How Early-Stage Startups Make Money

The startup industry is a lucrative one. That said, for a startup to obtain the money it needs to grow, there are players that need to be involved and processes that need to be in place


Between forming key relationships and crafting the perfect pitch deck for investors, there are a lot of elements involved in getting a startup off of its feet financially.


Especially in the early stages, startups make money by making smart choices — investing the right way, reaching out to the right people, building a unique presence and more.


Consider the strategies new companies use to attain working capital and sustain a growing business:




Investors are one of the most popular means of funding for startups. When a business shows growth potential, Investors put money into the company with the incentive of getting a portion of future profits or even stock.


These investors — angel investors and venture fund capitalists alike — aid businesses financially not only to get them off their feet but to earn a stake in the companies.


You typically attract these investors by delivering an engaging and informative pitch presentation. These presentations require a creative and clear pitch deck that will sell investors on the value of your business.


Fortunately, you can work with a professional PowerPoint design agency that will help you ensure your deck is unique, informative and persuasive. To learn the importance of a pitch deck and where to start, check out this guide to slide design for PowerPoint to give you some inspiration.

Crowdfunding Platforms

Business News Daily defines crowdfunding as “when businesses, organizations or individuals fund a project or venture with small donations from many people.” Typically, these funds are attained by using a crowdfunding platform to showcase the project, provide a means for donation and share incentives like exclusive rewards for those who donate certain amounts.

Kickstarter was a leading crowdfunding platform in the past, but nowadays, there is a wide range of platforms being used for collecting these funds.


Startups make money by spending less — and a great way to keep costs low is by collaborating with other startup companies with common goals in mind.

Especially when working in close quarters like co-working spaces and other spaces dedicated to startups, new businesses can utilize each other’s services and trade labour and work instead of money. By doing this, they can save on costs and form relationships that can be potentially profitable in the long term.

Say, for example, your PR startup provides social media support for a neighbouring web development startup. If you secure a client that also wants a website, that’s the company you will likely refer your client to. It’s a give and take.


All that said, one way many startups make money is by taking out a business loan. A business loan can provide the funds you need to kick start your business — invest in product, staff and office space.

This way, once you start selling product and generating revenue, a portion of the profits can be utilized to pay off the loan. Loans are often taken out for specific areas of growth like equipment, production, staffing, marketing and commercial space.

At the end of the day, there are a wide variety of channels a new startup can take to earn funds. The best route is often a good balance of the strategies suggested.

Gold or Bitcoin: Which is the Better Investment?

The cryptocurrency rose to popularity as a peer-to-peer decentralized currency sometime in late 2010. The concept was introduced in a white paper in 2009 where the author highlighted the advantages of currency exchange in a secure manner, without any involvement of banks whatsoever. There were no third-party merchants in the transactions. If you had computing power, then you could mine your own bitcoins using decryption methods, and trade them with one another, in a secure channel.

Why Cryptocurrency?

In the past decade, Cryptocurrency has seen the rise and fall in terms of transactional value. Bitcoin trading is unlike normal trading. There is no fixed trading value for bitcoin. It just uses the last transaction exchange rate for future transactions. This is a two-sided sword for investors. On one hand, you could benefit from a previously executed higher than the normal transaction, but on the other, a downward spiral of prevailing transaction rate may incur uncontrollable losses. This volatility makes it unpredictable as an investment. But, on the upside, the security aspect of transacting only with the one that you intend to, using the unique QR code, brings about a sense of reliability in the cryptocurrency transaction. Peer-to-peer decentralized transaction means that there are no losses involved in value exchange. This brings about a fairground for both buyer and seller alike.

Is It Safer than Gold?

Gold has always been a standard of investments. It has appreciated in a steady fashion. Ever since the beginning of forms of currency, elemental currencies like gold, and copper have been widely accepted forms of exchanges. Time has played an important role in increasing the dependability and acceptability of Gold among civilizations. Moreover, Gold investments have been traditionally dominated among families and are passed on as generation-to-generation safe investment advice. Often if you ask an individual investing in gold, the most obvious reply would be of influence from family members. Hence, individuals have traditionally preferred to invest their hard-earned money in well-known investment modules like gold.

Things are, however, now changing. An average investor with little knowledge of investments is aided by a variety of data-crunching automated investments applications like Crypto-trading software, all they have to do is lock in their money, and the AI trading software from does the rest. This has given to the rise of cryptocurrency trading and is being portrayed as the next big investment to gold. The absence of intermediaries and zero-loss transaction security, along with distributed ledger technology has further boosted the confidence of neo-investors to invest in Bitcoin.


Conclusion: A Road with an Unpredictable Dead End?

The crypto-trading field is an upcoming field that promises higher returns on a short term basis. However, it is not without cyber-security threats, and the fact that it is a virtual-money puts an inherent sense of unpredictability in the minds of investors, who wish to grow their financial investments in the long run through cryptocurrency trading. Gold, on the other hand, shall continue to be a safe investment, as it is the most widely accepted form of investment in the whole world. This acceptance increases the reliability and dependability for investors, as against a virtual-money with no guarantor for any cyber-crime that may wipe out cryptocurrency investments.

Still, we cannot deny the fact that many of the big financial investors and reputed industries are investing in cryptocurrency which is slowly increasing the trust amongst the general public. And the increase in the bitcoin investments is taking it towards a scarcity as we are aware that the quantity is limited, which means this is the best time to invest in cryptocurrency if you are looking to gain huge profits in the near future.



Ava Trade Collaboration with Friedberg in Canada

Ava trades now have much new collaboration, but one of the most important is with Friedberg in Canada, Collaboration with the oldest and well-known dealers of Canada.

Friedberg directly gets the licensed from the Ava trade technology to offer the Ava trades platforms to the participants of Canada.

This collaboration allows all the candidates to trade online on Friedberg platform by one of the most CFD and FX provider.

Friedberg directly attached with the Ava trade technology and provided all the multiple trading platforms. It offers 24/5 hours service and live support staff in 15 languages.

Friedberg and Ava’s trade provides all the essential aims of your candidates with easy access to financial markets and very further trading in other technology.

If you want to start trading with Friedberg, you have to visit the Friedberg Direct by Ava trade Canada

Open Account with Friedberg Direct

Friedberg is a client-friendly platform, and client start trading immediately. Canadian investor’s funds guard this platform within limits.

This collaboration spread the Ava trade technology all over the United States and increases its more customers.

This technology has broad array of CFDs including metals, and other things like stock, currency, pairs, single and large-cap stocks, as well as US, Japanese, Europeans large bonds.

Customers have the opportunity to trade with a fixed or floating extent.

If you want to start Trade business, you have to follow the following steps

  • You have to plan your business and choose the business structure, visit the market and write about your business.
  • Select the best name for your business because it is essential to select the name that registers and protecting your business.
  • The main point of your business is to express your business with the government and get the license.
  • Three levels of permit you need for your business, and you must get the license that helps you in future problems.
  • Get business sport and finance. It enhances your business in the market and helps you to promote your business widely.

How to Trade Stock Online

Everything is possible in these days, and you can start trade stock online as a business. There are some steps are mention that helps to start an online business like online Trade Stock.

  1. Open an Account
  2. Practice you trading
  3. Time to buy
  4. Understand the price
  5. Advanced orders

Open an Account

First, you have to set up an account and select the services that help you to trade online.

Many of the other sites required commissions, but Ava Trade is one of the best that is commission-free.

When you set up an account, you need to fill many forms and provide all the bank information but make sure that all the process is secure.

Practice your Trading

Many of the Ava trades sites provide many articles and videos to learn about the advantages of trading.

You need to practice your trading and learn about its advantages and disadvantages because this can guide you better.

In Ava trades, for bingers’ demo account are appear so firstly you have to create a demo account and learn about the basics of trading.

Time to Buy

When you are ready to buy, you select the symbol of a company and exchange the trades.

Select buy and buy the things at its original price and also you have to enter the number of sharing.

Order will show the total price without any commission. You’d get the confirmation status with your order and tell about the law if it filled.

Understand the Price

Stock divided into two prices the one price is bid price, and the other one ask price.

The bid price is the highest amount that can pay a buyer for a stock. But the asking price is the low price that the seller gets.

There is some difference between these prices like some cents. One thing keeps in mind that the market order will be filled at the current rate.

If the price of the market changes the cost of the order will also be changed according to real estimate.

Advanced Orders

Once you were starting comfortable trading, you will get more advanced options.

A limit order allows specifying the price of the order, and you are willing to pay. For example, if you want to buy 100 shares of some company but you don’t want to pay more than 20$, if you place the order in 20$, you don’t change the amount less than 20$.

You have to use the “stop-loss order” on each time that will automatically sell your stock and allow you to lock the orders that you gain.

If you received the benefit, you must stop the process of trading and understands your interest.

3 Top Tips to Trading the Forex Markets

If you are one of those people who watched the film Wall Street and/or the Wolf of Wall Street and fancied some of that action, but have little or no experience of trading, then this article is for you.


Put in the Effort

The first and most important piece of advice that can be imparted upon a newbie trader is to make the effort. And, when what is meant by make the effort is to be honest with yourself, your limitations and the resources available to you, if you want to succeed in forex trading you need to put in the grunt work. Successful trades do not fall onto your lap, you will need to study the assets, study the markets and master the technical analysis charts. If you cannot commit the necessary time, resources and energy to these studies, then forex trading is not for you. Forex is like life, generally speaking, the more you put into trading, the more you get back. Doing the hard work in your studies, staying on top of the daily investing news will see you reap the rewards in your trading for a long time. If you go into forex trading half-heartedly or without doing the required studies, you will fail and lose money. Make sure to put in the effort into everything you do and you benefit from the hard work for a long time to come.


Keep Your Emotions in Check

Keeping your emotions in check is winning half the battle in forex trading. Whenever there is money involved, we get emotional which is dangerous. Letting our emotions get the better of us will result in decisions being made that do not have clarity of thought. Emotional decisions equal risky decisions, especially if we are chasing losing trades. Being able to detach yourself emotionally from trades will help you keep clear of thought and stay true to a strategy. Once you find yourself chasing losing trades or getting carried away on winning trades, you have lost the battle with yourself. Stay disciplined and always keep your emotions away from the trading station.


Use Help Whenever Possible    

Just to be clear, getting help is not an alternative to putting the hard work yourself. However, help is out there that can be essential to trading the forex markets successfully. There are social media groups in Facebook, Telegram, LinkedIn and WhatsApp that are filled with likeminded traders only too happy to share information, swap tips and generally encourage other to become better traders.  Another option for getting help is employing the services of a professional forex mentor. Someone there to hold your hand through the learning process, tell you where you are going wrong and what you are doing right can be invaluable to any new trader and worth their weight in gold if you want to take trading seriously. Shop around, trying some free trials and find a forex mentor that you feel comfortable will take you to the next level of trading.




How Does GIC Laddering Work?

A GIC, or guaranteed investment certificate, is one of the safest investments you can make. When you buy a GIC, you’re essentially agreeing to lend a bank or financial institution your money for a certain number of months or years. In exchange, you’re guaranteed to receive the amount of money you deposited plus a little bit of interest.


Naturally, GICs are part of many investors’ fixed income portfolios.


The longer you lock your money into a GIC, the greater the return. One-year GIC Rates in Canada, for example, may offer a 1.5% yield, whereas a five-year GIC might offer 2.5%. The five-year option is obviously more appealing, but you may not want to lock in your money for that length of time.


If you want to invest in GICs but don’t want to place your entire investment for five years, there is another option: GIC laddering.


How Does GIC Laddering Work?

GIC laddering is a simple way to maximize the returns from this type of investment without having to lock your money into a long-term investment.


Laddering is a lot simpler than it sounds:

  • Divide your total investment amount by five
  • Invest those five smaller amounts into five individual GIC terms:
    • 1-year
    • 2-year
    • 3-year
    • 4-year
    • 5-year
  • Once each term matures, reinvest the new amount into a five-year GIC.
  • Rinse and repeat.

With the laddering method, you have a term that matures every year. Each year, you can decide whether you want to reinvest that money, or access it for your own use.


If you continue with the laddering method, your return rate will be much higher compared to investing in consecutive short-term GICs.


Keep in mind that in most cases, you’ll need to invest at least $500 with a GIC.


What are the Benefits of GIC Laddering?

There are many reasons to consider adding GIC laddering to your portfolio.




Low Risk

GICs are a very low risk investment. It’s a guaranteed, as long as you purchased a GIC with a fixed interest rate. The return rate may be low, but you’re guaranteed to walk away with your initial investment and interest accrued.


Maximize Your Returns

The laddering strategy allows you to maximize your returns because you’re spreading your money across different GIC terms. Also, you don’t pay any fees with a GIC.


Access to Your Investment Every Year

With the laddering strategy, you have access to 20% of your investment every year. It’s a somewhat liquid investment strategy, so if you need money to pay for an unplanned expense, you’ll have the option of keeping the money from a matured GIC.


Take Advantage of Rising Interest Rates

Each year, one of your investments will mature. This means that you’ll be able to take advantage of rising interest rates when you re-invest in a new 5-year GIC.


Potential Risks

Just like with any other investment, there are some potential risks – even with a GIC.


The primary risk is that your returns will not keep pace with inflation. If the interest rate on your GIC is lower than the rate of inflation, your purchasing power will actually decrease when it matures.

Improving Financial Skills Through Literacy

Financial management has been defined as understanding the financial consequences of your actions and ensuring you only do those things that enhance profitability. However, I would add financial failure to that definition, as it’s an important part of the industry and my work as a merchant banker.

In short, you can’t expect all of your investment to result in significant returns. So you need to condition yourself to deal with the failures and continue your work with the same passion you had prior to the disappointing outcome. That’s what makes a successful merchant banker.

But let’s take a step back. It’s been said that 90% of business failures around the world are due to financial mismanagement. Not poor marketing, not labour problems but plain old bad management. So how do we resolve this problem? We need to focus on financial literacy, one of the world’s biggest challenges.

Although there are many worthwhile financial literacy initiatives happening today all over the world, too many of us don’t have a basic understanding of things like budgets, inflation and rates of return. Although it’s unrealistic to expect everyone to possess sophisticated financial knowledge, it is broadly agreed that some financial knowledge is necessary to make important life decisions related to money.

Building personal financial capabilities early in life can give people the foundation for financial well-being in the future. Schools are an important channel to provide the education that can improve financial literacy. Studies in the U.S. have shown that financial education, when done properly, leads to an improvement in financial behaviour.

But there’s a long way to go. According to a survey of 13 million U.S. high school students, only one in six received mandatory financial education. And only 17 states require personal financial content to be included in educational standards.

Of course, people want to make good financial decisions that set them up for success but most haven’t had the opportunity to learn. For instance, a significant number of American adults can’t pass a basic financial literacy test with three questions on stocks, interest rates and inflation. Here’s an example:

Suppose you had $100 in a savings account and the interest rate was 2% per year. After five years, how much do you think you would have in the account if you left the money to grow?

  • More than $102
  • Exactly $102
  • Less than $102

Although 43% earned scores of three, meaning they correctly answered all the questions and another 36% received scores of two, 21% got only one or zero questions right. Across all households, the average score was 2.2. Considering that the questions are relatively simple, those scores aren’t good enough and show why financial literacy needs to improve, and not only in the United States. The correct answer in the sample question, by the way, is more than $102.

Financial literacy can be a hard sell for educators, many of whom don’t see the importance of adding it to the curriculum. But it’s a skill all of us need to succeed in life. If you teach a child about financial literacy, odds are he won’t come back to live in your basement after college.

Cannabis Retail Offers Potential Investment Prospects

The role of a merchant banker is in part to provide capital to entrepreneurs and startup businesses that exhibit high growth potential. If you dig deeper, though, what investors are really funding are good ideas that show potential and, moreover, have the potential to disrupt industries.

Possibly the biggest disruption right now in Canada’s consumer market is cannabis. The opportunities that cannabis present are becoming more and more evident to companies around the country, and that means entrepreneurs want to be invested before everyone else gets into the act. In particular, cannabis retail is a promising sector of the industry that is presenting rapid growth potential.

Until April 1st, legal cannabis sales in Ontario were only available through an online government e-commerce store. Today, according to the provincial Alcohol and Gaming Commission, cannabis retail shops and outlets are appearing across the country in Ottawa, Kingston, Toronto, Brampton, Burlington, London, and St. Catharines.

This means millions of dollars of potential investment opportunity for companies that focus on running recreational cannabis stores. To date, large operators have attracted the lion’s share of investment dollars – but there are opportunities for smaller players too.

If you really think about it, smaller players who are looking to expand in high-value markets need capital. They could see outsized returns without requiring the significant capital investments needed by larger players. To boot, entrepreneurs are continuing to find a number of new opportunities in the evolving cannabis industry and one of those opportunities is marijuana-infused edibles. What was once known as the stereotypical “pot brownie” has moved far beyond to products that include infused beverages, candies, tinctures, and cooking ingredients.

For those who prefer a cannabis-adjacent business, information to accompany new products and uses is another important area that offers business opportunities. Putting the right data in front of consumers, and providing them with knowledge, is a need that entrepreneurs can fill.

As the number of legal cannabis consumers increases, so will the business opportunities.

It’s a great time to be a cannabis entrepreneur, but it’s still crucial to be knowledgeable about your product and your business, and more importantly, you still have to be passionate.

The Best Way to Invest Money For Passive Income

The term “passive income” sounds great, doesn’t it? Earning money for little to no physical time or labor. Passive income in reality is an income stream that flows in regularly without too much time or labor, it doesn’t necessarily mean you put forth no effort at all. With passive income the idea is to make an upfront, or front loaded investment of time or money with the hopes of it snowballing later on into a steady income stream requiring little to no time.

There are tons of great ways to invest online and create a passive income streams for yourself and your family. You do need to understand, however, that not all passive income strategies are the same. Some require a lot more time and money than others. That being said, let’s look at the most popular passive income opportunity that everyone is talking about right now.

Peer to Peer Lending or P2P

This is a modern twist on the old school, small town loan office. The idea is basically the same. Individuals loan money to other individuals and then make money on the interest. Usually these types of loans are for people who cannot get traditional financing. Modern technology, however, has taken this idea to a whole new level. Today P2P platforms can make it possible for individuals all over the world to loan money, even in micro amounts, to other individuals all over the world.

Feel Good About Your Investments

Beyond simply being a great way to establish passive income, this can in many cases also be a great way to invest in humanitarian efforts as well. In many instances the loans are being processed for individuals in situations in which they are trying to better themselves. Loans can be used to buy a vehicle, start a business, pay for college or many other noble reasons. Some platforms even allow you to pick and choose the recipients of the loan so that you can feel great about where your money is being used.

Get Started Quickly

This is a great way to get your investment journey up and running because some platforms allow you to begin investing with as little as $25. There are almost no barriers in place to get started which is far different than traditional lending.

P2P lending is one of the most passive of passive incomes because you literally fund the account and then make money. Easy as that. If you would like to learn more about this super easy way to start earning passive income, you can start by reading reviews of individuals who are already making money through platforms like Mintos. Check out this Mintos review to learn more.

3 Tips For Finding The Right Manufacturer To Work With

If you’re running a business but aren’t planning to manufacture all of your product or equipment on your own, then it’s vital that you’re able to find a quality manufacturer to partner and work with. However, doing this can often be much easier said than done. While there might be a lot of different companies out there who manufacture for businesses in the same field as you, your business likely needs something unique to itself when finding the perfect manufacturer. So to help make this task a little easier on you, whether you’re creating your own product from scratch in the healthcare industry or needing to find a way to equip your processing plant in the oil field,  here are three tips for finding the right manufacturer to work with.

Make Sure You’re Ready To Work With A Manufacturer

Before you even start looking for specific manufacturers to work with, you first need to ensure that both you and your business are ready to take this next step. According to Kathryn Hawkins, a contributor to Intuit Quickbooks, you’ll need to come to any meetings with manufacturers with a lot of information about your business and plans for what you’ll need now and in the future. This includes being prepared with a solid business plan, budgets, goals, and your exact manufacturing needs. Without these things, you’ll never be taken seriously by a manufacturer.

Weigh Staying In North America Versus Going Overseas

Once you’re ready to start looking for the ideal manufacturer to work with for your business, you’ll want to weigh the pros and cons for working with a company in North America versus going overseas to get your work done. According to Bennett Conlin, a contributor to Business News Daily, many consumers appreciate products made in America or another North American country, and you can often get a more high-quality product, even though you’ll also have to pay more for it. But if you go with an overseas manufacturer, you’ll generally save money and get larger order fulfilled in a timely manner. It’s all about figuring out what you want, what you need, and what you can afford.

Ask The Right Questions When Vetting Potential Manufacturers

When you’ve decided on just a few manufacturers that will likely work for your business, it’s then time to speak with them about what you’re looking for and what you need. During this vetting process, Richard Lazazzera, a contributor to, recommends that you ask them all types of questions to help you gauge what it’d be like to work with them. For example, you’ll want to know what their minimum order quantity is, the difference between their sample and product pricing, what the turnaround time will look like, how payment will be dealt with and more.

If you’re searching for a manufacturer to work with for your business, consider using the tips mentioned above to help you find the right fit for you.

Investment Tips For The Upcoming Generation

Millenials are next to inherit the financial world, and they are sharper than Gen-Xers ever were in their prime.  Millennials are the first generation that grew up in a tech savvy world, and you better believe they know how to navigate their way around an app.  

The key is to turn your young mind towards the future.  Invest the money you’ve worked hard to obtain, and compound your total nest egg with time and knowledge.  Here are some smart financial investment tips for the upcoming generation.

Find an accomplished financial advisor

If you’re not really in the know when it comes to the world of the stock market, then you will need some help navigating the treacherous waters.  Find an honest financial advisor, as you don’t want to get into any trouble with FINRA (Financial Industry Regulation Authority).  A solid financial investor will have a history of giving great advice, and he/she will be able to prove it.

Start investing as soon as possible

The earlier in your life you begin to build your portfolio, the better.  You will have more years to learn, diversify, and solidify your investments if you begin working the markets early.  The market is also soarly unpredictable, and it’s helpful to have a stash of financial security.

If your employer offers you the option of a 401k, take the offer every time.  The more you can toss into your retirement fund, the happier you will be when you’re old.  

Do not forsake a decent risk

Risk is necessary in life, and there’s a way to take calculated risks.  Financial investment is the place for these leaps of faith, but you have to find a reason good enough to take the risk.  Keep your safer investments like a traditional savings account or a savings bond, but step out of your comfort zone a little to diversify your portfolio.  

Don’t let your investments manage themselves

Be an active investor.  When you make an investment, don’t just let it sit.  Watch the market, and keep an eye out for a buying or selling opportunity that could bring in a higher ROI (return on investment).  

Keep your debts as low as possible

You’re still young, so hopefully, you haven’t already built up an excessive debt.  Even if you have, start working to pay down your debts.  Your future takes time to build, and relieving your identity of stray debts will help you go further.  

Start by taking a thorough inventory of your financial history.  Get a credit report from all of the most vital credit reporting agencies, and sift through every entry for errors.  Many people allow financial errors to weigh down their credit score, when a simple dispute of the charges could make them disappear.