Impact investing was created to revolutionize capital markets. Instead, we are replicating them. This needs to change. The good news is, the structures we need to reform the capital system already exist.
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The era of “move fast and break things” looks to be over. Once conducive to unicorns and venture capitalists with a kingmaker bent, this high-growth and high-risk mentality is losing appeal among business owners amid decreasing stock prices and the economic fallout from the Covid-19 pandemic.
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The era of “move fast and break things” looks to be over. Once conducive to unicorns and venture capitalists with a kingmaker bent, this high-growth and high-risk mentality is losing appeal among business owners amid decreasing stock prices and the economic fallout from the Covid-19 pandemic.
An increasingly common alternative is revenue-based financing: loans that are repaid as a percentage of revenue with a cap on the amount repaid or the repayment timeline.
Adobe Capital in Mexico uses revenue-based debtto allocate capital into growth impact enterprises since 2012. These agreements are convertible to equity based on the amount of debt outstanding. The value to entrepreneurs is that they provide access to less-dilutive risk capital and which doesn’t require follow-on fundraising if the company establishes its cash flow or qualifies for a bank loan. Contrary to traditional debt, the agreements offer flexible payment schedules and initial grace periods well suited to early growth stage social enterprises.
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As a new entrepreneur, you are probably working endlessly on developing your product, preparing investment pitches, finding a technical co-founder, and chasing suppliers or customers. Accounting may not be a task of foremost importance on your mind.
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Many investors are still learning about the various metrics that can be useful when analysing a stock. This article is for those who would like to learn about Return On Equity (ROE). To keep the lesson grounded in practicality, we’ll use ROE to better understand Hypebeast Limited (HKG:150).
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This article is an excerpt from an episode of Startup Snapshot, a Tech in Asia podcast that features the leaders and innovators in the Asian startup scene, and discusses the highs and lows of their founder journeys. It is heavily revised from the original transcript.
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個人和企業潛在的財務危機有辦法事先避免嗎？如果遇到了應該如何做改變，能讓企業和自己的財務狀況更好？ 許多中小企業主都面臨的一個問題， 就是不知道如何讓自己公司的經營更有效率？
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We see a lot of business owners at Wave who haven’t yet mastered their cash flow, and aren’t sure if they’ve actually made any money until the end of the year. Even worse, sometimes they haven’t made money, but by the time they realize that it’s too late to correct.
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這種發展先行的做法，本來不會有太大問題，但當你不幸遇上經濟周期下行，又或是產品發展受阻、公司出現問題時，就會因為資金短缺而無能力解決問題，若然這時候才削減人手，必定會影響士氣，亦正因為這筆成本是「易放
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One young couple who works in the tech industry have been trying for months to conceive a child but are too tired for sex on weekdays. / Illustration: Perry Tse/SCMP He is so focused on keeping his startup alive that he can’t sleep at night.
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尹思哲 