It s so difficult to raise money now, what should I do?

Legal analysis: 1. The valuation adjustment clause, also referred to as the VAM clause, is an agreement between the investor and the entrepreneur on the uncertain situation in the future, if the agreed conditions appear, the investor can exercise a valuation adjustment agreement right, on the contrary, if the agreed conditions do not appear, the financing party will exercise the agreed rights. 2. Pre-investment valuation and post-investment valuation:

1) Pre-investment valuation refers to the assessment of the current value of the company before investment; (2) Post-investment valuation = pre-investment valuation + investment amount 3, when entrepreneurs choose the appropriate financing amount and share price, considering the risks that may result from the financing amount being too high or low and the share price being too high or too low, they should be comprehensively considered according to the business node of the enterprise development and the direction and amount of capital use. 4. Factors affecting valuation: (1) the company's development stage; (2) the current economic environment; (3) Company operating data; (4) Experience of the entrepreneur and the core team; (5) The time of entry of the investor, etc.

Legal basis: Article 159 of the Criminal Law of the People's Republic of China Where the founders or shareholders of a company violate the provisions of the Company Law by failing to deliver money or goods or transfer property rights, make false capital contributions, or withdraw their capital contributions after the establishment of the company, and the amount is huge, the consequences are serious, or there are other serious circumstances, they shall be sentenced to fixed-term imprisonment of not more than 5 years or short-term detention, and/or a fine of between 2 and 10 for the amount of false capital contributions or the amount of capital contributions withdrawn. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person in charge and other persons directly responsible shall be sentenced to fixed-term imprisonment of not more than 5 years or short-term detention".

I suggest that we can solve the problem of difficult financing for enterprises through the following two points:

1. Asset sale financing. Asset sale financing is a method of liquidating and selling off a certain department or part of the assets of an enterprise to raise the required funds. The objects of enterprise asset sale include:

Assets that have little to do with the main production and business activities; Assets whose profitability is lower than the average level in the same industry; assets whose liquidation value is greater than their book value; Assets for non-specialized production that have been abandoned in order to strengthen specialized production.

In order to optimize the business structure and improve the degree of specialization, it is also possible to sell the profitable departments and divert part of the funds for investment in other strategic departments. By selling off surplus or inefficient assets, we can raise the necessary funds and concentrate on developing the advantages of enterprises, improving the degree of specialization, opening up new markets, and improving competitiveness.

2. Internal employee fund-raising methods. The employees of the enterprise are very clear about the operating conditions and development potential of the enterprise. The development of the enterprise is beneficial to the internal employees; Businesses close their doors, and workers lose their jobs as a result.

When the boss of a small and medium-sized enterprise is unable to expand the scale of the enterprise or has difficulty in capital turnover, he will generally receive support for raising funds from internal employees.

Raising funds from internal employees is not subject to the restrictions attached to bank loans, and the use of funds is relatively free. Of course, the boss should promise the employee a higher interest return, which is equivalent to distributing dividends to the fund-raising employees. Employees invest their money in the enterprise, and the investment income obtained is much higher than the interest on bank deposits, in this case, they are willing to raise funds.

When employees lend money to their bosses, they will become closer to each other and more loyal to the company.

We can go to Matilda to learn about corporate finance. In order to promote the smooth growth and successful listing of the target enterprise, Mingde Tiansheng adheres to the concept of "creating value with the enterprise", provides strategic investment banking services for the enterprise throughout the pre- and post-investment period, and provides strategic investment banking services for the company's strategic planning, competitiveness management and listing planning by professionals with rich practical experience, so as to enhance the value of the enterprise, promote the development of the enterprise and promote the listing of the enterprise.

The self-care structure of the enterprise legal person is not perfect, the lack of long-term planning and goals, the short-sighted decision-making, and the weak management ability lead to weak anti-risk ability and short life cycle; Many small and medium-sized enterprises have not established a sound financial system, some have set up several sets of accounts, and some have not even established accounting accounts, and the management of funds is relatively chaotic, and the financing is not used and repaid as agreed, which leads to the low credit level of enterprises.

As the main body of financing, enterprises have low transparency, many uncertain factors, and information asymmetry inhibits the willingness of capital providers to lend, resulting in difficulties in financing for small and medium-sized enterprises. In order to reduce risks, capital providers increase financing costs, which leads to expensive financing to a certain extent. Solving these problems can change the financing problem.

1. Venture financing is a key part of the implementation of the business plan.

2. Venture financing can reflect the good credit level of enterprises or entrepreneurs.

3. Venture financing is an important means for entrepreneurs to seize entrepreneurial opportunities in a timely manner.

4. Venture capital financing is a prerequisite for grasping venture capital opportunities.

Now there are many channels for entrepreneurial financing, if it is a small cost to start a business, you can consider applying for Internet microcredit loans for entrepreneurial financing, such as Du Xiaoman Finance has money to spend, the amount is high and the interest rate is low, it is understood that among the credit users of Du Xiaoman Finance, seventy percent are small and micro business owners, and big brands are more at ease.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

Banks need to control risks, start-ups are too risky to go to banks for financing, and banks don't like high-risk start-ups;

Start-ups do not have stable cash flow and profits, which is an important assessment indicator for banks, and it is difficult for start-ups to achieve;

Start-ups do not have many fixed assets, and without collateral, it is difficult for banks to finance start-ups.

The high cost and instability of the processing are also a reason.

Of course, there are many other factors that make it difficult for banks to finance startups. Generally, the financing method of start-up enterprises is venture capital or angel**.

Start-up enterprises are too risky, there is no stable cash flow and profits, there are not many fixed assets, there is no collateral, and the handling cost is high and unstable.

5 investors, 5 entrepreneurs, to achieve a full meeting needs 5 * 5 = 25 times. But if there is an intermediate platform like the C-board to help with accurate matching, those meaningless meetings will be screened out. The platform can be used to solve financing problems and help entrepreneurs better position themselves and make the right plan.

1. Sort out BP and find project highlights and core competitiveness.

2. Sort out the financial situation and have a reasonable pricing for the financing amount; Establish a financial model and make reasonable financial statements**.

3. Sort out the industry situation, and have a reasonable estimate of the valuation through similar competing products, its own business and the degree of industry prosperity.

Through the above three tasks, combined with operating data, cash flow, capital heat, industry prosperity and financing timing and other dimensions to develop financing plans for entrepreneurs. Get the most suitable financing amount and valuation in the least amount of time. The appropriate performance of the valuation is that it is neither undervalued nor overdrawn by business data.

I have seen too many 14 years of being praised by capital for valuation, and under this year's capital winter, I have no choice but to choose down-round or even die. At the same time, the whole set of financing plan is not only equity financing, the cost of equity financing is actually the largest, I saw that the compound on the C board is both equity and debt investors, there is a case of helping a B round of project to do investment and loan linkage, if the financing is not smooth, the reasonable introduction of bridge loans can make the project through the danger period.