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11. Juli 2019

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Lächelnde Geschäftsfrau

Für junge, innovative Unternehmen gibt es auch Finanzierungsmöglichkeiten abseits des klassischen Bankkredits.

Ein innovative Geschäftsidee steht am Anfang des Unternehmertums. Aber ohne die nötigen finanziellen Mittel scheitert die Umsetzung. In der Startphase von Start-ups lässt sich der Weg nicht abschätzen und das Risiko ist hoch, denn Faktoren wie Erfolgsaussichten, Marktentwicklung und unternehmerische Fähigkeiten sind schwer zu beurteilen. Geldmangel und fehlende Investoren sind die größten K.O.-Kriterien bei der Realisierung. Lesen Sie im Überblick, welche Finanzierungsmöglichkeiten es abseits des klassischen Bankkredits für junge, innovative Unternehmen gibt.

1. Bootstrapping und private Darlehen

Hier kommt das Geld aus dem eigenen privaten Umfeld. Der Begriff Bootstrapping leitet sich von dem englischen Wort „Bootstrap“ ab und bedeutet so viel wie Stiefelriemen. In Anlehnung an die Baron-Münchhausen-Geschichte, bei der sich dieser selbst an seinen Haaren aus einem Sumpf zieht, beschreibt Bootstrapping einen Prozess, bei dem Gründer ausschließlich mit eigenen Mitteln ein Unternehmen finanzieren. Die Mittel sind meist beschränkt, allerdings behält man die volle Kontrolle. Auch mit sogenanntem „Love Money“ in Form privater Darlehen von Familienmitgliedern und Freunden kann im ersten Schritt finanziert werden. Hier handelt es sich um eine schnelle Geldquelle mit geringen Kosten, allerdings können sich schnell Konflikte im privaten Umfeld beim Ausbleiben des Erfolgs ergeben.

2. Business Angels

Bei dieser Form der Finanzierung fungieren etablierte Unternehmer als Geldgeber für junge Gründer. Business Angels investieren dabei nicht nur in die Start-ups, sondern sie begleiten als eine Art Mentoren auch mit ihrem Fachwissen. Kontakte zu Business Angels werden über einschlägige Online-Plattformen oder Veranstaltungen hergestellt. In Österreich gibt es Netzwerke wie die Austrian Angels Investors Association oder das Angel Investment Network . Bekannt ist das Modell der Business Angels insbesondere durch TV-Gründershows wie „2 Minuten 2 Millionen“, bei denen Gründer ihre Ideen und Produkte in Rahmen eines Bewerbs präsentieren und bekannte Investoren gewinnen können. Der Vorteil bei dieser Form der Finanzierung sind die finanzkräftigen und erfahrenen Investoren, aber auch das Know-how und das Netzwerk der Business Angels. Ein Nachteil ist, dass diese Form nicht für alle Gründer zugänglich ist, da Business Angels meist nur wirklich herausragende Ideen mit viel Potenzial unterstützen.

3. Crowdfunding & Crowdinvesting

Eine weitere Möglichkeit der Finanzierung ist die Schwarmfinanzierung, bekannter unter dem Begriff Crowdfunding oder Crowdinvesting: Dabei werden Investoren und Unternehmen über eigene Crowdinvesting-Plattformen zusammengeführt

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. Viele Menschen investieren bei dieser Form ihr Geld, meist in geringen Summen. Das Unternehmen präsentiert seine Geschäftsidee und findet so Investoren. Je nach Modell bekommen die Geldgeber nach einer bestimmten Laufzeit das eingesetzte Kapital zurück und profitieren von den Zinsen oder sind am Unternehmen beteiligt. Crowdinvesting-Plattformen, die strenge Transparenzregeln einhalten und sich zu den Ausübungsregeln des Fachverbands Finanzdienstleister bekennen, tragen ein Gütesiegel. Die Vorteile des Crowdfundings sind die finanzielle Unabhängigkeit von Großinvestoren, die einfache Beschaffung von Startkapital und das geringe Risiko. Nachteile sind der hohe Aufwand für die Kampagnen und eine teils lange Beteiligungsdauer der Investoren.

Mann und Frau vor Bildschirm
Es gibt auch Förderprogramme für Start-ups. Informieren lohnt sich.

4. Venture Capital und strategische Investoren

Dem Modell der Business Angels ähnlich ist Finanzierung mittels Venture Capital und strategischen Investoren. Allerdings stehen Investoren- oder Beteiligungsgesellschaften im Hintergrund. Venture Capital ist eine Art „Entwicklungshilfe“ für junge Unternehmen, die Investorengemeinschaften in Form von „Wagniskapital“ gewähren, da ein hohes Risiko besteht, das investierte Kapital zu verlieren, aber auch große Gewinnchancen bei Erfolg. Die Vorteile sind die umfangreiche Unterstützung, hohe Investmentsummen und Planungssicherheit, Nachteile sind ein hoher Wachstumsdruck und die Abgabe von Mitsprache- und Kontrollrechten.

5. Förderungen

Der Staat und auch die Europäische Union bieten einige Förderprogramme für Start-ups. Dabei werden Darlehen zu sehr guten Konditionen gewährt, teilweise auch mittels nicht rückzahlbarer Zuschüsse. Infos zu Förderungen gibt es auf der Website der aws – der Förderbank des Bundes. Vorteile sind dabei die guten Konditionen und keine Abhängigkeit von Investoren. Die Nachteile sind aufwändige Antragsstellungen, lange Wartezeiten und keine Eignung zur längerfristigen Finanzierung.

Expertenberatung sichert erfolgreiche Verwirklichung Ihrer Unternehmensidee

Für angehende Unternehmer, die ihre Ideen verwirklichen möchten, aber auch für etablierte Unternehmen in Expansionsphasen gibt es damit einige Möglichkeiten der Finanzierung. Finanzexperten beraten dabei, welche Finanzierungsarten zu welcher Geschäftsidee passen, und sie wissen, welche rechtlichen Aspekte dabei zu beachten sind. Die Salzburger Finanzdienstleister kennen die Finanzierungsinstrumente und beraten objektiv, stehen bei Verhandlungen zur Seite und unterstützen bei Business- und Finanzierungsplan – der Grundlage für den unternehmerischen Erfolg. Den Finanzdienstleister in Ihrer Nähe finden Sie hier.

Redaktion
Redaktion
Die Salzburger Finanzdienstleister sind Ihre Ansprechpartner für alle Fragen rund ums Geld. Hier geht es zur Beratersuche