Learn More About How to Finance Start-Ups

“People of the same trade seldom meet together, even for merriment and diversion, but the conversation ends in a conspiracy against the public, or in some contrivance to raise prices.”

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“People of the same trade seldom meet together, even for merriment and diversion, but the conversation ends in a conspiracy against the public, or in some contrivance to raise prices.”

By Adam Smith

One of the main problems of startups is the access to financing. Internet has encouraged the emergence of alternative methods that facilitate the acquisition of capital for the development of entrepreneurial business projects. And, although all forms of financing for startups are valid, not all will fit well with the needs of your project.

Business Angels, Confirming, Crowdlending, Factoring… There are several new forms of financing available to entrepreneurs.

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Business Angel

The business angels are people with sufficient economic resources and an eye for business, in constant search for projects and who usually play an active role in startups, contributing their know-how and contacts to generate a return in the medium term.


The confirming or the transfer of payments to suppliers, is a type of financial service in which the administrative management of payments to suppliers is transferred to the financial institution, allowing you to save management costs and dispose of that money, removing the interests and commissions of the entity before the expiration date.


Crowdfunding, also known as micro-patronage, is a type of collective financing normally collected online, whereby the entrepreneur requests financing from anyone who may be interested in their project in exchange for some type of consideration related to the project. , as its use for free.

It is one of the financing methods with the greatest projection. The number of platforms that facilitate contact between entrepreneurs and investors is increasing rapidly.


Crowdlending, or peer-to-business lending, connects companies seeking financing with investors looking for projects through specialized pages where companies offer higher returns or higher interest rates to investors.

Its application supposes a substantial saving of the financial costs for the companies and a greater return for the investors, for that reason it is one of the new routes of more extended financing.


Crowdsourcing is a type of financing based on outsourcing and micro-patronage in which the entrepreneur hires a specific service to a specialized professional through a marketplace.


Factoring is the assignment of the collection rights of commercial credits of a company in favor of a banking entity, who will be responsible for its management and will assume the risk of the operation in exchange of a commission and some interests, according to the time remaining until its expiration.

Under this modality, you will be able to collect your invoices, saving you the risk of the operation and the management of your recovery.

Financial leasing

Financial leasing is a type of renting involving three figures: the lessor, which is the leasing company that finances the asset; the lessee, which is the company that signs the leasing contract and uses it; and the distributor, who supplies the goods and collects the price of the fixed assets from the leasing company.

Leasing contracts allow you to use the equipment in exchange for a monthly cost, for a period ranging from 2 to 6 years for equipment goods, up to 10 days in the case of real estate. At the end of this period, you can return the good or pay the residual value and keep it.


It is a new form of micro-patronage in which entrepreneurs earn money in exchange for the reproduction of advertisements.


The renting or operative leasing is a type of rent that allows to make use of premises, vehicles, technologies and immobilized by means of a monthly payment.

In this type of contract, the figure of the distributor disappears, being the entity who puts at your disposal the equipment and collects monthly fees for its assignment. One of its advantages is that, generally, its costs include everything necessary for its operation, such as tax payments and maintenance and repair costs.

In addition, once the contract is finalized, you can exchange it for a contract with equipment of the same characteristics or keep it by paying the residual value, which usually coincides with its market value.