7 融资来源 for SMEs in the Philippines

业务增长
2022年9月16日

From the ideation stage to the takeoff stage, 所有中小企业都需要持续的项目资金来维持并最终实现盈利.

根据 企业的成长阶段, you can be eligible for one or two financing sources. 以下是最常见的融资来源的入门知识,可以帮助你找到最适合你的业务. 在本文的最后, 你还可以找到菲律宾的融资公司的概要列表.

表的内容
I. 个人储蓄
II. 私人投资者
3. 业务资助
IV. 信用卡
V. 商业贷款和信用额度
VI. 天使投资人
7. 风险投资家
8. A List of Financing Companies in the Philippines

1. 个人储蓄

For businesses in the ideation and startup stages

创业时,许多企业家依靠自己的钱或个人储蓄作为资本. 你的个人储蓄可以来自兼职或全职工作的工资, 来自家人和朋友的现金礼物, 利率 income from your savings and investments, and/or sales of assets and personal belongings.

Most MSMEs use their savings as a financing source of capital or growth financing

2. 私人投资者

For businesses in the ideation, startup and survival stages

私人投资者是家庭, 朋友, 或者在你的社交圈中有能力投资你的商业想法的熟人.

It’s best to prepare a written business plan that explains your idea, 增长预测, estimated return-on-investment (ROI), 和潜在的风险. This makes it easier for 私人投资者 to consider investing. In addition, decide early on if you want investors to take an active role. 不是所有的投资者都有正确的经验和知识来支持你的业务, which can cause management issues down the road.

The amount of project funding you can get at the startup stage may be low. 然而, 一旦你的企业处于生存阶段——意味着你已经证明了你的产品或服务是可行的, but your revenue and expenses haven't balanced out – you can ask for more funds.

3. 业务资助

For businesses in the ideation, startup, and survival stages

某些行业的中小企业可以获得免费或低利率的增长融资. 这些资金来自希望促进某些产业发展的政府机构、私人机构或基金会.

根据 business grant program, 这些资金来源既可以帮助你启动业务,也可以通过研发为其增长提供资金. The amounts are often small and only meant to give your business idea a leg up. In addition, applications are highly-competitive. Most grants also focus on certain industries, 行业, 或宣传, or in business ideas with high potential for mass production. An example of a grant program is the HEAL (Health, 教育, Arts and Livelihood) Program of Metrobank Foundation, 公司.

企业补助金是投资融资的一种形式,但它们的竞争非常激烈.

4. 信用卡

For businesses in the survival stage

信用卡是一种贷款融资方式,你可以在需要的时候借到一定数额的钱. You must repay the minimum amount due, 利率, and accompanying fees on every billing cycle.

用个人信用卡, you may not have enough for starting capital, but you can still use it to pay for goods, 服务, and other short-term business needs. Some financing sources offer a corporate credit card, which is limited to businesses that meet certain revenue requirements. 企业信用卡的信用额度较高,可以由多个持卡人使用,以弥补现金流缺口和突发支出.

You can get a credit card from most local banks in the Philippines. 选择一个没有年会员费和功能最有利于你的目的-无论是0%利息分期付款, 飞行里程, 或者从加油站拿到现金.

5. 商业贷款和信用额度

For businesses in the survival and growth stages

Aside from 个人储蓄 and 私人投资者, 商业贷款 are the go-to funding for most SMEs. Financing sources range from the government, 传统银行, neobanks, 和私人贷款公司. 

一个常见的误解是创业贷款可以用于创业. 在现实中, 大多数融资来源只向有盈利历史和经营稳定的中小企业提供商业贷款. 

在菲律宾,企业贷款往往仅限于有盈利历史的公司.

两种商业贷款:定期贷款及信用额度. A 分期偿还贷款 is a large lump sum loaned upfront. In exchange, you make monthly or quarterly repayments plus 感兴趣 在一段固定的时间内. A 信用额度 这是一笔你可以随时投入用于任何业务相关支出的资金吗. You repay only what you use plus 感兴趣. Once your dues are repaid, your credit limit is replenished to full value.

您可以在超过数百个合法的融资来源申请贷款融资, 因此,需要大量的研究,以确保您获得最佳的商业贷款,以满足您的需求. DTI’s RISE UP Micro Multi-Purpose Loan, 例如, offers up to ₱300,000 with 12% 感兴趣 per annum. 第一圈的 循环信用额度, 与此同时, is the top choice for SMEs looking for low-risk non-collateral financing, 出价高达₱1000万 对于低到1.39%的利率 每月不收申请费. If you need amounts beyond ₱10 million, you can consider BDO定期贷款, which offers up to ₱20 million if you can provide real estate collateral.

6. 天使投资人

For businesses in the survival and growth stages

天使投资者是为初创企业和小型企业提供长期融资的富有的个人或团体. 大多数天使投资者都专注于开发能够在市场上获得吸引力的产品或服务. 因此,他们可能会为财务稳定、寻求增长和商业化的企业提供资金.

天使投资人 can be local or foreign professionals, 公司高管, 或者经验丰富的企业主. They can provide sound business advice to reduce your risks and maximize profits, and link you to important suppliers and new clients.

不像信用卡或贷款融资,你不需要偿还投资融资. 天使投资者从他们的个人资金或企业利润中拿出高达数百万美元,以换取你利润的固定比例, 一定水平的投资回报率, 和/或股权. 

你可以向天使投资者网络推销你的商业想法,以获得更大的基金. 马尼拉天使投资者网络公司. (主要), 例如, evaluates business ideas related to 16 industries such as financial inclusion, 娱乐和教育. 你也可以加入你所在行业的商业俱乐部和社交活动,与天使投资者见面.

7. 风险投资家

For businesses in any stage of growth

风险资本家是提供数百万到数十亿投资融资的公司, as well as guidance in more complex business concepts, to bring a company to early or mature stages of growth.

与天使投资人, who develop a single product or service to bring to the market, 风险投资家创造了一系列的产品和服务,使他们选择的公司的投资组合多样化,并使其成为市场领导者. 作为他们投资的回报, venture capitalists ask for a higher level of ROI and equity ownership.

风险投资家选择独特的中小企业进行成长性融资,通常是在技术领域.

Most venture capitalists invest in any stage of a company’s growth, 比起当前的盈利能力,葡京线路检测中心网址更倾向于着眼于长期的增长和创新潜力. 在最近几十年, 对于科技行业的新兴企业和初创企业来说,寻求风险投资而非传统融资渠道已经成为一种常态. An example is 启动项目 of Globe Telecom, which funds startups disrupting traditional industries like finance, 健康, 媒体, 和电信.

A list of financing companies in the Philippines

 

融资来源

Financing Companies in the Philippines

业务资助

首都银行恢复程序

DTI Rice Farmer Financial Assistance (RFFA)

启动QC程序

Pampuhunang Ayuda sa Taga-Pasig

公司信用卡

Unionbank, BDO, BPI Corporate 信用卡

项贷款

DTI SB Corp RiseUP Multi-Purpose Loan 

BDO定期贷款

BPI定期贷款

都市银行中小企业贷款

信用额度

第一圈循环信贷额度 

BDO中小企业准备检查

BPI中小企业信贷额度

马来西亚银行循环信贷额度

天使投资人

马尼拉天使投资者网络公司. (主要)

塔尖集团

雷Alimurung

天使投资网

风险投资家

启动项目

核心资本

第一个亚洲风险投资

金门VC

 

 

Summary

有了合适的资金来源, 中小企业在任何阶段都更容易实现增长和盈利. 

For businesses in the Philippines in the ideation and startup stage, 个人储蓄, 私人投资者, and grants are your best options for modest amounts of project funding.

处于生存阶段的企业——那些试图持续赚钱以实现收支平衡和盈利的企业——将有更多的融资来源可供选择, 比如商业贷款, 公司信用卡, 循环信用额度, angel investors and venture capitalists.

科技领域的初创企业和中小企业从天使投资者和风险投资家那里获得投资融资的机会更大. 任何行业的中小企业都可以获得贷款融资,只要它们能够提供一致的年度收入数字或满足其他盈利能力要求.

Whichever industry or growth stage you are in, make sure to review your finances and purpose for seeking growth funding. 这将使您更容易在菲律宾找到合适的融资来源, and get better deals for project funding.

Need funding to support your business growth? 第一圈的 循环信用额度 is an SME loan that funds your plans and cash flow gaps whenever you need it. Get up to ₱10 million of re-usable credit 对于低到1.每月39%. To apply for a 循环信用额度, 点击这里.

Ready to get your own revolving 信用额度?

Apply 100% online, and get a 信用额度 worth ₱5米. Use and re-use your credit limit anytime you need a business loan.

申请信用额度

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