随着业务的增长，您需要更多的资本。但是，对于小型企业主来说，从大型金融机构获得资金可能会很麻烦。对于某些小型企业主来说，与私人投资者合作可能是一个明智的举动。您需要知道如何为您的小型企业找到私人投资者。

为什么小型企业正在寻找私人投资者

通常很难从大型银行获得小型企业资金。即使您带着详细的计划走进银行，您也可能会空手而出，因为小型企业对银行构成风险。

小型企业的收入比大公司少，并且更有可能拖欠贷款。Biz2Credit小企业贷款指数reported that only 24.1% of small business funding requests were approved by big banks in February 2017.

如果您被拒绝从银行贷款，请放心。有其他选择small business funding options，包括私人投资者。私人融资来自非银行个人（例如，天使投资人）和公司。

Benefits of using a private investor

Private investors offer several benefits over other small business funding strategies. Often, private lenders specialize in a particular area of business. Beyond funding, they can give you their expertise and guidance.

私人投资者承担风险ventures. They understand the opportunities and hazards of investing in your small business. Having a passion for the industry motivates the right investor to help grow your small business.

小型企业的私人投资者类型

There are many types of private investors to consider. Carefully review your options before choosing a small business investor. Each investor has different strengths, terms, and advantages. The following are some common types of private investors and investment options.

私人产权

私募股权是由私人和公司投资的资金。作为资金的回报，私募股权投资者收到所有者权益在业务中。私募股权投资者的目标是在经过几年的投资以获利后出售其在业务中的股份。

Venture capital

Venture capital is available to high-growth startups. Usually, venture capitalists face a higher risk in their investments. But, the investment often has the potential to make a high return. Venture capital is a longer investment than a traditional bank loan. Investors in venture capital actively monitor the business. They are involved in board decisions, marketing strategies, and the business structure.

天使投资

Angel Investing是另一种私人创业融资选项。天使投资者通常是高净值个人，他们想要投资的巨额回报。天使投资者就像风险投资家一样，除了投资较少的金额。天使投资者参与您的业务决策和运营。

联邦政府计划

联邦政府计划为小型企业提供风险投资计划。例如，小型企业投资公司（SBIC）计划通过SBA提供。该计划涉及由SBA监管的私人投资基金。SBIC投资者使用自己的资本加上SBA保证的资金。SBA不会直接投资您的业务。

众筹网站

众筹网站可让您访问各种小型企业投资者。该投资策略采用集体努力来资助企业。每个众筹站点不同。找到与您的业务目标和策略相匹配的一个。

朋友和家人

朋友和家人可以选择私人投资。尽管您个人认识投资者，但在金钱方面要专业。确保您的朋友和家人在投资之前了解涉及的风险。并且，将它们与业务构想，计划和预测保持循环。

私人投资者贷款

私人投资者贷款是非银行实体提供的贷款选择。通常，贷方会赠款，因为他们认为您的业务有潜力发展。上面列出的个人和公司有时会提供私人投资者贷款，包括朋友和家人，风险资本家和天使投资者。通过贷款，您必须还清款项加上利息。

How to find private investors

寻找好的私人投资者的关键是仔细准备。确保您准备好接受额外小企业资本在接触投资者之前。投资者希望看到您有一个有组织的计划，增长的潜力和健康的财务。

Create a business plan that maps out what you will do with the money. Include realistic销售预测以及反映长期增长的详细策略。进行市场分析to improve offerings and connect with customers.

Decide how much money you need and compile the plan into a presentation. Know the strategy inside and out so you can easily talk with investors. Practice your pitch so you can convince investors to help finance your business.

After you have a fine-tuned business plan, look for private investors. Start small, working through your professional and personal networks. Try your chamber of commerce, small business community groups, and local trade associations.

You can also seek private investors through business capital brokers. Brokers evaluate your business plan, form relationships with investors, and match you to the best fits. Be cautious of the broker’s commission fees, as they can be costly.

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