Balanced finance of entrepreneurs


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Balanced finance of entrepreneurs

  1. 1. Balanced finance of entrepreneurs Jan Wietsma MKB-kredietcoach
  2. 2. Financing
  3. 3. Current credit services are primarily based on ratings
  4. 4. The fellow
  5. 5. The five most important questionsabout the fellow• Do I have a clear definition of my entrepreneurial qualities?• Do I explain on which points I need support from third parties?• Do I explain the goals I want to reach as an entrepreneur?• Does my spouse support me in my entrepreneurship?• Did I clarify why I want to be an entrepreneur?
  6. 6. What is the importance of the fellow?• In small businesses the role of the fellow as a person takes has big importance : – 40% of all bankrupt entrepreneurs are caused by a lack of self-knowledge
  7. 7. The fellow, what it’s about• Attention for the personal entrepreneurial skill in a social economic context.
  8. 8. CreditIndicator (a method)• A personal SWOT-analyses: the strengths, weaknesses, opportunities and threats to entrepreneurship.• Scientifically based and validated by practice
  9. 9. Construction in fases• Part 0: What is the entrepreneur aiming to achieve?• Part 1: What is the return of the personal entrepreneurial investment?• Part 2: Who is the entrepreneur?• Part 3: What is the personal SWOT-analyses of the entrepreneur?
  10. 10. What is the entrepreneur aiming to achieve?
  11. 11. Characteristics of entrepreneurs in good and bad times.
  12. 12. CasherIn good times In bad times• Will-power • Aggressive• Purposeful • Controlling• Demanding • Whining• Determent • Dominance• Performance-orientated • Intolerance
  13. 13. InnovatorIn goodtimes In bad times• Dynamic • Excited• Enthusiastic • Chaotic• Convincing • Indiscrete• Optimistic • Show off• Expressive • Hasty
  14. 14. ConstructorIn goodtimes In bad times• Voorzichtig • Pietluttig• Nauwkeurig • Besluiteloos• Analytisch • Argwanend• Gedetailleerd • Koud• Objectief • Afstandelijk
  15. 15. SocializerIn goodtimes In bad times• Careful • Passive• Relation orientated • Slow• Harmonious • Waiting• Relax • Dependent• Convivial • Rigid
  16. 16. What is the return of the personal entrepreneurial investment?
  17. 17. Who is the entrepreneur? (1)• Intrinsic
  18. 18. Who is the entrepreneur? (2)• Which entrepreneurial skill do I posses?
  19. 19. Who is the entrepreneur? (3)
  20. 20. What is the personal SWOT?
  21. 21. What is the personal SWOT?
  22. 22. The firm
  23. 23. The five most important questionsabout the firm• I have substantiated why my product or service is promising• I know who my competitors are• I know how I am going to sell my product or service• I know who my first (potential) customers will be.• I have added an substantiated revenue budget
  24. 24. The funds
  25. 25. The five most important question about the funds.• I have added a budget for the upcoming three years• I don’t underestimate my cost.• I have a monthly cash flow statement for upcoming year• I have told the bank which insuring I can deliver.• I have stated how much credit I need from the bank
  26. 26. Thankyou• More