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How do investors and lenders evaluate your business viability?

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If you have a great idea for a business, you might need some external funding to turn it into reality. But before you approach investors or lenders, you need to convince them that your business is viable and worth their money. How do they evaluate your potential and risk? Here are some key factors that they consider.

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1 Your business plan

Your business plan is your roadmap to success. It shows how you will create, deliver, and capture value for your customers and stakeholders. Investors and lenders want to see a clear and realistic vision of your market, product, strategy, operations, finances, and goals. They also want to see how you will handle challenges and uncertainties. Your business plan should be well-researched, well-written, and well-presented.

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Zamir Tribelsky

President & CEO at AQOYA Technologies Ltd
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Almost Absulutely WRONG. Investors do not invest in business planning. They invest in people!. Yes, the more U/your TEAM is familiar with the numbers- the better it is 4ALL. But The passion The inventive progress Inventive step Commercial Applicability And most importantly, The knowhow, the dedication/ involvment & aspiration of the founders. These are by far more important. I have raised millions of dollars with simple Executive Summary. Most Investors are smart inough to understand that if the idea is good within the competitive landscape. If the founders are engaged and ready to take the forthcoming learning curves. Than they will invest. Busines planing documdntation can be made later on. Most deals are made between people.

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Oluwatomi Solanke

Founder/CEO at Trove Finance
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Your business plan also brings an idea to life. It causes you to think critically about the potential benefits and risks associated with your business idea. To an extent a good business model can help your business succeed even as execution is still the most important part in the scheme of things

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2 Your financial projections

Your financial projections are your estimates of how much money your business will make and spend over a certain period of time. They include your income statement, balance sheet, cash flow statement, and break-even analysis. Investors and lenders want to see that your projections are based on sound assumptions and data, and that they show a positive and sustainable cash flow. They also want to see how you will use their funds and what return they can expect.

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Ramiro J. Atristain-Carrion

Strategic Leader: Managing Director & CFO | Author | Educator | Humanitarian | Committed to Impact
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Investors evaluate the founders or the people that run a business and if closely examine a business or startup's financials (including income statements, balance sheets, and specially cash flow statements), they can assess your revenue growth, profitability, liquidity, and overall financial stability. Clear and transparent financial reporting is vital knowing that the lead reason why businesses fail (according to the SBA, 82% of small businesses fail due to cash flow problems).

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3 Your market validation

Your market validation is your evidence that there is a real demand and need for your product or service. It shows how you have identified, segmented, and targeted your customers, and how you have tested and validated your value proposition and business model. Investors and lenders want to see that you have a large and growing market, that you understand your customers' pain points and preferences, and that you have a competitive advantage and differentiation.

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Oluwatomi Solanke

Founder/CEO at Trove Finance
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Without market validation, you're just guessing whether people will actually pay for what you're selling. It’s important to validate your idea early in the entrepreneurial process to ensure you don’t waste time and resources creating a product that isn’t a good fit. Without any type of market validation you’re pretty much taking a shot in the dark, there really is no direction or destination and sometimes that is the difference between successful companies and those who perform poorly

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4 Your team and skills

Your team and skills are your human capital and resources. They show how you have assembled, trained, and motivated your co-founders, employees, advisors, and partners. Investors and lenders want to see that you have a diverse and complementary team, that you have the relevant skills and experience, and that you have a strong culture and leadership. They also want to see how you will recruit, retain, and reward your team.

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5 Your traction and milestones

Your traction and milestones are your proof of progress and achievements. They show how you have developed, launched, and scaled your product or service, and how you have acquired, retained, and satisfied your customers. Investors and lenders want to see that you have a working prototype or minimum viable product, that you have validated customer feedback and metrics, and that you have set and reached realistic and measurable milestones.

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6 Your exit strategy

Your exit strategy is your plan for how you will end your involvement with your business. It shows how you will sell, merge, or liquidate your business, and how you will return the capital and profits to your investors and lenders. Investors and lenders want to see that you have a clear and feasible exit strategy, that you have identified potential buyers or partners, and that you have a realistic valuation and timeframe.

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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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Tawheed Olayemi

Get Trade Tips & Tricks ?? I manage money for businesses to make profit
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The salient aspect of a business as a separate entity from its owner is that it needs personnel to run it. A solid business plan is a great way to land investment. What is investors truly back are the founder(s). So if you are looking for equity or debt for your business, one thing I've found to be helpful is that you need to SWEAT enough - have a vest interest in its success.

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How do investors and lenders evaluate your business viability?

1

2

3

4

5

6

7

1 Your business plan

2 Your financial projections

3 Your market validation

4 Your team and skills

5 Your traction and milestones

6 Your exit strategy

7 Here’s what else to consider

Entrepreneurship

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How do investors and lenders evaluate your business viability?

1

2

3

4

5

6

7

1 Your business plan

2 Your financial projections

3 Your market validation

4 Your team and skills

5 Your traction and milestones

6 Your exit strategy

7 Here’s what else to consider

Entrepreneurship

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