Marketing Research On Funding a New Small Business

Funding a Small Business
Name
Institutional Affiliation
Introduction
Looking for finances for starting a business is a difficult task. The first step to starting an enterprise is always the hardest because it is at that time that the business owner starts to get experience and challenges involved in running a business. Raising capital has a great aftereffect on how the business will run and how the customers will relate to it as well. The initial costs involved in setting the business up are fundamental in asserting that the risk taken will be worth the trouble. The priorities involved in making the financial decisions are important to note ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1111/j.1540-627X.2007.00195.x", "ISBN" : "0047-2778 U6 - ctx_ver=Z39.88-2004&ctx_enc=info%3Aofi%2Fenc%3AUTF-8&rfr_id=info:sid/summon.serialssolutions.com&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft.genre=article&rft.atitle=Small+Business+Credit+Scoring+and+Credit+Availability&rft.jtitle=Journal+of+Small+Business+Management&rft.au=Berger%2C+Allen+N&rft.au=Frame%2C+W.+Scott&rft.date=2007-01-31&rft.pub=Blackwell+Publishing+Inc&rft.issn=0047-2778&rft.volume=45&rft.issue=1&rft.spage=5&rft.epage=22&rft_id=info:doi/10.1111%2Fj.1540-627X.2007.", "ISSN" : "00472778", "abstract" : "U.S. commercial banks are increasingly using small business credit\u2010scoring models to underwrite small business credits. The paper discusses this lending technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and policy issues.", "author" : [ { "dropping-particle" : "", "family" : "Berger", "given" : "Allen N.", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Frame", "given" : "W. Scott", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" } ], "container-title" : "Journal of Small Business Management", "id" : "ITEM-1", "issue" : "1", "issued" : { "date-parts" : [ [ "2007" ] ] }, "page" : "5-22", "title" : "Small business credit scoring and credit availability", "type" : "article", "volume" : "45" }, "uris" : [ "/documents/?uuid=25f3cac2-d077-40be-861e-f19e80229760" ] } ], "mendeley" : { "formattedCitation" : "(Berger & Frame, 2007)", "plainTextFormattedCitation" : "(Berger & Frame, 2007)", "previouslyFormattedCitation" : "(Berger & Frame, 2007)" }, "properties" : { "noteIndex" : 0 }, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json" }(Berger & Frame, 2007). Managing the priorities are the most important things to consider when handling business matters. Misplacing the priorities may lead to the business becoming a failure in the process ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1016/j.jbusres.2015.12.016", "ISSN" : "01482963", "abstract" : "Small and medium-sized enterprises (SMEs) are the driving force of the whole economy. An analysis of the data collected during the interdisciplinary research in 2008-2012 on a sample of 345 entrepreneurs operating in Poland shows that a statistically significant correlation exists between the recitals that take up economic activities and the choice of the source of the initial capital. People who indicate financial motives often take up economic activities using their own funding resources, or loans, credits-the funds that they had originally earned or they will have to earn to pay in the future. The analysis shows that those showing non-financial motives have used non-refundable EU funds. The multidimensional scaling analysis of funding sources shows that people who indicate financial motives diverge slightly different from groups of financial sources than those that indicate non-financial motives. People who undertake business activity to generate greater earnings/accumulate wealth are more likely to use their own capital or repayable funds. The results of the present study should be helpful in re-considering the European Union procedures for granting a financial non-refundable aid for people.", "author" : [ { "dropping-particle" : "", "family" : "Staniewski", "given" : "Marcin W.", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Szopi\u0144ski", "given" : "Tomasz", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Awruk", "given" : "Katarzyna", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" } ], "container-title" : "Journal of Business Research", "id" : "ITEM-1", "issue" : "6", "issued" : { "date-parts" : [ [ "2016" ] ] }, "page" : "2108-2112", "title" : "Setting up a business and funding sources", "type" : "article-journal", "volume" : "69" }, "uris" : [ "/documents/?uuid=96d8b5fa-65c8-440a-a914-c3bb1dc4a5d2" ] } ], "mendeley" : { "formattedCitation" : "(Staniewski, Szopi\u0144ski, & Awruk, 2016)", "plainTextFormattedCitation" : "(Staniewski, Szopi\u0144ski, & Awruk, 2016)", "previouslyFormattedCitation" : "(Staniewski, Szopi\u0144ski, & Awruk, 2016)" }, "properties" : { "noteIndex" : 0 }, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json" }(Staniewski, Szopiński, & Awruk, 2016). To do so effectively, one should ask him/herself questions that pertain to the financial needs of the business. Asking the appropriate questions lead to efficient management of the fund needed by the business. Questions such as the nature of the need, the urgency of the need, the degree of the risk, the nature of the business and the compatibility of the financial plan with the business are all important in the considerations made when dealing with the business’s finances. The effects of a good financial plan will be seen in the resultant
Asset Requirements
One of the most important aspects of the business that needs to paid attention to is its asset holdings. The assets describe the amount of investments that need to be put in order to make the business marketable to investors. They also dictate the operating costs that will be incurred during the setting up of the business. They also give a hint of the collateral that will be needed in case the business owner will need a loan in order to secure his business’s stability. Additionally, the asset requirements also determine the time frame that will be needed in order to raise the necessary funds ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "18042724", "ISSN" : "1804-2724", "PMID" : "19713399", "abstract" : "Business Intelligence (BI) systems provide users for information and analysis to better support with tactical and strategic business decision processes. This article summarizes the current trends in BI systems, discusses aspects of BI tools and BI solutions in small and medium businesses. Principles of integration of multidimensional views of business data with analytical and visualization tools are studied and described here. An example of a BI solution implementation in a small company shows how the multidimensional analytical data model and related applications can be designed, created and implemented for the small company. [ABSTRACT FROM AUTHOR]", "author" : [ { "dropping-particle" : "", "family" : "Horakova", "given" : "Marketa", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Skalska", "given" : "Hana", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Olszak", "given" : "Celina M", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Ziemba", "given" : "Ewa", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Fitriana", "given" : "Rina", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Djatna", "given" : "Taufik", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Kursan", "given" : "Ivana", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Mihi\u0107", "given" : "Mirela", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Albescu", "given" : "F", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Pugna", "given" : "I", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Paraschiv", "given" : "D", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" } ], "container-title" : "Journal of Systems Integration", "id" : "ITEM-1", "issue" : "2", "issued" : { "date-parts" : [ [ "2013" ] ] }, "page" : "50-62", "title" : "Business Intelligence and Implementation in a Small Enterprise.", "type" : "article-journal", "volume" : "4" }, "uris" : [ "/documents/?uuid=0eb9991a-316e-4ead-879c-63b475fd6b6f" ] } ], "mendeley" : { "formattedCitation" : "(Horakova et al., 2013)", "plainTextFormattedCitation" : "(Horakova et al., 2013)", "previouslyFormattedCitation" : "(Horakova et al., 2013)" }, "properties" : { "noteIndex" : 0 }, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json" }(Horakova et al., 2013).
Managing the asset requirements depends partially on the business plan developed. The business plan covers the scope of the business’s involvement in a market thus it will show an estimate of the funds needed to keep the business afloat ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1111/j.1540-627X.2007.00195.x", "ISBN" : "0047-2778 U6 - ctx_ver=Z39.88-2004&ctx_enc=info%3Aofi%2Fenc%3AUTF-8&rfr_id=info:sid/summon.serialssolutions.com&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft.genre=article&rft.atitle=Small+Business+Credit+Scoring+and+Credit+Availability&rft.jtitle=Journal+of+Small+Business+Management&rft.au=Berger%2C+Allen+N&rft.au=Frame%2C+W.+Scott&rft.date=2007-01-31&rft.pub=Blackwell+Publishing+Inc&rft.issn=0047-2778&rft.volume=45&rft.issue=1&rft.spage=5&rft.epage=22&rft_id=info:doi/10.1111%2Fj.1540-627X.2007.", "ISSN" : "00472778", "abstract" : "U.S. commercial banks are increasingly using small business credit\u2010scoring models to underwrite small business credits. The paper discusses this lending technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and policy issues.", "author" : [ { "dropping-particle" : "", "family" : "Berger", "given" : "Allen N.", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Frame", "given" : "W. 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If the market has just started, then future projections regarding its operations can be made which will bring into account the cost of things in the future of that market. Apart from the financial factors, the business needs to be assessed whether it will be seasonal or cyclical. The periods within which the company will be in business dictates the profit margins that will be earned in the process. All these are projections that can be made from the appraisal of the assets that the company has ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "18042724", "ISSN" : "1804-2724", "PMID" : "19713399", "abstract" : "Business Intelligence (BI) systems provide users for information and analysis to better support with tactical and strategic business decision processes. This article summarizes the current trends in BI systems, discusses aspects of BI tools and BI solutions in small and medium businesses. 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Considering that a company is majorly defined by the assets it holds, this is one of the major factors that investors would be interested in. Once they know about the assets and their value comparison between now and the future, for example, 5 years’ time, they can calculate the risk involved if they invest in that particular business. They may also check the history of the business owners to check their credit ratings in case anything goes wrong in the course of their dealings together. Some investors are interested in the value that the company will bring to the market after it has been introduced. One reason for this is their love for business since it is not only the money generated by the company that counts ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1016/j.jbusres.2015.12.016", "ISSN" : "01482963", "abstract" : "Small and medium-sized enterprises (SMEs) are the driving force of the whole economy. An analysis of the data collected during the interdisciplinary research in 2008-2012 on a sample of 345 entrepreneurs operating in Poland shows that a statistically significant correlation exists between the recitals that take up economic activities and the choice of the source of the initial capital. People who indicate financial motives often take up economic activities using their own funding resources, or loans, credits-the funds that they had originally earned or they will have to earn to pay in the future. The analysis shows that those showing non-financial motives have used non-refundable EU funds. The multidimensional scaling analysis of funding sources shows that people who indicate financial motives diverge slightly different from groups of financial sources than those that indicate non-financial motives. People who undertake business activity to generate greater earnings/accumulate wealth are more likely to use their own capital or repayable funds. The results of the present study should be helpful in re-considering the European Union procedures for granting a financial non-refundable aid for people.", "author" : [ { "dropping-particle" : "", "family" : "Staniewski", "given" : "Marcin W.", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Szopi\u0144ski", "given" : "Tomasz", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Awruk", "given" : "Katarzyna", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" } ], "container-title" : "Journal of Business Research", "id" : "ITEM-1", "issue" : "6", "issued" : { "date-parts" : [ [ "2016" ] ] }, "page" : "2108-2112", "title" : "Setting up a business and funding sources", "type" : "article-journal", "volume" : "69" }, "uris" : [ "/documents/?uuid=96d8b5fa-65c8-440a-a914-c3bb1dc4a5d2" ] } ], "mendeley" : { "formattedCitation" : "(Staniewski et al., 2016)", "plainTextFormattedCitation" : "(Staniewski et al., 2016)", "previouslyFormattedCitation" : "(Staniewski et al., 2016)" }, "properties" : { "noteIndex" : 0 }, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json" }(Staniewski et al., 2016). The business plan also includes the budgeting plan that the company will incorporate in its dealings. The budgeting plan gives the investors an idea of how much financial knowledge that the business owners have in regard to their venture. Their knowledge of financial matters proves to the investors how serious they are in handling any costs that come about in the business ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1007/978-3-531-92534-9_12", "ISBN" : "7170959356", "ISSN" : "12045357", "PMID" : "47835125", "abstract" : "Crowdfunding is a relatively new phenomenon. However, its growth rate in recent years has been substantial. Typically, start-ups and small and medium enterprises (SMEs) face funding problems and crowdfunding may have become an alternative funding source. We study a sample of financial return crowdfunding platforms active in the European Union. We concentrate on the organizational structure and business model of the platforms for those companies with funding needs to identify whether crowdfunding might be complementary to, or a substitute for traditional funding sources. The analysis evidences an extreme heterogeneity among platforms, partly due to the lack of regulation at both national and European level. Furthermore, it shows that crowdfunding has evolved from pure p2p to p2b and b2b fundraising, even in equity crowdfunding where target companies are mainly represented by start-ups. Also, some characteristics of p2p lending and equity platforms are significant for the future development of crowdfunding as an alternative source of capital. Another critical issue which may impact upon the future development of crowdfunding is regulation. Crowdfunding is largely still an unregulated activity. The ways in which crowdfunding is regulated will seriously affect its capacity to reduce the funding gap for start-ups and SMEs. Keywords:", "author" : [ { "dropping-particle" : "", "family" : "Borello", "given" : "Giuliana", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Crescenzo", "given" : "Veronica", "non-dropping-particle" : "de", "parse-names" : false, "suffix" : "" }, { "dropping-particle" : "", "family" : "Pichler", "given" : "Flavio", "non-dropping-particle" : "", "parse-names" : false, "suffix" : "" } ], "container-title" : "Journal of Internet Banking and Commerce", "id" : "ITEM-1", "issue" : "1", "issued" : { "date-parts" : [ [ "2015" ] ] }, "title" : "The funding gap and the role of financial return crowdfunding: Some evidence from European platforms", "type" : "article-journal", "volume" : "20" }, "uris" : [ "/documents/?uuid=0ad07401-1715-4a9d-9828-4fb83c6397fa" ] } ], "mendeley" : { "formattedCitation" : "(Borello, de Crescenzo, & Pichler, 2015)", "plainTextFormattedCitation" : "(Borello, de Crescenzo, & Pichler, 2015)", "previouslyFormattedCitation" : "(Borello, de Crescenzo, & Pichler, 2015)" }, "properties" : { "noteIndex" : 0 }, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json" }(Borello, de Crescenzo, & Pichler, 2015). Therefore, investors also look for business handling capabilities that the owners of a certain business are involved in.
Another feature required of capital asset requirements is that they should have a low depreciation rate. One nature of investors is that they like banking on investments that would give them huge returns in the future. For example, the model of a car chosen to transport goods from one point to another should be reasonably priced and at the same time have a long endurance to time or wearing out. Such maybe the terms of receiving funding from an investor who wants to value in the beverage business. The nature of the goods being handled also has an effect on the investors’ choice of the product to invest in ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "10.1016/j.jbusres.2015.12.016", "ISSN" : "01482963", "abstract" : "Small and medium-sized enterprises (SMEs) are the driving force of the whole economy. An analysis of the data collected during the interdisciplinary research in 2008-2012 on a sample of 345 entrepreneurs operating in Poland shows that a statistically significant correlation exists between the recitals that take up economic activities and the choice of the source of the initial capital. People who indicate financial motives often take up economic activities using their own funding resources, or loans, credits-the funds that they had originally earned or they will have to earn to pay in the future. The analysis shows that those showing non-financial motives have used non-refundable EU funds. The multidimensional scaling analysis of funding sources shows that people who indicate financial motives diverge slightly different from groups of financial sources than those that indicate non-financial motives. People who undertake business activity to generate greater earnings/accumulate wealth are more likely to use their own capital or repayable funds. 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For example, the beverage business is quite profitable because people will always want to drink something when performing leisure activities. Therefore, it is a trend that will continue throughout different generations. Technological ventures get wiped out quickly unless there innovations made to a technological product when it exists in the market. Most of them usually get obsolete fast thus investing in them is a huge risk. Checking the viability of a technological project is quite difficult due to the complications that it brings to the involved people ADDIN CSL_CITATION { "citationItems" : [ { "id" : "ITEM-1", "itemData" : { "DOI" : "18042724", "ISSN" : "1804-2724", "PMID" : "19713399", "abstract" : "Business Intelligence (BI) systems provide users for information and analysis to better support with tactical and strategic business decision processes. This article summarizes the current trends in BI systems, discusses aspects of BI tools and BI solutions in small and medium businesses. Principles of integration of multidimensional views of business data with analytical and visualization tools are studied and described here. An example of a BI solution implementation in a small company shows how the multidimensional analytical data model and related applications can be designed, created and implemented for the small company. 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The state of the industry in which the business is situated also affects the investors’ capacity to invest in a product. Industries that may have experienced a drop in shares or other stock options are usually unviable. They promise little returns unless the industry grows in the future as well as the companies under it ADDIN C...