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Discusses excellent options for small business owners who need financing, based on both research and his own success in establishing businesses.  See


Here's our now-famous #GoldenInfoNuggets of the models (ADDITIONS follow):

  • The Customer-Funded Business MATCHMAKER model "brings buyers and sellers together, never owning the product being sold. Some examples include real-estate brokers, eBay, Expedia and Angie's List. They earn their commission as middlemen. The book presents the case history of Airbnb, which started in 2008 and has grown into a global booking system that monetizes people's extra space. The company now offers more than 800,000 listings and has served more than 18 million customers in 192 countries so far."  (Another example from website: the US company DogVacay)  John Mullins/@John_W_Mullins   

  • The Customer-Funded Business PAY-IN-ADVANCE model:  "In some industries, customers pay suppliers in advance for at least part of the price of goods or services before receiving anything. Examples include consultants, architects, tax preparers and financial planners. The book discusses, an Indian travel company that started in 2006 and has grown into India's largest travel business with more than $500 million in sales."  (Other examples from website:  the USA’s Threadless, India’s Via and Loot)  John Mullins/@John_W_Mullins 

  • The Customer-Funded Business SUBSCRIPTION model:  "The customer agrees to purchase an item that is delivered repeatedly over an extended timeframe. Newspapers and magazines ask you pay up-front for subscriptions weeks, months or years in advance. Other examples are maintenance contracts on your cars, appliances and computers. The book cites India's TutorVista, which helps more than 10,000 students per month with homework in their own homes."  (Other examples from website:  India’s TutorVista, the USA’s H.Bloom) )  John Mullins/@John_W_Mullins

  • The Customer-Funded Business SCARCITY model:  "What's offered for sale is restricted to a limited quantity for a limited period, and the seller's supplier is paid after the sale is made. After the merchandise is sold, no more is available. Mullins cites the "flash sales" concept pioneered in France by Jacques-Antoine Granjon, is which the unwanted inventory of high profile brands is sold. Using this concept, Granjon was able to create a business selling more than 200,000 items across eight European countries."  (Other examples from website:  Spain’s Zara, France’s Vente Privée, the USA’s Gilt Groupe) )  John Mullins/@John_W_Mullins

  • The Customer-Funded Business SERVICE-TO-PRODUCT model:  "Businesses start by providing a customized service and eventually use their expertise to deliver stand-alone packaged solutions. A good example is Microsoft. Bill Gates and Paul Allen initially had a contract with IBM to develop an operating system for IBM's personal computer. Subsequently, they won contracts with other PC manufacturers. Then they started delivering packaged software products, transforming their service business into a product business."  (Other examples from website: Denmark’s GoViral, Puerto Rico’s Rock Solid) )  John Mullins/@John_W_Mullins  


  • - Mainly Debt Capital, but some offer part or all required Capital for Equity

  • Non-Equity Crowdfunding - any state, country - 
Kickstart.comGoFundMe.comIndieGoGo.comCrowdRise.comRocketHigh.comInvested.In (self-styled template), etc.  See "A Guide To Successful Donation-Based Crowdfunding," Amelia Oliver, Lex Mundi Pro Bono Foundation,