I am looking for funding

Running your business at any stage of its development will require capital.  You can use your own resources, but remember that you have the possibility to raise finance from other sources at each stage of the activity.

Finances for starting a business

If you start an activity, you can use subsidy from EU funds or other funds for start-ups. Read more about funding to start an activity  in the section Finances for starting a business.

Finance for the activity and business development

With the growth of your company, the need for capital will increase  You will need it both to cover existing commitments, for example, to suppliers, as well as long-term liabilities in respect of the purchase of cars, new buildings or other investment in the development of your business.  Bank loans (find out more on loans for entrepreneurs) or increasingly popular leasing (read more about leasing), will help you develop a company without a significant financial resources. Not every company can rely on the favourable credit from  a bank - a good solution, especially for smaller operators, are loan funds (read more about the loan funds and guarantee funds).

Remember about the possibility to obtain resources for the development from EU funds.  Discover the opportunities for financing the development of your activity with the help of EU funds in the framework of operational programmes.

Financing innovative activity

You have an original idea for e.g. high-tech company?  There are more and more  funding opportunities for innovative companies.  For those who have just started their activity, funding programmes for start-ups can be attractive (read more about financing start-ups) or e.g. crowdfunding (see what it involves and how to account for crowdfunding).

Subsidies for research and development, infrastructure for research and implementation of innovation can also be obtained from EU funds - from the Smart Growth programme, Eastern Poland programme and the regional programme in your region.  Current competitions for companies for research and development can be found on the European Funds Portal in the search tool of grants.

Polish Development Fund

Liquidity management

Acting on the market you will incur financial commitments, inter alia, to your customers and financial institutions, whereas other entities will have obligations to your business. To maintain financial liquidity, that is to meet the obligations relating to the payment of remuneration or payment for goods and services is essential for the efficient and proper functioning of the company.  Bad financial management in extreme cases exposes the company to the risk of bankruptcy and in the best-case scenario may affect your credibility towards employees, business partners, or financial institutions you cooperate with.  In addition to ensuring liquidity, compliance with deadlines for payment and enforcing them from your clients, you can also benefit from other support mechanisms for managing the liquidity of your company.  Trade credit  from the supplier will allow you, for example, to postpone the date of payment for the goods. Working capital loan or overdraft on your current account facilitate the financing of current business activity.  While instruments such as factoring and forfaiting will allow to recover  receivables from contractors for products and services more quickly.  The publication Liquidity management will allow you to familiarise  with the basic methods and tools for providing liquidity for your business.

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