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Author Topic: My Experience Visiting A Bank For Loan As An Entrepreneur  (Read 37 times)
Kinghunter0071
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September 14, 2021, 03:04:18 PM
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I Once went to the bank to pitch one of my products (a lean startup under Pantakers) to one of the popular Banks in my country, after talking about the partnership type and showing my prototypes and idea, carelessly the lady just looked straight at me and said.

 I don't understand what you are talking about.

 You can't have access to any facility either in loan or fund from the bank".

This statement almost killed me immediately my mood spoil entrepreneurs in Africa especially in my country are suffering oo, with tears in my eyes .
I left there knowing that God that gave me the idea will water it and those banks will one day come and beg to invest in my idea.
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September 14, 2021, 11:42:00 PM
 #2

Explaining why you're taking a loan is normal but talking about unusual ideas that you have, it's not really needed unless they ask for it.

And do you have a collateral that's valuable to them?

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September 15, 2021, 09:42:58 AM
 #3

I Once went to the bank to pitch one of my products (a lean startup under Pantakers) to one of the popular Banks in my country, after talking about the partnership type and showing my prototypes and idea, carelessly the lady just looked straight at me and said.

 I don't understand what you are talking about.

 You can't have access to any facility either in loan or fund from the bank".

This statement almost killed me immediately my mood spoil entrepreneurs in Africa especially in my country are suffering oo, with tears in my eyes .
I left there knowing that God that gave me the idea will water it and those banks will one day come and beg to invest in my idea.




Maybe you were treated that way because you were judged by your appearances. And I won't be surprised if the lady thinks the way you think about your continent/country hence the treatment.
I have observed that people who think their society or people are bad typically treat their society and people bad intentionally or unintentionally. So they don't give their best and people use them as example why their society is bad.



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September 15, 2021, 10:06:34 PM
 #4

Central banks are always like that, they make things complicated for their customers.  That's why I'm happy for cryptocurrency, inteai I'll save my money in banks I'll invest in cryptocurrency.
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September 15, 2021, 11:52:47 PM
 #5

This statement almost killed me immediately my mood spoil entrepreneurs in Africa especially in my country are suffering oo, with tears in my eyes .
I left there knowing that God that gave me the idea will water it and those banks will one day come and beg to invest in my idea.

What did you expect? A bank will not invest in ideas but in businesses. To get a loan from a bank, you must be able to demonstrate that you can repay the loan. Thus, the banks generally look for balance sheets, open orders, guarantees, letters of intent, etc...

If you don't have funds to start a business but have an idea that could attract investors, you have a long way to go. Start crowdfunding or seek an angel investor.
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September 16, 2021, 06:31:43 PM
 #6

Many entrepreneurs get knocked back multiple times. If you have good products, ideas & have the motivation to keep going, despite many setbacks you will succeed. Keep knocking on doors & eventually one will open, you can do it.


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