Business Angels

   And there are no business angels in Western Europe - I hear it from you. My relative NEBulgarin opened a startup for applications and is financed on the Internet, but no one gives you money without rent - part of the profit. You read a lot of stories. Not everyone becomes a businessman, you have to be the first in an idea or be the best and cheapest

   Business angels? To me, this sounds like some kind of balaclavas who are ready to give money to everyone without actually having any guarantee that they will ever see their money back. I do not believe that such a charitable organization exists in Bulgaria! See banks and companies giving "fast loans" as much as you want! However, everywhere they want some kind of guarantee, whether an employment contract or something else, but something that guarantees that they will see their money back. Because ideas, well, everyone can have all kinds of ideas, but they are realized, they are not and hardly anyone is so crazy as to give so much money just because of one of your naked enthusiasm. I'm sorry, it sounds pretty disappointing, but it's true! So either accept your friend's offer, which seems pretty unfair to me, or try to find a job and already apply for a loan with your employment contract (I do not advise you to take "quick loans", because the interest rates there are deadly). So he seems to have found a stable job the best, and that left him with the business for a few years.

   Dude, the way I listen to you, you don't become a businessman at all. First, there are business angels in Bulgaria. Just google and you will get the network of business angels. You haven't even done that, and you will do business. And if 40-60 seems unfair to you, I'll tell you it's usually 50-50. On top of that, you are obliged to buy the investor's share in 3-5 years. What do you think? That you found hot water? Everyone has ideas, but money ... Whoever you ask, everyone will tell you there is an idea, but everyone will also say that they need money. By being so open, find a fairer investor. You remember that he takes the risk entirely. What do you think a bright future awaits you? Of the 10 new companies, 1 survives. When you go bankrupt, your headlight will hurt, but it will be inside everywhere. If you were more interested, you would know that such funding is given to managers with experience in the field and contacts, as well as those with quality teams, which is the biggest asset. What team do you have? From beginner enthusiasts? We are talking about the funded from 50 to 500 vouchers. You with your 10 grand are funny. If you understood so much about business, you would get them out in 3 months. without effort and almost without capital. Money is not made with money, but with skills. Big projects are already being made with money. It's just funny to me to look for the great understanding, and to ask for 10 vouchers, even if you have claims for the profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. and those with built quality teams, which is the biggest asset. What team do you have? From beginner enthusiasts? We are talking about the funded from 50 to 500 vouchers. You with your 10 grand are funny. If you understood so much about business, you would get them out in 3 months. without effort and almost without capital. Money is not made with money, but with skills. Big projects are already being made with money. It's just funny to me to look for the great understanding, and to ask for 10 vouchers, even if you have claims for the profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. and those with built quality teams, which is the biggest asset. What team do you have? From beginner enthusiasts? We are talking about the funded from 50 to 500 vouchers. You with your 10 grand are funny. If you understood so much about business, you would get them out in 3 months. without effort and almost without capital. Money is not made with money, but with skills. Big projects are already being made with money. It's just funny to me to look for the great understanding, and to ask for 10 vouchers, even if you have claims for the profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. You with your 10 grand are funny. If you understood so much about business, you would get them out in 3 months. without effort and almost without capital. Money is not made with money, but with skills. Big projects are already being made with money. It's just funny to me to look for the great understanding, and to ask for 10 vouchers, even if you have claims for the profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. You with your 10 grand are funny. If you understood so much about business, you would get them out in 3 months. without effort and almost without capital. Money is not made with money, but with skills. Big projects are already being made with money. It's just funny to me to look for the great understanding, and to ask for 10 vouchers, even if you have claims for the profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. that and claims to have for profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think. that and claims to have for profit. How much will you earn on the market, do you have experience in trade, do you know how to survive in a competitive environment? Everyone is a businessman, but in practice 10% survive within 5 years, and within 10 years only 1%. It's not ori-meli-jaj, as you think.

   He has business angels and they are in regular business. The most important thing is how much your business is valued. The idea itself has no evaluation. Ideas cost a dozen for a dime, as the expression is in English. I have an idea to build an elevator to the moon, so how much does this idea cost? After evaluating the business, if any (contracts, profits, participants, property, computers, etc.), and if not, then based on a business plan (the business plan never comes out accurate, so it is just a plan) the participation of the depositor can be seen. For example, if your business is valued at 10,000, if the investor gives you 10,000 then he should have a 50% stake because the business already costs 20,000. This is because you, your work and everything you have invested in the business go into the evaluation of this business. If you have not invested, then the business is worth only your labor and effort - your idea is not worth it, I repeat, who knows how much. If there is not at least a little bit of business to see what the hell it is, but just a hanging idea, then the risk for the investor is great when things do not work out. You don't waste much of your time and effort. However, the depositor loses real money! "Dry money" costs more than one idea because it is the result of another "idea" that has already been proven in action. Don't worry about having, for example, "only" 60% participation - this is the typical shock of a beginner. That's quite a lot: 60% of 1 million are 600,000! Your share would be low, either because the business or the idea is not worth much, or it is a very risky venture, which is still this. And you don't even have to be first in an endeavor, nor to be the cheapest or the best. Number one talks nonsense. Ready example: Apple and Microsoft. Neither Apple invented the smartphone nor the Microsoft operating system, not to mention that they are not cheap at all, especially the first one. And who was the best can not be judged at all. Nor did the Japanese invent cars. The idea for a smartphone came from Nokia, the graphics OS from Xerox, and the mobile phone is from Motorola.

   Well, why don't you get a job and take out a loan? If the interest rates are similar to those of the banks, then you should not be confused. Besides, what is the guarantee that if someone gives you such an amount, then you will return it to him? I have never heard of such a practice. As for fresh fruit, there is no such thing in stores now, at least I have not seen. The juices, which are supposed to be "natural", are chemistry and have nothing to do with fresh. I'm not sure if it's even possible to pack freshly squeezed juice permanently without losing its useful properties. Even if it can, however, the investment there is for much over 10,000-15,000  .

   What exactly do you think is not fair to share the profits? Your man takes out 10,000 and takes the whole risk because if he doesn't ruin your business, he will see this money through crooked pasta. So he should put his head in the bag with 100% of the capital, if there is a profit for you to take it away, if not - he had a lot of money. Is that fair?

   I don't know, but most of you missed the thin moment, with the return of the money and the continuous taking of the profit. If you invest in a business and then withdraw your capital from it, on what basis do you take a percentage of the profit? I am addicted to such endeavors. If the idea of ​​a seeking investor has a real chance of profit, then I would gladly enslave him ... and invest in him. In the worst case, he will return my money with interest. That this is wonderful. With a few hundred thousand levs, I can enslave 50 people who will bring me high incomes or in the bad, for them, of course, case ", to take their houses.

   Number 6 - the person does not take any risk. He gives a loan that the other will have to pay, probably with interest. And if the business starts - not only will it take its money, but it will also make a good profit. If he doesn't leave ... there will be someone to enslave him for a few years.

   Hello. That's exactly what I don't like. I agree to return the investment to him 3, but to know that in the future the income will be for me. I even offered him a refund and 80 to 20. He said, "So that's stupid, where am I going?" he wants to be sidelined and go to the store only as a last resort. This denies me that in the future he does not want to buy his shares, but to have a side income, if things work out at all. Thanks for everyone's shared opinion. Number 3, I don't understand your aggressive tone. How do you know I didn't bother to check for business angels. I did it, but I wanted to see if anyone had actually heard of anyone going to Bulgaria this way. Because there are many prestigious organizations, copied according to the western model, but do not function in practice in Bulgaria. And no, I don't pretend to understand, because this is my first step in the study for small business, because I'm 26 and purely in life there are still things to learn from ...

   7 and 8, read more about the story and read what a business angel is before commenting. It has nothing to do with credit or enslavement, at least with the return of money and interest. I will not waste my time explaining to you, you can read on the net yourself, but please do not comment on things that you do not understand and have nothing to do with the topic. I will only tell you that the risk is taken entirely by the angel, because in case of failure no one returns a penny, so what kind of enslavement chases you. He doesn't even have collateral, it's not a loan.

   Such an angelic investment is highly risky and is not guaranteed by the recipient's property. If the business venture fails, the investor loses the amount and simply "drinks a cold water." If guarantees are needed then one can go for a bank loan.

   N8, except that we miss the thin point of how solvent the borrower will be if his business does not start. He is now unable to secure 10K, and what is left if it does not work out and he has to return it not only to the creditor but also to suppliers, etc ... That is why I keep saying that the creditor will see this money in crooked pasta! So with such a high risk, it is quite normal to offer part of a "pie". If the idea is so revolutionary to bet (the questioner) on the croud founding. There are many sites, Facebook, etc. 1000 people to finance it with BGN 10 each will then pay them dividends. To see the site kikstrter, but this also has risks, to get the idea, for example.

   12, I have lived in Bulgaria for some time and I have seen how a person with a salary of 600 BGN returns 450 of those to a creditor, and also goes and washes his car every day, for no money. I also know one who has a black worker, to whom he does not pay, but only "forgives" a small part of the loan. And how many moneylenders there are who have taken houses and apartments, given that they have given a loan of 6-7000 leva, is not true ... Believe me, it leads to suicides of people aged 25.

   People, most commenters confuse lending with investing. This is definitely about investing, ie I give and become part of something through a share / share, drawing the consequences for it. Basically, it is a risk that is always on the side of the giver of money, as the giver seeks to compensate him in one way or another, whether through possession (investment), or through interest and some collateral (credit).

   Author, would you give so much money that you have saved for years to a person who has no experience, given that statistically 99% of start-ups do not survive long-term? And if so under what conditions? Do you realize at all what risk it takes, unlike you, where you will still have to lose them? The probability of getting his money back is no more than 5%. My tone is aggressive because you have big claims, and in return you only offer a risk and a dubious idea, which 100% of people have. Why give them to you and not someone with experience? These, hardly superfluous to him. He didn't want 40 out of 60. If you don't want me, work for 10 years, save them and risk them. If you lose them, save another 10 years. And are you sure you will need 10 vouchers? In 99% of cases, it turns out that they need more than expected. If you spend his money and it turns out that you needed 5 more to start, what do we do? And did you know that in the first year you will most likely accumulate losses. How will you cover them? You have to live with something separately. Who will cover your losses and who will support you during this time? I will be very surprised if you have meaningful answers to my questions. At one time I was an enthusiastic optimist like you, but I learned from my mistakes after many losses in a difficult way. But unlike you, I knew I was funny and didn't risk other people's money to be able to look people in the eye after all. I started with small things and small amounts to learn. And it wasn't until I learned that I started with more money. You have no idea about anything, but you left with 10 vouchers and foreign money. With health from number 3 How will you cover them? You have to live with something separately. Who will cover your losses and who will support you during this time? I will be very surprised if you have meaningful answers to my questions. At one time I was an enthusiastic optimist like you, but I learned from my mistakes after many losses in a difficult way. But unlike you, I knew I was funny and didn't risk other people's money to be able to look people in the eye after all. I started with small things and small amounts to learn. And it wasn't until I learned that I started with more money. You have no idea about anything, but you left with 10 vouchers and foreign money. With health from number 3 How will you cover them? You have to live with something separately. Who will cover your losses and who will support you during this time? I will be very surprised if you have meaningful answers to my questions. At one time I was an enthusiastic optimist like you, but I learned from my mistakes after many losses in a difficult way. But unlike you, I was aware that I was funny and didn't risk other people's money to be able to look people in the eye after all. I started with small things and small amounts to learn. And it wasn't until I learned that I started with more money. You have no idea about anything, but you left with 10 vouchers and foreign money. With health from number 3 but I learned from my mistakes after many losses the hard way. But unlike you, I knew I was funny and didn't risk other people's money to look people in the eye after all. I started with small things and small amounts to learn. And it wasn't until I learned that I started with more money. You have no idea about anything, but you left with 10 vouchers and foreign money. With health from number 3 but I learned from my mistakes after many losses the hard way. But unlike you, I was aware that I was funny and didn't risk other people's money to be able to look people in the eye after all. I started with small things and small amounts to learn. And it wasn't until I learned that I started with more money. You have no idea about anything, but you left with 10 vouchers and foreign money. With health from number 3

   Thanks again for the tips. Just to say that I have saved 10,000 for 7-8 months max abroad. And it is decided. I will go and make them for myself, and I will try myself. I don't think there's any reason to divide future lifelong earnings into percentages as much as I do. If I sink, at least I won't be upset. If things go well, I will reap the fruits of my labor ...

   to 16 from the "unscrupulous" number 3 A, came to mine at last. Believe me, for your own good it is what you have decided. When you play with personal money, you are more free and not mentally burdened. If you lose, only you lose with a clear conscience, if you win, you only win again and have fun. This way you can gain a much more effective experience. And let me know a free piece of advice - DO NOT do business with partners, because it is a matter of time to quarrel and it becomes tragic for the business. There always comes a time when you start to have different opinions about the development of the business and then it gets scary, not to mention that one will always try to fuck the other at a convenient time. And instead of doing business, you think about whether they won't fuck you or how to fuck, and this, contrary to the thinking of many native "businessmen", is not business. And they suffer from it. If you are going to work with a partner, do it with the idea of ​​being temporary (max. 3 to 5 years) and with a specific purpose. Have a plan from the beginning on how you will separate and when. He even mentioned it in a contract, if necessary, as business angels do. It is no coincidence that this type of transaction lasts up to 5 years, then you are obliged to buy the case. Another piece of advice - don't fuck up the workers, pay them well, treat them well, don't do like most villagers who think of themselves as businessmen. Because they can kick out a lot of customers if they have a tooth and they'll give it back to you, especially if they spread your fame all over the city. I have witnessed several times how he went bankrupt because of bad treatment of workers. You have orders, and there is no one to fulfill them and blow. Third tip - while working, be interested in business in theory, I recommend the site

 Sorry for the aggressive tone, it was not accidental, but get used to it, because no one in business will split your basma. Everyone will challenge you, test you, incl. and clients, and it is difficult to work with clients, because there are all kinds - both complexes and decent ones. Don't be a petty taker, but think long-term, not to fuck the client today, but whatever happens tomorrow. Offer them the best and appreciate them. If your product is sour, throw it away, don't offer it. Better a poor horse than no horse at all. And if you failed to convince the investor, how will you convince clients? Have a plan on how to attract customers - a sales plan is called. Ask yourself, if you were a customer, why would you choose this particular restaurant, for example. What do you offer that others do not have? If you can't answer this question, you better not start, you will save yourself a lot of losses and disappointments. and when it doesn't work and you swallow pines, believe me it hurts a lot. Especially if you owe it to the state. I've seen ruined businessmen and it's not a pleasant sight. There were also suicide attempts, and I'm talking about people with mentality and character. Read also about UTP (unique commercial offer). Learn, learn and learn again. And then start. If you are given 6 hours to cut down a tree, you better spend the first 3 sharpening the ax. A Jewish proverb. It is no coincidence that the Jews are so successful. Less than one percent are worldwide, and 25 percent of Nobel laureates are Jews. Come on, PS success: never be a competitor to a Jew, he will chew you and spit you out and he will chew you again. They are very cunning. If you are given 6 hours to cut down a tree, you better spend the first 3 sharpening the ax.

A Jewish proverb. It is no coincidence that the Jews are so successful. Less than one percent are worldwide, and 25 percent of Nobel laureates are Jews. Come on, PS success: never be a competitor to a Jew, he will chew you and spit you out and he will chew you again. They are very cunning. If you are given 6 hours to cut down a tree, you better spend the first 3 sharpening the ax. A Jewish proverb. It is no coincidence that the Jews are so successful. Less than one percent are worldwide, and 25 percent of Nobel laureates are Jews. Come on, PS success: never be a competitor to a Jew, he will chew you and spit you out and he will chew you again. They are very cunning.