2. Introduction to financial instruments
Explore various financial instruments available for funding, including traditional and modern options like crowdfunding, P2P lending, secured loans, leasing, and more. Determine your financing needs based on amount and payback time, with examples for low and high-value options.
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Presentation Transcript
2. Introduction to financial instruments Financial technologies are extending traditional Financial technologies are extending traditional financing options & reducing administrative costs financing options & reducing administrative costs The table below shows the types of financing offered by various institutions General public or diaspora funding services Non-banking financing provider Micro- finance Buyer/ supplier Business Angel Bank Social lender Investor Donor Secured loan Unsecured loan Overdraft Soft loan Leasing P2P lending Factoring Equity and loan mix Grant Mentoring/ coaching Financing options can be short, medium or long term, and low or high value Table of contents Determine your financing need 2
2. Introduction to financial instruments Several different Several different financial instruments financial instruments may match the may match the amount you need and amount you need and your preferred your preferred payback time (1/2) payback time (1/2) Time period for cash need 1-90 days 91-365 days 1-3 years 3-10 years >10 years How much money do you need? Crowdfunding P2P lending Overdraft < 2,000 USD Secured loan Factoring Unsecured loan Crowdfunding P2P lending Leasing Overdraft 2,000 - 5,000 USD Secured loan Factoring Unsecured loan P2P lending Overdraft Factoring 5,000 - 50,000 USD Unsecured loan Examples of low value options and their relevant timelines Table of contents Determine your financing need 3
2. Introduction to financial instruments Several different Several different financial instruments financial instruments may match the may match the amount you need and amount you need and your preferred your preferred payback time (2/2) payback time (2/2) Time period for cash need 1-90 days 91-365 days 1-3 years 3-10 years >10 years How much money do you need? Secured loan 50,000 - 100,000 USD Leasing Secured loan Leasing Secured loan or investment 100,000 - 300,000 USD 300,000 - 1 million USD Soft loan Leasing Secured loan or investment 1 - 5 million USD Secured loan or investment > 5 million USD Examples of high value options and their relevant timelines Table of contents Determine your financing need 4
