The first capital in a new career can be thought of as individual capital. The money which can be retrieved from personal savings, credit card, or from the sale of real estate, vehicles, or other valuable assets. In addition, family and friends can also be a source of venture capital for new businesses. However, although the personal savings or borrowed money to family and friends is easy to get, so may still not be enough for starting a business. Moreover, friends and relatives sometimes feel they have the right to put forward this proposal related to the management of the business. This can negatively influence the personal relationship. So, people often start to look to financial institutions such as banks to loans. However, a drawback of the Bank loan is to pay high interest rates. Another disadvantage is the large debts usually makes other investors feel less attractive to new business.
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