Would you prefer getting a loan for a startup or getting an investor?

[tabas]

What timing, I've been watching Shark Tank and Dragon's Den. To be honest, it looks easy to get an investor and have a start-up but both of them require a lot of balls to get even started and have someone jump on you as an investor. One wise entrepreneur I've heard said that it doesn't require a lot of money to have yourself start with a business or a startup. All you have to do is to start and figure out what your next steps are. If I'll have myself get a startup, I'll avoid the headache of dealing with investors because at most times, they want to check you from time to time if that's a big part of their money that have been invested to you. I'll deal with my potential loss alone so, if I am about to get successful with my venture, I'll only have to deal with it alone too.

[Callido]

As someone who's trying to start up a business and do not have a lot of money to make his dreams come true, imo it's better to take a loan if he knows that he will succeed on the kind of business he wants to do. Was a time I worked for someone and he morally said that many big men are in dept and he's also part of those that are in dept, if you know you can achieve your goal with loan money you should take it. But he also said, before you take a loan to start up a business you must own different assets just in case you can't meet up to pay the loans you take, you can settle with the assets you have. Although seeking for an investors is another good ways of achieving your goal on your business.

by taking the loan becomes the last solution that becomes the choice that of course must be thought carefully, whether the business that will be done will really be profitable for you? which of course is the first thing to think about and other risks, if so, borrowing becomes an option to run your business and there is nothing wrong with taking a loan.

You never know you will succeed in a business unless you attempt. The idea of starting up a business involves not only capital but admitting the risk involved, especially for a business individual who is short in capital and yet vulnerable to lose at the start. There are some business where one likely fails at first attempt then going back with a different strategy and plan after understanding the whole concepts will then begin to generate enough returns.

Loan is optional but more considerate, investors are not just going to spend their money over and over again, taking loan gives you the opportunity to at peace calmly identity and grow the business, investors really want more while you do the working, at the end they love to take more profit from the business than should have been spent on paying interest.

[Agbamoni]

I would prefer to take the second option, find an investor who will finance your business idea and both of you will be business partners. This is actually a win-win situation because you are not going to lose any but only your time and efforts to your business, and as long as you are confident that your business idea will work and grow in the process, then the rate of success is higher.

However, if you want to solely run your business and suicide on taking a loan, I think that’s putting yourself and your business at a high risk. You will face bigger pressures instead, on making sure that your business will work so you can pay your loan, and on securing a back up plan where you will get your payment in case your business will fail which I believe has really high chances especially if the competition is stiff and you have not build yet a strong foundation of your business.

I found great wisdom on your point After reading through your reply and have so many though i come to the conclusion that taking a loan is probably one for the main reason why so many business and big companies has failed. Only few were able to succeed after taking a loan. Taking a loan as an option there are two things that the investor will be dedicating his time to. One is getting profit from the business to make sure he pays the loan at the appointed time and second focusing o growing the business. To businesses that require deep concentration and limited pressure on getting profit such business will fail if a loan was the financial route of the business. But imagine a case of an investor investing in the business. He will give you all the time to concentrate on the business while he takes care of everything that has to do with finance. There is ease in this option, and it is vital for the growth of any business.

[Muba20]

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

Sometimes it seems to me that it is very reasonable to take a loan for something that an investor without money would be confident in. After all, sometimes you need to take risks, and life is one, and if, for example, someone did not invest in a token that is in a very favorable position, then later this person will very much regret (for example) how this token grew later.
You need to be able to take risks, and it is normal to be afraid at this time. The main thing is to be confident in your decision.

I would say that if someone is able to start a business with his own money, it is better. If an investor thinks that it is not possible to start the business he wants to start with the money he has, but that business is definitely profitable for him. In such a situation, a loan can certainly be taken. However, some are not interested in taking the risk of taking a loan, which is why they can add some business partners to increase their business. Now whether it is better to take a loan or a business partner will depend on the entrepreneur himself. If he has some acquaintances who are trustworthy, who will not have any problems if they are made partners, then a partner can be taken. However, If one have the ability to pay loan money, then I think it would be better to take a financial loan.

[pusaka]

 If you have a well thought out business idea but don't have the needed capital to keep it functional, is getting a loan the best option or looking for interested investors?

In my own opinion i wouldn't advice anyone to venture into taking a loan inorder to startup their preferred Business, tho sometimes it's usually hard to get the required capital for startup that's why most people take loans and all of that but on the contrary getting the loan is one and paying back will always be a problem for alot of person's and which will lead to some arguments between the two party but then having an investor is quite okay I would say cause they usually serve as partnership to your business and they may invest in the business in every aspects just to see it grow, or better still starting small on your own it's alot better too.

If we already have a name, then finding investors is something that can be done more easily, but if this is our first business then it will be very difficult to find investors and convince them to work with us. Maybe it will take a very long time for us to get our first investor. I don't mean to be pessimistic, but I'm just saying something realistic. Taking a loan is certainly risky, but maybe it's easier to get a cash injection than looking for investors. I think we all have our own thoughts on this with the considerations made. And in my opinion if there are only 2 choices then we have to make a decision by considering the risks and also our abilities, so that we can make the best decision from these 2 choices.

[Franctoshi]

One of the major problem an average person that has an incredible business idea faces is the ability to raise the initial capital that's required to bring his ideas to life. and in solving this challenge, the available option has always ranged from iether taking a loan from a financial institution or seeking for investors that will take a particular percentage of the company and will in return provide the necessary financial support.

Considering these two options that's one of the easiest to get, taking a loan sometimes comes with a whole lot of strict terms and conditions and  with the high interest rate expecially in my region, it's even deficult to put that as an option. Looking at the case with most investors who are just looking for ways to double there already dormant funds, and care little about the owner of the business, it seems to be another problem dealing with them as most of the ratio they intend getting from you seems to be too big expecially when they already know that your proposed business have an higher chance of doing well in the long run.

I know that as a start-up, these sources could potentially help your business to upscale at a very sharp pace and that from the angle of allowing an investor to buy into your business, you could get other added advantage like getting advice and connection that will help boost your business but I'm just curious to ask;

 If you have a well thought out business idea but don't have the needed capital to keep it functional, is getting a loan the best option or looking for interested investors?

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

I can't say category which one is better or the one I will choose, but my choice would be base on the nature of the business I'm going to do, that is, if the business has high profit potential within a short period of time, where the chances of you meeting the loans terms and paying back on time is there, then I will go for taking a loan to start up the business, but in a situation where the profit is not something that will be that huge or start profiting as fast, Then I choose an investor whom will have patient with the process of my business growth, and until we start realizing massive gains.

[Victorybit1]

I don't really know if there's much difference between them because an investor is also borrowing you the money so I don't think they are mutually exclusive. Let's say you borrow a loan from an organization, they would require a certain amount of interest over a period of time and they wouldn't have the patience to wait for you to start making profit from your investment because they are also running a business. But if you get an investor the person would be able to wait till you start making profits from your business. But it's all risky so you must be very sure of what you are doing.

[Lanatsa]

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

Sometimes it seems to me that it is very reasonable to take a loan for something that an investor without money would be confident in. After all, sometimes you need to take risks, and life is one, and if, for example, someone did not invest in a token that is in a very favorable position, then later this person will very much regret (for example) how this token grew later.
You need to be able to take risks, and it is normal to be afraid at this time. The main thing is to be confident in your decision.

I would say that if someone is able to start a business with his own money, it is better. If an investor thinks that it is not possible to start the business he wants to start with the money he has, but that business is definitely profitable for him. In such a situation, a loan can certainly be taken. However, some are not interested in taking the risk of taking a loan, which is why they can add some business partners to increase their business. Now whether it is better to take a loan or a business partner will depend on the entrepreneur himself. If he has some acquaintances who are trustworthy, who will not have any problems if they are made partners, then a partner can be taken. However, If one have the ability to pay loan money, then I think it would be better to take a financial loan.

Its always been better if you do start up a business or investment with your own money on which having no loans or having some borrowed money because if you do have some investment and having some business on which do came from loan or borrowed money then you are really that obliged on paying up the interest on which this will really be that making the ROI even more longer plus there's a risks that you cant be able to repay it up specially if you are relying your repayment into your business or investment profits and thats would really be that a huge problem. This is why as much as possible you should really be that making some investment on which it will really be that better that you do make out investment without having no loan but well not all people are financially capable.

If you do see that good opportunity and you dont have that money then its not bad to have that kind of option as long you do set out some back up plans on which you should be that sure that you can be able to pay up the loan without needing to rely with your investment that you are planning but rather repaying it on other income source on which this is really that much more preferred as much as possible. There are really those situations on which we do really needed up to take up some loan specially when we are really that seeing some opportunity on which of course we dont really have any choice but to take up some loan. Somehow this kind of approach will be that risky but actually we do need to take up such step.

[lixer]

What timing, I've been watching Shark Tank and Dragon's Den. To be honest, it looks easy to get an investor and have a start-up but both of them require a lot of balls to get even started and have someone jump on you as an investor. One wise entrepreneur I've heard said that it doesn't require a lot of money to have yourself start with a business or a startup. All you have to do is to start and figure out what your next steps are. If I'll have myself get a startup, I'll avoid the headache of dealing with investors because at most times, they want to check you from time to time if that's a big part of their money that have been invested to you. I'll deal with my potential loss alone so, if I am about to get successful with my venture, I'll only have to deal with it alone too.

No one in the world would lovingly have someone else have a share in a business or startup they have started or want to start because we all know it's not an easy thing to do, and you wouldn't like sharing your business with anyone, but out of compulsion, people need to take such steps. Someone who can afford to do everything on their own should never get an investor, getting a loan is even better if you are confident about your business or startup and know that it will earn you enough revenue for you to settle the loan you had taken.

People who have ideas for startups and businesses but not enough funding to bring them to reality are the ones who take such steps. Sometimes, it is also done when you have started the business, you see it's going well, but you need more money to expand the business which is when you try to get an investor, and that is exactly what happens in Shark Tank and other such reality shows.

[eightdots]

What timing, I've been watching Shark Tank and Dragon's Den. To be honest, it looks easy to get an investor and have a start-up but both of them require a lot of balls to get even started and have someone jump on you as an investor. One wise entrepreneur I've heard said that it doesn't require a lot of money to have yourself start with a business or a startup. All you have to do is to start and figure out what your next steps are. If I'll have myself get a startup, I'll avoid the headache of dealing with investors because at most times, they want to check you from time to time if that's a big part of their money that have been invested to you. I'll deal with my potential loss alone so, if I am about to get successful with my venture, I'll only have to deal with it alone too.

No one in the world would lovingly have someone else have a share in a business or startup they have started or want to start because we all know it's not an easy thing to do, and you wouldn't like sharing your business with anyone, but out of compulsion, people need to take such steps. Someone who can afford to do everything on their own should never get an investor, getting a loan is even better if you are confident about your business or startup and know that it will earn you enough revenue for you to settle the loan you had taken.

People who have ideas for startups and businesses but not enough funding to bring them to reality are the ones who take such steps. Sometimes, it is also done when you have started the business, you see it's going well, but you need more money to expand the business which is when you try to get an investor, and that is exactly what happens in Shark Tank and other such reality shows.

The reason for the necessity you mentioned is the lack of capital. If there is not enough capital and there is a job that needs to be done immediately, you may have to find a partner for your business. The determining factor here is whether you can get the capital in a short time and the length or shortness of time required to complete the job.

Getting a loan can be very difficult at times. High interest rates keep people away from taking out a loan. Using the money of the person who will be your partner in the business may not always be good, but trust is an important factor in such cases. You can start a business on your own and think that the business will go well, but the market may not always give you what you expect. Neither option is easy, but if you trust your business, many problems will disappear.

[stomachgrowls]

What timing, I've been watching Shark Tank and Dragon's Den. To be honest, it looks easy to get an investor and have a start-up but both of them require a lot of balls to get even started and have someone jump on you as an investor. One wise entrepreneur I've heard said that it doesn't require a lot of money to have yourself start with a business or a startup. All you have to do is to start and figure out what your next steps are. If I'll have myself get a startup, I'll avoid the headache of dealing with investors because at most times, they want to check you from time to time if that's a big part of their money that have been invested to you. I'll deal with my potential loss alone so, if I am about to get successful with my venture, I'll only have to deal with it alone too.

No one in the world would lovingly have someone else have a share in a business or startup they have started or want to start because we all know it's not an easy thing to do, and you wouldn't like sharing your business with anyone, but out of compulsion, people need to take such steps. Someone who can afford to do everything on their own should never get an investor, getting a loan is even better if you are confident about your business or startup and know that it will earn you enough revenue for you to settle the loan you had taken.

People who have ideas for startups and businesses but not enough funding to bring them to reality are the ones who take such steps. Sometimes, it is also done when you have started the business, you see it's going well, but you need more money to expand the business which is when you try to get an investor, and that is exactly what happens in Shark Tank and other such reality shows.

The reason for the necessity you mentioned is the lack of capital. If there is not enough capital and there is a job that needs to be done immediately, you may have to find a partner for your business. The determining factor here is whether you can get the capital in a short time and the length or shortness of time required to complete the job.

Getting a loan can be very difficult at times. High interest rates keep people away from taking out a loan. Using the money of the person who will be your partner in the business may not always be good, but trust is an important factor in such cases. You can start a business on your own and think that the business will go well, but the market may not always give you what you expect. Neither option is easy, but if you trust your business, many problems will disappear.

Even if there's high interest then if you do end up on having no other options left then you would definitely be diving in in despite of the risks and the potential problems that you might be faced on. This is why some people doesnt have that any choice because there's no other way since they do lack up some funds for them to make use whenever they do see up some opportunity and thats why they do make themselves having that kind of option since they dont have any choice and they dont want to missed out such opportunity. The thing here is that you do really know at at least the risks that involves into when you do take up a loan.

If you are trying out to get some partnership with other people then it will be that only possible that you could get someone physically or real world but in online world then it cant be just that possible because of some trust issues but it will be depending yet there are still some partnerships made online but of course it will be depending whether your offer and other correlated aspects are convincing or something exceptional.

[Xlaas]

I’ve tried both paths and honestly, each comes with its own headaches. Finding a good investor isn’t that easy unless you are pretty well connected, and even then they often want a piece of your business. On the flip side, taking a loan feels risky because if your plan doesn’t work, the stress of paying it back doesn’t go away. Whenever interest rates are high, it just adds more pressure, so I usually look for funding that’s easier to manage if the business has up and down sales.

For people running businesses that lean on credit card sales, sometimes more flexible options are out there. Was reading up on the best merchant cash advance companies and it looks like they’re another way to get funds faster without waiting for traditional banks or investors.

[Jubilee58]

One of the major problem an average person that has an incredible business idea faces is the ability to raise the initial capital that's required to bring his ideas to life. and in solving this challenge, the available option has always ranged from iether taking a loan from a financial institution or seeking for investors that will take a particular percentage of the company and will in return provide the necessary financial support.

Considering these two options that's one of the easiest to get, taking a loan sometimes comes with a whole lot of strict terms and conditions and  with the high interest rate expecially in my region, it's even deficult to put that as an option. Looking at the case with most investors who are just looking for ways to double there already dormant funds, and care little about the owner of the business, it seems to be another problem dealing with them as most of the ratio they intend getting from you seems to be too big expecially when they already know that your proposed business have an higher chance of doing well in the long run.

I know that as a start-up, these sources could potentially help your business to upscale at a very sharp pace and that from the angle of allowing an investor to buy into your business, you could get other added advantage like getting advice and connection that will help boost your business but I'm just curious to ask;

 If you have a well thought out business idea but don't have the needed capital to keep it functional, is getting a loan the best option or looking for interested investors?

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

The two options are good, but sometimes when you are looking for an interested investor to bring your business idea to really, this might take some time to see an interested someone. Besides if the investor is greedy, and sees the business is growing, there could be bridge of agreement, and likely withdraw his or her support from you, and in this case, the business might fail.

But in the case of taking a loan, once you are able to pay off the loan, the business automatically becomes yours. Real and good business men do not fear loan, instead they see loan as a way of building their business very quickly. Many tycoons you see today have taken one loan or the other to build their own business or business empire. The only thing you owe yourself is to be well guided, and make sure you do not take loan to solve a problem or pay debt, when you pay debt with the loan you collect from a financial institution, that will be the biggining of your failure in your business career.

Loan is mostly taken for investment. When you invest with loan, you will surely make some profit , and will be able to pay off the loan. But when you don't understand the usage of loan, and what loan is meant for, you will see it as a financial hindrance after misusing it.

[Muba20]

Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?

There are many people who understand business well but they cannot start a business due to financial constraints. In their case, although two options are open, not everyone accepts the same option. Generally, in the case of starting a new business, we know that bank loans are also more expensive and some can take advantage of some or the other financial institution. However, if a bank loan is taken, the loan amount has to be paid regularly. That is why some do not accept it positively, but they keep looking for investors. If they establish good communication with the investor, especially if the conditions are accepted by both, then that business is started.

There are some advantages and disadvantages of these two conditions. It depends on a businessman which one he will accept and which one he will reject. If a businessman does not want to accept the opinion of another person with his business, then he should definitely take a bank loan. Because when someone accepts another inventor, he will have to share various aspects of his business with him. He may have to give more profit share. That person may give priority to money rather than business. The best thing is to take a bank loan, even if the interest is high, no one else will say anything. However, there are many who are also looking for investors to increase their manpower.

[Woodie]

One of the major problem an average person that has an incredible business idea faces is the ability to raise the initial capital that's required to bring his ideas to life. and in solving this challenge, the available option has always ranged from iether taking a loan from a financial institution or seeking for investors that will take a particular percentage of the company and will in return provide the necessary financial support.

The easy way out is a loan as funds are available almost immediately when you need them, but unfortunately when it comes to financing a business through this, you don't really know if the business or project will be a success to the point of it paying for itself and depending on your exposure of the liability if it's limited to the company or the person themselves...this could hurt your reputation!

But the other option of having an investor,  you don't get to work under tight time frames as investors are there throught and the financing model is a cheaper option that's for sure..

[yixichloro2xx]

If  these are the only two options available, I will choose an investor. Although none are perfect, but having a good investor can bring in more money, ideas, networking and more experiences that helps businesses grow. Reason why I don't like Loans, is that they can put you in a lot of pressure at first, especially when business is struggling to make profit. Not investors are good, some just care about profit alone, they don't care about the growth of the business. For me the best thing is to start small with your own funds, prove your idea works, then look for funding later. Being a sole proprietorship over your business means all risks  and profit is yours to bear. Then if you want to expand your business to be bigger, then seeking partnership or investor is better.