| Phase of Business/ Financal Management needs | Debt Financing | Equity Financing | Gift Financing |
| Financing for Startups | Consumer Banks, Commercial Banks, SBA insured loans, Economic development agencies, Incubators, Accelerators, Leasing companies, Personal credit cards | Friends, family, Angels, Venture capital, direct public offering, Crowdfunding | Personal: Cash, pick up the tab, free use, free work, unpaid labor, overpayment, favored status/sweetheart deal forgiveness, deferral |
| Financing for Growth | Commercial banks, SBA, Private placement loans, Economic development agency, supplliers, leasing company, personal credit card | self generated funds, venture capital, direct public offering, merger, acquisition | Institutional: SBIR, STTR grant, state grant, incubator, accelerator, dontated capital, tax abatement
Personal: Cash, pick up the tab, free use, free work, unpaid labor, overpayment, favored status/sweetheart deal forgiveness, deferral |
| Financing for Operations | factor receivables, business cc, commercial bank, sba, private placement loans, suppliers, leasing companies | self generated funds, venture capital, direct public offering | Institutional: SBIR, STTR grant, state grant, incubator, accelerator, dontated capital, tax abatement
Personal: Cash, pick up the tab, free use, free work, unpaid labor, overpayment, favored status/sweetheart deal forgiveness, deferral |
| Financing for Exit | consumer banks, Commercial Banks, SBA, private placement loans, economic development agencies, sba investment companies, suppliers, leasing companies, lines of credit | self generate funds, venture capital, direct public offering | Institutional: SBIR, STTR grant, state grant, incubator, accelerator, dontated capital, tax abatement
Personal: Cash, pick up the tab, free use, free work, unpaid labor, overpayment, favored status/sweetheart deal forgiveness, deferral |
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sourcesofcapitalfinancingandphasesofbusiness.xlsx
