{"id":17580,"date":"2022-02-17T09:33:55","date_gmt":"2022-02-17T07:33:55","guid":{"rendered":"https:\/\/startco.ro\/blog\/?p=17580"},"modified":"2023-06-08T16:16:39","modified_gmt":"2023-06-08T14:16:39","slug":"surse-de-finantare","status":"publish","type":"post","link":"https:\/\/startco.ro\/blog\/surse-de-finantare\/","title":{"rendered":"Surse de finan\u021bare ale unei afaceri"},"content":{"rendered":"\n<p>Fie c\u0103 e\u0219ti la \u00eenceput de antreprenoriat, \u0219i <a href=\"https:\/\/startco.ro\/infiintare-srl\" target=\"_blank\" rel=\"noreferrer noopener\">vrei s\u0103 \u00eencepi o afacere<\/a>, sau, ai deja un business \u0219i vrei s\u0103 \u00eel dezvol\u021bi, ai nevoie de bani care s\u0103-\u021bi sus\u021bin\u0103 planul. Iat\u0103 care sunt cele mai importante surse de finan\u021bare ale unei afaceri \u0219i cum ar trebui s\u0103 o alegi pe cea potrivit\u0103 pentru business-ul t\u0103u.<\/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-tipuri-de-surse-de-finan\u021bare-ale-unei-afaceri\" data-level=\"2\">Tipuri de surse de finan\u021bare ale unei afaceri<\/a><\/li><li><a href=\"#h-surse-de-finan\u021bare-prin-aport-de-capital\" data-level=\"2\">Surse de finan\u021bare prin aport de capital<\/a><ul><li><a href=\"#h-finan\u021bare-de-la-familie-\u0219i-prieteni\" data-level=\"3\">Finan\u021bare de la familie \u0219i prieteni<\/a><\/li><li><a href=\"#h-investitori-business-angels-angel-investors\" data-level=\"3\">Investitori (business angels\/angel investors)<\/a><\/li><li><a href=\"#h-finan\u021bare-nerambursabila-granturi\" data-level=\"3\">Finan\u021bare nerambursabil\u0103 (granturi)\u00a0<\/a><\/li><li><a href=\"#h-crowdfunding\" data-level=\"3\">Crowdfunding<\/a><\/li><li><a href=\"#h-emisiunea-vanzarea-de-ac\u021biuni\" data-level=\"3\">Emisiunea\/v\u00e2nzarea de ac\u021biuni\u00a0<\/a><\/li><\/ul><\/li><li><a href=\"#h-surse-de-finan\u021bare-imprumutate\" data-level=\"2\">Surse de finan\u021bare \u00eemprumutate<\/a><ul><li><a href=\"#h-contractarea-de-credite-bancare-pe-termen-mediu-\u0219i-lung\" data-level=\"3\">Contractarea de credite bancare pe termen mediu \u0219i lung\u00a0<\/a><\/li><li><a href=\"#h-imprumuturi-de-la-ac\u021bionari\" data-level=\"3\">\u00cemprumuturi de la ac\u021bionari\u00a0<\/a><\/li><li><a href=\"#h-credite-de-la-furnizori-\u0219i-clien\u021bi-creditul-comercial\" data-level=\"3\">Credite de la furnizori \u0219i clien\u021bi (creditul comercial)\u00a0<\/a><\/li><\/ul><\/li><li><a href=\"#h-surse-de-finan\u021bare-inchiriate\" data-level=\"2\">Surse de finan\u021bare \u00eenchiriate<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tipuri-de-surse-de-finan\u021bare-ale-unei-afaceri\">Tipuri de surse de finan\u021bare ale unei afaceri<\/h2>\n\n\n\n<p>Toate finan\u021b\u0103rile presupun un anumit cost, a\u0219a c\u0103 \u00eenainte de a alege trebuie s\u0103 analizezi cu aten\u021bie toate variantele. De re\u021binut c\u0103 po\u021bi alege una sau mai multe surse pentru finan\u021barea business-ului t\u0103u.<\/p>\n\n\n\n<p>Astfel, \u00een func\u021bie de nevoile firmei, \u0219i de costurile pe care le po\u021bi suporta, po\u021bi alege lansarea sau dezvoltarea afacerii tale prin<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>surse de finan\u021bare prin aport de capital<\/li>\n\n\n\n<li>surse de finan\u021bare prin \u00eemprumut &#8211; ob\u021binute prin \u00eendatorare&nbsp;(credite bancare\/\u00eemprumuturi de la ac\u021bionari\/credite de la furnizori)<\/li>\n\n\n\n<li>surse \u00eenchiriate<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-surse-de-finan\u021bare-prin-aport-de-capital\">Surse de finan\u021bare prin aport de capital<\/h2>\n\n\n\n<p>Sunt sursele de finan\u021bare prin care po\u021bi ob\u021bine aportul de capital necesar afacerii tale, f\u0103r\u0103 a te \u00eendatora. Principalele surse de finan\u021bare prin aport de capital sunt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>fonduri proprii (economii)<\/li>\n\n\n\n<li>familie \u0219i prieteni<\/li>\n\n\n\n<li>investitori<\/li>\n\n\n\n<li>finan\u021b\u0103ri nerambursabile<\/li>\n\n\n\n<li>emisiunea de ac\u021biuni<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finan\u021bare-de-la-familie-\u0219i-prieteni\">Finan\u021bare de la familie \u0219i prieteni<\/h3>\n\n\n\n<p>Este tipul de finan\u021bare preferat de orice antreprenor datorit\u0103 <strong>avantajelor<\/strong> sale:&nbsp;<\/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&nbsp;<\/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-investitori-business-angels-angel-investors\">Investitori (business angels\/angel investors)<\/h3>\n\n\n\n<p>O alt\u0103 surs\u0103 de finan\u021bare pe care o po\u021bi avea \u00een vedere este finan\u021barea ob\u021binut\u0103 de la&nbsp;investitori priva\u021bi (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><strong>Avantaje<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>odat\u0103 cu ob\u021binerea de fonduri, vei beneficia \u0219i de know-how-ul acestora; astfel, vei avea acces la informa\u021bii pre\u021bioase despre cum func\u021bioneaz\u0103 afacerile \u0219i despre ce po\u021bi \u00eembun\u0103t\u0103\u021bi \u00een business-ul t\u0103u<\/li>\n\n\n\n<li>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<\/ul>\n\n\n\n<p><strong>Dezavantaje<\/strong>:<\/p>\n\n\n\n<p>Poate fi dificil s\u0103-i convingi pe investitori (care au \u00eent\u00e2lnit numeroase idei de afaceri) c\u0103 afacerea ta este una care s\u0103 merite investi\u021bia lor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finan\u021bare-nerambursabila-granturi\">Finan\u021bare nerambursabil\u0103 (granturi)&nbsp;<\/h3>\n\n\n\n<p>Reprezint\u0103 o solu\u021bie de finan\u021bare accesibil\u0103 deopotriv\u0103 firmelor nou \u00eenfiin\u021bate, c\u00e2t \u0219i celor \u00een curs de dezvoltare, care vor s\u0103 realizeze anumite investi\u021bii. Fondurile pe care le po\u021bi accesa sunt sume de bani puse la dispozi\u021bie antreprenorilor&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de Uniunea European\u0103<\/li>\n\n\n\n<li>de c\u0103tre stat prin programe specifice<\/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>aplicarea pentru fonduri nerambursabile implic\u0103 mult\u0103 birocra\u021bie<\/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-crowdfunding\">Crowdfunding<\/h3>\n\n\n\n<p>Este o modalitate prin care po\u021bi s\u0103 atragi surse de finan\u021bare pe platforme online special destinate unui astfel de caz.&nbsp;<\/p>\n\n\n\n<p><strong>Ce presupune?<\/strong><\/p>\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. 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><strong>Tipuri de crowdfunding<\/strong><\/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><strong>Care sunt beneficiile?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>spre deosebire de alte forme de finan\u021bare, prin aceste platforme po\u021bi ob\u021bine investitori \u00eenc\u0103 dinainte de a lansa afacerea\/produsul.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p><strong>De ce NU este \u00eentotdeauna o solu\u021bie avantajoas\u0103?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>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 &#8222;totul sau nimic\u201d. 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<\/ol>\n\n\n\n<p><strong>Pe ce platforme de crowdfunding po\u021bi ob\u021bine bani pentru afacerea ta?<\/strong><\/p>\n\n\n\n<p>Te po\u021bi \u00eenscrie pe platforme precum <a href=\"https:\/\/www.indiegogo.com\/\">Indigogo<\/a>, <a href=\"https:\/\/www.kickstarter.com\/\">Kickstarter<\/a>, <a href=\"https:\/\/seedblink.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seedblink <\/a>etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-emisiunea-vanzarea-de-ac\u021biuni\">Emisiunea\/v\u00e2nzarea de ac\u021biuni&nbsp;<\/h3>\n\n\n\n<p>Este caracteristic\u0103 mai ales companiilor mari (prin listarea la burs\u0103).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-surse-de-finan\u021bare-imprumutate\">Surse de finan\u021bare \u00eemprumutate<\/h2>\n\n\n\n<p>Spre deosebire de sursele proprii, implic\u0103 o datorie \u0219i anumite dezavantaje de care trebuie s\u0103 \u021bii cont \u00eenainte de a lua o decizie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>trebuie s\u0103 rambursezi sumele ob\u021binute, \u0219i de cele mai multe ori, cu o dob\u00e2nd\u0103 aferent\u0103<\/li>\n\n\n\n<li>dac\u0103 nu respec\u021bi clauzele contractuale stabilite, trebuie s\u0103 achi\u021bi penalit\u0103\u021bi \u0219i amenzi.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Totu\u0219i, aceast\u0103 solu\u021bie nu afecteaz\u0103 procesul decizional, motiv pentru care ai putea s\u0103 iei \u00een considerare una din urm\u0103toarele solu\u021bii:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-contractarea-de-credite-bancare-pe-termen-mediu-\u0219i-lung\">Contractarea de credite bancare pe termen mediu \u0219i lung&nbsp;<\/h3>\n\n\n\n<p>Este potrivit\u0103 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.<\/p>\n\n\n\n<p>\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<h3 class=\"wp-block-heading\" id=\"h-imprumuturi-de-la-ac\u021bionari\">\u00cemprumuturi de la ac\u021bionari&nbsp;<\/h3>\n\n\n\n<p>Constituie o alternativ\u0103 la aportul la capital \u0219i presupune restituirea sumelor \u00eentr-o perioad\u0103 stabilit\u0103 contractual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credite-de-la-furnizori-\u0219i-clien\u021bi-creditul-comercial\">Credite de la furnizori \u0219i clien\u021bi (creditul comercial)&nbsp;<\/h3>\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;<\/p>\n\n\n\n<p><strong>Cum func\u021bioneaz\u0103 creditul comercial?<\/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<h2 class=\"wp-block-heading\" id=\"h-surse-de-finan\u021bare-inchiriate\">Surse de finan\u021bare \u00eenchiriate<\/h2>\n\n\n\n<p>Cea mai cunoscut\u0103 solu\u021bie de finan\u021bare \u00eenchiriat\u0103 este leasingul. Printr-un contract de leasing, societatea 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><strong>De ce este avantajos un contract de leasing?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>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.&nbsp;<\/li>\n\n\n\n<li>Ratele achitate \u00een cadrul contractului de leasing sunt deductibile fiscal.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>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. Analizeaz\u0103 toate solu\u021biile prezentate \u0219i alege-o pe cea care \u00ee\u021bi poate maximiza afacerea.<\/p>\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? Iat\u0103 ce surse de finan\u021bare exist\u0103<\/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":[22,23,31,33,37],"class_list":["post-17580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dezvoltare-afacere","tag-antreprenor","tag-antreprenoriat","tag-cum-poti-sa-incepi-o-afacere","tag-de-la-angajat-la-antreprenor","tag-surse-de-finantare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.5 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Surse de finan\u021bare ale unei afaceri | StartCo<\/title>\n<meta name=\"description\" content=\"Vrei s\u0103 \u00eencepi o afacere sau ai deja un business \u0219i vrei s\u0103 \u00eel dezvol\u021bi, dar nu ai bani? 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