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BEST BUSINESS TO START WITH 10K in Nigeria 2021: The Top 20 (+free guide)

In Nigerian economy, there are many businesses to start with huge investment or capital but we rarely discuss those best business to start with 10K. So, I decided to work on them and yes, they are here to guide as you navigate through life.

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Let us get into a list of best businesses to start with 10k in Nigeria. From thorough research, there are quite a several profitable businesses that you can venture into with this capital in Nigeria.


With the rate of unemployment in Africa, many average citizens live without means of income. Individuals are moving about, begging for money, trying to navigate through ways to make money because there is no stable source of livelihood.

But you can live a quality life without depending on anyone, by venturing into many low businesses to help your source of livelihood. With the situation of Nigeria, it has forced many people to start their own business. So, if you are one of them, wondering what you can sell with 10k, here are the best business to start with 10k in Nigeria:

BEST BUSINESS TO START WITH 10K

BEST BUSINESS TO START WITH 10K

1) Selling of bottled drink or bottled water:

This is quite an easy business but as easy it looks, it is not so easy. It is something people consume every day. People want to have cold drinks for hydration and no one can live without water. If you are in a densely populated city like Lagos, then this is the best bet, and ₦10,000 or less will come in handy.


First off, acquire a space in a boisterous area in your vicinity. It can be a bus terminal or a particular joint. Buy a cooler, umbrella for a shield, iced water, a little signboard to inscribe, “Buy your Cold minerals and water here. You can as well, expand to add a recharge card to it.

2) Production of Popcorn:

There will always be a need for something people want to use to quench hunger, and snacks will come in handy. We are ever ready to buy snacks. Popcorn is one of the fastest-selling snacks. It’s easy to eat because one can eat it at home, when walking on the road, in their shops, in a vehicle or cinemas. To start a popcorn business, necessarily doesn’t require you, acquiring a shop, hence why it’s pegged as one of the best businesses to start with 10k. It needs an environment with high sales.

To start, buy a machine, corn, butter, groundnut oil, sugar, salt, flavour nylon, and powdered milk. You don’t need to acquire or rent a shop because you can as well, partner with someone that owns one. Or you can get a busy place outside and acquire an umbrella. All you need is to settle the local government council.

A small popcorn machine goes as low as ₦8,000, ₦3,000 for an umbrella, and a bag of corn goes for ₦5,000.

Guideline on How to Make a Popcorn


Scoop 3 tablespoons of oil, ½ teaspoon of salt, ½ cup of popping corn, 3 tablespoons of butter melted in a large quantity, heavy-bottomed saucepan. Then, pour the oil, salt, or sugar and popping corn. Switch the heat to medium, close the pot with a lid left ajar, and shake once or twice. Slowly, the corn kernels to pop within a minute or two. Once the popping calms slowly to an almost a stop, remove the pot from the heat. Move the popcorn to a huge serving bowl and drizzle with melted butter, tossing well to combine. Add more butter or salt, if preferred, then add powdered milk.

But starting, you can carry out the practical at home to get acquainted.

Read More: Guideline on How to Make a Popcorn

3) Sales of DVD/CD

This is one of the lucrative best business to start with 10K. Even in this age of social media and smartphones, there are still people ready to patronise music and movies DVD/CD. Its booming market sales are India, Chinese, American and the Philippines. A huge money-making best business to start with 10K.

Most of the DVD/CD sets are sold at 150 naira to retailers. And wholesale prices at Alaba, go for just a meager ₦25. And most DVD movies come in different parts e.g Season 1, 2, 3, and up to 12. Again, you don’t need a shop. The sellers, stay in busy spaces and display their DVDs on a table.

4) Phone Accessories:

Every day, most phone users are faced with one or two issues. Either battery, charger, or earpiece. So, this can come in handy with just 10k. It’s lucrative, especially if you are aware of the market concentration.

To start, you can partner with a bigger shop, preferably computer village, buy some of the products and get supplied with others while you pay later.

5) Food Business:

If you are in Lagos, people always want to eat. We like food. When we are broke, we will buy food. Have you thought of investing 10k in the food business? Yes, you heard 10k. It is one of the best businesses to start with 10K. All you need is to set up a shop where you sell your food. It necessary doesn’t have to be a shop but a standard busy place where you get tables, umbrella, and chairs to sell food to hungry masses.

In this kind of business, if you start, you can gauge the number of your customer that patronise you to prevent wastage. There is no loss because when there are no sales, you can have the food for your household.

Read More: Download 500+ business plans for any business

6) Dry Cleaning:

In this business, for a start, you need only 10k. It is a little capital to buy iron, detergent, pressing stool, new bowls, and fetch water if you live in an urban city where gallons of water is sold.

You might be shocked to find out that many people in Nigeria, don’t like washing clothes themselves. From 10k, after your profits increase, you will acquire a generator, washing machine, etc. Generator, because of non reliance on electricity in Nigeria. Everything is step by step.

Read More: Start-ups and Laundry Equipment

7) Recharge Card:

Here, profit might be minimal but the turnover is huge from research amongst SME. It is quite easy to sell 10k recharge if you are in a busy terminal point. Selling the recharge card, it is pertinent to stay in a target location. The recharge card business is a huge catch.

8) Motivational Books:

It’s quite profitable, especially in Nigeria. Most of the motivational books with catchy titles like, “How to make millions in a year.” “How to Keep your marital home,” etc. Well, many of the people you see on the roads, selling motivational books might not be quite affluent, but they are not poor to the extent of not having a roof over their heads or anything to eat. With only 10k, you can buy enough books and make as much as 2k from just a book.

9) House Agent:

If you are in Lagos, I don’t know if there is a spirit that chases Lagosians. They change the house often for various reasons. Either because of money issues and they are looking for a cheap house. Or they just cashed out and want to move to a more comfortable place. Here, there is huge profit. You need to know many landlords.

One of the best businesses to start with 10K and with the money, all your needs are just a mobile phone and an ID card. And with less than 10k, most things are sorted, to acquire contacts of various landlords.

Read More: Business Ideas for Women to Start

10) Newspaper Vendor:

Recently, I used to think many Nigerians no longer read newspapers, but I found out most vendors sell out their products every day. Again, good thing is, you don’t run on loss. You can return the paper to the publishers if you don’t sell out. Many of them make a lot.

If you are agile, you can sell in traffic congestion or a big estate’s gate. With 10k, you get a new table, chair, and umbrella.

11) Customisation of T-shirts:

I am talking about heat transfer printing. It is a hard task getting clients but when you do, it is a market boom. Maybe people that are going on a protest or any other event and want to print in mass production.

You need your 10k in sourcing clients, printing posters, and advertising aggressively on social media.

Read More: Start-up Business Ideas

12) Refreshment:

In most cases, when you think about the idea, your main question, will be, “where will I find a shop where I will pay 10k per annum?” Because it’s what you have at that time.

There are variants of refreshments sold in Lagos traffic but most importantly, there are alternatives like Zobo, Kunu, etc. You can get its ingredient for manufacturing at a cheap rate and supply to different retailers. What consumers want, its quality and they keep returning.

13) Food Items:

Like in selling food, it’s the same for food items. No one cares if they are rich or poor. They will use their available money to buy food items. They can even beg to buy them. People are always eager to satisfy their stomachs.

With 10k, you can start with s small scale, then move up later. Start with selling little quantity of garri, beans, palm oil, yam, spices, etc.

14) Vegetable:

Unlike in rural parts of Nigeria, where almost everyone has their gardens, this is rarely applicable to them. But if you stay in the city, especially Lagos, then this is for you.

Lagosians are eager to get fresh vegetables for consumption. An acre of land costs three thousand naira. You can get two to plant products, use about 2k to acquire manure & others till the vegetables bloom and you use the remains to transport to the retailers & final consumers.

15) Freelance Writing Business:

It is a business where you get paid for delivering to your clients. For writers, they write for clients or publishing companies via, blog posts, sales letters, copywriting, reviews, descriptions, articles, etc.

It doesn’t require much capital, except for your phone or laptop. You, power your gadgets but must have data for researching and delivering to your clients.

16) Poultry Business:

This is on the list because it is varieties of raising many domestic birds like chicken, turkey, and all others. It is quite popular in Africa and had been the fastest-growing agricultural business ideas. And at most, the best business to start with 10K. It can be done in the comfort of your home.

17) Social Media Marketing:

Since the advent of social media, it had been offering another concept of selling through social media marketers. Many young lads, have monetised it through various social media outlets e.g Facebook, Linkedln, Twitter, or Instagram.

Many of the marketers are people with huge followings, many years or months of building their safe space. You don’t need much capital here, except for constant data to build your network.

18) Small Scale Agriculture Business:

It includes the breeding, production, and distribution of crops, farm machinery processing, seed supply, marketing, and promoting retail sales.

It can be from a little space and investment. There, you can plant some crops, in small or vertical containers. Or if you are lucky to find a little planting area in your place, then you are good to go.

Read More: List of Top Agricultural Grants in 2020

19) Fish Farming:

This has been blooming as one of the profitable businesses in Africa. Quite a many individuals had been delving into it compared to before. It allows people to rear fishes for others.

It can begin on a small scale with only 10k, setting up your fish pond using 1000 litres of an open plastic container.

20) Small Chops:

This is one for the fast rising best business to start with 10k. It can be in the comfort of your home or a shop/outlet. It is irresistible and you make them based on customers’ orders. You need essential tools like egg beater & your business is done.

Business Yield Idea generator

What makes this the best anyone can find online is that this generator is purely done by humans not a set of algorithms or Artficial intelligence.

Humans gather data and do a quick but detailed research based on the information you provide. It’s simple, answer a set of quick and easy questions and your business ideas will be on your email in less than 24hrs.

24hrs because this is the most feasible idea generator as it takes into consideration, your budget, intended startup locations, talents and skills, available time you can give the business etc. Based on these data with extensive feasibility study and just little token, you would have list of ideas sent to your email with links to give you access to instant business plans, Business model canvas and upto 3 years financial analysis to help you get started for the business.

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Investment

BITCOIN CASH: Definition and Investment

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Bitcoin-Cash

What is Bitcoin Cash


Bitcoin is a cryptocurrency invented in 2008 by an unknown person or group of people using the name Satoshi Nakamoto and started in 2009 when its implementation was released as open-source software. Bitcoin cash is a cryptocurrency created from a fork of Bitcoin

The History of Bitcoin Cash

In 2010, the average block size was less than 100KB for the average BitCoin blockchain fee of two cents, that was important. This has been done, that is, his vulnerable blockchain movement, will be made up entirely of purchase transactions, which could have given the power to slash his own in the system. Do not be such a state, it is in the block by means of the scale of the discussion was limited to 1MB, the BitCoin blockchain.

For every 10 minutes, the block was generated, allowing them to provide a space between a lead and the time of each transaction. And limiting the size required to generate a block added another layer of security for the BitCoin blockchain.


But this protection is a hindrance for them when they pulled out carrots, BitCoin gained a greater awareness of the court’s potential improvements. The average size of 600K and a block that increased in January. 2015.

The number of transactions increased BitCoin is not an accumulation of confirmed transactions. The average trade to confirm the upward movement. Therefore, in reality, and in the increased confirmation fees, weakening BitCoin’s argument as credit card processing systems is an expensive competitor. (For transactions in the BitCoin blockchain fees, questions take their kind of users. Miners are usually a punishment because you have to push transactions to the top of the queue to maximize your profit with the previous soldiers. , for the majority.)


Two solutions are proposed by the developers to solve the problem of the increase in average size or to exclude any cause and the block becomes more information on the blockchain. Within the core team, BitCoin, responsible for the development and maintenance of the algorithm, BitCoin has the power to stop the proposal to increase the block size.

During this time, the new part with a flexible block size was created. However, BitCoin ft piece of the new district is called the Fight Profit Strip, leading to doubts about the viability of the money for day to day business.

In the first place, they made for the discussion of this proposal, too, acute, he also tapped into an opposite district, BitCoin of the city. Mountain mining is producing food so that it is Bitmain reluctant to support Segwit’s implementation of sales, formed in columns, which does not affect its AsicBoost line.

The patented technology offered as a mining machine contained a “short” because it is not used to generate hashes for the crypto ore mining industry. However, it is more expensive to operate, BitCoin Segwit machine makes it difficult to reorganize transactions.


Amid such a great war of words and phrases, out of the reach of the danger of mines, and use in the Assembly of States was launched in August 2017. North Korea, BitCoin cryptocurrency, BitCoin equivalent to the amount of money he receives, thus multiplying the number of money owner, BitCoin Cash and that would be. BitCoin’s cryptocurrency cash exchanges debuted at an impressive price of $ 900. The majority of cryptocurrency exchanges not without reason do not count BitCoin Cash and in the director’s transactions.

But this withdrawal from vital support Bitmain, the world’s largest cryptocurrency mining platform. It is the most reliable money supply commodity trade with India, BitCoin cryptocurrency was launched. The highest price would be in cryptocurrency BitCoin Cash skyrocketed to $ 4,091 in December 2017.

Paradoxically, this turned out to be a little over a year, enough for a fork, BitCoin Cash because of this, as a result of the same, BitCoin was split later. In 2018, BitCoin 500 Cash Cash is divided into BitCoin ABC BitCoin and Cash SV (Satoshi Vision). This time it was incorporated through the use of concordance; Discordacio has offered protocol updates and an improved consumer contract block on the medium-magnitude BitCoin blockchain.

Cash BitCoin ABC uses the original client, BitCoin cash, but the changes were incorporated blockchain most cases is understood as this transaction and route Price (Victor) – rearrange this and block transactions in order to access the properties.

How to Invest in Bitcoins

Many Bitcoin supporters believe that digital currency is the future. Many who agree with Bitcoin believe that it facilitates a much faster and inexpensive payment system for transactions around the world. Although not backed by any government or central bank, Bitcoin can be traded in traditional currencies; In fact, its exchange rate against the dollar attracts potential investors and traders interested in currency games.

Indeed, one of the main reasons for the growth of digital currencies such as Bitcoin is that it can act as an alternative to the national currency and traditional commodities such as gold.

In March 2014, the IRS announced that all virtual currencies, including Bitcoin, would be taxed as ownership rather than currency. The gains or losses of Bitcoins held as capital will be recognized as capital gains or losses, while Bitcoins held in stock will result in normal gains or losses.

Selling bitcoins that you have mined, buying them from another party, or using bitcoin to pay for goods or services are examples of transactions that can be taxed.

Like any other asset, the principle of buying low and selling high applies to Bitcoin. The most popular way to get cash is to buy from the Bitcoin exchange, but there are many other ways to earn and own Bitcoin.

Buying Bitcoin Cash

Buying Bitcoin cash is not difficult. The first thing you’ll want to click on it to make the deal you’re interested in. In so far as the offer of the gifts of the page you’d like to compare the account of the system.

The page also provides details of the seller. `Make for thyself the review is, between their edits, and fame. You can also click to view the seller is the name of them to view the profile details. The page also includes the words so you can understand how it expects the exchange to the seller, for example, something like that “deposit money in a bank account in detail and provided by chat.

When the trade is opened, with the seller to create a homepage Trade. This includes the encrypted session and you can chat with the seller and fully able to talk to you.

A good is a practice, he sent to them, as a quick one messenger to signify that you are well prepared, that they might trade with them sources of information and work together to make provision for, such as “I am ready to do, to trade with, to please your bank to provide for data transfer”. If you’re not sure it is not, just ask the seller; Aiming to be the first step to start a business.

Author dark side, and they are obligated to maintain Escrow escrow BCH. The way to communicate with the seller, and once again it delivered to you while you chat to them. When the price of carrots click on “Marcus expenses” button to accept them. When, however, they have their reward with me, to the end, and they were too strong for her, and he that is in you to put the money in the escrow.

Once escrow is released into the bag of money to the home page and you BitCoin room – anything to complete a hat! According to the author of homework to fine or in your hands. It can also provide feedback to you, which is the same as the seller is from the buyer. Tomorrow is built a site in a report on behalf of all of its parts.

To success in Bitcoin Business, you need to have a little knowledge of FINANCIAL ACCOUNTING

Accepting Bitcoin Cash

It’s easy to start accepting Bitcoin Cash in your business, and there are several benefits to doing so:

  • Ultra-Low Fees: The network fee for a typical Bitcoin Cash transaction is less than one penny
  • No Chargebacks: Unlike credit cards, there are never automatic cancellations, refunds, chargebacks, or fraudulent charges.
  • Free Marketing: By accepting Bitcoin Cash, traders can get free listings in website and app directories

If you feel Bitcion is not the right business for you, you can check our list of Best business to start with little money right now (+ all you need to start)

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Business

INCOME BOND: Definition and Detailed explanation

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INCOME-BOND

Maybe you’re an investor and seeks to know what an income bond is but, don’t know who to ask. Good thing you’re here. This article will give you all the details you need to know about income bonds including the basic tips, restructuring and it benefits the issuer.

What Is an Income Bond?

An income bond is a type of debt guarantee in which the investor promises to pay only the face value of the bond and coupon payments are paid only if the issuing company has sufficient profits to pay the coupon payment. In the context of corporate bankruptcy, an adjustment bond is a type of income bond.

Basic Tips

An income bond is a bond that promises only the repayment of capital and does not guarantee any interest rate or coupon. Instead, interest is paid to creditors as income flows to the issuer as specified in the banknote specification.


Lease bonds are often issued during a corporate debt restructuring, for example, after the deposit of Chapter 11 in bankruptcy.

Detailed Explanation

A traditional corporate bond is one that makes regular interest payments to bondholders and, upon maturity, repays the principal investment.


Bond investors expect to receive the reported coupon payments periodically and are exposed to default risk if the company faces solvency problems and is unable to meet its debt obligations.

Bond issuers that have a high level of default are generally given low creditworthiness by a bond rating agency to reflect that their securities issues have a high level of risk. Investors who buy these high-risk bonds also require a high level of return to compensate them for lending their funds to the issue

However, there are a number of cases where the guarantor does not guarantee a coupon payment. The face value in maturity is guaranteed to be paid, but interest payments will only be paid based on the issuer’s income over a period of time.

The issuer is responsible for paying coupon payments only when he has income in his financial statements, which makes such issues profitable for the issuing company that is trying to raise the capital needed to grow or develop its business. activity.


Interest payments on income securities, therefore, are not adjusted but vary depending on the particular level of income that the company considers to be sufficient. Failure to pay interest does not result in a loss as would be the case with traditional securities.

Debt Restructuring and Income Bonds

Revenue securities are a rare financial instrument that generally has a corporate purpose similar to that of preferred shares. However, it is different from the preferred shares in the late dividend payment and the preferred shareholders are found in the following periods until they are paid. Providers are not required to pay or receive any unpaid interest on income guarantee at any later time.

Revenue bonds can be arranged so that unpaid interest payments are increased and matured during the maturity of the bond issue, but this is not usually the case; therefore, it can be an important tool in helping an organization to avoid bankruptcy during a financial crisis or reorganization.

Lease bonds are often issued by companies with a problem in trying to get money quickly to go bankrupt or by bankrupt companies in restructuring programs that seek to maintain their operations while bankrupt. In order to attract investors, the agency would be willing to pay a higher bond rate than the average market rate.

In the case of a Chapter 11 bankruptcy resolution, a business may issue revenue bonds, known as restructuring bonds, as part of a company’s debt restructuring to help the business cope with its financial difficulties.

The terms of such collateral often include the clause that when a business generates good revenue, it must pay interest. If the income is negative, no interest payments are due.

Revenue bonds look similar to the shares you prefer. If no dividend is paid on preferential shares in a given year because of insufficient income, dividends are collected for that year and paid the following year if there is sufficient income.

This is not the case with income bonds, and therefore is different from each other. In the end, although it involves the creation of an instrument, it resembles an agreement between two parties and can be arranged according to the wishes of both parties.

How Does Income Bond benefit the Issuer?

This type of bond works very well in times of financial crisis or financial health of a company, as long as investors believe in signing up. The direct benefit of this guarantee is that it can prevent the company from going bankrupt.

NSI Income Bond

NSandI is a UK-based savings organization dedicated to raising low-cost government funding from the public. Revenue bonds are one of the many NSI savings products offered to the public.

Who can open an Income Bonds account

NSI Income Bonds are available to an individual aged 16 and over. You can create a Revenue Assurance account for yourself or someone else as a joint venture Account.

You can also open one as a deposit for sponsors (also as a company) Sponsors), whether alone or in partnership with other sponsors. Beneficiaries of Investments must be made to individuals.

Any company that had an Revenue Guarantee Account up to and including January 1, 1990
keep holding and investing in an account.

You can open as many Revenue Assurance accounts as you wish, but there is a hold limit
(See “How much can you keep?”).

How to open an Income Bonds account

When you open an account, you can request:
• Online or by phone with your UK payment card
• By post using a personal cheque drawn on your UK bank or building society
account, or a banker’s draft or building society branch cheque.

If you are an attorney or an agent asking for an account on behalf of someone else, you are
You must apply by post if your authority is not yet registered with us. (Please note
General terms and conditions – “Application as an attorney or representative or trustee”.)

Related: Funding Opportunity – GrayMatter Capital

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HOW TO ATTRACT INVESTORS TO YOUR BUSINESS [Mastery Guide]

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How to attract investors

It is very important to save money throughout the business development process. Running your business right from startup from your purse will take longer than anticipated. It is highly recommended you know how to attract investors to your business and as well have a well-thought-out plan in place to reduce the time, effort, cost, and energy necessary to be successful.


It is no news that with financial support your business can experience exponential growth and reach its success potential. No man is an island, and no business is one either, so don’t shy away from reaching out to investors to inject the needed cash to boost your business.

The process of searching for an investor is an investment in its own right, but if you rightly apply your efforts in the usage of time, money and energy during your pursuit, you will have a higher chance of reaching your set goals.

Here are various proven ways of attracting investors to your business. Try to peruse with keen interest, comprehend, and apply the knowledge in attracting the investors your business need.

Knowledge of your investors

It is generally believed that what you know, you stand a better chance of attracting. In most cases, you don’t sit down at a place and expect investors to troop to you. Just like the same way you look for your product’s target market, look for your investors. You can take some time researching about the investors. Pay proper attention to the kind of investors you did want. This will help give you ideas for what they’re looking for, which in turn helps you save time and energy.


Knowing them on a personal level is a big up to you. Find investors with beliefs and interests similar to yours. It did be a whole lot easier to connect with them.

Read More: How to Penetrate your market with ease[6 ways]

Meet budget milestones

Investors want to be guaranteed that your business can give them the returns they want. And one of the ways of convincing them is to show what you are capable of. They consider the best businesses to be those with proven customer discovery. You will need a budget to get your first customers and make sure that a match exists between your business and the market. Once you succeed in reaching some milestones, you can move to pitch to investors.

Investors are sure to be attracted to your business because you have shown that you have a track record of delivering. You also need to factor in the cost in terms of expenses and travel as you seek out investors. This is because pitching investors can run into months.

Read More: How to win price way

Lean towards crowdfunding

In answering the question of how to attract investors to your business in recent times, the term crowdfunding is sure to come up. Crowdfunding is a recent form of attracting investors to business and raising capital. Crowdfunding is mainly done online. It involves posting your business idea on a crowdfunding site and letting your potential investors find it on the site. It is a way of announcing what you do to the world.


Crowdfunding can benefit all kinds of entrepreneurs, irrespective of the stage they find themselves. This is due to the fact that it has a global reach to people once there is an internet connection. Depending on how it goes, you might either get all or some of the cash you need. So when next you think of how to attract investors to your business, think crowdfunding.

Familiarize with your pitch

Your ability to attract a certain investor to your business might boil down to your pitch, and you sure have to get it right to attract such investors. At this point, no slip up is expected of you, and you have to take measures so as not to slip up.

You have got to rehearse your pitch to know it very well, know your facts like you know your name, though you don’t have to be robotic. In preparation, you have to anticipate their questions and have answers ready for them.

Be articulate, show some level of calmness, don’t be defensive or aggressive. And be sure to know your numbers so as to make the right decisions on the spot.

Knowledge of your market

As earlier established, most of your efforts should be geared towards convincing investors that your business is worthy of their investment. And you can prove that by showing how well you know your market.

Before pitching, make a thorough research about your target market. Have the numbers right and available to the investors. Let them know how in-demand your product or service is, how well you know your consumers, as well as how to get to them.

Show your potential investors how different you are from the competition if there are any. They are also better convinced when they know the growth potential of your business and the marketing strategy you intend to adopt. When next you are thinking of how to attract investors to your business, you did have a better answer nestled in your head.

Attracting investors can be quite a tedious task as are other facets of running a business. With proper drive and dedication, business targets are sure to be met. But if as a business owner you have asked the question, how do I attract investors to my business, I am sure you now know better ways of going about it.

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