Topic: Why is it difficult for people to get capital easily? - page 8. (Read 1033 times)

If you are someone whose still at college or being that newly graduate then the first thing you do have in mind is to get directly some job and later on you would really be making out those kind of realizations that working from 8-5 wouldnt really be doing something good for you on long term and you are just the ones who do make your boss rich. Time comes that you would really be thinking up on having a business and be your own boss on which it would really be just that a normal thing since we do have our own wishes in life on which it is really that time comes that we are thinking on building one.
Going back into the discussion about capital then yes, we would really be that struggling on getting one and dont expect that people around you would really be that supportive
when you do come up into that idea.

Now that we've been having a work then this is would be our best option which is to save up, but due to day to day spending and other priorities then this what makes
more harder and challenging for you to deal off with. You cant really just that make yourself that easily be able to attain things which you do have in mind.
Sometimes luck do always play some part on this case.

In this life, if you want to make a financial decision, you will have to make sure that your family problem doesn't give you much load on your shoulder, if you want to make more money and you think they are the one bringing backward direction, kindly cut them off because with you or without you, they are going to survive. This maybe cruel and harsh but that is the only way to move forward from their problems and if you can set up mini passive income for them, then that's great, anything that will stop them from bringing burden to yo is welcome.

What I will like you to do get a source of capital is to apply for grants, if you have a business in mind that is visible, they can give you grant to start your business and after for sometime, you will have to oy back the government gradually until you return everything you owed them and by the time you return everything, then you will have a business you can call your own. You can also contact venture capitalist, even your banks too might give you capital but comes with interest rate.

Life is about time and chance, what I mean by that is that it doesn't mean that most rich people are smarter than the majority of poor people. If you switch places the poor might manage the wealth better than the rich. We have to understand that money is a scarce commodity to own, and those that owns it are the wealthy, it doesn't matter if they're educated, beautiful or not, if you own money then life becomes easier for you and your family..

To raise capital for business or any other project, requires the person to have the bigger picture of what he wants to achieve, but start with the little capital that you have available, no matter how small. Just be doing the right things, build trust with your customers, clients and your supplies. Have a long term plan for your business and take it step at a time, look out for opportunities to grow and take advantage of them. From my experience as a business person, I won't advice any starter to begin their business with a loan, frankly it'll take luck for the person to succeed in the business, because the burden of loan repayment is not easy. Whether your business is doing well or not, you must repay the loan, in the end the business might just fold up, because of loan repayments. It's better to take a loan when you've started the business and there is demand for your goods or services.

It is not so hard to get a savings but it is hard to get a capital because capital is the most valuable thing to get before one can create a business that can bring more money for the person to save some.
Capital is what matters most in every business or investment, however I do believe that the more the capital the more profits, without capital then there is also no business or investment, so it is very hard to get capital more especially if one is not a monthly earner or if the person do not have were to get money from, that's why this days you normally see people go to borrow money so that they can use it to start up a business for them selfs.

It is difficult to get capital easily because one of the reasons is that if you are not earning a good source of income, then you won't be able to save and also the cost of living in the country. As you can see, the cost of living in some country is really draining the masses; the salary people earn is no longer up to the expense because, as the days go by, things are getting more costly, especially  due to the economic hardship that most countries are facing.

Lastly, the cost of accommodation in most countries and cities is very high. At the end of the year, the only savings you can make is for your accommodation and the sorting of other bills. So it becomes very difficult for some people to raise capital for their businesses.

OP, if you are finding it difficult to raise funds for your business, you can possibly get a loan, but that's if you can't save up gradually for it.

Yes, I agree with this opinion.
And investors will see how far they are able to manage their finances, but for me, cash capital is not the main thing, Even though we have a lot of capital, if we don't know the knowledge then destruction will occur, because for me knowledge is the main capital.

After I had a lot of experience in life, I finally realized that there are 3 capitals in life that we have to fulfill or have to collect. The first is capital that already exists within us personally, such as willpower, a strong desire, having dreams or goals, having motivation and ambition to continue to innovate. The second capital is theoretical capital such as insight. In this case, it is also important for us to get formal or non-formal education, and the third capital which is also the final capital is financial or money. I used to have a strong desire to become a successful person. So even though my background is not rich. but I have the same goals as those who are rich. That's why I even forced myself to get an education. until finally entering the world of work and becoming an employee while collecting capital and building a business together with his partner. So the way I get capital is through the process of working for other people. Collecting little by little. While looking for future business opportunities at that time. Even now because my business is not big yet. So I keep working hard even while working on the side. Because I know that we can't rely on other people in this matter. So it seems that in this case many people's ways of getting capital definitely have something in common.

So in essence, take advantage of all the potential that exists within us and around us. Because if we are not good at exploiting the potential that is near us then we have lost the main capital in our life. If we have a lot of money to use as capital. But if we are not good at seeing good business opportunities that we can enter. So it could be that the money we have that we use as capital will be difficult to develop because we made the mistake of entering the right business. So this is where insight, experience and innovation are needed.

Hey OP - I think your post could use some work when it comes to communicating clearly.  The sentences are kinda long and wordy, which makes it hard to follow what you're trying to say.  You keep bringing up how hard it is to save money a bunch of times - you could probably just say that once to get the point across.  It seems like the main thing you want is advice on getting capital, but that gets lost with all the background you give and  it would be good to just straight up say what your main worries and questions are.  That way people reading can jump right in to help instead of having to dig through extra details.

Do you think anyone who has huge amount of money according to you don't already have a better source of generating income? Money don't fall from the sky sis, you ought to have a source which money is coming from to be able to have a huge amount of money.


If earning money was that easy am sure you who have worked several jobs just to save money will swimming in lots of it by now, having dependents to cater for does not hinder anyone who has a good source of income not to make good money. The only way to attain such level of financial freedom is knowing what to invest and most especially having the funds to do so.


There are different ways to get capital to start a small or medium scale business,
* Getting loan from the bank, that also depends on the type of loan.
* Borrow from family, friends or lending platform.
* Having inherited money from family.
* Engage in thrift to save up a reasonable amount of money to start a business
* Receive a gift from a generous relative or a good Samaritan. And the list goes on. People can find different ways to source capital to start a business depending on what opportunities are available in your location and how determined you are.

Most people will start from 0 and many of them become successful, one thing I believe why they become successful, yes it is because they find a way and understand the way they find. for others, they have privilege, one of them has a very rich family and they just need to continue. Maybe we all think that Elon Mask's son doesn't have to struggle to find capital, be it money, trust, popularity or anything else, because he was privileged from birth from his father.
In my opinion, hard work is the main capital that should be invested, because it is from hard work and willpower that success is achieved.

Capitals are already covered by most people, and that means there aren't any left for you to get it. Think about it, we are talking about a situation where you are ending up with a lot of money, and would you give that to someone else so they would have capital? You will probably want even more, and that is why capitals are not easy to find.

I can start with zero dollars today, and it would take me years to get to where I am today, I can't say that just because I made some money, I am good enough to make sure that I can live off that again today, that's not going to happen. We need to realize that even if you put Elon Musk to an unknown, not famous, zero dollars situation, he won't get back to being rich like this again.

it's not the best idea of having capital by getting job, it's not like it's impossible, but it need high skill and experience for people to have big wage for their job. it takes time. That's just the way to have financial stability for average people. the best option is to start a business based on skill so people can develop their own business to a big scale of business.

starting a business have bigger risk than getting a good job. but if people's aim is to get capital, then the option is to go on "high risk high reward" way. if people have their finance aim, they need to choose a way where can control of their own finance, this is why starting business is the best way.

Every big thing starts small. You cannot jump into business today and start living a big life, as you said earlier, so if you really want to start up a business, you can do that with even small capital. By managing the business, it will be big in the future. People you see living a big life with their business money didn’t start it big; they also started it small. So when you say that you want a business that you will live a big life, I think you will find it difficult because the kind of lifestyle you want to leave, you won’t get it with a small amount of capital. So I will advise you to start up a business if you have the capital, even if it’s small. In the future, the business will be big, and you will live the kind of life you want.

Talking about your relatives, people must demand from you as far as you are earning, so for your siblings to ask you for money, I think it is a normal thing that everyone comes across with people around them. However, for me, for them to request money from you will not stop you from starting business since they’re in school, and you also have elder brothers. I believe you will not be the only person they will ask for money from every time they spend money in school, so you will be the one to budget something for your relatives and then start investing in business. Because you will think and because of the family, you will hustle for more ways to earn money so that you will get what they want and also set up a business for yourself.

If rich people don't need to talk about it anymore, they have privileges that make it easier for them to do everything, not just capital that they can easily get but relationships from their extended family that will make it easier for them to do what they want.
And that cannot be compared with poor people, it is difficult for them to get an education and to get capital, not many people believe in them without guarantees.

However, if we look broadly, everyone can get capital and the state makes this easy through state-owned banks, but again everything must have guarantees because no one can be trusted unless there is a business that is already running and has made a profit.

The main problem you are facing right now is your emotional bond with your family. Apart from having to pay for your own needs, you also have to pay for your family's needs. As long as your income does not increase, it will be difficult for you to get capital to achieve the dreams you have always aspired to.
You cannot ignore them because the success you are achieving now is due to their support and economic assistance. This condition might change someday when you need their help, family is the first person who always puts us first. Try to find friends or relatives who you can invite to start the business you dream of, this way it might speed up the process rather than having to wait for enough personal capital to start a business.

I know that we all want to become rich and financially stable but not all have been given the chance to make it, some have just become a dream.
In fact, many of the people who have a job have hardly made savings, how much more for jobless people or those who work on the minimum wage and solely rely on their salary, we can never expect from them for sure.

To start a business and having capital is not that easy especially if you don't have that goal as well. As we can see, a lot of people prefer to work rather than have a business and that is because it is not all about money, it is also if you have the capability to run it.

I get capital for my business from my investment in Bitcoin. I was lucky to get to know Bitcoin before the price rose so high that I was able to collect a lot of satoshis at that time. I succeeded in selling it at a high price, which I then used to open a business and save and use it to buy Bitcoin again.

But I also still help my relatives, my younger siblings, and sometimes my friends who are still experiencing economic difficulties. I hope that everything can make the road I'm on run smoothly. However, many people look for capital to start their business by borrowing money from the bank. I don't know how they calculated to be able to return the loan money. But they managed to pay it off on time.

Well, everyone is trying to do something to change their lives. And if we keep trying and don't give up, we can definitely succeed. And even though we often experience failure, that shouldn't stop us from trying because, behind that failure, there is pending success. So keep at it and don't give up.

It depends on the family status since there are also people who are born rich or have the influence or connections. For average people, it is not easy to save money to have capital. We need to finish college and then work hard to get a promotion since the higher position we have in our jobs the higher the salary which also means higher savings.

But for people born poor, it'll be much more difficult and it'll be lucky to even get a college degree. And when we graduate college and get a job, we also need to help our family and relatives. We need to work harder to get a salary increase, or we can get another sideline job or start a business with very small capital.

If you consider investment important, then prioritize it in your financial plan. The first lesson, no one should be able to intervene in your finances if you want to achieve "financial freedom".
I know this is a difficult decision, but the choice is yours whether you want to overcome your difficulties sooner or you have to be stuck with the situation longer. Helping or returning someone else's kindness doesn't have to be immediate.

Creating a capital is not such a simple task, for this it is not enough to just work and save some part of your income, for this you need to learn how to invest these funds and this must be done very smartly and carefully, so as not to lose funds, but especially at the beginning of your journey, you need to take risks to significantly increase your capital. And when the capital becomes large enough, you can concentrate on minimizing the risks to your investments and choosing more conservative investments, despite the fact that the income will be less.