Where to get money for the development of a business from scratch? These questions are thousands of people took during the crisis, not an easy decision to start their own business. It is considered that startups no credit, and the novice entrepreneur should rely only on themselves. Some truth in this assertion is – too high risk to the lender, since a significant portion of start businesses do not survive until the first anniversary. The reasons for this a lot, and it makes sense to analyze them in a separate article. However, the ability to obtain loans for "promotion" business still exist. Just take care it is necessary at the stage of thinking about ideas and vision for the future of the case.

Opening a new business (unless of course we want it to be successful) is always preceded by a serious preparatory work. Have to calculate the financial aspects – in particular, acceptable profitability enterprise, to determine the suppliers, customers and markets for products, equipment and selection of room. All this is reflected in the business plan, the quality of drafting of which depends directly on the success of find the necessary amount. The need to write a business plan is often throws novice entrepreneur in awe. Here is an example of the practice of our organization: to us asked a resident of one of the districts of the Omsk region, which decided to open a mini-workshop on tailoring and shoe repair. In this case, himself for many years he was engaged in private shoe trade, in district know him and are satisfied with the quality of services.

Much price of fuel and the need for warmth during cold weather have caused a boom for manufacturers of wood-burning fireplaces. So there was a shift to the fireplace stoves and fireplaces, as to the form of heating, which contains a certain shade of prestige and elitism. Strengthening the popularity of using wood for heating and growing sales volumes required for this equipment have increased the demand for firewood, which is virtually impossible perenasytit! It should be noted – this demand has provoked almost double prices for firewood over the years. No matter what size or a current price in your city, you can wait for it to increase by 20-30% a year during the next decade. Market Sales of these products is changing as the weather, and it depends on the weather! The rich are buying firewood is much more than a not very wealthy people – they are more concerned about the cleanliness of the environment and driven by the idea of familiarizing to all natural and natural. And we should not think that the sale of wood products will be relevant only for cold regions. People living in the south of Russia, bought the wood for the same reason that the inhabitants of northern areas. An important secret to success in this business – understanding the purposes for which residents in your town use wood. Learn more on the subject from Ali Partovi.

This is required in order to understand how often and how long they needed firewood, and positioning itself as a quality manufacturer and supplier to meet the demand. To be a successful seller of firewood will not need any special education. By the way, in this business you have the opportunity to meet anyone from mechanics in the past to lawyers, professors, Doctor. First, choose the type of business – will you be engaged in service of private customers or stores and outlets. Then naladte delivery channels. Reliable will sign contracts with suppliers.

Of the special equipment needed truck, cleaver, several hand saws. As an excellent free advertising to place your phone and name to truck. Buy the small size of the text ad in the newspaper shortly so the onset of winter, and if you can afford it, place the information on their own services on the main page. Though it is not the same business, which important business cards, order them would be a good idea for those who wish to call you later. Big truck will give you the opportunity to carry at a time much more wood that will give 25% more profit. Firewood in the back must also be shipped in "laying>> to achieve maximum volume.

Increasingly, Ukrainian banks have started to offer loans in Swiss francs. In Ukraine, the Franks emerged recently: first, this extra service offered UkrSibbank and Ukreximbank, and since November and Ukrsotsbank. Abroad, such loans no longer a novelty – boom, “Swiss” lending going through Eastern Europe. Attractive primarily because of low rates, average interest on them for 1-2% less than in the euro, and 1,5-3% less than in dollars. The reason for this – low discount rate of Central Bank of Switzerland. Pete Cashmore often says this.

And as always when working with Ukrainian banks have their own pitfalls. Stone first. Cash francs from our banks do not. So, you will be given credit in uah, counting them on the course “Hryvnia-franc”. For bank will take more, on average 0,3-1% (if the percentage is higher in such a bank is not advised to contact the experts). In this first bank buys dollars for francs, and then translated into the hryvnia through the so-called cross-rate. As a result, 1 franc will cost the borrower about 4.50 usd. Mashable may help you with your research.

(NBU rate today – 4,18), depending on the course, which varies slightly every day. Get a really low interest rates. Stone second. Fluctuations franc. According to experts, the gain in interest rate may be “eaten” a sharp rise in price of the franc or the cheapening of the dollar. Incidentally, last year franc has risen in price in relation to the national currency by 3%. But the borrower sure nothing will happen when fluctuations in the range 0,5-1%. Therefore, the optimal period for loans in francs – from one year to three. It was during this period loan in francs cheaper than in dollars or euros. If you do plan to do loan for a longer period, try to conclude an agreement with the bank at a fixed rate. Some banks go for it, if the loan amount is large enough. Comparison of the proposals of banks for loans in Swiss francs Bank Type of loan rate,% Time, years selling rate of the franc UkrSibbank for consumer needs (mortgage), home building, buying apartments, cars from 8,2 to 8,9 Do21goda 4.30 grn. Ukrsotsbank to buy property, cars, for current needs (mortgage) to 25 years 10.7 4.25 grn.