Investors who are looking at investing in a small business, almost without fail are all looking at the same thing. There's four standard criteria for making investment decisions. They are: management, earnings, security, and personal investment or equity. Sometimes you'll hear "the four Cs of capital" to define the same thing. Let's see if I can get it right. The first one is character, the next one is cash flow for earnings. So management is character; cash flow is earnings. Collateral is security, and capital is equity. There we go. So there's the four Cs of lending. So you'll see different terms all the time, but those are the four things that most folks are looking at.
Let's start by talking about the first one, management. You need to be able to convince a person that is going to invest in your business that you have all the skills and all the drive and all the tools and all the education and whatever else, the experience, that you need to be able to succeed in this business. It needs to be front and centre of any proposal to someone who is considering putting money into your business.
When you work with lenders, one of the main indicators that they'll use of assessing your character, assessing your ability to manage things, particularly manage money, is your credit record. So it's really important before you go looking to a lender for some money that you contact your credit bureau. If you're pretty much anywhere in Canada Equifax.ca is the main credit bureau. This is a private company that keeps information about you and about your past history with debt.
The strongest indicator that lenders have for whether you'll pay them back is your track record of paying other people back in the past. So the way they determine that is by looking at your credit score which is a complex statistical calculation based on your behaviour in the past. It gives you a score out of 900 for your likelihood of paying back debts. It's really important that you go to Equifax, get a copy of your credit score. You'll have to pay about $20 for the actual credit score you can get the information they base the score on for free, but you have to pay for the score and get advice from them on how to improve that score before you go talking to lenders.
I know personally I did that before I went for my home mortgage, and I managed to get my score increased by about 30 points, which means I saved thousands of dollars on my mortgage. So this is a really really important criteria.
What can you do to not only state that you have all the skills and abilities and knowledge, but what can you do to prove it? You can provide certificates, can you send copies of your diplomas, can you get reference letters from past employers that say you're the best salesman they ever had, these kinds of things? It's important first of all for you to stand up and say what you're offering, but then also to provide as much proof as you can, external third party proof, so that a person can believe all the things that you can provide proof for.
developmental Module7-What Investors Look For (part1) | |
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