Financing Your Small Business

If there is any logical reason as to why your business fails then it is either because of poor financing or another reason could be loopholes in the way you manage or plan your operations. It has been observed that people might pay attention to planning and managing but it is the financing which they ignore. this is something which you do not have to do because financing is something which you do not do once. In fact you keep on doing it throughout your business life whether you are expanding or modernizing or even purchasing stationary for your business. What you need to understand is how to utilize your capital in a better way. One wrong decision can lead to the downfall of your business.First thing you need to analyze is whether you want to get financial help from outside resources in the form of loans. If you really are out of capital and you believe your business is in dire need of expansion or upgrading then you should decide whether you should delay the operations or whether you should step into external financing.If you believe that getting external financing is something you cannot survive without then you need to understand the types of finances that exist.Equity Financing: equity financing is when you sell your shares and get cash in return. It’s like selling half of your business rights in profit. You can attain equity financing from a variety of resources ranging from venture capitalists to even private investors. And the best about equity financing is that it will not seem act as a loan towards you until and unless your partner decides to draw his investment out.Debt Financing: under debt financing you get a loan with a guarantee that you will pay back the money. The guarantee can be in the form of collateral i.e. handing over your property, inventory or equipment papers to the lenders till you do not pay the entire amount. If you are unable to pay the lender has full right over your collateral assets.These are the basic two kind of finances that you get in the market. Now lets discuss the sources from where you can attain the loan.The first and the foremost place you need to consider while thinking about external financing is family or friends. If the amount of capital that you need is small and you believe can be fulfilled by your personal resources then you should go for them.The second best option you have is to consult US Small Business Administration for debt financing. SBA does not finance anybody but arranges for lenders according to your needs. No matter which market sector you belong to SBA will always help you.

Raise Capital With Private Investors

If you have launched your own startup, your first biggest challenge is to raise capital. Fortunately, you choose from a lot of options to raise the funds your business needs. Among all the sources, crowdfunding is one of the best ones as it helps redefine how startups can get off the ground. In this article, we are going to help you know the benefits of raising capital with private investors through a crowdfunding platform. Read on to find out more.

Benefits of raising capital with private investors

1. Funding is not equity-based

First of all, crowdfunding is not necessarily equity-based. Although startups have the liberty to use the equity in order to catch the attention of potential investors, It’s not required to give up ownership to collect capital.

The good news is that some platforms allow their members to apply a reward-oriented approach in order to raise capital. For instance, if your business deals in a specific product, make sure you hand over a few units to your prospective investors before you roll it out for the ultimate users.

2. Attracting potential investors is easy

With crowdfunding, you can attract a lot of potential investors without putting in a lot of effort. Although you can try for angel investors, keep in mind that this process can cost you a lot of time. The reason is that you will have to pitch your small business concept several times.

On the other hand, if you use a crowdfunding platform, you will have to post your business pitch in only one place. And this page will be ready by hundreds of investors from across the globe.

These platforms have a lot of useful features that may help startups collect funds from investors. So, attracting potential investors and raising capital will be much easier using crowdfunding platforms.

3. Higher visibility

Crowdfunding can help you make your startup more visible. Since marketing may consume a large chunk of your budget, it makes sense to use a crowdfunding platform instead. For potential investors, it’s easy to fund a crowdfunding campaign.
And these activities can help boost the visibility of your brand. Plus, you can also attract investors for your next funding rounds.

The Bottom Line

If you want to raise funds for your startup, crowdfunding can be the best choice. All you need to do is become part of a crowdfunding platform and you will be able to tap into the pool of potential investors. And this will help you kick start your business and make it a success in the industry.

Keep Windows 10 Organized, Pretty, and Productive

Microsoft Windows can get messy. It’s not (always) the operating system’s fault. You download tons of apps and files, and create new content stuff of your own, until your “Downloads” directory looks like a landfill for old content. Your desktop is so full of icons, you can’t see your pretty wallpaper. Your Start Menu looks like an app buffet. In short, your operating system is a mess, but it’s not unfixable.

We take spring cleaning very seriously at Lifehacker. Far be it from us to let an opportunity to refresh, reorganize, and declutter our homes lives pass us by. We’re also pretty psyched to hit the reset button on our tech usage, take a close look at our finances, and give the heave-ho to the day-to-day habits that have gotten a little musty. Welcome to Spring Cleaning Week, wherein we clear the cobwebs of winter and set the stage for sunny days ahead. Let’s clean things up, shall we?

There are a few free apps you can use to add some much-needed organization to your Windows world. Here are a few of our favorites:

DropIt

Screenshot: DropIt
We covered this app a long time ago, but it’s worth resurrecting. DropIt is a great utility that can help you stay organized if you’re the kind of person who dumps everything you download (or copy to your PC) into a single folder-one giant, sprawling hub that many files enter, but rarely leave.

DropIt allows you to set up a ton of different rules that fire off whenever you drag files onto the utility’s little icon. For example, you can set the app to always move image files into your primary photos folder, video files into your videos folder, and Word documents into-you guessed it-your documents folder.

That’s just the start. If you want to get more advanced, DropIt can automatically scan folders (like your Downloads folder) and apply more advanced filters to anything it finds, like automatically unzipping archives, renaming files based on your parameters, or compressing large batches of files that are otherwise taking up a bit more space than you want.

Automation is a great way to help you stay organized in Windows, and DropIt practically gives you a virtual helper at your fingertips.

digiKam

Screenshot: digiKam
If your sprawling photo library needs some serious organization but you don’t want to pay for something like Adobe Lightroom, the open-source app digiKam is a great alternative.

Use this app to sort your photos and create (or edit) metadata so you can find exactly what you’re looking for in one easy-to-access library. If you’re also a bit of a photo perfectionist, you can use digiKam to edit your regular and RAW shots to make them picture-perfect.

This app is a much better solution for organizing shots than just dumping them into arbitrary Windows folders. Your disorganized hard drive will thank you, and you’ll be much less likely to lose (or forget about) images going forward.

LaunchBox

Screenshot: LaunchBox
We’re not going to ask why you have a bunch of emulators installed on your system, and we’re going to assume that all the ROMs spread across that nightmare of a folder structure in the “Games” portion of your hard drive are completely legal. Right? Regardless, if you just spent the last day getting your nostalgia kick by downloading archives of thousands of different retro games to play on your modern-day PC, keeping these games under control is going to feel overwhelming.

We suggest grabbing LaunchBox, which is a great “game organizer” utility that allows you to quickly find and play titles in your giant library. You can tap into the app’s crowd-sourced database to pepper your titles with useful information, like release dates, genres, publishers, and images, and you can mark certain games as favorites to make theme easier to hunt down when you have a little time to kill.

LaunchBox also makes it (somewhat) easy to import games from your favorite distribution services, like Steam, Battle.net, and GoG (to name a few). If you’re the world’s biggest gamer who plays everything you can download and always grabs new titles to try from all the major services, LaunchBox is a great way to organize your games under one digital roof.

AquaSnap
Screenshot: Nurgo Software
Everyone knows Windows’ Aero Snap shortcuts, right? Hit Windows Key + one of the arrow keys on your keyboard to send your active window flying all around your screen: minimizing, opening, shrinking to fill a quarter or half of your display, and bouncing off your primary display entirely (if you have a multi-monitor setup).