ORGANIZATIONAL ASPECTS OF FINANCING OF NEW ESTABLISHED ENTERPRISES

Podjetje ima dva vira financiranja, in sicer notranji vir financiranja, ki je posledica poslovanja podjetja, in zunanji vir financiranja, ki predstavlja dolžniški kapital podjetja (krediti, kapitalski vložki, subvencije in posebne oblike zunanjega financiranja). Dodatna finančna sredstva potrebuje podjetje za investicije in naložbe ter za premostitev kratkoročnih likvidnostnih problemov. Možnosti financiranja nastajajočih podjetij je več. Če se odločimo za dolžniško financiranje, najpogosteje pretehtamo ponudbo med kreditom in leasingom. Obe možnosti sta aktualni, zanimivi in konkurenčni. Če pa se odločamo za lastniški kapital, imamo na voljo tudi financiranje s pomočjo skladov tveganega kapitala, kot formalne oblike tveganega kapitala, in poslovne angele, kot neformalno obliko tveganega kapitala. Podjetja v Sloveniji se zelo pogosto odločajo za bančni kredit, ki ga daje banka. Banka, ki je posrednik na finančnem trgu, ustvari največ prihodkov s kreditnimi plasmaji. Skladi tveganega kapitala in poslovni angeli pa v Sloveniji še niso dovolj poznani.There are two sources of financing of companies: • internal sources of financing which are a consequence of operations• external sources of financing present the debtor’s capital of establishment (credits, the capital’s investment, subsidy and special kind of external funding). The establishment needs the additional financial resources for investments and for dealing with short-term liquidity problems. There are various existing possibilities how to realize a start up business. If we decide for debt financing, most usually we choose between leasing and credit. Both offers are actual, attractive and competitive. In the case of equity capital, it is available financing through venture capital funds, as the formal venture capital and business angels, as the informal form of venture capital. The establishment quite often decides for a bank credit approved by the bank. The bank as a mediation on financial market provides the most profits by credits placing. Venture capital founds and business angels aren’t known very well in Slovenia yet