你创业需要多少钱?
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创业需要多少钱（二）
How much money do you need to start a business?
2022-04-09
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网友：0美元就可以创业。以下是一些例子：开始联盟营销。你只需在亚马逊或其他在线市场上创建指向产品的链接，无论何时有人点击并购买，你就可以赚钱。洗车—带上两个桶、一些肥皂和毛巾，在你所在的地区提供洗车服务......
正文翻译
How much money do you need to start a business?
你创业需要多少钱?
你创业需要多少钱?
评论翻译
Theodore Whyte, Experience in starting and growing businesses
Theodore Whyte, 有创业和扩大业务的经验
$0. You can bootstrap a business. Here are some examples:
start affiliate marketing. You simply create lixs to products on Amazon or other online markets and whenever someone clicks it and make a purchase you earn.
car wash. Grab two buckets, some soap, and towels and offer to wash cars in your area.
Amazon publishing. If you have a book you’d like to write you can publish it on Amazon for free and earn royalty for each sale. They handle the printing and shipping. You can also create low content books such as journals and notebooks.
0美元就可以创业。以下是一些例子：
开始联盟营销。你只需在亚马逊或其他在线市场上创建指向产品的链接，无论何时有人点击并购买，你就可以赚钱。
洗车—带上两个桶、一些肥皂和毛巾，在你所在的地区提供洗车服务。
亚马逊出版公司。如果你想写书，你可以在亚马逊上免费出版，一旦销售你就可以获得版税。他们负责印刷和运输，你还可以创建没啥涵量的书籍，如日记和笔记本。
Gordon Miller, Entrepreneur and Investor
戈登·米勒，企业家和投资者
My middle son started his first business with $3 of his savings.
My middle son asked for a snow cone machine for his birthday at age 11. He invested in $3 of supplies for the flavored syrup, got some ice and and was open for business. In 1 hour he sold 33 snow cones for $1 each and made $33. That is a 100% return on capital in 1 hour and a 10x return on investment. Keep in mind that he is 11 years old and just made $30 in 1 hour. How many of you will make $30 in 1 hour today?
On paper, this is still the highest producing return of any investment I have ever made. $50 for the machine and a lifetime of business success for my son… and the snow cones were yummy.
我的二儿子开始他的第一笔生意用积蓄的 3 美元。
我的二儿子 11 岁生日时要了一台雪糕筒机。他投资 3 美元添置调味糖浆用品，买了一些冰，然后开始营业。 在 1 小时内，他以每个 1 美元的价格卖出了 33 个雪糕筒，赚了 33 美元。 即 1 小时内投资回报率和 10 倍的投资回报率。 请记住，他今年 11 岁，1 小时内赚了 30 美元。 今天有多少人在 1 小时内会赚到 30 美元？
在理论上，这仍然是我做过的任何投资中回报率最高的投资。 50美元买了台机器，给我儿子带来了一生的商业成功，而且雪糕很好吃。
Adam Fayed, Founder of Global Online Financial Advisory Firm
Adam Fayed，全球在线金融咨询公司创始人
It depends what kind of business. In some industries, for example capital and labour intensive ones, or ones that need a very expensive license on day one, you do need a lot of money.
Yet there are loads of businesses that need close to zero money.
The internet has been a game changer here. Think of any industry and most can be done online at a fraction of the cost of traditional businesses.
In this case, you just need experience and a well defined plan.
The world class lawyer who already has clients and lives in an area where getting a license is cheap, can start easily.
A world class real estate professional who already knows how to sell houses doesn’t usually need a lot to get started.
I know I didn’t need a lot to get started.
这取决于什么样的生意。在某些行业，例如资本和劳动密集型行业，或者那些第一天就需要办理非常昂贵的许可证的行业，你确实需要很多钱。
然而，仍有量企业需要的资金接近零。
互联网已经改变了这里的游戏规则。想想任何一个行业，大多数都可以在网上完成，成本仅为传统企业的一小部分。
在这种情况下，你只需要经验和明确的计划。
世界级的律师已经有了客户，而且在他生活的地区花费很少就可获得许可证，可以很容易地开始工作。
一个已经知道如何出售房屋的世界级房地产专业人士，通常不需要太多时间就可以开始工作。
我知道我不需要太多就可以开始了。
In this case all you need is
Experience. Get good at something for at least five years. Of course, experience in an industry, ideally services, which doesn’t need loads of start up capital.
Make it an online business
Also, it is better to start small even if you have loads of capital. If you are starting your own business, it is better to focus on your existing clients, experience, revenue sources etc.
What is the more productive activity on day one of starting a new business?
To call a former client if that doesn’t go against the NDA, or spend a fortune on ads? The answer is obvious in most industries at least.
The problem is, too many people are looking to start sexy business with loads of venture capital money.
Some have never build up something organically. Yet if you learn how to do that, then you can actually better use capital and are less likely to waste it.
In other words, if a business has already grown very nicely organically and from free or cheap sources, money can add fuel to the fire.
You are already adding money to a winning formula. I know one guy who has made a lot from Facebook leads.
Yet he spent two years building up a Facebook page organically and then used money to go to the next level.
In comparison, throwing money at a problem isn’t always the best option.
在这种情况下，您所需要的是
经验—至少在五年内精通某件事。当然，在一个不需要大量启动资金的行业（最好是服务业）去获得经验。
让它成为一项在线业务
此外，即使你有大量资金，也最好从小处着手。如果你自己创业，最好专注于现有客户、经验、收入来源等。
在创业的第一天，哪种活动效率更高？
在不违反保密协议的情况下给前客户打电话，或者在广告上花一大笔钱?至少在大多数行业，答案是显而易见的。
问题是，太多的人想要用大量的风险投资资金来启动有吸引力的业务。
有些人从来没有有机地建立起某种东西。然而，如果你学会了如何做到这一点，那么你实际上可以更好地利用资本，而且不太可能浪费它。
换言之，换句话说，如果一项业务已经从免费或廉价资源中很好地成长起来，那么资金可以起到推波助澜的作用。
你已经在为一个制胜之道追加资金了。我认识一个人，他从Facebook的销售线索中赚了很多钱。
然而，他花了两年时间有机地建立了一个有机性的Facebook页面，然后用钱进入了下一个层次。
相比之下，花钱解决问题并不总是最好的选择
Damian Kowalski, studied at Zespó? Szkol Mechanicznych W Elblagu
To start bussiness online, very often you don’t need money at all.
You just need time, dedication, and desire to learn and create valuable content on social media.
For normal bussiness you need investment almost always.
The amount of investment is different and it depends on scale of bussiness, type of bussiness and number of people you want to hire to your bussiness.
Best option is to start online bussiness.
Why???
Low investment in comprasion to normal bussiness, more possibilities at the beginning, easier scaling, possibility to hire people from around the world.
在网上创业，通常是根本不需要钱的。
你需要的只是时间、奉献和在社交媒体上学习和创造有价值内容的欲望。
对于正常的生意来说，你几乎总是需要投资。
投资的金额是不同的，这取决于业务规模、业务类型以及你希望雇佣的员工数量。
最好的选择是开始网上业务。
为什么？
对正常业务的整合投资较低，一开始就有更多的可能性，更容易扩展，有可能从世界各地招聘人员。
Amina Shah, Managing Director (2012-present)
Amina Shah，董事总经理(2012年至今)
Well, you should set aside at least six months of living expenses before quitting your day job and running a startup. That's because it'll take a while — at least six months — before enough money comes in to begin paying yourself a salary.
For some businesses you don’t even need a cash.
You can start working as a freelancer and earn a good amount depending on your skill.
The money depends on the type of business you want to start. Every business has different operating cost.
嗯，你应该在辞掉你的日常工作并经营一家初创公司之前，留出至少六个月的生活费。这是因为需要一段时间—至少六个月—才能有足够的钱开始给自己发工资。
有些企业甚至不需要现金。
你可以作为一名自由职业者开始工作，并依靠你的技能赚取大量收入。
资金的多少取决于你想创业的类型。每个企业都有不同的运营成本。
Ryan Pandya, Cofounder & CEO at Perfect Day
Ryan Pandya, Perfect Day的联合创始人兼首席执行官
It’s better to think in terms of time than absolute bank balance, since spending patterns vary widely across categories and different stages of a company.
Fundraising can take months - the most important thing is that you have enough on hand to continue paying salaries, rent, and whatever other critical pieces are needed for your business, until you can either complete your next financing event, or begin generating operating revenue to support the business moving forward.
In general, try to shift your thinking from “absolute quantities” to “rates of change over time”. We tend to do more budgeting based on monthly inflows and outflows. This type of mindset is also stronger when setting and tracking goals, too.
考虑时间比绝对银行余额更好，因为支出模式在公司的不同类别和不同阶段有很大差异。
筹款可能需要几个月的时间——最重要的是，你手头有足够的钱继续支付薪水、租金，以及业务所需的任何其他关键部分，直到你可以完成下一次融资活动，或开始产生营业收入，以支持业务向前发展。
总的来说，试着把你的思维从“绝对量”转移到“随时间变化的速率”。我们倾向于根据每月的资金流入和流出来做预算。这种心态在设定和跟踪目标时也会更强烈。
Stacey Ruth, Business Spirituality Change Advocate | Speaker | Author
Your question scares me just a little bit. Depending on who you ask, 66–90% of businesses fail in the first 2 years, regardless of the up front investment. I agree with everyone already stating here that your start up investment depends on the business. But what will it take to sustain it? How long will it take you to turn a profit?
What scares me is that you are asking a common question (and thank you for asking it!), which demonstrates how little most of new entrepreneurs actually understand about starting and running a business. We are doing a horrible job of teaching this stuff! There is a romanticized notion that, “If I build it they will come (and pay me for it),” and nothing could be further from the truth. I’ve started three companies now, and each one required very little investment, but a heck of a lot of skill, time and stress to move the needle.
All the suggestions offered so far have been excellent, well thought out, and in most cases, extremely accurate and helpful - once you know what you are selling, and why you are selling it.
However, if you are looking at your business solely from a money to launch (without ever clarifying what type of business) you absolutely will not have the grit or passion to stick with it.
If all you want is the income, and you don’t care how much you make, there are plenty of side hustles. Better to ask - “Do I have what it takes to focus on this and is it a nice idea, or does it matter enough to me to stick with it?”
你的问题让我有点害怕。取决于你问谁，66–90%的企业无论前期投资如何在头两年内失败。我同意大家已经说过的，你的创业投资取决于企业。但需要什么来维持呢？你需要多长时间才能盈利？
让我害怕的是你问了一个常见的问题（谢谢你问！），这表明，大多数新创业者实际上对创业和经营了解甚少。我们在教这些东西方面做得很糟糕！有一种浪漫化的观念，“如果我建造了它，他们会来（并为它付钱），”没有什么比这更离谱了。我现在已经创办了三家公司，每一家都只需要很少的投资，但需要大量的技能、时间和压力来运作。
到目前为止，所有提供的建议都是优秀的、经过深思熟虑的，而且在大多数情况下都非常准确和有用——只要你知道自己在卖什么，以及为什么要卖。
然而，如果你仅仅从一笔钱的角度来看待你的业务（而没有阐明什么类型的业务），你绝对没有勇气或激情坚持下去。
如果你想要的只是收入，而你不在乎自己挣多少钱，那就有很多副业。最好问问——“我是否有足够的精力去专注于这个想法，它是否是个好主意，或者它对我来说是否足够重要以至于我能够坚持下去?”
Tolulope Okuselu, C.E.O (2020-present)
Tolulope Okuselu，首席执行官(2020年至今)
Money!! Has different names to different people and uses.
Right from the Outset, money is simply known as money, however with time, and with high intelligency given to man, money has earned different names:
So let's start from here>
Money given by an intending spouse to the order is called dowry
Money given to influence peoples opinion about something is called bribe
Money given for no reason or to show affection is called gift
Money given for work done at the end of the month is called salary or wages
Money given to start business is called Capital
The list is more than the above, but I hope have been able to answer your question!!!
钱对不同的人和用途就有不同的名称。
从一开始，金钱就被简单地称为金钱，然而随着时间的推移，随着人类的高度智能，金钱已经有了不同的名字：
让我们从这里开始：
未来的配偶称其为嫁妆；
用来影响人们对某事的看法的钱被称为贿赂；
没有理由或为了表达爱意而给予的钱被称为礼物；
为月末完成的工作而支付的钱称为工资；
用来创业的钱叫做资本；
清单不止上述这些，但我希望已经能够回答你的问题！！！
Pek Pongpaet, product advisor to Silicon Valley startups, creator of Pictacular - TIME Magazine Best 50 Websites 2013
Pek Pongpaet，硅谷创业公司的产品顾问，Pictacular - TIME杂志2013年最佳50个网站的创建者
Depends entirely on the type of small business. I’ve know people who’ve opened restaurants that required high six figure investments. I personally started by own software development agency with no real savings. I just used the profits from the services I provided to hire contractors and employees. We grew very slowly but eventually, after 5 years, we’re around 40 people and one of the most recognized small app development firms in the San Francisco Bay area.
In general, I think are a few types of small businesses, and the type largely determines the capital requirements. If I wanted to open a small restaurant, I would need money for the retail location, equipment, food, beverage and labor. To start one would require permits and licenses and time to open up the restaurant and get it up to code. There are other types of small businesses like law firms, ad agencies, marketing agencies, where pretty much the only thing that is required is a computer and a list of clients and a lot of hustle.
完全取决于小企业的类型。我认识一些人，他们开的餐馆需要高达六位数的投资。我是靠自己的软件开发机构开启业务的—不要准备啥储蓄。我只是用我提供的服务的利润来雇佣承包商和员工。我们的成长非常缓慢，但最终，在5年后，我们在旧金山湾地区拥有40人和最受认可的小型应用开发公司。
总的来说，我认为小企业有几种类型，它们的类型在很大程度上决定了资本要求。如果我想开一家小餐馆，我需要钱来支付经营场所、设备、食物、饮料和劳动力的开支。开办一家餐厅需要许可证、执照和时间，才能开业并达到规范要求。还有其他类型的小企业，如律师事务所、广告公司、营销公司，在这些企业，几乎只需要一台电脑、一份客户名单，然后拼命干活就行。
Ahmed Amine Boustani, former Software Engineer at Hidden Founders (2017-2018)
It all depends on what kind of business, how small you want to start, the regulations regarding that product/service in your country, and who is your target.
For one of my trivial classes, we had to do a business plan for a start up. My teammates and I did our best to keep the idea simple, so we decided to hypothetically start a tea shop in Casablanca, Morocco. Even though we tried our best to take the cheapest options that offer the best quality, we ended up allocating a budget of over 3 million MAD (around 300,000 $), which is too much for a starting “small” business, contrary to what we were hoping for.
My point is, you will have to do a lot of research concerning how much each detail costs and keep only the products/services that you can’t put off until later. Even though you think that a business is “small”, the accumulation of costs for the product, the building(s), and the services might add up to a substantial amount.
这完全取决于什么样的企业，你想从多小开始，你所在国家关于该产品/服务的规定，以及你的目标是谁。
在我的一节琐碎的课上，我们要做一个创业的商业计划。我和我的队友尽了最大努力让这个想法简单化，所以我们决定假设在摩洛哥的卡萨布兰卡开一家茶馆。尽管我们尽了最大努力，选择最便宜、质量最好的方案，但我们最终还是分配了超过约30万美元的预算，这对于一个刚刚起步的“小”企业来说太多了，这与我们的期望相反。
我的观点是，你必须对每个细节的成本进行大量研究，只保留那些不能推迟到以后的产品/服务。即使你认为一个企业够“小”，产品、建筑和服务的成本累积可能会达到相当大的数额。
Irwin Dsouza, Business Owner at Complete Solutions (1986-present)
If i told you that one does not require MONEY to start a business would you believe me-yet look around you & you would see the under :
a.Google has NO FACTORY & never buys any office property -yet is one of the largest companies on Planet Earth ?
b.Apple that sells electronic devices OWNS NO FACTORY & is one of the largest sellers of smartphones & computing devices-yet is one of the largest companies on Planet Earth ?
c.Does Amazon own factories & godowns & office -everything is rented & outsourced-yet there are BILLION of items they sell-yet is one of the largest companies on Planet Earth ?
d. Does UBER buys cars &own cars? It does more than a MILLION trips daily & is the world’s largest transportation firm on Planet EATH
Hope my answer assists & all the best to you and your family
如果我告诉你创业不需要钱，你会相信我吗？环顾四周，你会看到下面的例子：
a、 谷歌没有工厂，也从未购买过任何办公楼——但它是地球上最大的公司之一吗；
b、 销售电子设备的苹果没有工厂，是最大的智能手机和计算设备销售商之一，但它是地球上最大的公司之一；
c、 亚马逊是否拥有工厂、货仓和办公室——所有东西都是出租和外包的，但他们销售的商品却有10亿件，而且是地球上最大的公司之一；
d、 优步是否购买汽车并拥有汽车？它每天的行程超过100万次，是地球上最大的运输公司；
希望我的回答能对你和你的家人有所帮助
Christie Fox, B. S. Business, Lake Erie College (1985)
each business is different. To find out for your own you’d have to do a five year business plan. It’s better to work elsewhere while you’re doing your startup and keep your own name quiet because some employers don’t like it if you also have a business, but you need that money coming in because a business doesn’t have a little profit until it’s been going a few years, and then you should make a good profit by the fifth year or else close up shop.
每项业务都是不同的。要想自己找到答案，你需要做一个五年的商业计划。创业的时候最好在别处工作，不要公开自己的名字，因为有些雇主不喜欢你上班的同时做生意，但你需要钱，因为生意要几年才能有一点利润，然后你应该在第五年赚到一大笔钱，否则就关门大吉了。
Khawaja Saud Masud, Advised SV startups on Investor Relations and Corporate Finance matters
Typical approaches to raising capital are as follows:
Bootstrap business using personal savings or income.
Tap into personal asset sale including for example, car, land, electronics, jewelry, etc.
Reach out to friends and family members for loans.
Issue equity to friends and family members instead of loan.
Seek small business loans from banks and lending institutions. You will likely have to place some of your assets as collareal.
Pitch your idea to venture capital investors and negotiate required capital for a %age of equity in your business.
Engage large companies and multinationals with potential interest in your idea and see if they can fund your idea directly or indirectly.
Contact incubators and apply for inclusion in their cohort plans. If approved you will likely receive both financial and managerial support to launch your business.
Share your social enterprise idea, if applicable, with NGOs as some may agree to fund preliminary stages of idea implementation .
As you can see, virtually every party you engage to raise capital you will require a well structured business plan. This includes answers to key questions. As in why your idea makes sense and why would customers pay and why your team is best positioned to take advantage of the opportunity? How big is the overall opportunity? How should investors expect to benefit from the investment over what period? What are the key risks to your idea and in turn their invested capital and how do you intend to mitigate these risks?
筹集资金的典型方法如下：
使用个人储蓄或收入以便最小投入去创办企业。
利用出售个人资产筹集资金，包括出售汽车、土地、电子产品、珠宝等。
向朋友和家人寻求贷款。
向朋友和家人发行股权，而不是贷款。
向银行和贷款机构寻求小企业贷款。你可能得把你的一些资产作为抵押品。
向风险投资投资者推销你的想法，并就你企业中部分股权比例与所需资本进行协商。
与可能对你的想法感兴趣的大公司和跨国公司接触，看看他们是否能直接或间接地资助你的想法。
联系孵化器并申请纳入其队列计划。如果获得批准，你很可能会得到财务和管理方面的支持来启动你的业务。
如果适用，与非政府组织分享你的社会企业想法，因为有些人可能会同意在想法实施的初步阶段资助。
正如你所看到的，几乎你参与的每一方筹集资金都需要一份结构良好的商业计划。这包括对关键问题的回答。比如为什么你的想法有意义，为什么客户会付费，为什么你的团队最适合利用这个机会？整体机会有多大？投资者应该如何从投资中获益？你的想法及其投资资本的关键风险是什么？你打算如何降低这些风险？
Diane Kowalczyk, Founder/owner/sole Operator of Virtual Print Shop at BK Designworks LLC (2005-present)
Depends on the type of business to be started, plus a ton of other factors.
Employees? Insurance? Production and office equipment? Vehicle? Overhead? Location? On line? Store front? Marketing? Training? What do you know? What are your skills? Need a bookkeeper? Lawyer? Financial adviser? CPA? Payroll? Investments? Some businesses can be started with next to no money, while others need a truckload. When I founded my print shop 15 yrs ago I had nothing but mad skills, a desire to do things differently than at my previous job, and healthy Christmas bonus. I took an Entrepreneur 101 course at a community college and got some direction. Found a good rental space in an excellent area. Saved a ton by getting most desks, file cabinets, office chairs and some office supplies free thanks to a friend who knew of a company (Comcast) that was moving its branch, but tossing most of its contents. I also had a town recycle/landfill pass as a resident, and frequented their “Swap Shack.” Picked up more file cabinets, a small toaster oven, storage bins, file folders, and more. Doing that meant I had more $$ available for other things. But first, decide what you want to do, what can you offer that people need, how much income do you need to generate in order to support your business? and where’s your competition? Build an outline, make your pro/con lists, figure out where your resources are, and what you need from them? Figure a plan, a strategy, and a mission… Don’t worry, all those can and will be revised as you grow. Point is To Begin with a plan and direction. That will help you figure out your budget
这取决于要开始的业务类型，再加上大量其他因素。
员工？保险费？生产和办公设备？交通工具？开销？位置？在线？店面？市场营销？训练？你知道什么？你的技能是什么？需要会计员吗？律师？财务顾问？注册会计师？工资？投资？有些企业几乎没有钱就可以创业，而另一些企业则需要大量的资金。15年前，当我创办印刷店时，我只有狂热的技能，渴望做与前一份工作不同的事情，以及可观的圣诞奖金。我在一所社区学院学习了企业家101课程，并获得了一些指导。在一个很好的区域找到了一个很好的出租房屋。感谢一位朋友，他知道一家公司（Comcast）正在搬迁其分支机构，但大部分东西都被扔掉了。但是把里面的东西都扔了。作为居民，我也有一张城镇回收/垃圾填埋场通行证，经常去他们的“交换小屋”。捡了更多的文件柜，一个小烤箱，储藏箱，文件夹，和更多可用之物。这样做意味着我有更多的钱用于其他事情。但首先，决定你想做什么，你能为人们提供什么?你需要多少收入来支持你的生意？你的竞争对手呢？你的竞争对手呢?列一个提纲，列出利弊清单，找出你的资源在哪里，以及你需要从这些资源中得到什么？制定一个计划、一个战略和一个任务……别担心，所有这些都会随着你的成长而改变。重点是要从计划和方向开始。这将帮助你计算出你的预算。
Balaji SV, An avid blogger who writes about Business and Living.
NOTE: This is not my answer, It is an experts opinion.
Money is the last thing you want to know about.. But i’ll answer it in hand before
Invest what you have in addition to your needs. If you don’t have anything, Wait….. look for a job on the same field or from any other field. Gain some money. Be frugal enough. Because “the money you save is the money you are gonna invest”. Don’t depend on loans.
Have a large number of contacts of people of the same business you are about to start. Don’t discuss anything about money. Everything is about learning. Learn from them. Look around your world. Mix your own ideas. Start from what you have. Don’t plan for a large startup. Just a small business can grow as course of time, as we have grown from our childhood. Don’t plan for huge profit… look for the benefit of people. Because they are the one who is going to give you money. So the profit comes automatically. Be careful in how you are different from other people of the same business. All the best.. :)
注：这不是我的答案，这是专家的意见。
金钱是你最后去考虑的事情，但我会先回答这个。
投资你除了需求之外的一切。如果你什么都没有，请等待，先找一份同一领域或其他领域的工作。赚些钱，要足够节俭。因为“你存的钱就是你要投资的钱”—不要依赖贷款。
与你即将开始的同一行业的人进行大量的联系。不要谈论任何有关金钱的事情，一切都与学习有关，向他们学习。环顾你的世界。混合你自己的想法。从你拥有的开始。不要为大型初创企业做计划。随着时间的推移，一个小公司可以随着时间的推移而成长，这就像我们都是从小孩开始长大一样。不要为巨额利润做计划，要为人民谋福利，因为他们会给你钱。所以利润是自动产生的。注意你与同行业的其他人的不同之处，祝你一切顺利。
原文地址：
Theodore Whyte, 有创业和扩大业务的经验
$0. You can bootstrap a business. Here are some examples:
start affiliate marketing. You simply create lixs to products on Amazon or other online markets and whenever someone clicks it and make a purchase you earn.
car wash. Grab two buckets, some soap, and towels and offer to wash cars in your area.
Amazon publishing. If you have a book you’d like to write you can publish it on Amazon for free and earn royalty for each sale. They handle the printing and shipping. You can also create low content books such as journals and notebooks.
0美元就可以创业。以下是一些例子：
开始联盟营销。你只需在亚马逊或其他在线市场上创建指向产品的链接，无论何时有人点击并购买，你就可以赚钱。
洗车—带上两个桶、一些肥皂和毛巾，在你所在的地区提供洗车服务。
亚马逊出版公司。如果你想写书，你可以在亚马逊上免费出版，一旦销售你就可以获得版税。他们负责印刷和运输，你还可以创建没啥涵量的书籍，如日记和笔记本。
Gordon Miller, Entrepreneur and Investor
戈登·米勒，企业家和投资者
My middle son started his first business with $3 of his savings.
My middle son asked for a snow cone machine for his birthday at age 11. He invested in $3 of supplies for the flavored syrup, got some ice and and was open for business. In 1 hour he sold 33 snow cones for $1 each and made $33. That is a 100% return on capital in 1 hour and a 10x return on investment. Keep in mind that he is 11 years old and just made $30 in 1 hour. How many of you will make $30 in 1 hour today?
On paper, this is still the highest producing return of any investment I have ever made. $50 for the machine and a lifetime of business success for my son… and the snow cones were yummy.
我的二儿子开始他的第一笔生意用积蓄的 3 美元。
我的二儿子 11 岁生日时要了一台雪糕筒机。他投资 3 美元添置调味糖浆用品，买了一些冰，然后开始营业。 在 1 小时内，他以每个 1 美元的价格卖出了 33 个雪糕筒，赚了 33 美元。 即 1 小时内投资回报率和 10 倍的投资回报率。 请记住，他今年 11 岁，1 小时内赚了 30 美元。 今天有多少人在 1 小时内会赚到 30 美元？
在理论上，这仍然是我做过的任何投资中回报率最高的投资。 50美元买了台机器，给我儿子带来了一生的商业成功，而且雪糕很好吃。
Adam Fayed, Founder of Global Online Financial Advisory Firm
Adam Fayed，全球在线金融咨询公司创始人
It depends what kind of business. In some industries, for example capital and labour intensive ones, or ones that need a very expensive license on day one, you do need a lot of money.
Yet there are loads of businesses that need close to zero money.
The internet has been a game changer here. Think of any industry and most can be done online at a fraction of the cost of traditional businesses.
In this case, you just need experience and a well defined plan.
The world class lawyer who already has clients and lives in an area where getting a license is cheap, can start easily.
A world class real estate professional who already knows how to sell houses doesn’t usually need a lot to get started.
I know I didn’t need a lot to get started.
这取决于什么样的生意。在某些行业，例如资本和劳动密集型行业，或者那些第一天就需要办理非常昂贵的许可证的行业，你确实需要很多钱。
然而，仍有量企业需要的资金接近零。
互联网已经改变了这里的游戏规则。想想任何一个行业，大多数都可以在网上完成，成本仅为传统企业的一小部分。
在这种情况下，你只需要经验和明确的计划。
世界级的律师已经有了客户，而且在他生活的地区花费很少就可获得许可证，可以很容易地开始工作。
一个已经知道如何出售房屋的世界级房地产专业人士，通常不需要太多时间就可以开始工作。
我知道我不需要太多就可以开始了。
In this case all you need is
Experience. Get good at something for at least five years. Of course, experience in an industry, ideally services, which doesn’t need loads of start up capital.
Make it an online business
Also, it is better to start small even if you have loads of capital. If you are starting your own business, it is better to focus on your existing clients, experience, revenue sources etc.
What is the more productive activity on day one of starting a new business?
To call a former client if that doesn’t go against the NDA, or spend a fortune on ads? The answer is obvious in most industries at least.
The problem is, too many people are looking to start sexy business with loads of venture capital money.
Some have never build up something organically. Yet if you learn how to do that, then you can actually better use capital and are less likely to waste it.
In other words, if a business has already grown very nicely organically and from free or cheap sources, money can add fuel to the fire.
You are already adding money to a winning formula. I know one guy who has made a lot from Facebook leads.
Yet he spent two years building up a Facebook page organically and then used money to go to the next level.
In comparison, throwing money at a problem isn’t always the best option.
在这种情况下，您所需要的是
经验—至少在五年内精通某件事。当然，在一个不需要大量启动资金的行业（最好是服务业）去获得经验。
让它成为一项在线业务
此外，即使你有大量资金，也最好从小处着手。如果你自己创业，最好专注于现有客户、经验、收入来源等。
在创业的第一天，哪种活动效率更高？
在不违反保密协议的情况下给前客户打电话，或者在广告上花一大笔钱?至少在大多数行业，答案是显而易见的。
问题是，太多的人想要用大量的风险投资资金来启动有吸引力的业务。
有些人从来没有有机地建立起某种东西。然而，如果你学会了如何做到这一点，那么你实际上可以更好地利用资本，而且不太可能浪费它。
换言之，换句话说，如果一项业务已经从免费或廉价资源中很好地成长起来，那么资金可以起到推波助澜的作用。
你已经在为一个制胜之道追加资金了。我认识一个人，他从Facebook的销售线索中赚了很多钱。
然而，他花了两年时间有机地建立了一个有机性的Facebook页面，然后用钱进入了下一个层次。
相比之下，花钱解决问题并不总是最好的选择
Damian Kowalski, studied at Zespó? Szkol Mechanicznych W Elblagu
To start bussiness online, very often you don’t need money at all.
You just need time, dedication, and desire to learn and create valuable content on social media.
For normal bussiness you need investment almost always.
The amount of investment is different and it depends on scale of bussiness, type of bussiness and number of people you want to hire to your bussiness.
Best option is to start online bussiness.
Why???
Low investment in comprasion to normal bussiness, more possibilities at the beginning, easier scaling, possibility to hire people from around the world.
在网上创业，通常是根本不需要钱的。
你需要的只是时间、奉献和在社交媒体上学习和创造有价值内容的欲望。
对于正常的生意来说，你几乎总是需要投资。
投资的金额是不同的，这取决于业务规模、业务类型以及你希望雇佣的员工数量。
最好的选择是开始网上业务。
为什么？
对正常业务的整合投资较低，一开始就有更多的可能性，更容易扩展，有可能从世界各地招聘人员。
Amina Shah, Managing Director (2012-present)
Amina Shah，董事总经理(2012年至今)
Well, you should set aside at least six months of living expenses before quitting your day job and running a startup. That's because it'll take a while — at least six months — before enough money comes in to begin paying yourself a salary.
For some businesses you don’t even need a cash.
You can start working as a freelancer and earn a good amount depending on your skill.
The money depends on the type of business you want to start. Every business has different operating cost.
嗯，你应该在辞掉你的日常工作并经营一家初创公司之前，留出至少六个月的生活费。这是因为需要一段时间—至少六个月—才能有足够的钱开始给自己发工资。
有些企业甚至不需要现金。
你可以作为一名自由职业者开始工作，并依靠你的技能赚取大量收入。
资金的多少取决于你想创业的类型。每个企业都有不同的运营成本。
Ryan Pandya, Cofounder & CEO at Perfect Day
Ryan Pandya, Perfect Day的联合创始人兼首席执行官
It’s better to think in terms of time than absolute bank balance, since spending patterns vary widely across categories and different stages of a company.
Fundraising can take months - the most important thing is that you have enough on hand to continue paying salaries, rent, and whatever other critical pieces are needed for your business, until you can either complete your next financing event, or begin generating operating revenue to support the business moving forward.
In general, try to shift your thinking from “absolute quantities” to “rates of change over time”. We tend to do more budgeting based on monthly inflows and outflows. This type of mindset is also stronger when setting and tracking goals, too.
考虑时间比绝对银行余额更好，因为支出模式在公司的不同类别和不同阶段有很大差异。
筹款可能需要几个月的时间——最重要的是，你手头有足够的钱继续支付薪水、租金，以及业务所需的任何其他关键部分，直到你可以完成下一次融资活动，或开始产生营业收入，以支持业务向前发展。
总的来说，试着把你的思维从“绝对量”转移到“随时间变化的速率”。我们倾向于根据每月的资金流入和流出来做预算。这种心态在设定和跟踪目标时也会更强烈。
Stacey Ruth, Business Spirituality Change Advocate | Speaker | Author
Your question scares me just a little bit. Depending on who you ask, 66–90% of businesses fail in the first 2 years, regardless of the up front investment. I agree with everyone already stating here that your start up investment depends on the business. But what will it take to sustain it? How long will it take you to turn a profit?
What scares me is that you are asking a common question (and thank you for asking it!), which demonstrates how little most of new entrepreneurs actually understand about starting and running a business. We are doing a horrible job of teaching this stuff! There is a romanticized notion that, “If I build it they will come (and pay me for it),” and nothing could be further from the truth. I’ve started three companies now, and each one required very little investment, but a heck of a lot of skill, time and stress to move the needle.
All the suggestions offered so far have been excellent, well thought out, and in most cases, extremely accurate and helpful - once you know what you are selling, and why you are selling it.
However, if you are looking at your business solely from a money to launch (without ever clarifying what type of business) you absolutely will not have the grit or passion to stick with it.
If all you want is the income, and you don’t care how much you make, there are plenty of side hustles. Better to ask - “Do I have what it takes to focus on this and is it a nice idea, or does it matter enough to me to stick with it?”
你的问题让我有点害怕。取决于你问谁，66–90%的企业无论前期投资如何在头两年内失败。我同意大家已经说过的，你的创业投资取决于企业。但需要什么来维持呢？你需要多长时间才能盈利？
让我害怕的是你问了一个常见的问题（谢谢你问！），这表明，大多数新创业者实际上对创业和经营了解甚少。我们在教这些东西方面做得很糟糕！有一种浪漫化的观念，“如果我建造了它，他们会来（并为它付钱），”没有什么比这更离谱了。我现在已经创办了三家公司，每一家都只需要很少的投资，但需要大量的技能、时间和压力来运作。
到目前为止，所有提供的建议都是优秀的、经过深思熟虑的，而且在大多数情况下都非常准确和有用——只要你知道自己在卖什么，以及为什么要卖。
然而，如果你仅仅从一笔钱的角度来看待你的业务（而没有阐明什么类型的业务），你绝对没有勇气或激情坚持下去。
如果你想要的只是收入，而你不在乎自己挣多少钱，那就有很多副业。最好问问——“我是否有足够的精力去专注于这个想法，它是否是个好主意，或者它对我来说是否足够重要以至于我能够坚持下去?”
Tolulope Okuselu, C.E.O (2020-present)
Tolulope Okuselu，首席执行官(2020年至今)
Money!! Has different names to different people and uses.
Right from the Outset, money is simply known as money, however with time, and with high intelligency given to man, money has earned different names:
So let's start from here>
Money given by an intending spouse to the order is called dowry
Money given to influence peoples opinion about something is called bribe
Money given for no reason or to show affection is called gift
Money given for work done at the end of the month is called salary or wages
Money given to start business is called Capital
The list is more than the above, but I hope have been able to answer your question!!!
钱对不同的人和用途就有不同的名称。
从一开始，金钱就被简单地称为金钱，然而随着时间的推移，随着人类的高度智能，金钱已经有了不同的名字：
让我们从这里开始：
未来的配偶称其为嫁妆；
用来影响人们对某事的看法的钱被称为贿赂；
没有理由或为了表达爱意而给予的钱被称为礼物；
为月末完成的工作而支付的钱称为工资；
用来创业的钱叫做资本；
清单不止上述这些，但我希望已经能够回答你的问题！！！
Pek Pongpaet, product advisor to Silicon Valley startups, creator of Pictacular - TIME Magazine Best 50 Websites 2013
Pek Pongpaet，硅谷创业公司的产品顾问，Pictacular - TIME杂志2013年最佳50个网站的创建者
Depends entirely on the type of small business. I’ve know people who’ve opened restaurants that required high six figure investments. I personally started by own software development agency with no real savings. I just used the profits from the services I provided to hire contractors and employees. We grew very slowly but eventually, after 5 years, we’re around 40 people and one of the most recognized small app development firms in the San Francisco Bay area.
In general, I think are a few types of small businesses, and the type largely determines the capital requirements. If I wanted to open a small restaurant, I would need money for the retail location, equipment, food, beverage and labor. To start one would require permits and licenses and time to open up the restaurant and get it up to code. There are other types of small businesses like law firms, ad agencies, marketing agencies, where pretty much the only thing that is required is a computer and a list of clients and a lot of hustle.
完全取决于小企业的类型。我认识一些人，他们开的餐馆需要高达六位数的投资。我是靠自己的软件开发机构开启业务的—不要准备啥储蓄。我只是用我提供的服务的利润来雇佣承包商和员工。我们的成长非常缓慢，但最终，在5年后，我们在旧金山湾地区拥有40人和最受认可的小型应用开发公司。
总的来说，我认为小企业有几种类型，它们的类型在很大程度上决定了资本要求。如果我想开一家小餐馆，我需要钱来支付经营场所、设备、食物、饮料和劳动力的开支。开办一家餐厅需要许可证、执照和时间，才能开业并达到规范要求。还有其他类型的小企业，如律师事务所、广告公司、营销公司，在这些企业，几乎只需要一台电脑、一份客户名单，然后拼命干活就行。
Ahmed Amine Boustani, former Software Engineer at Hidden Founders (2017-2018)
It all depends on what kind of business, how small you want to start, the regulations regarding that product/service in your country, and who is your target.
For one of my trivial classes, we had to do a business plan for a start up. My teammates and I did our best to keep the idea simple, so we decided to hypothetically start a tea shop in Casablanca, Morocco. Even though we tried our best to take the cheapest options that offer the best quality, we ended up allocating a budget of over 3 million MAD (around 300,000 $), which is too much for a starting “small” business, contrary to what we were hoping for.
My point is, you will have to do a lot of research concerning how much each detail costs and keep only the products/services that you can’t put off until later. Even though you think that a business is “small”, the accumulation of costs for the product, the building(s), and the services might add up to a substantial amount.
这完全取决于什么样的企业，你想从多小开始，你所在国家关于该产品/服务的规定，以及你的目标是谁。
在我的一节琐碎的课上，我们要做一个创业的商业计划。我和我的队友尽了最大努力让这个想法简单化，所以我们决定假设在摩洛哥的卡萨布兰卡开一家茶馆。尽管我们尽了最大努力，选择最便宜、质量最好的方案，但我们最终还是分配了超过约30万美元的预算，这对于一个刚刚起步的“小”企业来说太多了，这与我们的期望相反。
我的观点是，你必须对每个细节的成本进行大量研究，只保留那些不能推迟到以后的产品/服务。即使你认为一个企业够“小”，产品、建筑和服务的成本累积可能会达到相当大的数额。
Irwin Dsouza, Business Owner at Complete Solutions (1986-present)
If i told you that one does not require MONEY to start a business would you believe me-yet look around you & you would see the under :
a.Google has NO FACTORY & never buys any office property -yet is one of the largest companies on Planet Earth ?
b.Apple that sells electronic devices OWNS NO FACTORY & is one of the largest sellers of smartphones & computing devices-yet is one of the largest companies on Planet Earth ?
c.Does Amazon own factories & godowns & office -everything is rented & outsourced-yet there are BILLION of items they sell-yet is one of the largest companies on Planet Earth ?
d. Does UBER buys cars &own cars? It does more than a MILLION trips daily & is the world’s largest transportation firm on Planet EATH
Hope my answer assists & all the best to you and your family
如果我告诉你创业不需要钱，你会相信我吗？环顾四周，你会看到下面的例子：
a、 谷歌没有工厂，也从未购买过任何办公楼——但它是地球上最大的公司之一吗；
b、 销售电子设备的苹果没有工厂，是最大的智能手机和计算设备销售商之一，但它是地球上最大的公司之一；
c、 亚马逊是否拥有工厂、货仓和办公室——所有东西都是出租和外包的，但他们销售的商品却有10亿件，而且是地球上最大的公司之一；
d、 优步是否购买汽车并拥有汽车？它每天的行程超过100万次，是地球上最大的运输公司；
希望我的回答能对你和你的家人有所帮助
Christie Fox, B. S. Business, Lake Erie College (1985)
each business is different. To find out for your own you’d have to do a five year business plan. It’s better to work elsewhere while you’re doing your startup and keep your own name quiet because some employers don’t like it if you also have a business, but you need that money coming in because a business doesn’t have a little profit until it’s been going a few years, and then you should make a good profit by the fifth year or else close up shop.
每项业务都是不同的。要想自己找到答案，你需要做一个五年的商业计划。创业的时候最好在别处工作，不要公开自己的名字，因为有些雇主不喜欢你上班的同时做生意，但你需要钱，因为生意要几年才能有一点利润，然后你应该在第五年赚到一大笔钱，否则就关门大吉了。
Khawaja Saud Masud, Advised SV startups on Investor Relations and Corporate Finance matters
Typical approaches to raising capital are as follows:
Bootstrap business using personal savings or income.
Tap into personal asset sale including for example, car, land, electronics, jewelry, etc.
Reach out to friends and family members for loans.
Issue equity to friends and family members instead of loan.
Seek small business loans from banks and lending institutions. You will likely have to place some of your assets as collareal.
Pitch your idea to venture capital investors and negotiate required capital for a %age of equity in your business.
Engage large companies and multinationals with potential interest in your idea and see if they can fund your idea directly or indirectly.
Contact incubators and apply for inclusion in their cohort plans. If approved you will likely receive both financial and managerial support to launch your business.
Share your social enterprise idea, if applicable, with NGOs as some may agree to fund preliminary stages of idea implementation .
As you can see, virtually every party you engage to raise capital you will require a well structured business plan. This includes answers to key questions. As in why your idea makes sense and why would customers pay and why your team is best positioned to take advantage of the opportunity? How big is the overall opportunity? How should investors expect to benefit from the investment over what period? What are the key risks to your idea and in turn their invested capital and how do you intend to mitigate these risks?
筹集资金的典型方法如下：
使用个人储蓄或收入以便最小投入去创办企业。
利用出售个人资产筹集资金，包括出售汽车、土地、电子产品、珠宝等。
向朋友和家人寻求贷款。
向朋友和家人发行股权，而不是贷款。
向银行和贷款机构寻求小企业贷款。你可能得把你的一些资产作为抵押品。
向风险投资投资者推销你的想法，并就你企业中部分股权比例与所需资本进行协商。
与可能对你的想法感兴趣的大公司和跨国公司接触，看看他们是否能直接或间接地资助你的想法。
联系孵化器并申请纳入其队列计划。如果获得批准，你很可能会得到财务和管理方面的支持来启动你的业务。
如果适用，与非政府组织分享你的社会企业想法，因为有些人可能会同意在想法实施的初步阶段资助。
正如你所看到的，几乎你参与的每一方筹集资金都需要一份结构良好的商业计划。这包括对关键问题的回答。比如为什么你的想法有意义，为什么客户会付费，为什么你的团队最适合利用这个机会？整体机会有多大？投资者应该如何从投资中获益？你的想法及其投资资本的关键风险是什么？你打算如何降低这些风险？
Diane Kowalczyk, Founder/owner/sole Operator of Virtual Print Shop at BK Designworks LLC (2005-present)
Depends on the type of business to be started, plus a ton of other factors.
Employees? Insurance? Production and office equipment? Vehicle? Overhead? Location? On line? Store front? Marketing? Training? What do you know? What are your skills? Need a bookkeeper? Lawyer? Financial adviser? CPA? Payroll? Investments? Some businesses can be started with next to no money, while others need a truckload. When I founded my print shop 15 yrs ago I had nothing but mad skills, a desire to do things differently than at my previous job, and healthy Christmas bonus. I took an Entrepreneur 101 course at a community college and got some direction. Found a good rental space in an excellent area. Saved a ton by getting most desks, file cabinets, office chairs and some office supplies free thanks to a friend who knew of a company (Comcast) that was moving its branch, but tossing most of its contents. I also had a town recycle/landfill pass as a resident, and frequented their “Swap Shack.” Picked up more file cabinets, a small toaster oven, storage bins, file folders, and more. Doing that meant I had more $$ available for other things. But first, decide what you want to do, what can you offer that people need, how much income do you need to generate in order to support your business? and where’s your competition? Build an outline, make your pro/con lists, figure out where your resources are, and what you need from them? Figure a plan, a strategy, and a mission… Don’t worry, all those can and will be revised as you grow. Point is To Begin with a plan and direction. That will help you figure out your budget
这取决于要开始的业务类型，再加上大量其他因素。
员工？保险费？生产和办公设备？交通工具？开销？位置？在线？店面？市场营销？训练？你知道什么？你的技能是什么？需要会计员吗？律师？财务顾问？注册会计师？工资？投资？有些企业几乎没有钱就可以创业，而另一些企业则需要大量的资金。15年前，当我创办印刷店时，我只有狂热的技能，渴望做与前一份工作不同的事情，以及可观的圣诞奖金。我在一所社区学院学习了企业家101课程，并获得了一些指导。在一个很好的区域找到了一个很好的出租房屋。感谢一位朋友，他知道一家公司（Comcast）正在搬迁其分支机构，但大部分东西都被扔掉了。但是把里面的东西都扔了。作为居民，我也有一张城镇回收/垃圾填埋场通行证，经常去他们的“交换小屋”。捡了更多的文件柜，一个小烤箱，储藏箱，文件夹，和更多可用之物。这样做意味着我有更多的钱用于其他事情。但首先，决定你想做什么，你能为人们提供什么?你需要多少收入来支持你的生意？你的竞争对手呢？你的竞争对手呢?列一个提纲，列出利弊清单，找出你的资源在哪里，以及你需要从这些资源中得到什么？制定一个计划、一个战略和一个任务……别担心，所有这些都会随着你的成长而改变。重点是要从计划和方向开始。这将帮助你计算出你的预算。
Balaji SV, An avid blogger who writes about Business and Living.
NOTE: This is not my answer, It is an experts opinion.
Money is the last thing you want to know about.. But i’ll answer it in hand before
Invest what you have in addition to your needs. If you don’t have anything, Wait….. look for a job on the same field or from any other field. Gain some money. Be frugal enough. Because “the money you save is the money you are gonna invest”. Don’t depend on loans.
Have a large number of contacts of people of the same business you are about to start. Don’t discuss anything about money. Everything is about learning. Learn from them. Look around your world. Mix your own ideas. Start from what you have. Don’t plan for a large startup. Just a small business can grow as course of time, as we have grown from our childhood. Don’t plan for huge profit… look for the benefit of people. Because they are the one who is going to give you money. So the profit comes automatically. Be careful in how you are different from other people of the same business. All the best.. :)
注：这不是我的答案，这是专家的意见。
金钱是你最后去考虑的事情，但我会先回答这个。
投资你除了需求之外的一切。如果你什么都没有，请等待，先找一份同一领域或其他领域的工作。赚些钱，要足够节俭。因为“你存的钱就是你要投资的钱”—不要依赖贷款。
与你即将开始的同一行业的人进行大量的联系。不要谈论任何有关金钱的事情，一切都与学习有关，向他们学习。环顾你的世界。混合你自己的想法。从你拥有的开始。不要为大型初创企业做计划。随着时间的推移，一个小公司可以随着时间的推移而成长，这就像我们都是从小孩开始长大一样。不要为巨额利润做计划，要为人民谋福利，因为他们会给你钱。所以利润是自动产生的。注意你与同行业的其他人的不同之处，祝你一切顺利。
很赞哦！ ()
