{"id":154453,"date":"2017-10-31T22:51:00","date_gmt":"2017-10-31T22:51:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=154453"},"modified":"2017-10-31T22:51:00","modified_gmt":"2017-10-31T22:51:00","slug":"matei-dumitrescu-investment-ready-program-in-goana-dupa-finantare-multi-uita-de-adevaratul-scop-al-unui-business","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=154453","title":{"rendered":"Matei Dumitrescu, Investment Ready Program: \u201e\u00cen goana dup\u0103 finan\u0163are, mul\u0163i uit\u0103 de adev\u0103ratul scop al unui business\u201d"},"content":{"rendered":"<div>\nO gre\u015feal\u0103 des \u00eent\u00e2lnit\u0103 \u00een r\u00e2ndul fondatorilor de start-up-uri este c\u0103 deseori finan\u0163area se confund\u0103 cu reu\u015fita \u00een afaceri, potrivit lui Matei Dumitrescu, partener al programului dedicat start-up-urilor Investment Ready Program.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nEl observ\u0103 o gre\u015feal\u0103 des \u00eent\u00e2lnit \u00een r\u00e2ndul fondatorilor de start-up-uri: deseori finan\u0163area se confund\u0103 cu reu\u015fita \u00een afaceri: \u201eFinan\u0163area te ajut\u0103 s\u0103 \u00ee\u0163i construie\u015fti afacerea din care s\u0103 c\u00e2\u015ftigi bani. Banii \u015fi succesul vin de la clien\u0163i. Din p\u0103cate \u00een goana dup\u0103 finan\u0163are, mul\u0163i uit\u0103 de adev\u0103ratul scop al unui business. Am v\u0103zut fo\u015fti antreprenori transforma\u0163i \u00een pitcheri de profesie, sau \u00een exper\u0163i \u00een gestionarea dosarelor de fonduri europene\u201d, subliniaz\u0103 el.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nDumitrescu \u00eei sf\u0103tuie\u015fte pe antreprenori s\u0103 se g\u00e2ndeasc\u0103 sincer dac\u0103 ar fi dispus s\u0103 \u00ee\u015fi ri\u015fte proprii bani \u00een afacerea pe care o \u00eencepe: \u201eDac\u0103 nu, \u00eenseamn\u0103 c\u0103 nici m\u0103car el nu are \u00eencredere c\u0103 ar reu\u015fi. \u015ei \u00een niciun caz nu o s\u0103 conving\u0103 un business angel. Poate o s\u0103 ia fonduri europene pentru startupuri, dar nu va face dec\u00e2t s\u0103 \u00eei cheltuiasc\u0103 pe active nenecesare \u015fi pe taxe \u015fi contribu\u0163ii\u201d.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nEl structureaz\u0103 astfel modalit\u0103\u0163ile de finan\u0163are pe care le poate accesa o afacere la \u00eenceput de drum \u00een Rom\u00e2nia, cu avantajele \u015fi riscurile fiec\u0103reia dintre aceste modalit\u0103\u0163i:<\/div>\n<ul>\n<li>\nCel mai bun finan\u0163ator e\u015fti tu \u2013 str\u00e2nge banii necesari din activit\u0103\u0163ile curente, din salariu etc. Poate nu pe to\u0163i, dar m\u0103car c\u00e2t s\u0103 po\u0163i contribui \u015fi tu. Nu po\u0163i veni la un investitor s\u0103 \u00eei ceri 10.000 de euro din postura de t\u00e2n\u0103r antreprenor de viitor succes care p\u00e2n\u0103 la 40 de ani nu a fost \u00een stare s\u0103 str\u00e2ng\u0103 nici o mie de euro;<\/li>\n<li>\nDu-te la prieteni \u015fi la familie &#8211;&nbsp; dac\u0103 nici pe ei nu \u00eei convingi, dac\u0103 nici ei nu au \u00eencredere \u00een \u0163ine, poate \u015ftiu ei mai bine;<\/li>\n<li>\nPoate provii dintr-un mediu mai s\u0103rac sau cu aversiune mai mare la riscuri, dar atunci ai putea fi bun la&#8230; Bootstrapping. Cheltuie\u015fte c\u00e2t mai pu\u0163in \u015fi doar pe ceea ce este absolut necesar, \u00eencearc\u0103 s\u0103 ob\u0163ii avansuri de la clien\u0163i, dac\u0103 se poate. \u00cenva\u0163\u0103 tehnici de baz\u0103 Lean Startup, combin\u0103-le cu bootstrapping, f\u0103 mici prototipuri ieftin \u015fi repede din care s\u0103 \u00eenve\u0163i c\u00e2t mai mult \u015fi apropie-te de client \u015fi cunoa\u015fte-l, p\u00e2n\u0103 ajungi s\u0103 \u00eei oferi \u00eencrederea c\u0103 \u00eei vei construi solu\u0163ia potrivit\u0103;<\/li>\n<li>\nCrowdfundingul este un mit foarte bun. Pentru fiecare campanie reu\u015fit\u0103 exist\u0103 sute de campanii e\u015fuate. \u00cen plus, platforma de crowdfunding este doar o platforma, c\u0103 Youtube-ul, dar pe care tu o pl\u0103te\u015fti c\u0103 s\u0103 \u00ee\u0163i gestioneze campania. Tu e\u015fti cel care trebuie s\u0103 investe\u015fti enorm \u00een atragerea poten\u0163ialilor finan\u0163atori pe platforma, printr-o combina\u0163ie de PR \u015fi marketing;<\/li>\n<li>\nBanca este o solu\u0163ie foarte bun\u0103, dac\u0103 po\u0163i s\u0103 te \u00eemprumu\u0163i, f\u0103-o. E ieftin \u015fi nu e\u015fti foarte constr\u00e2ns. Iar pentru cashflow este o binefacere;<\/li>\n<li>\nFondurile sunt gratis, dar dac\u0103 nu ai \u00een plan investi\u0163ii \u00een active mari \u2013 \u015fi nu e cazul \u00een general la startupuri \u2013 aceste fonduri vor fi \u00een mare parte cheltuite pe ni\u015fte salarii \u015fi contribu\u0163ii aferente de care nici nu prea ai nevoie. Vei fi constr\u00e2ns s\u0103 respec\u0163i un plan ini\u0163ial \u2013 ceea ce este imposibil. Am v\u0103zut mii de startupuri \u015fi nu \u00eemi amintesc de unul singur ale c\u0103rui planuri ini\u0163iale s\u0103 corespund\u0103 cu realitatea de peste, s\u0103 zicem, un an. Pivotarea e esen\u0163ial\u0103 pentru start-up-uri, dar este foarte greu s\u0103 o faci \u00een practic\u0103. Dac\u0103 cineva \u00ee\u0163i mai pune \u015fi be\u0163e \u00een roate atunci sigur o s\u0103 e\u015fuezi.<\/li>\n<li>\nBusiness angels \u2013 aten\u0163ie, nu v\u0103 lua\u0163i dup\u0103 denumire. Costul financiar e cel mai mare. Nu sunt ni\u015fte oameni buni care dau bani gratis dar sunt, \u00een principiu, ni\u015fte oameni care te ajut\u0103 s\u0103 reu\u015fe\u015fti, prin know-how, conexiuni, experien\u0163\u0103. Eu unul \u00eenv\u0103\u0163 startupurile mai degrab\u0103 s\u0103 nu aib\u0103 nevoie de bani \u015fi s\u0103 se concentreze pe nevoia clien\u0163ilor \u015fi s\u0103 contruiasc\u0103 un model de business sustenabil \u015fi replicabil. Pe de alt\u0103 parte, nu este o bucurie s\u0103 iei mai mul\u0163i bani dec\u00e2t ai nevoie \u2013 dup\u0103 cum \u015fi la banca dai mai mult \u00eenapoi dac\u0103 te-ai \u00eemprumutat \u00een plus f\u0103r\u0103 s\u0103 ai nevoie, a\u015fa \u015fi la Angel dai un procent mai mare din afacere f\u0103r\u0103 s\u0103 fie cazul.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>O gre\u015feal\u0103 des \u00eent\u00e2lnit\u0103 \u00een r\u00e2ndul fondatorilor de start-up-uri este c\u0103 deseori finan\u0163area se confund\u0103 cu reu\u015fita \u00een afaceri, potrivit lui Matei Dumitrescu, partener al programului dedicat start-up-urilor Investment Ready Program.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[81,4126,7972,246,32751,472,26281,31534,94,80,86],"class_list":["post-154453","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-afaceri","tag-clienti","tag-contributii","tag-crestere","tag-dedicatie","tag-finantare","tag-greseala","tag-partener","tag-program","tag-refuz","tag-reusita"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/154453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=154453"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/154453\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=154453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=154453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=154453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}