OpenIDEO
Cancel
OpenIDEO is an open innovation platform. Join our global community to solve big challenges for social good. Sign Up / Login or Learn more
Phase: Winning Concepts

Entrepreneur-Loan

entrepreneur-loans is the idea of re-appropriating the existing student loan infrastructure for start-ups - to make it easier for them to get to capital especially in the tough beginning years.

Photo of Stefan Ritter
64 37

Written by

from student loan to enterpreneur loan from student loan to enterpreneur loan

My flatmate Bryan Gibson (who is a PhD candidate at the London School of Economics) and I worked on a proposal for entrepreneur loans.


From student to entrepreneur

Similar to the student loan systems that most countries already have, an entrepreneur loan should provide capital to help a start-up to kick off, especially in regions more neglected by established venture capitalists.

Student loans have a certain threshold until which the money stays interest free, after which interest rates go back up to the market standard (or the ECB rate).

Building on the comments below, the enterpreneur loan could work as an extension of the student loan system to enable people to start their own company right out of school.


Incentives for growth

With the entrepreneur loan this can be a similar time span of 3 years, but the challenge is to create incentives for start-ups to employ additional staff and grow.

One way of achieving this would be to give a bonus for each new employee hired (eg. The interest rate drops by five points for every additional employee).

Another incentive mentioned by Meena Kadri and Tim Hood would be setting a certain profitability threshold before repayment starts.


Who is behind the system?

Similar to student loans this could be a public-private partnership. The public hand could lower the risks for private investors to join in. The enterpreneur loan is kick off money, after which the start-up could become a business customer for the private partner.

Potentially the revenue of the loans used to save the banks which were too big to fail in 2008 could be channeled into these start-ups as a political gesture of the big helping the small.


Back to school

Because starting a company is a hard education of its own right, the system could include uni-credit (ECTS) points, to help students stay in their programs, or other entrepreneurs to start a degree. This would benefit both the start-ups with easy access to education and academic innovation as well as the universities, which get hands on business experience and know-how onto their campus.

How will your concept support web entrepreneurship?

The idea is to lower the borders to kick-off money. And help students directly from college to start their own company by integrating their student loan into the entrepreneur loan.

How could we get started?

Using existing student loan infrastructure, this loan system should be able to integrate seamlessly and work as an extension of the student loan system.

Virtual Team:

Jyotirmaya Mahapatra Victoria Scarffe Tim Hood Meena Kadri Ashley Jablow Tyler Paine Amy Bonsall

Evaluation results

14 evaluations so far

1. How well does this concept address a significant pain point felt by European web start-ups?

This is a major pain point for European start-ups - 71.4%

This is a "nice to have" but not a serious pain point - 21.4%

I really don't know - 7.1%

2. How novel do you think the concept is?

Never seen it before - very novel! - 28.6%

This is common in some places but not in many parts of Europe - 21.4%

This is not novel but a good iteration - 42.9%

There are already other solutions out there that address this problem - 7.1%

3. How easy is this concept to implement and maintain?

It could be implemented quickly and easily maintained - 7.1%

It could be implemented quickly but will require regular updates to ensure it is accurate and relevant - 14.3%

It is a big undertaking and would need a lot of support and cooperation from people and organisations to make it happen and to maintain it - 78.6%

4. What type of organisation is best placed to take this forward?

The European Commission should own this one - 28.6%

This belongs with member state governments (e.g., the UK, Belgium, etc) - 64.3%

This is best being owned by a private company - 0%

This feels like a non-profit - 7.1%

This is a start-up itself! - 0%

5. Overall, how do you feel about this concept?

It rocked my world! - 42.9%

I liked it but preferred others - 50%

It didn’t get me overly excited - 7.1%

View more

This inspired (2)

Virtual Economy for Vapor Startups
Virtual Economy for Vapor Startups
OpenFunding Platform (refined version)
OpenFunding Platform (refined version)

64 comments

Join the conversation:

Comment
Spam
Photo of Melissa Knox

RELIABLE PRIVATE ONLINE INVESTIGATIONS Have you ever needed an expert when it comes to hacking? Have you ever wanted to hack someone’s email account? Recover lost accounts,school grade,boost credit score? Do you need to find a person’s sensitive information? Do you want to invade a person’s PayPal, Skrill, Amazon, Facebook or any other site account? Upgrade of University Grades,Password and email Retrieval, phone Lines monitoring, Skype Accounts, Hack Social Network, Trace calls on real time conversations, Remove Criminal Records, Credit Fixing, cyber-crime investigation, Hack Bank Accounts, Identification of Cheating Partner or employee,GET HOT STOCK TIPS Then contact contact Email:- stocktipsandethicalhacking2020@gmail.com Hangout :- stocktipsandethicalhacking2020@gmail.com Business Whatsapp :- ‪ +1 (925) 291-0054‬) or click on this link to chat on whatsapp https://wa.me/message/REE2BBXU4CEYF1
he won't under any circumstances work for free

link
Spam
Photo of Bertoldo Shaftner

And I like to play roulette. I started playing it a long time ago. I worked out all the moments on my own. And recently I found this https://roulette-guide.com manual. It is cool and useful information for beginners. It is a pity that when I started there were no such articles. It would have helped me to avoid some mistakes and get into the game faster.

link
Spam
Photo of Mistor Matsyk

Financial institutions offer a range of facilities and benefits for their business loan in USA. A borrower must, therefore, look for the following features to decide on whom to avail this loan from. Follow this link to get the best conditions payday loans online in Montana https://maybeloan.com/payday-loans/mt

link
Spam
Photo of Mrs. Susan Brian

Hola

¡Bienvenido al futuro! Financiamiento fácil con la Sra. Susan Brian

¿Ha estado buscando opciones de financiamiento para sus nuevos planes comerciales? ¿Está buscando un préstamo para expandir su negocio existente? ¿Se encuentra en un pequeño problema con facturas impagas y no sabe qué camino tomar ni adónde acudir? ¿a? ¿Ha sido rechazado por sus bancos? La Sra. Susan Brian Loan Grants dice SÍ cuando sus bancos dicen NO. Contáctenos ya que ofrecemos servicios financieros a una tasa de interés baja y asequible del 2% para préstamos a largo y corto plazo. Los solicitantes interesados deben comunicarse con nosotros para conocer los procedimientos de adquisición de préstamos.

Nuestros servicios incluyen lo siguiente:

* Préstamos de refinanciamiento
* Préstamo de coche
* Préstamos para camiones
* Préstamo hipotecario
* Préstamo hipotecario
* Préstamo de consolidación de deuda
* Préstamo comercial [seguro y no garantizado]
* Préstamo personal [seguro y no garantizado]
* Préstamo para estudiantes y tantos otros.

Para más información;
contáctenos hoy (mrs.susanbrianloangrants@gmail.com) Envíe un mensaje de texto / llame al +1 (409) 900-0268) Esperamos su respuesta

link
Spam
Photo of julia Giovanni

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Dave Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Call/Text: +39(351)065-1312 Email: accessloan122@gmail.com

Our services include the following;
Truck Loan
Personal Loan
Debt consolidation loan
Car Loans
Business Loan
Student Loan
Mortgage Loan
Refinancing Loan
Home Loan
Improvement loan
Construction Loan
Please if you are interested in our financial offer and delighted, do not hesitate to contact us if urgently in need of our service as they will be required to complete the following information to begin with the process of your loan therefore ultimately.

Yours Sincerely,
Dr. Philip James
Call/Text: +393510651312

link
Spam
Photo of Dr. Bradley Louis

DO YOU THINK OF GETTING A LOAN??
APPLY TODAY FOR AFFORDABLE 100% LEGITIMATE HOME/REAL ESTATE/PERSONAL/BUSINESS LOANS Email for immediate response: (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689


DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it is something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more because we are out here to help the less financially privileged get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689

Need emergency funds? Apply now and get your cash approval. we offer the following financial services:
*Personal loans,
*Debt consolidation loans,
*Venture capital,
*Business loans,
*Education loans,
*Home loans
*Car Loans
*Hotel Loans
And many more.

Are you looking for a genuine loan? contacting the right company for a legitimate loan lender has always been a huge problem to clients who have financial problems and in need of a solution to it at an affordable interest rate? Are you in any financial mess or do you need funds to start up your own home project and real estate development? Do you need a loan to start a nice small or large scale and medium business?
contact us today (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689
Look forward to your response,

Dr. Bradley Louis
Text/Call (917) 383-2689

link
Spam
Photo of Frank Youke

Capital Financial Services UK Ltd loan offer.
*Get instant loan up to $500M USD with no collateral even with bad credit.
*Personal,Business or Company
*No Collateral needed
*3-5% Interest Rate
*Repayment duration of over 10years
*100% Guaranteed Approval Rate
*Repayment Guarantee will be signed and approved by government.
Terms and Condition Applies
For More Information Contact us now Email: danclarkfin@sbcglobal.net
247 customer care. Call or whatsapp for more details:+447727738753

link
Spam
Photo of Jon McGuire

I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan or Mortgage Loans, More also we financing all kind of projects. For more details contact us at: jonmcguire47@gmail.com

link
Spam
Photo of EASON RONNIE

We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Contact : Mr. DARREN C CHENG
Email:Darrencraig002@gmail.com
Skype ID: Darrencraig002@gmail.com


Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All inquires to Mr. Darren should include the following minimum information so I can quickly address your needs:

Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?

Contact me for more details.

link
Spam
Photo of Jon McGuire

I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at: jonmcguire47@gmail.com

link
Spam
Photo of Greger Fredrik

Hello, I want to tell you about a credit company that helped redeem me, I had a
major setback because my score was miserably low, things became worse because
of the evictions, IRS and liens in my profile, until my cousin introduced me to
SKY CREDIT SOLUTION , they made it better, they literally gave me my life
back, my score is 760, my profile is alright. For various forms of credit upgrade, no
matter how low the score is, the one and only answer I know is SKY, they are
100% legit. Everything is looking up for me now, hit them up via
SKYCREDITSOLUTION247@GMAIL.COM / (620) 399 6316. You should
contact them

link
Spam
Photo of Jimmy Faltersack

Dear Sir / Madam,
Are you urgently in need of a loan, Business Loan, Personal Loan, Investment Loan, Home Loan, Car Loan and much more. We offer small, medium and large loans, same day approval, with a short and long-term guarantee at a rate of 2% per annum. Interested persons should contact for further information and applications via
Email: contact@firstheritageloanfirm.com
firstheritageloannfirm@gmail.com
Tel: +1 {480} 582-4571
Whatsapp: +1 {480} 582-4571
Best Regards!
Jmmy Faltersack

link
Spam
Photo of Karin Sabine

Are you looking for a business loan, personal loan, home loan, car loan, student loan, debt consolidation loan, unsecured loan, venture capital etc, or were you denied a loan by a bank or financial institution for one or more reasons. You are in the right place for your loan solutions! I am a private lender, I provide loans to companies and individuals at a low and affordable interest rate of 3% interest. Then contact us via e-mail: sabinhelps@gmail.com

link
Spam
Photo of Mills Dachin

Hacking !! Hacking!!!
We are hackers for Hire, we delivered 100%Ô£ôguarranted

* Blank ATM card
* All kind of loans
*University Grade
*Iclound
*Criminal Records
*Hack spouses phone
*Binary Recovery
*BTC Mining etc...!!!!

Remember your happiness is our pride
All you need do just Email:- pointekhack@gmail.com
/hyperhackeronce@gmail.com
/phdatabasesolution@gmail.com

link
Spam
Photo of Davis Carlos

Hello Everyone, do you want to fix your credit? do you intend to perform a total repair of your credit report? I know a credit repair organization that can handle it perfectly without issues, and that is SKY CREDIT SOLUTION, there job is fast and 100% legit. the Judgement, eviction, and bankruptcy on my credit report was removed, they even cleared my credit card debts within 6 days, they really helped me and I owe them gratitude and a very good review. I give them a 5star rating for their services. (SKYCREDITSOLUTION247@GMAIL.COM or Text (620) 399 6316) that’s how to reach them. I insist you go for the best

link
Spam
Photo of Mills Dachin

Hi Xmas countdown, DISCOUNT by settling you bills etc!! HACKING CARD/ LOANS FROM CARD TO CARD RETRIEVED YOUR LOST BITCOIN

Are you doubting your spouse, your thoughts can be right you know. hacking is what I do try me & see for yourself.

*Facebook Hacking Tricks
* Database Hacking
* G-mail/AOL/Yahoomail/ Inbox Hacks
*Control Device Remotely Hack
*University Grade Upgraded
*Wiping of Credit Cards/ Increase Credit Cards Hacks
*Western Union & Money
*Bitcoin Flipping $ mining
*Gram Hacks
*Loan Transfer
*Hacking Card (ATM)
*Recover your lost Facebook/Gmail/ password etc & Bitcoin Lost
*Talking SEX DOLL.
Relate your problem & get it solved by us.

All you need do just Email:- pointekhack@gmail.com/ hyperhackerone@gmail.com/phdatabasesolution@gmail.com %100Ô£ô guarantee

link
Spam
Photo of Pendelis Wealth

Todistus lainan saamisesta

Hei kaikki, tarjoamme lainoja yksityishenkilöille, yrityksille ja yhteistyössä toimiville instituutioille. Olen rouva Clency Dexter. Asun Floridassa ja olen tänään onnellinen nainen, haluan kiittää herra PENDELIS WEARTHia tarjotuista lainoista, jumalattoman mies . (SEN TOTE) yhteyttä: pwloancompany484@gmail.com

Parhain terveisin

link
Spam
Photo of Bradley Garrett

Welcome to Newworldfinance.ltd, we appreciate the good comments that have been circulating on the Internet about our good works and we thank all those who have taken a loan from our company because we are certified, reliable, reliable, efficient, fast and dynamic. And cooperate with our customers. Now let's go back to what we do best. Do you need an urgent loan? A loan to probably expand or start your own business? or you need a loan for education or to pay off your debt, with an interest rate as low as 3% that suits any client and you will enjoy our services. Contact us now by email: newworldfinance.ltd@gmail.com or newworldfinance.ltd@yahoo.com.

link
Spam
Photo of anna lucas

investing in oil and gas has and is still making a lot of people " very RICH". Investors in oil and gas are getting rich daily. All you need is a secured and certified strategy that will keep your invested capital safe by opting out with no withdrawer crunch. A considerable number of investors worldwide have seen gains of 75,063%, personally I have made over 600%. For example I started investing with $1,000 and I made $3,000, $3,500- $5,000 weekly. Last year at the start of the year, I increased my invested capital to $10,000 and I made approximately $105,000 before the end of year. I've never seen profit opportunities like this before in any market even when other traders complain of losses. Now for the doubters, not only is it possible, it's actually happening right now. All you need is a good and secured strategy, a good investment platform, Appetite and market conditions. Incase you are interested in venturing into investing or perhaps you are trading and has been losing, feel free to contact total company at E-mail: total.company@aol.com or Instagram IG: @total_company , I will
be sure to guide and assist you.    

link
Spam
Photo of anna lucas

investing in oil and gas has and is still making a lot of people " very RICH". Investors in oil and gas are getting rich daily. All you need is a secured and certified strategy that will keep your invested capital safe by opting out with no withdrawer crunch. A considerable number of investors worldwide have seen gains of 75,063%, personally I have made over 600%. For example I started investing with $1,000 and I made $3,000, $3,500- $5,000 weekly. Last year at the start of the year, I increased my invested capital to $10,000 and I made approximately $105,000 before the end of year. I've never seen profit opportunities like this before in any market even when other traders complain of losses. Now for the doubters, not only is it possible, it's actually happening right now. All you need is a good and secured strategy, a good investment platform, Appetite and market conditions. Incase you are interested in venturing into investing or perhaps you are trading and has been losing, feel free to contact total company at E-mail: total.company@aol.com or Instagram IG: @total_company , I will
be sure to guide and assist you.    

link
Spam
Photo of Abigail Mills

Hello Everyone,

Welcome to the future! Financing made easy with Abigail Mills loan company.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Abigail Mills loan company. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans(Secured and Unsecured). Interested applicants should contact us for further loan acquisition procedures.

Services include:

* Car Loan
* Home Loan
* Truck Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan
* Personal Loan
* Students Loan.

With Abigail Mills loan company. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic.
Email: abigailmills.loans227@gmail.com

Regards,
Mrs Abigail Mills

link
Spam
Photo of Donald Crush

Website: https://www.cbdisolatepowdercrystal.com
Wholesale & Distributors of CBD Products for Sale | Wholesale & Bulk
We are the largest Bulk and Wholesale Suppliers of Pure CBD,Organic Hemp CBD, CBD Hemp Oils, CBD Isolate Powders, CBD Crystals.

Contact us.
Website: https://www.cbdisolatepowdercrystal.com

link
Spam
Photo of Donald Crush

email: (stevemendez84@gmail.com)
Specifications
Cow /Ox Gallstones for sale (wholestone / brokenstone ratio is 80% / 20% )
We are full time exporter of high quality natural ox gallstone.
Our product obtained from disease free cattle.

Functions: To clear heat and release toxins.
To eliminate endogenous wind and stop convulsions. to resolve phlegm and promote resuscitation.If you wish to try out what we have,then we will be so much pleased to get your inquiry.

Contact us on our direct email: (stevemendez84@gmail.com)

link
Spam
Photo of Bentex Group Funding

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:bentexgroup@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Bentex Group Funding

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:bentexgroup@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Bentex Group Funding

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:bentexgroup@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Bentex Group Funding

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:bentexgroup@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Bentex Group Funding

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:bentexgroup@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Jack El Bolden

Are you blacklisted? Struggling to get a personal loan? Has your application been DECLINED due to Low Credit Score? Over COMMITTED? Affordability? But you know you can afford this loan. Loans Approved in 4hours, you can email us at opploansLLC@gmail.com

Names:
Occupation:
Loan Amount Needed:
Loan Duration:
Your Country:
Mobile NO:
Purpose Of Loan:
Email Address:
monthly income:
Sex:
Age:

Opportunity Financial, LLC

link
Spam
Photo of Avit Investment

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Noel Prince

Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via Email: EllinasFinances@gmail.com ,,,

link
Spam
Photo of Noel Prince

Do You Seek Funds To Pay Off Credits and Debts? { FIFOCapitals@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2.%. Interested Applicants Should Contact Us Via Email: FIFOCapitals@gmail.com

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: FIFOCapitals@gmail.com,,,

link
Spam
Photo of Avit Investment

Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)

link
Spam
Photo of Katelyn Garrett

Are you in need of loans for business, projects, personal effect ? May I introduce you to 24 HOURS LOAN FUNDING SERVICES. We are company located in the United Kingdom and we are into pure loan and debt financing of project(s) i.e. oil and gas, real estate, renewable energy, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of $900,000,000.00 (Nine hundred million USD) in any region of the world as long as our 3% ROI can be guaranteed on the projects. Presently, we are expanding our company internationally which is more reason for this public announcement. For easy and fast application kindly send a short email to: customerserviceses24hoursloans@hotmail.com

Information Centre

24 HOURS LOAN FUNDING SERVICE COMPANY

link
Spam
Photo of Abab Abab

Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 2.%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: EllinasFinances@gmail.com ,,,

link
Spam
Photo of Connie morgan

If you are looking for a positive lending experience I would recommend Le_Meridian Funding Service. It is surprisingly easy to receive a debt help. You will be treated with respect and professionalism Because they helped me with loan too @ 1.9% ROI. Email Contact..lfdsloans@lemeridianfds.com

link
Spam
Photo of Abab Abab

Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email: EllinasFinances@gmail.com ,,

link
Spam
Photo of Jackson Mack

I am Jackson residing in Romania, I have been struggling financially for a while now and wasn't able to get a loan from my bank and other credit union I applied with due to my credit score. But a friend of mine told me about eazy shark loan Investments Limited and how he was helped by eazy shark loan. At first I doubted him because I have tried a lots of lenders who could not help me out. he advised, I give a try to be convinced, so I contacted them via email: (eazysharkloan247@gmail.com) and after going through the loan process they granted me a loan amount i request for. I want to reach out to everyone there in need of financial assistance kindly contact this company for your loan assistance via email(eazysharkloan247@gmail.com).

link
Spam
Photo of Connie morgan

If you are looking for a positive lending experience I would recommend Le_Meridian Funding Service. It is surprisingly easy to receive a debt help. You will be treated with respect and professionalism Because they helped me with loan too . Email Contact..lfdsloans@lemeridianfds.com

link
Spam
Photo of jerry cole

FORIX LOAN SOLUTIONS give out loan at the rate
of 3% interest rate, if you are interested for a loan, you are here by
advise to fill and return the loan application form to this
Email( forixloancompany01@gmail.com) alone to know if you are truly
interested in loan. I am here to put smiles in all sad faces.

FULL NAMES:
ADDRESS:
COUNTRY:
AMOUNT NEEDED:
DURATION OF LOAN:
PURPOSE OF LOAN:
SEX:
MARITAL STATUS:
MONTHLY PAYMENT:
PHONE NUMBER:
EMAIL:

By replying with these details to (forixloancompany01@gmail.com),
we shall move forward to the next step which is the terms and
re-payment plan schedule.

Mr. Steve Duncan.

link
Spam
Photo of Blessing Firm

Apply for a low interest Business/Personal loans to pay your bills or start your own
business. If interested, contact us via email : blessingfirm5@gmail.com with
amount needed, duration to pay back loan, your email and location and you will be
contacted by the loan firm.

Company services include the following:

* Personal Loans (Secure and unsecured):
* Loans for business (secure and unsecured):
* Student Loan:
* Debt Consolidation loan:
* Combination Loan :
* Construction loans :
* Home Loan :
* Auto Loan :
* Mortgage Loan :
* Business Loan :

We give out Personal Loans at the range of $ 1000 to $500000 while Business
Loans are given out from the range of $10000 to $50000000 and this loan
is been given out to individuals from duration of 1 year to 20 years.

NOTE: You are to reply directly to our office email address: blessingfirm5@gmail.com

link
Spam
Photo of Blessing Firm

Apply for a low interest Business/Personal loans to pay your bills or start your own
business. If interested, contact us via email : blessingfirm5@gmail.com with
amount needed, duration to pay back loan, your email and location and you will be
contacted by the loan firm.

Company services include the following:

* Personal Loans (Secure and unsecured):
* Loans for business (secure and unsecured):
* Student Loan:
* Debt Consolidation loan:
* Combination Loan :
* Construction loans :
* Home Loan :
* Auto Loan :
* Mortgage Loan :
* Business Loan :

We give out Personal Loans at the range of $ 1000 to $500000 while Business
Loans are given out from the range of $10000 to $50000000 and this loan
is been given out to individuals from duration of 1 year to 20 years.

NOTE: You are to reply directly to our office email address: blessingfirm5@gmail.com

link
Spam
Photo of Dr Desmond Berling

Do you need 100% Finance? I can fix your financial needs with a lower back problem of 3% interest rate. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. flexible repayment, Contact us at asdaservices@yahoo.com

link
Spam
Photo of santos drea

Have you been looking for financing options for your new home purchase, construction, real estate loan, refinance, debt consolidation, real estate investors, business investors personal or business purpose? Welcome to the future! Financing made easy with us. Contact us as we offer our financial service at a low and affordable interest rate of 3% for long and short loan applicant term.Interested shouldering contact us for Further loan acquisition procedures via: chryslerkings_financialinvest@aol.com
text us : +1(512) 643-3473

Best Regards
Chrysler Kings

link
Spam
Photo of santos drea

Have you been looking for financing options for your new home purchase, construction, real estate loan, refinance, debt consolidation, real estate investors, business investors personal or business purpose? Welcome to the future! Financing made easy with us. Contact us as we offer our financial service at a low and affordable interest rate of 3% for long and short loan applicant term.Interested shouldering contact us for Further loan acquisition procedures via: chryslerkings_financialinvest@aol.com
text us : +1(512) 643-3473

Best Regards
Chrysler Kings

link
Spam
Photo of OpenIDEO

Congratulations on sharing a winning concept! The EC loved the thought of providing alternative means of bootstrapping young companies.

link
Spam
Photo of Paul Reader

Once again congratulations Stefan - you have a very insightful mind for transitional ideas. Will be very interested to see what develops from this and the other winning concepts despite my being physically remote from the centre of action. Look forward to your thoughts on the next few challenges too.

link
Spam
Photo of DeletedUser

DeletedUser

I like your concept a lot: it's simple and clear. I think it can be very successful in those countries where student loans are widespread, as in UK (not so much in Spain, for example, and other EU countries where there's not such an habit). I was thinking that, if you get a student loan, when you finish your studies I suppose you rush to get a job to return the loan... If you were considering setting up your own business, I suppose you just leave that on hold... And sometimes the opportunity is here & now...

link
Spam
Photo of Paul Reader

Some good points Irene - and, as usual, another straightforward and very useful concept Stefan.
I guess for those countries without student-loan systems (or perhaps even centrally through the EEC) copying and building on existing models would provide a starting-point.

link
Spam
Photo of Ashley Jablow

I really like this concept a lot, Stefan. My husband is starting a business and access to funding is the #1 issue he's facing. A small business loan isn't quite right for him - but something like this, that has the purpose of helping him get on his feet while also incentivizing his growth, would be really helpful. I'll be eager to see this one get built out a bit more over the Concepting phase.

link
Spam
Photo of jyotirmaya mahapatra

Nice thought. A loan payback system can be designed which will take into all new asset purchases or hiring into consideration.

Instead of loan repayment , banks could also derive paybacks form public offering the new enterprise will make.

link
Spam
Photo of DeletedUser

DeletedUser

This concept has been in place in France for many years for every kind of businness. See http://www.france-initiative.fr/ For innovative project, the loan can be up to 80 000 euros in our place.

link
Spam
Photo of Stefan Ritter

I like the french system, has there been any studies on its success?

link
Spam
Photo of DeletedUser

DeletedUser

Follow the link http://www.france-initiative.fr/index.php/france_initiative/presse_documentation/communiques_de_presse/en_2011_pres_de_16_000_entreprises_et_plus_de_35_000_emplois_crees_ou_maintenus you will find figures for 2011: 16 000 business created, 1,1 BnÔé¼ of loan (including bank loans associated to the loan to the entrepreneur)

link
Spam
Photo of Meena Kadri

When I had a student loan (quite a while back!) in New Zealand – the mechanism for baseline repayments was via an additional tax percentage devised for loan holders (ie. you only had to start repaying the loan once you were earning) A potential build so that startups didn't have to meet repayments until they were deriving a profit?

link
Spam
Photo of Amy Bonsall

Great thought, Meena. It would have to be structured carefully so as not to disincentivize profit. Maybe loan repayment comes from revenue, not profit.

Love the idea of finding creative ways to help web start-ups get access to funds.

I wonder about other creative ways to encourage the right behaviour with web start-ups - e.g., instead of incentives coming by hiring more (not necessarily to the benefit of the start-up at that time), could incentives come for reaching certain milestones - for instance beta release?

Stefan, who do you and Bryan envision funding this? Banks or the EC or private investors or even individuals (ala www.zopa.com)? Different parties would have different motivations, which could change the structure of the loan.

link
Spam
Photo of Stefan Ritter

Amy u have a very great point. Wow I didn't know of Zopa! that's a great concept!
I built on your comment - what do you think about a public private partnership? it all seems allot more bureaucratic than zopa however.

link
Spam
Photo of Amy Bonsall

I like the idea of providing confidence to private investors, but I wonder if public money is the signal that will work in this case. What about alternatives such as knowing that prominent angel investors have invested, or knowing the team has worked on start-ups in the past? Here's another bit of inspiration: www.seedrs.com

link
Spam
Photo of DeletedUser

DeletedUser

Making this like student loans, you could go farther and make entrepreneurial loans to students. Some cash to push a class project that little bit further and start marketing it.

This could alleviate some of Tim's comments below in that you could require a professor or department sign on as a mentor to say there really is a project.

And if students were getting their company in gear as they graduate maybe they could start paying off both loans sooner. :)

link
Spam
Photo of jyotirmaya mahapatra

Hey Stefan ,
Just an off hand thought.

A lot of students aspire to have their own startup when they graduate. But they already have their student loans to payback. Sometimes its quite a big sum which holds them back from trying out exactly.

We can have a loan service which gives students extra payback time if they want to have their own startup.

link
Spam
Photo of DeletedUser

DeletedUser

Great idea, however, the success rates of most businesses are so low that producing a specific Entrepreneur-Loan is highly unlikely because most banks would rule out the concept.
Team Purple Cobra's
-Wells College

link
Spam
Photo of DeletedUser

DeletedUser

A good point Tyler, although drop out / exam failure/ post graduate unemployment rates are also very high and this doesn't put off banks from issuing student loans. I suspect Stefan's idea is for the loans to be underwritten by government, just as I believe is the case with student loans.

Meena's idea below makes sense- no repayment until the business reaches a certain freshold of profitability.

I think the idea is a sound one although I would hate it to turn out like the schemes tried in the 80s in the UK. These paid the equivalent of unemployment benefit to 'entrepreneurs' who set up all kinds of bogus businesses.

I think Stefan's idea is to be far more ambitious and rigorous than this. What worries me are the costs of due diligence and auditing.

The interest rate linked to employment levels is an especially excellent idea.

link
Spam
Photo of DeletedUser

DeletedUser

This is a very interesting idea. However, I pose one potential conflict. My class at Wells College interviewed an Italian web entrepreneur and we learned how difficult it is to obtain federal loans for a start-up business in Italy. Throughout Europe, banks are very reluctant to give out money to new businesses due to a lack of trust. Furthermore there is a general fear of failing in the business world so people are less willing to take risks. How can we break through these social barriers to gain European investors trust in its entrepreneurs? We need to find our way to apply the courageous business risk taking practices to the European market and eliminate the fear of failing.

link
Spam
Photo of DeletedUser

DeletedUser

I really like this idea because it lowers the initial risk of failure, makes it more likely that a business will succeed, and lessen the personal risk of failure by giving the entrepreneur a chance to recover and try again making failure not a final state.

link