Fonteinen (Dutch pronunciation: [fˈna.t͡eɨns], also called 3 Fontein) is an original light beer from the famous brewing business of Fontein, located in the northern part of Netherlands. This beer is made by using mostly malt extract and yeast from local hops plants. It’s named after the town of Fontein situated on the West coast of Cape Town, which has become one of the most popular tourist destinations in South Africa for tourists who like to visit beer gardens. Many international brewers are now producing it outside of the original home country.

Having an interest and knowledge of business plans and investing, I decided to create my own business using a unique combination of 3 F finance sources. The unique combination enabled me to invest much money in my business without borrowing much money or going through expensive capital gains tax. I was able to do this because I did not use my own personal credit or bank loans to finance my business. The 3 F finance sources I used are:

Angel Investor. This is actually the cheapest source of funding. If you are just starting out and have little or no cash, you can rely on your existing business idea to provide the money you need. It doesn’t even have to be your primary business. In my case I’m using my business idea to generate the capital required for my business. You’ll need to find an angel investor willing to risk their investment, which means they will need to be someone that you have already made contact with.

Business Loan. This is a bit more expensive than an angel investor. However, you are leveraging your existing credit line, instead of using your personal credit or bank loan. This is why it is my preferred method of borrowing money. I usually secure a business loan using my home equity, because it has more flexibility. This capital will give you the money you need to hire employees and take your business to the next level.

Business Line of Credit. This is another option for people that have access to their home equity. Again, you are leveraging your equity. You are able to obtain a business line of credit at a very low cost compared to obtaining a business loan. I typically use my line of credit for general spending such as purchasing office equipment. You can also use it to expand your business.

Business Plan. Once you have secured your business loan and obtained your business line of credit, you need a solid business plan. Your business plan will provide you with a plan for generating future income. It will also show how you intend to pay back both the debt and equity you have used.

Budget. This is perhaps the most important part of starting your own business. Without a budget you will spend money you don’t have. This will lead to financial difficulties in the future. Establishing a realistic budget will help you know what your monthly income will be and how much you need to spend on certain expenses such as supplies, rent, equipment, and advertising.

Start Small. One of the reasons why it is so difficult for many people to start their own business is because they jump in with both feet. They have high expectations for their business. Unfortunately, they usually end up with a business that is smaller than they envisioned. When you know what you can afford, you won’t be tempted to spend more than you can afford. Always start small and build your business over time.

Work with creditors. The best way to avoid building financial difficulties is to work with your lenders to establish a repayment plan for your business. As you repay your business debt, you will get a reduction in interest rates and you may even get fees eliminated or reduced. Don’t ignore your lenders and follow through on all their instructions.

Close accounts. Always close accounts that have no longer been used or are account numbers that are unappealing to you. This will ensure that you don’t keep them open because you are building credit. If you do not have sufficient credit to get your business off the ground, you will definitely have problems getting new clients or getting new financing in the future. This can negatively affect your credit rating.

Educate yourself. Read as much as you can on all aspects of your business. It is also helpful if you attend seminars or take courses to improve your business. This will help you learn what to do in a crisis, what legal actions you should take and how to manage finances. You need to stay ahead of any problems or you could find yourself in financial trouble and out of business.

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