifth option which look promising but still You need good and well-thought business plan to make fundraising simpler . Which of those options You used to fund Your first business?

-Aleksander Towcik
Anonymous said…
@Aleksander I prefer bootstrapping and this is how I started, I strongly believe in looking for clients instead of investors, it's more comfortable to run business (= take risks) while burning somebody's else money though - it's all about acceptable risk as Natalia pointed out the first two options are quite risky.
While to not-so-long ago I would say that the best thing to do is to invest your own funds, recent events changed my opinion a bit. I still believe it is a valid option, but nowadays crowdfunding seems to be a very efficient way. There are kickstarters being announced one after another and actually I think it's a really great way to go about funding your project. Not only does a kickstarter show if there actually is any interest in the project, it also seems less risky than, say, taking a loan. With kickstarters you can simply cancel the project if not enough funds are gained (meaning that there isn't enough interest in the project).
The Best way In my opinion are the EU Funds. Of course I have to fill al lot of paperwork but as far as I know you don’t have to return them even if your business fail. My second choice would be a some sort of founding by the government agencies, but in this case if your business proof to be unsuccessful you have to return some part (100% in some cases )of the government loan.

I don’t have any experience with any of the forms mentioned in the presentation because starting my own business didn’t required large amounts of money at the start. I work alone and the only thing I had to buy was new computer so it was pretty easy and I didn’t have to ask for any founds at all.
Seisyll said…
This comment has been removed by the author.
Seisyll said…
Kickstarter is really nice idea in my opinion. It allows you to reach wider audience than few people you present your idea to (it's internet so I think like, whole world), and in that way you can check if there would actually be anyone who'd like to see your idea happen. I think that this kind of gaining funds is really a great opportunity for people who are too afraid to risk and for some niche ideas like music, movies and so.

I visit kickstarter.com from time to time to see if there is anything interesting on people minds. Right now I have found few games I'd really like to play and also a tv series which right now has 2 complete seasons and another one in preparation.
Unknown said…
Quite good but not too deep analysis. One biggest truth is that u need a very good plan for almost all of those points, without last one. Last one seems like the one with lowest risk. You can basicly do anything, check the popularity of this ide with the internet and then decide if it's good enough. I am nothing close to staring my own buisness but this sounds like a good guideline for start.
lukasz-anwajler said…
Michal, problem with Kickstarter recently is that they have some limitations on hardware startups and it's getting more and more difficult to get funding for those. It's very difficult to validate them.
armandstanczak said…
I think, that the best way to get some funds is getting them from EU (at least in Europe it is). On one hand we have all the bureaucracy that comes with it, all those documents etcon the other it can provide sufficient funds to at least be able to start somewhere at the same time minimizing your own financial contribution. In fact, why don’t we only depend on it since we are in the EU after all xD
Cheers
Unknown said…
There is no perfect way of founding new investment, company or product. If I must choose from possibilities mentioned above I will choose all of them :) It really depends of type of investment. For new companies the easiest (easiest but time consuming) way is to get EU funds for hardware the best solution will be Kickstarter but it is harder each day. Mentioned solutions brings consequences which future Entrepreneur must embrace :)

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