{"id":33507,"date":"2023-05-08T15:10:57","date_gmt":"2023-05-08T15:10:57","guid":{"rendered":"https:\/\/bostonchamber.com\/?post_type=thought-leadership&#038;p=33507"},"modified":"2023-05-09T15:27:57","modified_gmt":"2023-05-09T15:27:57","slug":"accessing-capital-for-your-business","status":"publish","type":"thought-leadership","link":"https:\/\/bostonchamber.com\/thought-leadership\/accessing-capital-for-your-business\/","title":{"rendered":"Accessing Capital for Your Business\u00a0"},"content":{"rendered":"<style> .banner:before {\r\n        background: linear-gradient(0deg,rgba(0,0,0,.5),rgba(0,0,0,.5)) !important;\r\n    }<\/style><div id=\"ra_id_1678124236\" class=\"banner  standard lazyload\" style=\"background-image:inherit\" data-bg-image=\"url(https:\/\/bostonchamber.com\/wp-content\/uploads\/2022\/10\/Event-Heros.png)\">\r\n        <div class=\"container  banner-container text-Center\">\r\n            <div class=\"row center-items\">\r\n                                \r\n                <div class=\"col-lg-10 \"  >\r\n                                            <!-- <p class=\"label special-label\" tabindex=\"0\"><\/p> -->\r\n                    \r\n                    <h1 class=\"underline-text white  required\" tabindex=\"0\">\r\n                        Accessing Capital for Your Business                    <\/h1>\r\n                                            <div class=\"xyz\" tabindex=\"0\"><p><\/p><\/div>\r\n                        <div class=\"banner_event\">\r\n                                                                    <span  class=\"author-text\" tabindex=\"0\">Charles Zanazzi, Regional Vice President Professional Services<\/span>\r\n                                                            <\/div>\r\n                    <div class=\"banner-btn-wrapper\">\r\n                                                                                <\/div>\r\n                        <!-- <a href=\"#\">Link<\/a>\r\n                        <a class=\"arrow-link\" href=\"#\">Link<\/a>\r\n                        <a class=\"external-link\" href=\"#\">External Link<\/a>\r\n                        <a class=\"more-link\" href=\"#\">More<\/a> -->\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<script type=\"text\/javascript\">\r\njQuery(document).ready(function($){\r\n    setTimeout(function () {\r\n        console.log('here');\r\n\t\t$('#_youtube-iframe-wrapper').show();\r\n\t}, 2000);\r\n});\r\n<\/script>\n\n<style>\r\n    .cta-btn-wrapper{margin-bottom:2rem;margin-top:-10px;}\r\n<\/style>\r\n<section class=\"wysiwyg_block\">\r\n    <div class=\"container\">\r\n        <div class=\"row\">\r\n            <div class=\"col-lg-8\">\r\n            \r\n            <p>Access to capital is often the backbone for business growth, more critical for businesses today as interest rates rise, the supply chain wobbles, and international events unbalance world politics. Charlie Zanazzi who heads up HarborOne\u2019s Boston lending team, shares several tips and insights to help ease your journey to raising capital in your business.<\/p>\n<h4>Breaking down the difference<\/h4>\n<p>Certain types of capital will be more appropriate depending on your industry or stage of business, and it\u2019s ok to have multiple sources. So it\u2019s useful to clarify the difference between debt capital and equity capital.<\/p>\n<h4>Debt Capital<\/h4>\n<p>The most common form of raising capital is Debt Capital, or money you\u2019ve borrowed, usually from financial institutions like banks and credit unions (or sometimes friends and colleagues). It could be short-term funding like an overdraft, a line of credit or a longer-term loan for buying new equipment, or commercial real estate. Loans are usually guaranteed by security (often your house or business assets), though there are many variations such as SBA guaranteed loans.<\/p>\n<p><strong>Benefits:<\/strong><\/p>\n<ul>\n<li>Any interest paid on a loan is tax deductible.<\/li>\n<li>Borrowing money maintains the ownership structure of the business, which includes who shares the profit.<\/li>\n<li>It\u2019s fast.<\/li>\n<\/ul>\n<p><strong>Constraints:<\/strong><\/p>\n<ul>\n<li>Debt incurs interest and the principal needs to be paid back.<\/li>\n<li>If you are unable to repay the loan, the security will be called on.<\/li>\n<li>If you have more debt than owner\u2019s equity, your creditworthiness could drop and borrowing costs increase.<\/li>\n<\/ul>\n<p>Often, it\u2019s easier and less complicated to use debt capital especially at the start of a business. An existing business with a significant amount of fixed investment (for example, buildings and equipment) is best suited for early debt, as many banks will lend against hard collateral over longer periods of time (20 to 30 years). Early stage companies should keep fixed costs as low as possible to conserve cash flow.<\/p>\n<h4>Equity Capital<\/h4>\n<p>Opposite to debt, equity capital is where you raise cash in exchange for selling part of your business, giving up some of the \u2018equity\u2019 or ownership. Selling part of your business could be to investors you know from your network via word of mouth, or from formal networks such as angel funds and venture capitalists.<\/p>\n<p><strong>Benefits:<\/strong><\/p>\n<ul>\n<li>Usually (not always) equity financing doesn\u2019t need to be paid back or incur interest.<\/li>\n<li>Investors can bring valuable expertise, access to markets, channels and advice.<\/li>\n<li>Equity financing can increase a company&#8217;s credibility and attractiveness to other investors, lenders, and business partners.<\/li>\n<li>Equity capital is friendlier to your balance sheet as it\u2019s not a loan. Therefore, the overall financial strength of your business is better (in case you need to raise debt capital later).<\/li>\n<li>If your plan to use the capital is delayed, there\u2019s no repayment based on a loan date.<\/li>\n<\/ul>\n<p><strong>Constraints:<\/strong><\/p>\n<ul>\n<li>Selling equity means you no longer own 100% of your business.<\/li>\n<li>Once other people are financially involved, they may want the business to go in another direction, causing disagreements.<\/li>\n<li>It can take time. Agreeing on terms can be difficult.<\/li>\n<li>The valuation of a business is always a best guess.<\/li>\n<\/ul>\n<p>Equity can be a lower risk strategy initially, but you\u2019re selling a portion of your future potential. It\u2019s often more viable if the company is assessed on an idea, intangible value, or expects high growth and high pay-off, all which attract equity providers.<\/p>\n<h4>Alternatives<\/h4>\n<p>Other increasingly popular ways to raise capital especially for micro businesses includes crowdfunding and peer to peer lending, where other business owners contribute cash to your business.<\/p>\n<p>There are also corporate and business capital opportunities, where a customer, competitor or supplier either buys a stake in your business or provides finance to help you grow.<\/p>\n<p>Government and State funding may also be available. Find your local <a href=\"https:\/\/www.msbdc.org\/alphabytown.html\">Massachusetts Small Business Development Center here<\/a> for help identifying what you may be eligible for, and review the <a href=\"https:\/\/www.mass.gov\/info-details\/eohed-programs-and-grants-business-and-innovation#small-&amp;-growing-businesses-\">Massachusetts State site for small business programs and grants<\/a>.<\/p>\n<p>Don\u2019t forget your own professional network of accountant, financial adviser, or attorney who may have access to local networks.<\/p>\n  \r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/section>\n\n\n<figure class=\"wp-block-video aligncenter\"><video height=\"436\" style=\"aspect-ratio: 900 \/ 436;\" width=\"900\" controls src=\"https:\/\/bostonchamber.com\/wp-content\/uploads\/2023\/04\/new-Media-Grid-Horizonal-2ND-3RD-MEDIA.mp4\"><\/video><\/figure>\n\n\n<style>\r\n    .cta-btn-wrapper{margin-bottom:2rem;margin-top:-10px;}\r\n<\/style>\r\n<section class=\"wysiwyg_block\">\r\n    <div class=\"container\">\r\n        <div class=\"row\">\r\n            <div class=\"col-lg-8\">\r\n            \r\n            <h4>Preparing your business<\/h4>\n<p>Regardless of where you get capital from, do your homework on what the provider will require in advance. The more prepared you are the better. For example:<\/p>\n<ul>\n<li>Get your processes and systems running smoothly and monitor key performance indicators. Look for ways to work smarter.<\/li>\n<li>Review your business plan and make sure it\u2019s well presented. Define your goals, how you\u2019re going to achieve them, why you need capital, and how much you need.<\/li>\n<li>Show you\u2019re unique by showcasing your competitive advantage and point of difference.<\/li>\n<li>Make sure you have the right partners and invest in their ability to help you grow such as legal, accounting, insurance, and banking.<\/li>\n<\/ul>\n<p>Don\u2019t be too quick to accept the first offer of money for equity. Make sure you\u2019ve completed your own due diligence on potential investors, so you can decide which will work best with you and your business.<\/p>\n<h4>Reduce the capital needed<\/h4>\n<p>Potentially you could find some of the cash internally, which reduces the amount of capital you need. For example, selling equipment you don\u2019t use often (and leasing it when you do). Other tactics include:<\/p>\n<ul>\n<li>Cutting down on expenses and driving sales to release cash flow.<\/li>\n<\/ul>\n<ul>\n<li>Converting working capital to cash by reducing any inventory or raw materials you\u2019re holding unnecessarily.<\/li>\n<li>Pre-selling\u2014customers pay you for goods or services now and you deliver later.<\/li>\n<li>Collaborating with strategic partners to save costs on marketing or product\/service development.<\/li>\n<\/ul>\n<p>You\u2019ll be surprised at how much all these savings add up, generating more cash to reinvest in business growth.<\/p>\n<h4>Do your research<\/h4>\n<p>Whichever provider you choose, check that they\u2019re offering a wider perspective than just access to cash. If you can, write up a Request For Proposal (RFP) for them to complete, to be confident they know your business, have asked the right questions, and will provide a level of insight and expertise that you don\u2019t have yourself. Money is usually easier to access than great advice.<\/p>\n<p>If you\u2019re talking to your banker, check their experience and how they partner with the wider bank or branch network to make your everyday banking easier. Ideally the bank provides a holistic approach to being in the community, such as providing education and specialty programs, serving the not-for-profit sector, SBA lending, and even micro loans for the very small business needing up to $5,000 to get up and running.<\/p>\n<h4>Final advice<\/h4>\n<p>I\u2019d suggest using a team-based approach to find a solution that fits your business, rather than rely on one or two people. Bring in your lawyer, accountant, financial adviser, and business colleagues to vet your ideas. From a bank point of view, make sure your banker listens and understands your goals and expectations to access the help and advice you need. Your banker should also tell the story of their bank\u2014sell you on them. You need a bank that\u2019s willing to develop a relationship, not just make transactions.<\/p>\n<p>For more free business help and tools, visit <a href=\"https:\/\/www.harborone.com\/small-business\/voyage\/home\">HarborOne\u2019s Small Business Hub,<\/a> packed with articles, videos, templates, calculators, checklists, and case studies.<\/p>\n  \r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/section>\n\n\r\n<div class=\"people-spotlight three-up\" id=\"ra_id_1678135702\">\r\n    <div class=\"container\">\r\n        <div class=\"three-up-heading-wrap\">\r\n        <h4 tabindex=\"0\">You May Also Be Interested In       \r\n        <\/h4> \r\n                <\/div>\r\n        <div class=\"row three-up-slider\">\r\n            <div class=\"col-lg-4 item\"><div class=\"content-wrapper\"><a href=\"https:\/\/bostonchamber.com\/news-insights\/?1\"><h5 tabindex=\"0\" class=\"cat\">Learning &amp; Development<\/h5><\/a><div tabindex=\"0\" class=\"people-img avtar ratio ratio-16x9\"><img decoding=\"async\" tabindex=\"0\" class=\"avtar lazyload\" data-src=\"https:\/\/bostonchamber.com\/wp-content\/uploads\/2022\/01\/new-Website-3-up-Event-Image-Template-650-\u00d7-400-px-25.png\" alt=\"EQ to elevate workplace well-being\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 650px; --smush-placeholder-aspect-ratio: 650\/400;\" \/><\/div><h3 tabindex=\"0\"><span class=\"hightlight\">EQ to Elevate Workplace Well-being<\/span><\/h3><p class=\"special-label\"><\/p><div class = \"desc\">Designed for mid-level managers and supervisors, this new certificate program addresses workplace well-being through unique, innovative, and actionable methods.<\/div><div class=\"link-wrapper\"><a tabindex=\"0\" href=\"https:\/\/bostonchamber.com\/programs\/eq-to-elevate-workplace-wellbeing\/\" class = \"stretched-link\">Register Now<\/a><img decoding=\"async\" tabindex=\"0\" alt=\"arrow-go\"\r\n                                data-src=\"https:\/\/bostonchamber.com\/wp-content\/themes\/bostonchamber\/assets\/images\/linkedinarrow.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/div><\/div><\/div><div class=\"col-lg-4 item\"><div class=\"content-wrapper\"><a href=\"https:\/\/bostonchamber.com\/event\/calendar\/?1&#038;_event_type=premier-event\"><h5 tabindex=\"0\" class=\"cat\">Premier Event<\/h5><\/a><div tabindex=\"0\" class=\"people-img avtar ratio ratio-16x9\"><img decoding=\"async\" tabindex=\"0\" class=\"avtar lazyload\" data-src=\"https:\/\/bostonchamber.com\/wp-content\/uploads\/2023\/02\/new-Website-3-up-Event-Image-Template-650-\u00d7-400-px-26.png\" alt=\"Annual Meeting 2023\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 650px; --smush-placeholder-aspect-ratio: 650\/400;\" \/><\/div><h3 tabindex=\"0\"><span class=\"hightlight\">2023 Annual Meeting<\/span><\/h3><p class=\"special-label\"><span>May 16, 2023<\/span><span><span>4:30pm<\/span> &#8211; <span>8:00pm<\/span><\/span><span>Omni Boston Hotel at the Seaport<\/span><\/p><div class = \"desc\">On May 16, join us for our highly anticipated Annual Meeting, Greater Boston&#8217;s top business convening of the year. <\/div><div class=\"link-wrapper\"><a tabindex=\"0\" href=\"https:\/\/bostonchamber.com\/events\/2023-annual-meeting\/\" class = \"stretched-link\">Register Now<\/a><img decoding=\"async\" tabindex=\"0\" alt=\"arrow-go\"\r\n                                data-src=\"https:\/\/bostonchamber.com\/wp-content\/themes\/bostonchamber\/assets\/images\/linkedinarrow.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/div><\/div><\/div><div class=\"col-lg-4 item\"><div class=\"content-wrapper\"><a href=\"Javascript:void(0)\"><h5 tabindex=\"0\" class=\"cat\">City Awake<\/h5><\/a><div tabindex=\"0\" class=\"people-img avtar ratio ratio-16x9\"><img decoding=\"async\" tabindex=\"0\" class=\"avtar lazyload\" data-src=\"https:\/\/bostonchamber.com\/wp-content\/uploads\/2022\/09\/new-Website-3-up-Event-Image-Template-650-\u00d7-400-px-8.png\" alt=\"TOYL\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 650px; --smush-placeholder-aspect-ratio: 650\/400;\" \/><\/div><h3 tabindex=\"0\"><span class=\"hightlight\">Ten Outstanding Young Leaders Awards<\/span><\/h3><p class=\"special-label\"><\/p><div class = \"desc\">Ten Outstanding Young Leaders (TOYL) Awards is about Boston\u2019s present and, more importantly, Boston\u2019s future. Congratulations to our 2025 TOYL Honorees! <\/div><div class=\"link-wrapper\"><a tabindex=\"0\" href=\"https:\/\/bostonchamber.com\/?post_type=page&#038;p=30142\" class = \"stretched-link\">Read the Recap<\/a><img decoding=\"async\" tabindex=\"0\" alt=\"arrow-go\"\r\n                                data-src=\"https:\/\/bostonchamber.com\/wp-content\/themes\/bostonchamber\/assets\/images\/linkedinarrow.svg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/div><\/div><\/div>        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\n\n<style>\r\n    .btn:hover:after {\r\n        transform: scaleX(1.05);\r\n    }\r\n<\/style>\r\n","protected":false},"excerpt":{"rendered":"<p>Charlie Zanazzii, who heads up HarborOne\u2019s Boston lending team, shares tips to help ease your journey to raising capital in your business.<\/p>\n","protected":false},"featured_media":33709,"parent":0,"menu_order":0,"template":"","meta":{"content-type":"","inline_featured_image":false},"tags":[37,30,46,68,76,31,35,58],"class_list":["post-33507","thought-leadership","type-thought-leadership","status-publish","has-post-thumbnail","hentry","tag-business-climate","tag-business-development","tag-ceos","tag-innovation","tag-marketing-professionals","tag-professional-development","tag-small-businesses","tag-young-professionals"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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