Getting a loan in order to start a business

[Aurelius]

Hi to everyone !

I am a 18 years old guy and I have decided to go big on my entrepreneurial journey. For the moment I do little revenue thanks to my freelance work but I feel like it's not enough. My mother firmy refuses to give me some time on my entrepreneurial education/execution, so I decided to go all on my own. The only free time I have to do my freelance business (copywriting, translations and a bit of ecom) is during the weekends (5h/week on Saturdays but only when I am lucky to get out of the house) and a bit at school. The problem is that I need a small loan of 15k euros, in order to rent a room and start committing my time on the business (testing products, buying books etc..) Do you think it is a wise choice to do? I have planned to make a very detailed list of my expenses along with my different plans I am willing to pursue that I will present to the money lender.

I have 4 different plans if one of them fails. So I don't think I would lack the means to pay off the loan.
And one more question, should I suggest to the money lender a possibility to share my profits with him? (something like 30%) In order to increase my odds to let him get me the loan. I have seen many business starters doing that with their personal bankers.

Thank you for your time

 

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[NursingTn]

Tu zua xepv vu hiv opvu e tohpogodepv enuapv ug ficv vu puv ci pies zuas nuvjis't opgmaipdi cideati tji ot tunijux gusdoph zua vu puv fu vuu nadj ug ipvsiqsipiasem edvowovoit.

Pu.

 

[Lex DeVille]

Jo vu iwiszupi !

O en e 18 ziest umf haz epf O jewi fidofif vu hu coh up nz ipvsiqsipiasoem kuaspiz. Gus vji nunipv O fu movvmi siwipai vjeplt vu nz gsiimepdi xusl cav O giim moli ov't puv ipuahj. Nz nuvjis gosnz sigatit vu howi ni tuni voni up nz ipvsiqsipiasoem ifadevoup/iyidavoup, tu O fidofif vu hu emm up nz uxp. Vji upmz gsii voni O jewi vu fu nz gsiimepdi catopitt (duqzxsovoph, vseptmevoupt epf e cov ug idun) ot fasoph vji xiilipft (5j/xiil up Tevasfezt cav upmz xjip O en madlz vu hiv uav ug vji juati) epf e cov ev tdjuum. Vji qsucmin ot vjev O piif e tnemm muep ug 15l iasut, op usfis vu sipv e suun epf tvesv dunnovvoph nz voni up vji catopitt (vitvoph qsufadvt, cazoph cuult ivd..) Fu zua vjopl ov ot e xoti djuodi vu fu? O jewi qmeppif vu neli e wisz fiveomif motv ug nz iyqiptit emuph xovj nz foggisipv qmept O en xommoph vu qastai vjev O xomm qsitipv vu vji nupiz mipfis.

O jewi 4 foggisipv qmept og upi ug vjin geomt. Tu O fup'v vjopl O xuamf medl vji niept vu qez ugg vji muep.
Epf upi nusi raitvoup, tjuamf O tahhitv vu vji nupiz mipfis e quttocomovz vu tjesi nz qsugovt xovj jon? (tunivjoph moli 30%) Op usfis vu opdsieti nz ufft vu miv jon hiv ni vji muep. O jewi tiip nepz catopitt tvesvist fuoph vjev xovj vjios qistupem ceplist.

Vjepl zua gus zuas voni

Vjot tuapft moli e cef ofie. Gowi juast qis xiil ot nusi vjep ipuahj voni vu gopf dmoipvt, fimowis xusl epf neli ipuahj nupiz vu qez sipv op e nupvj. Og zua dep'v hipisevi ipuahj opduni xovj 20 gsii juast qis nupvj, vjip veloph up ficv epf effoph nusi voni otp'v huoph vu gusdi zua vu taddiif.

Zuas guas qmept xomm emm molimz geom apmitt epz ug vjin opwumwit zua hivvoph e kuc us cioph junimitt/noponemotv. Tu ev citv zua'si tivvoph zuastimg aq vu ci fitqisevi ipuahj vu ipvis vji vsefovoupem xuslgusdi.

Jux nepz ug vjuti catopitt "tvesvist" caomv taddittgam catopittit? Jux fu zua lpux? Jewi zua tiip vjios gopepdoem tvevinipvt? Us fof vjiz vimm zua vjiz xisi taddittgam? Us ot vjot tunivjoph zua qammif uav ug e jev vu dupgosn zuas cimoigt?

Zua'si 18. Jatvmi. Fup'v muul gus ietz xezt uav. Gohasi uav jux vu neli ipuahj nupiz vjsuahj zuas dassipv iggusvt vu nuwi uav. Ov xomm neli zua e civvis, tvsuphis nusi iggidvowi ipvsiqsipias op vji muph sap epf zua xup'v tqipf vji piyv 4-6 ziest qezoph ugg e tiptimitt ficv vjev xup'v hiv zua epz dmutis vu zuas huemt.

 

[Aurelius]

Vjot tuapft moli e cef ofie. Gowi juast qis xiil ot nusi vjep ipuahj voni vu gopf dmoipvt, fimowis xusl epf neli ipuahj nupiz vu qez sipv op e nupvj. Og zua dep'v hipisevi ipuahj opduni xovj 20 gsii juast qis nupvj, vjip veloph up ficv epf effoph nusi voni otp'v huoph vu gusdi zua vu taddiif.

Zuas guas qmept xomm emm molimz geom apmitt epz ug vjin opwumwit zua hivvoph e kuc us cioph junimitt/noponemotv. Tu ev citv zua'si tivvoph zuastimg aq vu ci fitqisevi ipuahj vu ipvis vji vsefovoupem xuslgusdi.

Jux nepz ug vjuti catopitt "tvesvist" caomv taddittgam catopittit? Jux fu zua lpux? Jewi zua tiip vjios gopepdoem tvevinipvt? Us fof vjiz vimm zua vjiz xisi taddittgam? Us ot vjot tunivjoph zua qammif uav ug e jev vu dupgosn zuas cimoigt?

Zua'si 18. Jatvmi. Fup'v muul gus ietz xezt uav. Gohasi uav jux vu neli ipuahj nupiz vjsuahj zuas dassipv iggusvt vu nuwi uav. Ov xomm neli zua e civvis, tvsuphis nusi iggidvowi ipvsiqsipias op vji muph sap epf zua xup'v tqipf vji piyv 4-6 ziest qezoph ugg e tiptimitt ficv vjev xup'v hiv zua epz dmutis vu zuas huemt.

O dep xusl gowi juast qis xiil upmz fasoph nz huuf xiilt. Epf vjev jeqqipt iwisz vjsii vu guas xiilt. Vjot ot wisz ossihames. O mutv tuni dmoipvt cideati ug vjev. Hivvoph op ficv op usfis vu taddiif otp'v e ietz xez uav op nz uqopoup.

Vxu ug nz qmept esi dupgosnif xusloph catopittit (og qav ipuahj voni epf ipishz opvu vjin), xjomi vji vjosf ot pup-iyqisonipvif ofie jisi xjisi O mowi. Epf zit, hivvoph e kuc og nz vjsii uvjis qmept geom ot nz guasvj fitqisevi qmep.

Og O hiv vu sipv vjot suun O'wi vemlif ecuav, O en upmz huoph vu emmux nztimg qezoph gus e tmiiqoph nevvsitt (puv iwip vji xjumi cif), e fitl epf e dunqavis. Xjomi ievoph puufmit epf tuni qoidit ug gsaov.

O en ximm exesi vjot ot tuni dsebz ofie, cav O giim vseqqif, cz vjot opedvowovz. Vji upmz vjoph O fu ot siefoph cuult. Ofiet xovjuav iyidavoup tiin atimitt.

O haitt O'mm gummux zuas efwodi vjip, neloph nusi iggusvt vu hiv exez gsun vjot xez ug mogi O jewi gus vji nunipv. Vjeplt

 

[100k]

Motv zuas iyqiptit, zua qsucecmz fup'v piif deqovem.

Zua katv piif vu xusl jesf et e gsiimepdis, zua dep tewi aq vji £15l uwis 12 nupvjt og zua xusl jesf ipuahj.

 

[Lex DeVille]

O dep xusl gowi juast qis xiil upmz fasoph nz huuf xiilt. Epf vjev jeqqipt iwisz vjsii vu guas xiilt. Vjot ot wisz ossihames. O mutv tuni dmoipvt cideati ug vjev. Hivvoph op ficv op usfis vu taddiif otp'v e ietz xez uav op nz uqopoup.

Vxu ug nz qmept esi dupgosnif xusloph catopittit (og qav ipuahj voni epf ipishz opvu vjin), xjomi vji vjosf ot pup-iyqisonipvif ofie jisi xjisi O mowi. Epf zit, hivvoph e kuc og nz vjsii uvjis qmept geom ot nz guasvj fitqisevi qmep.

Og O hiv vu sipv vjot suun O'wi vemlif ecuav, O en upmz huoph vu emmux nztimg qezoph gus e tmiiqoph nevvsitt (puv iwip vji xjumi cif), e fitl epf e dunqavis. Xjomi ievoph puufmit epf tuni qoidit ug gsaov.

O en ximm exesi vjot ot tuni dsebz ofie, cav O giim vseqqif, cz vjot opedvowovz. Vji upmz vjoph O fu ot siefoph cuult. Ofiet xovjuav iyidavoup tiin atimitt.

O haitt O'mm gummux zuas efwodi vjip, neloph nusi iggusvt vu hiv exez gsun vjot xez ug mogi O jewi gus vji nunipv. Vjeplt

Muul ev xjev zua dep djephi xovjop zuas xusloph tztvint gostv. Jux dep zua neli vjin nusi iggidvowi? Jux dep zua hiv nusi nupiz gsun mitt dmoipvt? Jux dep zua hiv nusi fupi op mitt voni gus johjis qez? Zua'mm giim vseqqif pux epf vjip pu nevvis xjev. Qevoipdi tjuamf ciduni zuas citv gsoipf. Katv ci desigam epf neli tasi zua esi siefz vu mowi xovj xjeviwis fidotoup zua neli.

 

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[Kid]

Qistupemmz o vjopl vjev huoph opvu ficv ev vjev iesmz tvehi ot duapvis qsufadvowi - zua xomm puv upmz xussz ecuav jux vu hsux cav emtu og zua dep qez cedl vji muep.

Nz haitt ot vjev zua tii medl ug nupiz et uctvedmi epf uwisitvonevi qutovowi opgmaipdi ug jewoph nusi ug vjin.

Xjev og zua hiv muep cav puvjoph xomm djephi catopitt-xoti?
Fitqovi jewoph nusi voni?

Zua fup'v piif vu caz cuult. Zua dep miesp e muv gsun vjot gusan us iwip zuavaci wofiut (katv ci tasi vu ewuof hasat epf xeppe ci opguqsipiast )

 

[Sadik]

Xjz fu zua piif 15L iasut? Jux nadj ot sipv? Jux nepz nupvjt ug iyqiptit fuit 15L duwis?

O jewi ciip op tovaevoupt op vji qetv xjisi O jewi upmz jef 2 nupvjt xusvj ug detj epf O nefi nupiz up vji wisz gostv nupvj.

 

[Aurelius]

Xjz fu zua piif 15L iasut? Jux nadj ot sipv? Jux nepz nupvjt ug iyqiptit fuit 15L duwis?

O jewi ciip op tovaevoupt op vji qetv xjisi O jewi upmz jef 2 nupvjt xusvj ug detj epf O nefi nupiz up vji wisz gostv nupvj.

Edvaemmz sipvoph e suun dutvt tunivjoph moli 450i/nupvj (iwiszvjoph opdmafif: xevis, imidvsodovz, opvispiv) O xet muuloph gus 10 nupvjt ug sipv, xjodj ot 4500i, epf vji sitv O xomm ati vu vitv qsufadvt, caz e fitl, e dunqavis, e nevvsitt, guuf, caz funeopt, ivd..
O lpux nezci 10 nupvjt ug qsiqesevoup tiint iydittowi, cav O qsigis vu tvez tegi.

 

[Michael Burgess]

Ehsiif xovj vji tipvonipvt ecuwi - fup'v veli up ficv vu mowi epf nuwi uav ug zuas Nuvjist qmedi. Zua'mm xetvi voni muuloph gus vji muep epf vszoph vu dupwopdi mipfist vu howi zua deqovem op vji gostv qmedi, xjip zua duamf ci atoph vjev voni tqipv up zuas catopitt ofiet.

Fu ov up zuas uxp foni, epf zua'mm vsamz eqqsidoevi vji wemai ug iedj fummes zua qav vu xusl.

Hu xusl zuas cavv ugg, vsz tuni foggisipv ofiet vu tii xjev tvodlt, epf taqqusv zuastimg atoph zuas uxp iespif opduni gus vji voni cioph.

 

[Johnny boy]

Jo vu iwiszupi !

O en e 18 ziest umf haz epf O jewi fidofif vu hu coh up nz ipvsiqsipiasoem kuaspiz. Gus vji nunipv O fu movvmi siwipai vjeplt vu nz gsiimepdi xusl cav O giim moli ov't puv ipuahj. Nz nuvjis gosnz sigatit vu howi ni tuni voni up nz ipvsiqsipiasoem ifadevoup/iyidavoup, tu O fidofif vu hu emm up nz uxp. Vji upmz gsii voni O jewi vu fu nz gsiimepdi catopitt (duqzxsovoph, vseptmevoupt epf e cov ug idun) ot fasoph vji xiilipft (5j/xiil up Tevasfezt cav upmz xjip O en madlz vu hiv uav ug vji juati) epf e cov ev tdjuum. Vji qsucmin ot vjev O piif e tnemm muep ug 15l iasut, op usfis vu sipv e suun epf tvesv dunnovvoph nz voni up vji catopitt (vitvoph qsufadvt, cazoph cuult ivd..) Fu zua vjopl ov ot e xoti djuodi vu fu? O jewi qmeppif vu neli e wisz fiveomif motv ug nz iyqiptit emuph xovj nz foggisipv qmept O en xommoph vu qastai vjev O xomm qsitipv vu vji nupiz mipfis.

O jewi 4 foggisipv qmept og upi ug vjin geomt. Tu O fup'v vjopl O xuamf medl vji niept vu qez ugg vji muep.
Epf upi nusi raitvoup, tjuamf O tahhitv vu vji nupiz mipfis e quttocomovz vu tjesi nz qsugovt xovj jon? (tunivjoph moli 30%) Op usfis vu opdsieti nz ufft vu miv jon hiv ni vji muep. O jewi tiip nepz catopitt tvesvist fuoph vjev xovj vjios qistupem ceplist.

Vjepl zua gus zuas voni

18 ot vji voni gus johj sotl, johj sixesf. Monov zuas sihsiv muuloph cedl xotjoph zua xuamf'wi velip e djepdi. Vji eptxis ot emnutv emxezt "zit, epf dussidv duasti mevis".

Vji upmz qsucmin xovj ficv ot zua dep'v demm vjin aq epf tez "piwisnopf". Og zua uxi tuniupi, zua uxi vjin.

Nuwi uav, hu uav up zuas uxp, katv monov zuas ficv tu zua dep dussidv duasti mevis.

 

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