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How do you access and evaluate different sources of finance for your agribusiness projects?

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Financing your agribusiness projects can be challenging, especially if you have limited resources, cash flow, or collateral. However, there are various sources of finance that you can access and evaluate to find the best fit for your goals, needs, and risks. In this article, we will discuss some of the common types of finance for agribusiness, how to assess their advantages and disadvantages, and how to prepare a convincing business plan to secure funding.

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Henry Berman

Chief Customer Engagement Officer | Sales and Cultivation Expertise

1 Internal finance

Internal finance refers to the money that you generate from your own operations, such as sales, savings, or reinvested profits. This is usually the cheapest and easiest source of finance, as you do not have to pay interest, fees, or share ownership with external parties. However, internal finance may not be sufficient or available for large-scale or long-term projects, and it may reduce your liquidity or working capital.

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Sola Ojo (SPMIIM, FMD Pro I, BeCrop Advisor)

Country Manager - Partnership and Sales - Nigeria
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Though internal finance has little potentials for large business start-ups, it is recommended or starters, who may still require hands-holding mentorship and coaching to scale up. The risk is also limited to the business owner as much as possible.

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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Importante notar que deve existir um balan?o saudável entre as finan?as internas e externas, afim de se obter um nível de endividamento adequado para cada cenário de mercado.

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Samuel HATAYA

Office Coordinator at ZuniZeph Office & IT Supplies | Commission Sales Agent | Entrepreneur | Aspiring Agriculturist
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"Exploring Finance Options in Agribusiness: A Strategic Approach" In the world of agribusiness, accessing finance is vital for growth. Initially, internal funds sustain operations, but expansion often demands external sources. Debt finance, such as bank loans, offers immediate capital with repayment obligations. Equity finance involves selling a share of the business for investment, while grant finance provides non-repayable funds for specific projects. A well-crafted business plan guides decisions and attracts investors. By leveraging a mix of finance options, agribusinesses can thrive and expand sustainably.

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2 External finance

External finance refers to the money that you borrow or raise from outside sources, such as banks, investors, donors, or government agencies. This can help you access more funds, leverage your assets, or diversify your risks. However, external finance also comes with costs, obligations, and conditions that you have to meet, such as interest, repayment, equity, or reporting. Therefore, you have to carefully weigh the benefits and drawbacks of each option and choose the one that matches your capacity and expectations.

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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Hoje o mercado agro possui diversos meios de financiamentos externos. Desde os principais bancos, até Fintechs que possuem projetos de financiamentos voltados ao setor. Buscar entender qual é a necessidade atual deste financiamento irá nortear qual tipo de recurso contrair.

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3 Debt finance

Debt finance is a form of external finance that involves borrowing money from a lender, such as a bank, a microfinance institution, or a cooperative. The lender charges you interest and requires you to repay the principal and interest over a specified period. Debt finance can be secured or unsecured, depending on whether you have to provide collateral or not. Debt finance can help you fund your projects without giving up ownership or control, but it can also increase your debt burden and expose you to default or foreclosure risks.

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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é uma alternativa que pode ajudá-lo a financiar seus projetos sem abrir m?o da propriedade ou do controle, mas também pode aumentar seu fardo de dívidas e exp?-lo a riscos de inadimplência ou execu??o hipotecária.

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4 Equity finance

Equity finance is a form of external finance that involves selling a share of your business to an investor, such as an angel, a venture capitalist, or a crowdfunding platform. The investor provides you with capital in exchange for a percentage of ownership and profits. Equity finance can help you raise more funds, access expertise and networks, or share risks with your partners, but it can also dilute your ownership and control, create conflicts of interest, or limit your exit options.

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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O financiamento de capital próprio é o investimento feito pela empresa usando seus próprios recursos, seja dinheiro, ativos ou outros bens. Esse tipo de capital faz parte do Patrim?nio Líquido da companhia e pode ser proveniente do próprio empresário, de acionistas ou do lucro da empresa

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5 Grant finance

Grant finance is a form of external finance that involves receiving money from a donor, such as a foundation, a non-governmental organization, or a government agency. The donor gives you the money for a specific purpose or project, usually related to social or environmental impact. Grant finance can help you fund your projects without any repayment or equity obligations, but it can also be competitive, restrictive, or unpredictable, depending on the donor's criteria, preferences, or availability.

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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Essa modalidade de apoio financeiro consiste na aplica??o de recursos públicos n?o reembolsáveis (que n?o precisam ser devolvidos) diretamente em empresas, para compartilhar com elas os custos e riscos inerentes a tais atividades.

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6 Business plan

A business plan is a document that describes your agribusiness idea, goals, strategies, and financial projections. It is a crucial tool for accessing and evaluating different sources of finance, as it helps you demonstrate your feasibility, viability, and attractiveness to potential funders. A good business plan should include the following elements: an executive summary, a market analysis, a product or service description, a marketing and sales plan, an operational plan, a management and organizational plan, a financial plan, and a risk analysis.

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Henry Berman

Chief Customer Engagement Officer | Sales and Cultivation Expertise
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In addition to a business plan, having a pro forma is almost a must have.. If you are seeking large amounts of capital consider hiring an attorney to help you put a PPM(Private Placement Memorandum) together

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Marcos Davi Barbosa Gon?alves, MSc.

Coordenador de Opera??es com Commodities na BASF | MSc. em Agronegócio
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Um plano de negócios é um documento estruturado que descreve detalhadamente todos os aspectos de um empreendimento, desde sua vis?o e miss?o até sua opera??o prática e estratégias de crescimento. é essencialmente um guia que define os objetivos de negócios, identifica os recursos necessários, analisa o mercado e a concorrência, além de estabelecer estratégias para alcan?ar o sucesso.

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7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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Henry Berman

Chief Customer Engagement Officer | Sales and Cultivation Expertise
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Local Utility rebates for efficient equipment. essentially, this covers anything electrical particularly with efficient grow lights or efficient each factor are substantial rebate dollars to be had.. What are you dealing with the California commission or the New Jersey energy commission more than half of the states have electrical utility rebates it’s just a matter of understanding them one works a little differently because there’s so many companies out there. You can also look into tax incentives in addition to grants and rebates also fantastic way to subsidize your business..

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How do you access and evaluate different sources of finance for your agribusiness projects?

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1 Internal finance

2 External finance

3 Debt finance

4 Equity finance

5 Grant finance

6 Business plan

7 Here’s what else to consider

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