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Safe Tips for Finding Private Investors for Business Capital Loans

Starting a company requires entrepreneurial capital. Usually, the business capital required is not small. This is why entrepreneurs aggressively seek business capital loans from investors. Along with the development of technology, business capital loan services are becoming more accessible. However, you also need to be careful when finding a private investor and applying for a business capital loan.

Before seeking private investors for venture capital, understand what investing is and what investors are. Did you know that there are several types of investors that may be a suitable option for the capital of your company? Let's see in the following article the explanation of the investment and how to safely find a private investor to obtain a business capital loan.

Before looking for a private investor, understand the definition of investment and investor

Before we talk about which investment is right for your company, first understand the definition of investment. According to the Big Indonesian Dictionary (KBBI), investment is the investment of money or capital in a company or project in order to make a profit.

According to the KBBI, an investor is a person who invests money or capital in a company with the aim of making a profit. Simply put, an investor is a person who makes investments. The goal of investors is to earn higher returns with the risks they are willing to take.

Investors are divided into private investors (individuals) and institutional investors (companies). Institutional investors are financial institutions and banks. For their part, private investors are people who invest on their own behalf, not companies. Most people think that it is easy to get a personal investor, but as an entrepreneur you have to be careful with fake personal investors.

The reason is that if you get a business capital loan from a bogus personal investor, it is not impossible that you may have to pay too much interest on the loan. No need to worry though, for those of you who are looking for personal investors, there are many professional personal investors who are licensed and registered with the Financial Services Authority (OJK).

How to safely find a personal investor

There are various loan alternatives available for entrepreneurs to raise their business capital. Of course, you must ensure that the private investor you choose is a provider of capital that complies with laws and regulations. Both related to requirements, interest and loan guarantees. This avoids the risk of you becoming a victim of business capital loan fraud.

Here are some surefire ways to find a private investor for your business:

Finding private investors through fintech peer-to-peer (P2P) lending

Starting from this base, P2P loans are the right alternative if what you are looking for is a personal investor, or you can say a business capital loan. With the help of technology in the form of an online platform, you can apply for loans directly from creditors with easy terms and a quick process.

In fact, some P2P fintech lenders offer unsecured business capital loans. This is certainly beneficial for business owners, such as micro, small and medium-sized enterprises (SMEs), who do not have collateral. However, it must be taken into account that the interest rate offered will be relatively higher than the bank interest.

Interested in getting P2P loan investment? Before applying for a loan, keep the following points in mind:

1. Pay attention to the interest rate offered

The quick and easy loan application process certainly tempts potential borrowers. However, you should also pay attention to the interest rates offered. Some P2P lenders set relatively high interest rates as compensation for the ease of requirements. The Indonesian Pool Fintech Fintech Association (AFPI) has set a maximum loan fee of 0.8% per day.

The advice is to choose a P2P lending platform that offers the lowest possible interest rate based on your financial capacity. Know the risks so you don't feel overwhelmed when the return deadline arrives.

2. Borrow based on production needs

The OJK advises borrowers to borrow funds based on their productive needs. And preferably, you shouldn't borrow more than 30% of your income. So it will not be difficult for you to repay the loan. Remember that of course you have to pay for daily living and so on, right?

3. Pay dues on time

This is a point to which you should pay close attention. Pay your loan installments on time to avoid late fees. You can set an alarm on your mobile phone calendar as a reminder of the due date.

By paying attention to the above three things, you can be calm and prudent when granting business capital loans on P2P lending platforms. Although there are many fintech P2P lending options, choose a credible personal investor. Here are fintech P2P lending alternatives for business capital loans:

1. Danamas (PT Pass Dana Pinjaman)

Danamas is a P2P lending platform created by PT Pasar Dana Pinjaman within the framework of Sinarmas Financial Service. Danamas services have been licensed and registered with the DOK. If you are the owner of a microenterprise, Danamas is the right option to lend you funds. The reason is that Danamas is committed to helping the microenterprise sector in terms of business capital financing.

2. Asetku (PT Pinta Inovasi Digital)

Asetku has a cash loan product in the form of KTA Asetku. Cash loans through Asetku are suitable for those of you who are looking for a personal investor with a quick and easy process. You can get a direct cash loan in 5 minutes. Interesting, right? However, the nominal amount of the KTA Asetku loan is quite low and its maturity is short.

This quick money loan offers a maximum limit ranging from Rs 500,000 to Rs 3,000,000, with a maximum term of 22 days.

3. UangMe (PT Uangme Fintek Indonesia)

The next P2P lending fintech that you can use as a personal investor is UangMe. Business capital loans through UangMe will be disbursed directly into the borrower's account. You can ask for a loan of 400,000 to 4,000,000 rupees for a period of four months. The daily commission varies up to 0.79%.

For the verification process, you have to wait 1-3 days. UangMe verification team will contact you with your mobile phone number. If the verification process is successful, you will receive a short message (SMS). You also have to wait a maximum of two days for the disbursement process.

Finding private investors through bank loan products

Compared to the ease of the online loan application process, applying for a bank loan is more complicated. Banks have many requirements. For example, borrowers must have good credit, a time-consuming approval process, and a credit card requirement.

However, banks may still be an option for those looking for personal investors. Especially for MSMEs. Be careful, borrowing business capital from banks also has its advantages. Like some of the following benefits:

1. Low interest

The interest on bank loans is a commission that the borrower (client) must pay for the loan granted by the bank. Each bank sets different interest rates. Therefore, you must be selective when choosing a bank so that the interest on the loan does not weigh down the financial situation of your company.

2. The bank does not intervene in the business of the borrower

Although the bank acts as an investor through the loan proceeds, it will not interfere in the borrower's business. You are free to allocate the principal of the loan according to your business plan. In this credit cooperation, the bank only guarantees that you, as the debtor, will comply with the rules. One of them is the return of funds.

Meanwhile, the bank will also be responsible for its duty, which is to maintain the collateral or debt security. Some bank loan products require valuable assets as collateral. It is a guarantee of repayment of the loan funds.

3. Banks offer a wide range of loans

Another advantage of private investors in the form of banks is the variety of loan products. You can tailor the loan to your business model. From microcredits to macrobusiness capital credits. Each bank loan product offers different advantages.

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