Crowdfunding – gräsrots- eller folkfinansiering på svenska – är ett växande fenomen. För den som är i behov av finansiering för att förverkliga sin affärsidé kan det också vara lockande att säkra kapitalbehovet, utan rigorösa kreditkontroller och utan att vara beroende av en enda, vänligt inställd bankchef.
Knepen som lockar gräsrotsfinansiärerna
Företagande
Vad göra om du har en fantastisk affärsidé, men saknar finansiering? Då kan crowdfunding vara en framkomlig väg. I en färsk avhandling visar Nadia Arshad på knepen för att locka de rätta finansiärerna.

Foto: Stock Adobe.
Någonting är fel
Du är inloggad som prenumerant hos förlaget Pauser Media, men nånting är fel. På din profilsida ser du vilka av våra produkter som du har tillgång till. Skulle uppgifterna inte stämma på din profilsida – vänligen kontakta vår kundtjänst.
Kvalitetsmagasinet premium
Läs vidare – starta din prenumeration
Redan prenumerant? Logga in och läs vidare.
Men vilka är intressenterna som är beredda att satsa pengar i en oprövad idé? Vad får de ut av det?
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


