During the period of starting a business, your working capital is used up, you can't get a loan, and no one can help you. What should we do?

At the age of 24, I owe my ex-boyfriend about 28,000 yuan in online loans. I helped him pay off his online loan and moved here. I once wrote an article about online lending. At that time, I had not broken up. Comments are urging me to break up. I still feel that I trust my ex-boyfriend. After all, he said he would pay it back for me. After all, it's his own money. Why did you agree to lend him an online loan? I want to marry him. I'm afraid the last two credits will be fine, but I'm afraid they won't.

Yes, not for long. Because of work problems, I left my job and lost my job at home, only to find myself the economic pillar between two people. He was starting a business, delivering goods to others and losing money all the time. This is the so-called blind entrepreneurship, and I still felt that I was very awesome at that time. Repeated discouragement shows that I blocked his road to wealth. Finally, I respected his own choice. I have no income this year, and I am responsible for paying back two people's money when I make money. Rent, water, electricity and life are all paid by me occasionally, and all the salary money is transferred to him within an hour in Cary. Two months after unemployment, I quarreled every day because of money, and I couldn't get the money directly on the repayment date. Even when I was in a trance, he didn't come to me. When I had no money to find him when I repaid, I ignored it and finally chose to break up. This incident hit me hard and I broke down mentally many times.

This video will help you. Please watch carefully.

It is not easy to start a business, and working capital is an indispensable resource and element for starting a business. Without working capital, it is difficult for entrepreneurship to continue.

1. Decide whether to continue. If you really don't think it's necessary to proceed, that's all right.

2. If you want to continue. I suggest you try to borrow money from someone. Of course, it is not easy to borrow money from someone, but you have to try.

3. If the entrepreneurial project is still good, let's see if we can introduce other partners to bring in funds. Personally, I think this operation should be relatively strong.

We should try our best to get a loan. The cause of the epidemic is that many small start-ups are short of money. The state has issued some preferential policies to support the financing of small and micro enterprises. If we study these policies carefully, we may have a bright future.

If all methods have been tried and there is still no way to solve it, then put this entrepreneurial project on hold, find a job first, solve the survival problem, and then start a new business.

I have also started a business, and I know that it is not easy to start a business. Entrepreneurship is sometimes a feeling that requires perseverance and indomitable spirit.

I believe you can solve the current difficulties and tide over the difficulties slowly. I wish all the best!

I'm a bronze horse, the planner. I think there are two situations and two operations in your question, so I give you two suggestions.

The first case and operation suggestions:

The situation is this: If your entrepreneurial project has not improved after several years of verification, and it is difficult to reach all the indicators, then you have to reconsider whether this project really has a prospect. Generally, if this is the case, it can be concluded that the prospect of the project is not very optimistic. My personal suggestion is that there is no need to insist, and it is best to find another profitable business project for the company, otherwise it will become a bottomless pit.

In the second case, the operation suggestions are as follows:

Here's the situation: if the accounts receivable of your entrepreneurial project continue to grow, but it is not profitable, the day when your current funds are not enough to raise profits shows that this project still has prospects. I suggest that you package your own entrepreneurial projects, unify the growth situation in these years, the revenue forecast for the next three years and the long-term prospect of the market to form a plan, and then make clear how much money you are going to pay, how many shares you are going to pay, the dividends of investors and the right to withdraw shares. Then take the investment plan, start with the people around you, publish the information of investment platform on the internet, and strive for investment for yourself through various ways. In some places, entrepreneurship support loans and entrepreneurship competitions should also be participated as much as possible, so that you can have more exhibition opportunities and you will have more possibilities of obtaining investment.

You should have time to plan this process, because time will produce costs, and reaching the maximum load line will not have results, so plan again. Life is still long and there are many opportunities.

During the period of starting a business, it is really a tricky thing to encounter financial difficulties and not borrow money. What should we do?

We can take action from three aspects, and try a Saving Private Ryan-style "three axes", which may turn the tide and save the company from dire straits.

First, sort out the company's products and business.

1, whether the company has products in stock, discounts and promotions, and quick realization.

2. Find the unit leaders who are interested in buying the company's products or cooperation, and strive for them to pay the deposit or part of the payment in advance to solve the urgent need.

3. Discuss with the upstream suppliers of the company, and try to get them to send you raw materials for immediate production, and pay the material fee immediately after you sell these products.

Second, organize the company's finances and accounts.

1. See if the company has any accounts receivable. If yes, go to the door immediately to explain the current situation of the company's capital emergency and try to make a dunning account.

2. See if the company has any accounts payable. If so, discuss it with another leader and ask him to help him. He has to pay for the company's hard times.

Third, sort out the employees of the company team.

1, discuss with employees, strive for a salary reduction or not in difficult times, and then make up everyone's salary when the company has a stable income for a period of time.

2. According to the needs of the company's production and operation, find ways to improve work efficiency and appropriately reduce some inefficient employees.

If all the above three moves are made, and nothing can be done, then the company will enter the liquidation stage.

There is nothing to be afraid of if you fail to start a business. When the conditions and opportunities are ripe, get up and do it again, just like a song says: just start all over again!

According to the experience of entrepreneurs who have served start-up enterprises for many years, this situation exists, especially for entrepreneurs with insufficient start-up funds. Based on our experience, our suggestions for this situation are as follows:

Running out of working capital means that you didn't make a reasonable plan for your finances when you started your business. How much money you have, how much you can do, how long the market return cycle is, which inputs are necessary, which inputs can be postponed, how long the liquidity can last, and so on. There is no plan yet. So the problem of "burning your ass before you know the pain" arises.

The first thing you have to do is to slow down, shrink your defense and "live" first.

Even if the company runs out of liquidity, does it still have its own products or services? To say the least, can you sell your future products or services to your customers in advance, even if it is a development-oriented technical project, even if the technology has not yet been developed?

Give you a real example:

In my circle of friends, there is a friend who makes auto parts. After five years of business, there have been three problems of poor capital chain rupture, all of which are caused by rapid advancement.

Once, the investment in fixed assets was too large, and a large exhibition hall was built. As a result, the money was spent and there was no money to purchase;

On one occasion, because the upstream manufacturers wanted to clear part of the warehouse at a high price, they wanted to take the opportunity to suffer a big loss, and as a result, they locked up the liquidity;

Another time, I worked as a regional agent for a platform, and the agency fee was 7788. The original business liquidity was insufficient!

Three times in five years, you can turn the tide every time, and you can "survive down" by relying on critical moments.

For example, for the first time, he didn't have the money to buy goods, so he went to the downstream auto repair shop and told them that he had some common accessories and sold them at a price lower than 25% of the market price. And ensure the authenticity, fake one loses ten, and can also be notarized.

If the auto repair shop wants to get this ultra-low price, it must become its alliance merchant. The way to become an alliance merchant is also very simple, that is, order 20 thousand at one time. Alliance merchants can take the goods directly or deposit them with him for free. What is taken away cannot be mixed with other commodities, and what is not taken away can be mixed into other accessories at any time as needed.

As a result, in the face of the temptation of ultra-low prices, more than 30 auto repair shops have become his alliance merchants, recovering more than 700,000 working capital. And most of them choose to stock up with him and spend slowly!

In other words, he collects the advance payment from the downstream in advance and has a certain account period from the upstream, which gives him room for liquidity.

Financing can be divided into internal financing and external financing.

(a) Let's talk about domestic financing:

Common target: your employees, relatives, friends and other people who know you;

Take employees as an example:

You can ask employees to apply for credit cards. If your company has five employees and founders, the specific operation is as follows:

(1) Let these five people apply for credit cards at the same time, and one person can apply for three. If the average card has 10000, then the number of cards that each person can handle is about 30000. Five people can handle 6.5438+0.5 million cards.

(2) Everyone's credit cards are paid by the company in a unified way, so individuals don't have to worry.

(3) Take out 30,000 of the 654.38+0.5 million for repeated repayment to ensure that the credit card will not default! (If you don't know about credit card repayment, you can check online.)

(4) The remaining RMB 6,543,800+0,200 is used as the company's temporary working capital, and the money in the credit card will be replaced after the company recovers.

The same idea, you can go to white, borrow white and so on to operate.

A friend of mine got more than1million in this way when he started his business.

(2) Let's talk about external financing.

The object of external financing can be the landlord of your company, the boss of the chamber of commerce, private investors, etc.

The specific operation is as follows:

(1) Signed a convertible bond investment agreement with investors, that is, the investors contributed 500,000 yuan and held certain shares in the company. If investors lose confidence in the return on equity, the money can be counted as a loan to the company, and only a certain interest is charged.

(2) The authorized time for investors to drive convertible bonds is two years later, that is, investors invest in the form of holding equity within two years. After two years, if investors decide to turn into debt, funds can be turned into debt.

This gives you two years to use this fund, which is enough for your development.

I hope the above sharing is useful to you! Welcome to comment and exchange!

Saw two things:

If my sharing inspires you, can you do me a favor?

Lonely entrepreneur's point of view: according to the actual situation, decide whether to stop loss in time.

From 2020 to now, except for Internet companies, most small and micro enterprises are quite unfriendly, because they can't start work, can't generate operating income, and can't cut costs, which leads to frequent depletion of the cash pool. Because I don't know your project progress stage and industry, I will simply analyze it according to the project progress.

1, at the beginning of the business.

This early definition is that the team has just been formed, and this problem is caused by external factors of force majeure. It is recommended to stop the loss quickly, and no one knows where your team will go in the next three months. What's more, it is unknown whether the external environment can return to last year and how long it will take.

2. In the middle and late stage of starting a business

In particular, the team has been formed, and soon it will have revenue. In this case, the whole team needs to fully discuss the company's prospects. Where are the opportunities? What are the chances? How long will it take to change this situation?

If the result of the discussion is that there are no opportunities and prospects, then the project will be closed immediately like the first plan. If there is a greater opportunity to move forward, we need to do the following work well: reduce all costs (including the R&D cost of continuous investment), realize warehouse resources, communicate employees' salaries (by stages or pay reduction), lay off employees, reduce office space, develop core employees to become company partners, share shares, and integrate resources to actively create income.

Only when the whole team reaches * * * knowledge can we save ourselves more effectively. If the team insists, supports hard and the employees are pessimistic, then don't do it again!

To sum up: because you can't clearly judge the cash exhaustion and the actual situation, you can't make more targeted suggestions. Please think carefully about the specific situation according to the above suggestions. Finally, I send you a word: let go of your feelings and face the reality!

Sure, I wish you success!

As an experienced person, a person who runs hard on the road to entrepreneurship, the following are my views and suggestions. If you run out of working capital in the process of starting a business, I think you should stop. Why? Because every entrepreneur (except those who are hot-headed) must have done his homework and made full plans for what he is about to do, including the mobility you mentioned. However, your current working capital has been used up, indicating that there is something wrong with your plan or even your project. Stopping doesn't mean giving up, but seriously thinking, summing up and restarting your plan to provide a basis for the next step. What if after the resumption of trading, you think that there is no problem with your plans and projects, the loan can't be taken out, and no one is willing to lend you money? First of all, if you are a product manufacturer, you should sell your products at a low price without losing money and withdraw funds for yourself. Second, find ways to reduce your own costs, such as the rent of office space, see if you need this grade you are renting now, and find out if anyone is overstaffed. Third, open source, make a list of people you know, sort them out and see if those people have anything to do with what you are doing now. It can help you. First, develop relationships around you. I believe there should be a lot of goods in your existing circle! Finally, remember a word, no matter what you do, you must be able to calculate, not others, but life, management, cost, output and profit! Come on, the road is difficult, but it will end!