您需要一些额外的资金吗？如果您的业务仍处于早期阶段，则可能很难获得外部资金。银行和其他传统贷方可能对向您贷款保持警惕。

Even if you’re struggling to get money from a traditional lender, you might get funding help from an angel investor.

什么是天使投资者？

天使投资者是富裕的人，他们在开始阶段投资于企业。他们倾向于专注于全新的业务和仍然很小的企业。小型企业天使投资者专注于帮助企业开始和发展。

天使投资者必须获得认可的投资者SEC标准. This means they must have a minimum net worth of $1 million and have an annual income of at least $200,000.

These investors give their own money, not money that has been pooled from a large group of people. Angel investors might give a one-time payment. Or, they might give ongoing funds as they see real business growth.

当然，像任何投资者一样，天使投资者希望为放弃钱来回报。通常，您将不得不放弃一些owner’s equity换取钱。

If your business fails, the angel investor loses their investment. They will often want some sort ofsmall business exit strategyto be part of your agreement so they can salvage some of their investment if your business fails.

Angel investors are also sometimes called informal investors, business angels, private investors, and seed investors.

将天使投资者用于小型企业有什么好处？

Small businesses that have some revenue but can’t get funding from a traditional investor might have better luck with an angel investor. Also, angel investors typically offer terms that are more favorable for your business than what other lenders will give you.

很多时候,你的天使投资者s will mentor you. They invested their money in your business, so they want to see it succeed. The investor probably has knowledge about your niche and how to run a business, so they can share that knowledge with you.

天使投资者通常会有宝贵的联系，可以帮助您的业务。他们可能能够将您与潜在客户，员工和其他投资者联系起来。他们也许还可以帮助您与律师，会计师和银行获得更好的条件。

What are the disadvantages of using an angel investor?

It might take longer to get funding through an angel investor than through other means. You and the investor will go through a process of courting each other to make sure you are good matches for each other.

As part of the angel funding terms, you might lose some control of your business. The investor might gain equity, voting power, or some other type of control. If you aren’t willing to give up part of your business or your control over it, seeking funds from an angel investor might not be the best option for you.

您如何找到天使投资者？

You can probably walk into any bank and easily apply for a business loan. But, learninghow to find private investorswho are interested in your business will take some more effort.

许多企业主询问有资格成为天使投资者帮助的家人和朋友。与其他天使投资者相比，他们可能更宽容和更愿意提供帮助。

与其他企业主和您当地的商会交谈。他们可能知道与您行业或地理区域中企业合作的当地天使投资者。

Also, check out local angel groups. Many angel investors join angel groups so they can more easily find opportunities to invest their money. You might also find luck with online angel communities.

What do small business angel investors want to see?

When you meet with angel investors, they will want to see a lot of information about your business. You will have to sell them on investing in your business. You must show that you are competent and your business has the potential for growth.

When you first meet an angel investor, you will likely need to give an investment pitch. In your pitch, you need to tell the investor why your business is a good choice for their investment.

如果投资者在您的投票后对您的业务感兴趣，他们可能会问您很多后续问题。获取以下文件准备并在会议期间作为证据显示：

• 您的业​​务计划
• 您的结果market analysis
• Current and pastfinancial statements
• Financial projections
• Marketing plans
• 早期采用者或客户增长的记录

您可能还想列出您的产品或服务的示例以向投资者展示。

You should tell the investor how much money you are seeking. Tell the investor what they will get out of investing in your business. You should also mention how much money you have invested, if you are looking for other sources of funding, and how you plan to use the money you raise.

You can use accounting software to help you prepare for your investor meeting. Use the software to create financial statements and view your past expenses. When you do get funding from an investor, you can record it in your accounting software to easily keep track of the money. Sign up for a free trial of Patriot’svwin158 to get ready for investor meetings.