{"id":17580,"date":"2022-02-17T09:33:55","date_gmt":"2022-02-17T07:33:55","guid":{"rendered":"https:\/\/startco.ro\/blog\/?p=17580"},"modified":"2026-04-29T17:57:18","modified_gmt":"2026-04-29T14:57:18","slug":"surse-de-finantare","status":"publish","type":"post","link":"https:\/\/startco.ro\/blog\/surse-de-finantare\/","title":{"rendered":"Surse de finan\u021bare pentru o afacere: tipuri, avantaje \u0219i riscuri"},"content":{"rendered":"\n<p>Fie c\u0103 <a href=\"https:\/\/startco.ro\/blog\/cum-sa-incepi-o-afacere-primii-pasi-in-antreprenoriat\/\" target=\"_blank\" rel=\"noreferrer noopener\">e\u0219ti la \u00eenceput de drum<\/a> \u0219i vrei s\u0103 \u00eencepi o afacere sau ai deja un business pe care vrei s\u0103-l cre\u0219ti, mai devreme sau mai t\u00e2rziu ai nevoie de bani care s\u0103-\u021bi sus\u021bin\u0103 planul. \u00cen general, sumele depind de ce vrei s\u0103 finan\u021bezi: lansarea firmei, echipamentele, stocurile, salariile, marketingul, un spa\u021biu nou, digitalizarea sau, pur \u0219i simplu, cashflow-ul dintre \u00eencas\u0103ri \u0219i pl\u0103\u021bi.<\/p>\n\n\n\n<p>Mai jos trecem prin cele mai importante surse de finan\u021bare ale unei afaceri, cu avantaje, riscuri \u0219i exemple actuale.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Cuprins<\/h2><ul><li><a href=\"#h-ce-tipuri-de-finan\u021bare-exista\" data-level=\"2\">Ce tipuri de finan\u021bare exist\u0103?<\/a><ul><li><a href=\"#h-1-fonduri-proprii-cea-mai-simpla-dar-nu-mereu-suficienta-varianta\" data-level=\"3\">1) Fonduri proprii: cea mai simpl\u0103 (dar nu mereu suficient\u0103) variant\u0103<\/a><\/li><li><a href=\"#h-2-fonduri-nerambursabile-\u0219i-granturi-bune-dar-nu-pentru-orice-business\" data-level=\"3\">2) Fonduri nerambursabile \u0219i granturi: bune, dar nu pentru orice business<\/a><\/li><li><a href=\"#h-3-credite-bancare-\u0219i-garan\u021bii-bune-pentru-cashflow-\u0219i-investi\u021bii\" data-level=\"3\">3) Credite bancare \u0219i garan\u021bii: bune pentru cashflow \u0219i investi\u021bii<\/a><\/li><li><a href=\"#h-4-investitori-business-angels-\u0219i-fonduri-de-investi\u021bii\" data-level=\"3\">4) Investitori, business angels \u0219i fonduri de investi\u021bii<\/a><\/li><li><a href=\"#h-5-crowdfunding-finan\u021bare-de-la-comunitate-dar-numai-prin-platforme-autorizate\" data-level=\"3\">5) Crowdfunding: finan\u021bare de la comunitate, dar numai prin platforme autorizate<\/a><\/li><li><a href=\"#h-6-leasing-factoring-\u0219i-credit-comercial\" data-level=\"3\">6) Leasing, factoring \u0219i credit comercial<\/a><\/li><li><a href=\"#h-7-finan\u021bare-din-clien\u021bi-avansuri-abonamente-precomenzi\" data-level=\"3\">7) Finan\u021bare din clien\u021bi: avansuri, abonamente, precomenzi<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ce-tipuri-de-finan\u021bare-exista\">Ce tipuri de finan\u021bare exist\u0103?<\/h2>\n\n\n\n<p>\u00cenainte de a alege o surs\u0103 de finan\u021bare, trebuie s\u0103 analizezi cu aten\u021bie toate variantele. Po\u021bi alege una sau mai multe surse, \u00een func\u021bie de nevoile firmei \u0219i de costurile pe care le po\u021bi suporta. Astfel, po\u021bi sus\u021bine lansarea sau dezvoltarea afacerii tale prin:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Finan\u021bare prin capital propriu \/ aport<\/strong> \u2013 bani pu\u0219i de tine, familie, asocia\u021bi sau investitori.<\/li>\n\n\n\n<li><strong>Finan\u021bare prin \u00eemprumut<\/strong> \u2013 credite bancare, \u00eemprumuturi de la asocia\u021bi, linii de credit, factoring.<\/li>\n\n\n\n<li><strong>Finan\u021bare nerambursabil\u0103<\/strong> \u2013 granturi, fonduri europene, programe guvernamentale.<\/li>\n\n\n\n<li><strong>Finan\u021bare alternativ\u0103<\/strong> \u2013 crowdfunding, precomenzi, parteneriate, leasing, credit furnizor.<\/li>\n<\/ol>\n\n\n\n<p><strong>De re\u021binut<\/strong>: nu exist\u0103 finan\u021bare gratis. Chiar \u0219i fondurile nerambursabile vin cu obliga\u021bii: cofinan\u021bare, termene, achizi\u021bii eligibile, locuri de munc\u0103, perioad\u0103 de monitorizare sau risc de returnare dac\u0103 nu respec\u021bi condi\u021biile.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Situa\u021bia ta<\/th><th>Variante potrivite<\/th><\/tr><\/thead><tbody><tr><td>E\u0219ti la idee \/ testare<\/td><td>fonduri proprii, familie, precomenzi, granturi pentru startup-uri<\/td><\/tr><tr><td>Ai firm\u0103 nou\u0103 \u0219i investi\u021bii clare<\/td><td>Start-Up Nation, granturi regionale, credit mic, leasing<\/td><\/tr><tr><td>Ai v\u00e2nz\u0103ri, dar cashflow tensionat<\/td><td>linie de credit, factoring, credit furnizor<\/td><\/tr><tr><td>Vrei echipamente\/utilaje<\/td><td>leasing, granturi, credit de investi\u021bii<\/td><\/tr><tr><td>Ai business scalabil<\/td><td>business angels, VC, crowdfunding<\/td><\/tr><tr><td>Vrei s\u0103 cre\u0219ti f\u0103r\u0103 s\u0103 pierzi control<\/td><td>granturi, credit, leasing, reinvestirea profitului<\/td><\/tr><tr><td>Ai firm\u0103 \u00een regiune eligibil\u0103<\/td><td>programe regionale \/ PTJ, \u00een func\u021bie de jude\u021b \u0219i CAEN<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cum alegi sursa de finan\u021bare potrivit\u0103<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-fonduri-proprii-cea-mai-simpla-dar-nu-mereu-suficienta-varianta\">1) Fonduri proprii: cea mai simpl\u0103 (dar nu mereu suficient\u0103) variant\u0103<\/h3>\n\n\n\n<p>Fondurile proprii sunt banii pe care \u00eei pui tu \u00een afacere: economii personale, venituri reinvestite, aport la capital, \u00eemprumut c\u0103tre firm\u0103 sau cheltuieli suportate direct de asociat.<\/p>\n\n\n\n<p><strong>Avantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai control total;<\/li>\n\n\n\n<li>nu pl\u0103te\u0219ti dob\u00e2nd\u0103;<\/li>\n\n\n\n<li><a href=\"https:\/\/startco.ro\/blog\/cesiune-de-parti-sociale\/\" target=\"_blank\" rel=\"noreferrer noopener\">nu dai p\u0103r\u021bi sociale<\/a>;<\/li>\n\n\n\n<li>te mi\u0219ti rapid, f\u0103r\u0103 dosare \u0219i aprob\u0103ri.<\/li>\n<\/ul>\n\n\n\n<p><strong>Dezavantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sumele pot fi limitate;<\/li>\n\n\n\n<li>\u00ee\u021bi asumi direct riscul;<\/li>\n\n\n\n<li>dac\u0103 nu \u00ee\u021bi faci calculele bine, po\u021bi subfinan\u021ba business-ul.<\/li>\n<\/ul>\n\n\n\n<p>Pentru afacerile la \u00eenceput, fondurile proprii sunt adesea primul pas: pl\u0103te\u0219ti \u00eenfiin\u021barea, primele abonamente, brandul, site-ul, testele de produs \u0219i primele campanii. Dar urm\u0103torul pas, care intr\u0103 tot aici, la fonduri proprii, este s\u0103 iei bani de la familie, apropia\u021bi sau prieteni.<\/p>\n\n\n\n<p><strong>Finan\u021barea de la familie sau prieteni<\/strong> poate fi foarte util\u0103 la \u00eenceput, mai ales c\u00e2nd ai nevoie de o sum\u0103 mic\u0103 \u0219i rapid\u0103. Totu\u0219i, chiar dac\u0103 rela\u021bia este personal\u0103, banii trebuie trata\u021bi ca \u00eentr-un business.<\/p>\n\n\n\n<p><em><strong>Recomandarea practic\u0103:<\/strong> f\u0103 un <a href=\"https:\/\/startco.ro\/blog\/wp-content\/uploads\/Model-contract-creditare-firma-1.docx\" target=\"_blank\" rel=\"noreferrer noopener\">contract simplu de \u00eemprumut<\/a>, cu sum\u0103, termen, dob\u00e2nd\u0103 dac\u0103 exist\u0103, modalitate de rambursare \u0219i ce se \u00eent\u00e2mpl\u0103 dac\u0103 apar \u00eent\u00e2rzieri. Asta protejeaz\u0103 \u0219i rela\u021bia, \u0219i afacerea.<\/em><\/p>\n\n\n\n<p><strong>Avantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00ee\u021bi permite men\u021binerea independen\u021bei \u0219i autonomiei financiare;<\/li>\n\n\n\n<li>nu \u00ee\u021bi creezi obliga\u021bii suplimentare;<\/li>\n\n\n\n<li>\u00ee\u021bi p\u0103strezi capacitatea de a contracta credite pe viitor;<\/li>\n\n\n\n<li>constituie un mijloc sigur de acoperire a necesit\u0103\u021bilor financiare;<\/li>\n\n\n\n<li>sunt bani f\u0103r\u0103 dob\u00e2nzi sau comisioane;<\/li>\n\n\n\n<li>\u00een cazul \u00een care nu po\u021bi restitui la timp banii, nu vei fi presat de penalit\u0103\u021bi;<\/li>\n\n\n\n<li>\u00ee\u021bi permit s\u0103 \u00ee\u021bi dezvol\u021bi afacerea, f\u0103r\u0103 presiunea de a face profit.<\/li>\n<\/ul>\n\n\n\n<p><strong>Dezavantaje<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sumele \u00eemprumutate sunt de cele mai multe ori mici;<\/li>\n\n\n\n<li>nu po\u021bi apela mereu la bun\u0103voin\u021ba lor.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-fonduri-nerambursabile-\u0219i-granturi-bune-dar-nu-pentru-orice-business\">2) Fonduri nerambursabile \u0219i granturi: bune, dar nu pentru orice business<\/h3>\n\n\n\n<p>Fondurile nerambursabile sunt printre cele mai c\u0103utate surse de finan\u021bare, pentru c\u0103 nu trebuie returnate dac\u0103 respec\u021bi condi\u021biile programului. Ele pot veni din programe europene, programe na\u021bionale sau programe regionale.<\/p>\n\n\n\n<p id=\"h-exemple\">Exemple: <strong><a href=\"https:\/\/www.imm.gov.ro\/start-up-nation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start-Up Nation<\/a><\/strong>, <strong><a href=\"https:\/\/oportunitati-ue.gov.ro\/program\/femeia-antreprenor\/\" target=\"_blank\" rel=\"noreferrer noopener\">Femeia Antreprenor<\/a><\/strong>, <strong>Programele regionale<\/strong> (<a href=\"https:\/\/regionordest.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\">Programul Regional Nord-Est<\/a>, etc.), <strong><a href=\"https:\/\/mfe.gov.ro\/ptj\/despre-program-programare\/\" target=\"_blank\" rel=\"noreferrer noopener\">Programul Tranzi\u021bie Just\u0103<\/a><\/strong>, etc.<\/p>\n\n\n\n<p><strong>C\u00e2nd merit\u0103 s\u0103 cau\u021bi fonduri nerambursabile:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai o investi\u021bie clar\u0103: echipamente, digitalizare, produc\u021bie, spa\u021biu, utilaje;<\/li>\n\n\n\n<li>po\u021bi sus\u021bine cofinan\u021barea;<\/li>\n\n\n\n<li>po\u021bi a\u0219tepta evaluarea \u0219i rambursarea;<\/li>\n\n\n\n<li>po\u021bi respecta obliga\u021biile post-implementare;<\/li>\n\n\n\n<li>activitatea ta este eligibil\u0103 pe cod CAEN, regiune \u0219i tip de firm\u0103.<\/li>\n<\/ul>\n\n\n\n<p><strong>C\u00e2nd NU e cea mai bun\u0103 variant\u0103:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai nevoie urgent\u0103 de bani;<\/li>\n\n\n\n<li>nu ai cash pentru cofinan\u021bare \u0219i cheltuieli neeligibile;<\/li>\n\n\n\n<li>nu po\u021bi sus\u021bine locurile de munc\u0103 asumate;<\/li>\n\n\n\n<li>vrei flexibilitate total\u0103 asupra banilor;<\/li>\n\n\n\n<li>business-ul \u00eenc\u0103 nu e suficient de clar pentru un plan de investi\u021bii.<\/li>\n<\/ul>\n\n\n\n<p><strong>De ce fondurile nerambursabile NU reprezint\u0103 \u00eentotdeauna o alternativ\u0103 foarte bun\u0103?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>pentru aprobarea fondurilor trebuie s\u0103 vii cu un anumit procent din suma necesar\u0103 (cofinan\u021bare)<\/li>\n\n\n\n<li><a href=\"https:\/\/commission.europa.eu\/funding-tenders\/how-apply\/eligibility-who-can-get-funding_ro\" target=\"_blank\" rel=\"noreferrer noopener\">aplicarea pentru fonduri nerambursabile implic\u0103 mult\u0103 birocra\u021bie<\/a><\/li>\n\n\n\n<li>odat\u0103 ob\u021binut\u0103 finan\u021barea, sumele trebuie folosite doar \u00een scopul declarat \u00een proiect.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-credite-bancare-\u0219i-garan\u021bii-bune-pentru-cashflow-\u0219i-investi\u021bii\">3) Credite bancare \u0219i garan\u021bii: bune pentru cashflow \u0219i investi\u021bii<\/h3>\n\n\n\n<p>Creditele bancare sunt utile mai ales c\u00e2nd ai deja \u00eencas\u0103ri sau contracte \u0219i po\u021bi demonstra c\u0103 po\u021bi rambursa banii. Po\u021bi folosi credit pentru capital de lucru, investi\u021bii, echipamente, stocuri sau extindere (\u00een Rom\u00e2nia, accesul la credit poate fi sus\u021binut \u0219i prin <a href=\"https:\/\/www.fngcimm.ro\/garantii-pentru-imm\" target=\"_blank\" rel=\"noreferrer noopener\">garan\u021bii FNGCIMM<\/a>).<\/p>\n\n\n\n<p>Sunt potrivite firmelor aflate \u00een faze de cre\u0219tere sau la maturitate, deoarece riscul neramburs\u0103rii este considerat ca fiind mai mic (sau cel pu\u021bin acceptabil). Totu\u0219i exist\u0103 \u0219i b\u0103nci care au solu\u021bii de finan\u021bare pentru startup-uri, dar sumele sunt mai mici. \u00cen func\u021bie de punctul \u00een care te afli, po\u021bi solicita:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>o linie de credit pentru acoperirea necesarului de capital de lucru (working capital)<\/li>\n\n\n\n<li>credite pe termen scurt pentru a acoperi necesarul de lichidit\u0103\u021bi pentru obliga\u021biile scadente \u00een viitorul apropiat<\/li>\n\n\n\n<li>credite pe termen lung pentru eventuale investi\u021bii.<\/li>\n<\/ul>\n\n\n\n<p><strong>Avantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nu pierzi p\u0103r\u021bi sociale;<\/li>\n\n\n\n<li>po\u021bi finan\u021ba rapid capitalul de lucru;<\/li>\n\n\n\n<li>po\u021bi combina creditul cu granturi, pentru cofinan\u021bare sau cashflow;<\/li>\n\n\n\n<li>unele credite pot fi garantate par\u021bial.<\/li>\n<\/ul>\n\n\n\n<p><strong>Dezavantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai rate \u0219i dob\u00e2nzi;<\/li>\n\n\n\n<li>banca cere istoric, garan\u021bii sau cashflow;<\/li>\n\n\n\n<li>pentru firme foarte noi poate fi mai greu de ob\u021binut;<\/li>\n\n\n\n<li>creditul cre\u0219te presiunea pe v\u00e2nz\u0103ri.<\/li>\n<\/ul>\n\n\n\n<p>Tot aici putem vorbi \u0219i de <a href=\"https:\/\/startco.ro\/blog\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00eemprumuturile de la asocia\u021bi<\/a>, care sunt o solu\u021bie flexibil\u0103 pentru SRL-uri (asocia\u021bii pot finan\u021ba firma prin \u00eemprumuturi acordate SRL-ului). Este o variant\u0103 frecvent\u0103 pentru \u00eenceput, mai ales c\u00e2nd firma are nevoie de bani pentru cheltuieli curente, dar nu vrei s\u0103 faci majorare de capital.<\/p>\n\n\n\n<p><em><strong>Recomandare practic\u0103<\/strong>: f\u0103 contract de \u00eemprumut \u00eentre asociat \u0219i firm\u0103, stabile\u0219te suma, termenul, dob\u00e2nda dac\u0103 exist\u0103 \u0219i modul de rambursare. Banii firmei \u0219i banii personali trebuie s\u0103 r\u0103m\u00e2n\u0103 separa\u021bi.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-investitori-business-angels-\u0219i-fonduri-de-investi\u021bii\">4) Investitori, business angels \u0219i fonduri de investi\u021bii<\/h3>\n\n\n\n<p>O alt\u0103 surs\u0103 de finan\u021bare pe care o po\u021bi avea \u00een vedere este <a href=\"https:\/\/startco.ro\/blog\/ce-este-un-angel-investor\/\" target=\"_blank\" rel=\"noreferrer noopener\">finan\u021barea ob\u021binut\u0103 de la\u00a0investitori priva\u021bi<\/a> (fo\u0219ti sau actuali antreprenori). Ace\u0219tia \u00ee\u021bi pot plasa fondurile de care ai nevoie, \u00eens\u0103 doar cu anumite condi\u021bii:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>trebuie s\u0103 le dai participa\u021bii la capital<\/li>\n\n\n\n<li>trebuie s\u0103 ai un plan de afaceri cu obiectivul clar de a ob\u021bine profit<\/li>\n<\/ul>\n\n\n\n<p><br>Dac\u0103 ai un business cu poten\u021bial mare de cre\u0219tere, ai \u0219i \u0219anse mai mari s\u0103 atragi investitori. \u0218i partea fain\u0103 aici e c\u0103 nu prime\u0219ti doar bani, ci \u0219i know-how, contacte, mentorat \u0219i disciplin\u0103 de business.<\/p>\n\n\n\n<p>\u00cen Rom\u00e2nia exist\u0103 \u0219i un cadru legal pentru investitorii individuali de tip <strong>business angel<\/strong>. <a href=\"https:\/\/static.anaf.ro\/static\/10\/Anaf\/legislatie\/L_120_2015.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Legea 120\/2015<\/a> permite persoanelor fizice s\u0103 devin\u0103 investitori individuali-business angels \u00een micro\u00eentreprinderi \u0219i \u00eentreprinderi mici, prin dob\u00e2ndirea de p\u0103r\u021bi sociale; investi\u021bia trebuie s\u0103 fie \u00eentre <strong>3.000 \u0219i 200.000 euro<\/strong>, iar investitorul nu poate de\u021bine mai mult de <strong>49%<\/strong> din capitalul social ca urmare a investi\u021biei.<\/p>\n\n\n\n<p><strong>C\u00e2nd merit\u0103 investitorii:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai model scalabil;<\/li>\n\n\n\n<li>ai pia\u021b\u0103 mare;<\/li>\n\n\n\n<li>ai trac\u021biune: clien\u021bi, venituri, useri, contracte;<\/li>\n\n\n\n<li>ai nevoie de bani + know-how (de regul\u0103, fondurile alocate de business angels sunt pentru o perioad\u0103 \u00eendelungat\u0103; astfel te po\u021bi folosi de bani pentru cre\u0219terea afacerii);<\/li>\n\n\n\n<li>accep\u021bi s\u0103 \u00eempar\u021bi controlul.<\/li>\n<\/ul>\n\n\n\n<p><strong>C\u00e2nd nu e potrivit:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vrei control total;<\/li>\n\n\n\n<li>ai business local, stabil, dar greu scalabil;<\/li>\n\n\n\n<li>nu ai \u00eenc\u0103 date clare;<\/li>\n\n\n\n<li>nu ai un plan de cre\u0219tere conving\u0103tor (poate fi destul de dificil s\u0103-i convingi pe investitori &#8211; care au \u00eent\u00e2lnit numeroase idei de afaceri &#8211; c\u0103 afacerea ta este una care s\u0103 merite investi\u021bia lor).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-crowdfunding-finan\u021bare-de-la-comunitate-dar-numai-prin-platforme-autorizate\">5) Crowdfunding: finan\u021bare de la comunitate, dar numai prin platforme autorizate<\/h3>\n\n\n\n<p>Indiferent c\u0103 te afli \u00een faza preliminar\u0103 a unei afaceri, sau vrei s\u0103 realizezi o investi\u021bie pentru dezvoltarea firmei, po\u021bi \u00eenscrie conceptul \u00eentr-o platform\u0103 de crowdfunding (<a href=\"https:\/\/www.indiegogo.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Indigogo<\/a>, <a href=\"https:\/\/www.kickstarter.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kickstarter<\/a>, <a href=\"https:\/\/seedblink.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seedblink <\/a>etc.). Tu vei primi banii de care ai nevoie, iar investitorii (persoane fizice sau juridice) vor primi la schimb anumite p\u0103r\u021bi pe care le ve\u021bi stabili contractual.<\/p>\n\n\n\n<p>Suma ob\u021binut\u0103 pe platformele de crowdfunding poate fi sub form\u0103 de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00eemprumut ob\u021binut de la mai multi creditori<\/li>\n\n\n\n<li>v\u00e2nzare a unui num\u0103r de p\u0103r\u021bi sociale din firm\u0103<\/li>\n\n\n\n<li>dona\u021bie, \u00een schimbul c\u0103reia donatorii ob\u021bin o recompens\u0103 non-financiar\u0103, cel mai adesea bunuri sau servicii gratuite din partea companiei<\/li>\n<\/ul>\n\n\n\n<p>Crowdfunding-ul poate func\u021biona bine pentru produse, comunit\u0103\u021bi puternice, tehnologie, real estate, proiecte creative sau business-uri care pot convinge mul\u021bi oameni s\u0103 contribuie cu sume mai mici.<\/p>\n\n\n\n<p>\u00cen Rom\u00e2nia, finan\u021barea participativ\u0103 pentru afaceri este reglementat\u0103. Furnizorii de servicii de finan\u021bare participativ\u0103 au nevoie de autoriza\u021bie, iar dup\u0103 10 noiembrie 2023 platformele f\u0103r\u0103 autoriza\u021bie nu mai pot emite oferte noi de crowdfunding sau accepta investitori noi.<\/p>\n\n\n\n<p>ASF (Autoritatea de Supraveghere Financiar\u0103) are \u0219i <a href=\"https:\/\/asfromania.ro\/ro\/a\/1829\/entitati-autorizate-de-asf-%28registrul-public-siif%29\" target=\"_blank\" rel=\"noreferrer noopener\">registru public al furnizorilor autoriza\u021bi<\/a>, unde apar platforme de finan\u021bare participativ\u0103 autorizate.<\/p>\n\n\n\n<p><strong>Avantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>validezi pia\u021ba;<\/li>\n\n\n\n<li>po\u021bi ob\u021bine bani f\u0103r\u0103 credit bancar;<\/li>\n\n\n\n<li>\u00ee\u021bi construie\u0219ti comunitate;<\/li>\n\n\n\n<li>poate func\u021biona bine pentru produse cu poveste (spre deosebire de alte forme de finan\u021bare, prin aceste platforme po\u021bi ob\u021bine investitori \u00eenc\u0103 dinainte de a lansa afacerea\/produsul).<\/li>\n<\/ul>\n\n\n\n<p><strong>Dezavantaje:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>trebuie s\u0103 ai marketing bun;<\/li>\n\n\n\n<li>exist\u0103 costuri de platform\u0103;<\/li>\n\n\n\n<li>trebuie preg\u0103tite documente serioase;<\/li>\n\n\n\n<li>nu toate business-urile sunt potrivite (sumele ob\u021binute pot fi insuficiente pentru nevoile afacerii);<\/li>\n\n\n\n<li>majoritatea platformelor de crowdfunding func\u021bioneaz\u0103 dup\u0103 principiul <em>totul sau nimic<\/em>. Asta \u00eenseamn\u0103 c\u0103 dac\u0103 nu reu\u0219e\u0219ti s\u0103 str\u00e2ngi toat\u0103 suma dorit\u0103, atunci nu vei beneficia de finan\u021bare \u0219i trebuie s\u0103 returnezi toate contribu\u021biile primite.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-leasing-factoring-\u0219i-credit-comercial\">6) Leasing, factoring \u0219i credit comercial<\/h3>\n\n\n\n<p>Nu toate finan\u021b\u0103rile \u00eenseamn\u0103 bani \u00een cont. Uneori ai nevoie s\u0103 folose\u0219ti un activ sau s\u0103 \u00eencasezi mai repede.<\/p>\n\n\n\n<p><strong>Leasing<\/strong><\/p>\n\n\n\n<p>Cea mai cunoscut\u0103 solu\u021bie de finan\u021bare \u00eenchiriat\u0103 este leasing-ul. Printr-un contract de leasing, firma de leasing achizi\u021bioneaz\u0103 echipamente sau alte active de care ai nevoie pentru dezvoltarea afacerii tale, oferindu-\u021bi posibilitatea de a le folosi \u00een schimbul unei chirii lunare.&nbsp;<\/p>\n\n\n\n<p>Avantajul major este c\u0103 la finalul contractului de leasing po\u021bi cump\u0103ra echipamentul la un pre\u021b simbolic, stabilit de la \u00eenceputul contractului iar ratele achitate \u00een cadrul contractului de leasing sunt deductibile fiscal.<\/p>\n\n\n\n<p>Leasing-ul e potrivit pentru echipamente, ma\u0219ini, utilaje, tehnologie sau active pe care le folose\u0219ti \u00een business, f\u0103r\u0103 s\u0103 pl\u0103te\u0219ti totul din prima.<\/p>\n\n\n\n<p><strong>Factoring<\/strong><\/p>\n\n\n\n<p>Util dac\u0103 emi\u021bi facturi c\u0103tre clien\u021bi buni, dar ace\u0219tia pl\u0103tesc la 30\u201360\u201390 de zile. Practic, transformi facturile \u00een cash mai repede.<\/p>\n\n\n\n<p><strong>Credit furnizor<\/strong><\/p>\n\n\n\n<p>Este o solu\u021bie de finan\u021bare ieftin\u0103, dar pe termen scurt, fiind posibil\u0103 doar \u00een parteneriatele solide, bazate pe \u00eencredere.&nbsp;Furnizorul \u00ee\u021bi ofer\u0103 marf\u0103 sau servicii acum, iar tu pl\u0103te\u0219ti mai t\u00e2rziu. Este una dintre cele mai simple forme de finan\u021bare a capitalului de lucru.<\/p>\n\n\n\n<p><strong>Cum func\u021bioneaz\u0103:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>achizi\u021bionezi produse sau servicii de la un <strong>furnizor<\/strong>, cu plata ulterioar\u0103, la un termen stabilit de ambele p\u0103r\u021bi;<\/li>\n\n\n\n<li>prime\u0219ti \u00een avans de la un <strong>client<\/strong>, o sum\u0103 aferent\u0103 serviciilor\/bunurilor ce urmeaz\u0103 s\u0103 le prestezi\/livrezi la o dat\u0103 ulterioar\u0103.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-finan\u021bare-din-clien\u021bi-avansuri-abonamente-precomenzi\">7) Finan\u021bare din clien\u021bi: avansuri, abonamente, precomenzi<\/h3>\n\n\n\n<p>Pentru multe afaceri mici, cea mai s\u0103n\u0103toas\u0103 surs\u0103 de finan\u021bare este chiar clientul. Po\u021bi folosi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>avansuri \u00eenainte de livrare;<\/li>\n\n\n\n<li>abonamente lunare;<\/li>\n\n\n\n<li>pachete prepaid;<\/li>\n\n\n\n<li>precomenzi;<\/li>\n\n\n\n<li>contracte anuale pl\u0103tite par\u021bial \u00een avans;<\/li>\n\n\n\n<li>campanii de lansare cu plat\u0103 anticipat\u0103.<\/li>\n<\/ul>\n\n\n\n<p>Avantajul este simplu: <strong>finan\u021bezi cre\u0219terea f\u0103r\u0103 credit \u0219i f\u0103r\u0103 investitori<\/strong>. \u00cen plus, validezi c\u0103 pia\u021ba chiar vrea produsul sau serviciul t\u0103u.<\/p>\n\n\n\n<p>La sf\u00e2r\u0219it, trebuie s\u0103 \u0219tii c\u0103, da, este foarte important s\u0103 \u00ee\u021bi po\u021bi autofinan\u021ba afacerea, dar nu trebuie s\u0103 excluzi eventualele posibilit\u0103\u021bi de finan\u021bare de care po\u021bi dispune. Iar dac\u0103 scopul este maximizarea afacerii, atunci uneori trebuie s\u0103 accep\u021bi c\u0103 un aport extern ar putea avea un impact mult mai mare fa\u021b\u0103 de aportul t\u0103u intern. Depinde doar de cum vrei s\u0103 faci lucrurile \u0219i care este scopul t\u0103u principal.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777472451025\"><strong class=\"schema-faq-question\">Pot lua fonduri nerambursabile pe PFA?<\/strong> <p class=\"schema-faq-answer\">Uneori da, dar multe programe mari sunt construite pentru SRL-uri, micro\u00eentreprinderi \u0219i IMM-uri. Cel mai bine e s\u0103 verifici ghidul programului, nu s\u0103 presupui. Unele apeluri accept\u0103 PFA, multe nu. Pentru startup-uri care vor granturi, SRL-ul este de multe ori forma mai flexibil\u0103.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777472523721\"><strong class=\"schema-faq-question\">Pot cump\u0103ra echipamente \u00eenainte s\u0103 semnez contractul de finan\u021bare?<\/strong> <p class=\"schema-faq-answer\">Nu este recomandat. Multe programe au reguli stricte despre momentul de \u00eencepere a proiectului \u0219i al achizi\u021biilor. Dac\u0103 faci achizi\u021bii prea devreme, ri\u0219ti s\u0103 nu fie eligibile.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777472546672\"><strong class=\"schema-faq-question\">Pot combina grantul cu un credit bancar?<\/strong> <p class=\"schema-faq-answer\">Da, \u00een multe cazuri creditul poate ajuta la cofinan\u021bare sau cashflow, dar trebuie verificat s\u0103 nu existe dubl\u0103 finan\u021bare pentru aceea\u0219i cheltuial\u0103. Pentru investi\u021bii mai mari, combina\u021bia grant + credit + fonduri proprii este foarte comun\u0103.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777472585417\"><strong class=\"schema-faq-question\">Dac\u0103 am datorii la ANAF, mai pot primi finan\u021bare?<\/strong> <p class=\"schema-faq-answer\">Datoriile fiscale pot bloca eligibilitatea, semnarea contractului sau plata. Pentru unele programe se cere lipsa datoriilor la bugetul de stat \u0219i local \u00een anumite momente cheie. Verific\u0103 certificatul de atestare fiscal\u0103 \u00eenainte de aplicare.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777472627570\"><strong class=\"schema-faq-question\">Ce e mai bine: credit sau investitor?<\/strong> <p class=\"schema-faq-answer\">Creditul e mai bun c\u00e2nd ai cashflow predictibil \u0219i vrei s\u0103 p\u0103strezi controlul. Investitorul e mai potrivit c\u00e2nd ai poten\u021bial mare de cre\u0219tere, dar ai nevoie de capital, know-how \u0219i acces la re\u021bele. Cu investitorul nu ai rat\u0103 lunar\u0103, dar cedezi p\u0103r\u021bi sociale \u0219i deciziile devin mai complexe.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777472669715\"><strong class=\"schema-faq-question\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 \u00eenchid firma dup\u0103 ce primesc fonduri?<\/strong> <p class=\"schema-faq-answer\">Po\u021bi ajunge s\u0103 returnezi finan\u021barea, integral sau par\u021bial, dac\u0103 \u00eenchizi firma \u00eenainte s\u0103 \u00eendepline\u0219ti obliga\u021biile din contract: men\u021binere activitate, active, locuri de munc\u0103, perioad\u0103 de durabilitate. Asta trebuie verificat \u00een contractul de finan\u021bare, nu doar \u00een ghid.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vrei s\u0103 \u00eencepi o afacere sau ai deja un business \u0219i vrei s\u0103 \u00eel dezvol\u021bi, dar nu ai bani? Uite ce surse de finan\u021bare exist\u0103 \u0219i care sunt avantajele \u0219i dezavantajele fiec\u0103reia.<\/p>\n","protected":false},"author":3,"featured_media":17581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[372],"tags":[22,31,438,15,37],"class_list":["post-17580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dezvoltare-afacere","tag-antreprenor","tag-cum-poti-sa-incepi-o-afacere","tag-pfa","tag-srl","tag-surse-de-finantare"],"yoast_head":"<!-- This site is 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Cu investitorul nu ai rat\u0103 lunar\u0103, dar cedezi p\u0103r\u021bi sociale \u0219i deciziile devin mai complexe.","inLanguage":"ro-RO"},"inLanguage":"ro-RO"},{"@type":"Question","@id":"https:\/\/startco.ro\/blog\/surse-de-finantare\/#faq-question-1777472669715","position":6,"url":"https:\/\/startco.ro\/blog\/surse-de-finantare\/#faq-question-1777472669715","name":"Ce se \u00eent\u00e2mpl\u0103 dac\u0103 \u00eenchid firma dup\u0103 ce primesc fonduri?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Po\u021bi ajunge s\u0103 returnezi finan\u021barea, integral sau par\u021bial, dac\u0103 \u00eenchizi firma \u00eenainte s\u0103 \u00eendepline\u0219ti obliga\u021biile din contract: men\u021binere activitate, active, locuri de munc\u0103, perioad\u0103 de durabilitate. Asta trebuie verificat \u00een contractul de finan\u021bare, nu doar \u00een ghid.","inLanguage":"ro-RO"},"inLanguage":"ro-RO"}]}},"taxonomy_info":{"category":[{"value":372,"label":"Dezvolt\u0103-\u021bi afacerea"}],"post_tag":[{"value":22,"label":"antreprenor"},{"value":31,"label":"cum po\u021bi s\u0103 \u00eencepi o afacere"},{"value":438,"label":"pfa"},{"value":15,"label":"srl"},{"value":37,"label":"surse de finan\u021bare"}]},"featured_image_src_large":["https:\/\/startco.ro\/blog\/wp-content\/uploads\/StartCo-3-12-min-1024x577.png",1024,577,true],"author_info":{"display_name":"Viviana Popa","author_link":"https:\/\/startco.ro\/blog\/author\/viviana\/"},"comment_info":0,"category_info":[{"term_id":372,"name":"Dezvolt\u0103-\u021bi afacerea","slug":"dezvoltare-afacere","term_group":0,"term_taxonomy_id":372,"taxonomy":"category","description":"","parent":0,"count":43,"filter":"raw","cat_ID":372,"category_count":43,"category_description":"","cat_name":"Dezvolt\u0103-\u021bi afacerea","category_nicename":"dezvoltare-afacere","category_parent":0}],"tag_info":[{"term_id":22,"name":"antreprenor","slug":"antreprenor","term_group":0,"term_taxonomy_id":22,"taxonomy":"post_tag","description":"","parent":0,"count":238,"filter":"raw"},{"term_id":31,"name":"cum po\u021bi s\u0103 \u00eencepi o afacere","slug":"cum-poti-sa-incepi-o-afacere","term_group":0,"term_taxonomy_id":31,"taxonomy":"post_tag","description":"","parent":0,"count":14,"filter":"raw"},{"term_id":438,"name":"pfa","slug":"pfa","term_group":0,"term_taxonomy_id":438,"taxonomy":"post_tag","description":"","parent":0,"count":28,"filter":"raw"},{"term_id":15,"name":"srl","slug":"srl","term_group":0,"term_taxonomy_id":15,"taxonomy":"post_tag","description":"","parent":0,"count":28,"filter":"raw"},{"term_id":37,"name":"surse de finan\u021bare","slug":"surse-de-finantare","term_group":0,"term_taxonomy_id":37,"taxonomy":"post_tag","description":"","parent":0,"count":4,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/posts\/17580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/comments?post=17580"}],"version-history":[{"count":8,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/posts\/17580\/revisions"}],"predecessor-version":[{"id":22422,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/posts\/17580\/revisions\/22422"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/media\/17581"}],"wp:attachment":[{"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/media?parent=17580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/categories?post=17580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/startco.ro\/blog\/wp-json\/wp\/v2\/tags?post=17580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}