{"id":383,"date":"2018-10-24T10:53:11","date_gmt":"2018-10-24T10:53:11","guid":{"rendered":"https:\/\/saigonbiz.com.vn\/demo\/?p=383"},"modified":"2021-08-20T16:16:18","modified_gmt":"2021-08-20T09:16:18","slug":"khoan-vay-chuyen-doi-nha-dau-tu-nam-dang-chuoi-startup-khong-so-ban-ho-nhung-cung-la-hinh-thuc-dau-tu-khong-mao-hiem-thieu-cam-ket-va-niem-tin-giua-hai-ben","status":"publish","type":"post","link":"https:\/\/saigonbiz.com\/vn\/khoan-vay-chuyen-doi-nha-dau-tu-nam-dang-chuoi-startup-khong-so-ban-ho-nhung-cung-la-hinh-thuc-dau-tu-khong-mao-hiem-thieu-cam-ket-va-niem-tin-giua-hai-ben\/","title":{"rendered":"Kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i: Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm \u0111\u1eb1ng chu\u00f4i, startup kh\u00f4ng s\u1ee3 b\u00e1n “h\u1edb” nh\u01b0ng c\u0169ng l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00f4ng \u201cm\u1ea1o hi\u1ec3m\u201d, thi\u1ebfu cam k\u1ebft v\u00e0 ni\u1ec1m tin gi\u1eefa hai b\u00ean?"},"content":{"rendered":"


\n\u201cN\u1ebfu kh\u00f4ng ph\u1ea3i v\u00ec v\u1ea5n \u0111\u1ec1 th\u1eddi gian gi\u1ea3i ng\u00e2n m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00f9ng h\u00ecnh th\u1ee9c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, t\u1ee9c l\u00e0 h\u1ecd mu\u1ed1n b\u1ea3o l\u01b0u kho\u1ea3n v\u1ed1n \u0111\u00f3. H\u1ecd mu\u1ed1n s\u1ef1 an to\u00e0n. Nh\u01b0 v\u1eady cam k\u1ebft c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u01b0a th\u1ef1c s\u1ef1 m\u1ea1nh m\u1ebd v\u1edbi startup b\u1eb1ng h\u00ecnh th\u1ee9c m\u00ecnh \u0111\u1ea7u t\u01b0 v\u1ed1n mua c\u1ed5 ph\u1ea7n th\u00f4ng th\u01b0\u1eddng\u201d, \u00f4ng Nguy\u1ec5n V\u0103n Doanh nh\u1eadn \u0111\u1ecbnh.<\/strong><\/p>\n

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B\u1eaft \u0111\u1ea7u t\u1eeb th\u01b0\u01a1ng v\u1ee5 \u0111\u1ea7u t\u01b0 c\u1ee7a Shark Th\u1ee7y \u0111\u1ea7u t\u01b0 v\u00e0o Soya Garden \u1edf m\u00f9a 1, kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i tr\u1edf th\u00e0nh h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u00e1c Shark”chu\u1ed9ng” trong m\u00f9a 2 c\u1ee7a Shark Tank Vi\u1ec7t Nam, \u0111\u1eb7c bi\u1ec7t l\u00e0 Shark Ph\u00fa. Trong 3 th\u01b0\u01a1ng v\u1ee5 th\u00e0nh c\u00f4ng c\u1ee7a m\u00f9a n\u00e0y – m\u1edbi nh\u1ea5t l\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o startup trung t\u00e2m tri\u1ec3n l\u00e3m y\u1ebfn s\u00e0o Vi\u1ec7t Nam Vibec – Shark Ph\u00fa \u0111\u1ec1u ch\u1ecdn h\u00ecnh th\u1ee9c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, m\u1ee9c l\u00e3i su\u1ea5t 15 \u2013 20%, cao h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng. V\u1eady kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i c\u00f3 l\u1ee3i v\u00e0 h\u1ea1i g\u00ec cho startup? L\u00e3i su\u1ea5t g\u1ea7n 20% m\u00e0 c\u00e1c Shark \u0111\u01b0a ra c\u00f3 h\u1ee3p l\u00fd? V\u00e0 c\u00e1c startup trong ho\u00e0n c\u1ea3nh n\u00e0o th\u00ec n\u00ean ch\u1ea5p nh\u1eadn kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i?<\/p>\n

Kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i: h\u00ecnh th\u1ee9c “lai” gi\u1eefa \u0111\u1ea7u t\u01b0 mua c\u1ed5 ph\u1ea7n v\u00e0 cho vay c\u00f3 l\u00e3i su\u1ea5t, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm \u0111\u1eb1ng chu\u00f4i, startup c\u0169ng kh\u00f4ng s\u1ee3 b\u00e1n “h\u1edb” <\/span><\/b><\/p>\n

T\u1ea1i workshop “L\u1ee3i v\u00e0 h\u1ea1i c\u1ee7a Convertible Note”<\/i> do StartupLAW t\u1ed5 ch\u1ee9c m\u1edbi \u0111\u00e2y t\u1ea1i TPHCM, \u00f4ng Nguy\u1ec5n V\u0103n Doanh \u2013 CEO v\u00e0 Founder StartupLAW cho hay kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i ch\u1ec9 l\u00e0 s\u1ef1 “lai” gi\u1eefa vi\u1ec7c \u0111\u1ea7u t\u01b0 mua c\u1ed5 ph\u1ea7n v\u00e0 vi\u1ec7c cho vay l\u1ea5y l\u00e3i b\u00ecnh th\u01b0\u1eddng:<\/p>\n

“Kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i <\/b>k\u1ebft h\u1ee3p vi\u1ec7c \u0111\u1ea7u t\u01b0 c\u1ed5 ph\u1ea7n v\u00e0 kho\u1ea3n vay. N\u00f3 v\u1eabn l\u00e0 kho\u1ea3n vay, \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 ti\u00eau ch\u00ed c\u1ee7a m\u1ed9t kho\u1ea3n vay, startup c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n cho nh\u00e0 \u0111\u1ea7u t\u01b0. Nh\u01b0ng c\u00f3 th\u00eam m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 quy\u1ec1n ch\u1ecdn chuy\u1ec3n \u0111\u1ed5i kho\u1ea3n vay \u0111\u00f3 th\u00e0nh c\u1ed5 ph\u1ea7n c\u1ee7a startup”.<\/p>\n

Theo \u00f4ng Doanh, m\u1ed9t \u0111i\u1ec3m l\u1ee3i r\u00f5 th\u1ea5y nh\u1ea5t c\u1ee7a h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 n\u00e0y l\u00e0 s\u1ef1 nhanh ch\u00f3ng: “Th\u01b0\u1eddng th\u00ec kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i r\u1ea5t nhanh, hai b\u00ean \u0111\u1ed3ng \u00fd k\u00fd tho\u1ea3 thu\u1eadn l\u00e0 startup nh\u1eadn ti\u1ec1n li\u1ec1n, v\u00ec c\u00e1c b\u00ean \u0111\u00e3 c\u1eaft ng\u1eafn r\u1ea5t nhi\u1ec1u nh\u1eefng kh\u00e2u kh\u00e1c nh\u01b0 th\u1ea9m \u0111\u1ecbnh gi\u00e1, th\u1ee7 t\u1ee5c \u0111\u1ea7u t\u01b0”.<\/p>\n

Trong khi v\u1edbi h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 mua c\u1ed5 ph\u1ea7n th\u00f4ng th\u01b0\u1eddng, nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n mua c\u1ed5 ph\u1ea7n c\u1ee7a doanh nghi\u1ec7p th\u00ec ph\u1ea3i m\u1ea5t 2 th\u00e1ng, 3 th\u00e1ng xong th\u1ee7 t\u1ee5c r\u1ed3i m\u1edbi chuy\u1ec3n ti\u1ec1n. Th\u00eam n\u1eefa, theo \u00f4ng Doanh, vi\u1ec7c nh\u1eadn \u0111\u1ea7u t\u01b0 b\u1eb1ng h\u00ecnh th\u1ee9c mua c\u1ed5 ph\u1ea7n th\u01b0\u1eddng s\u1ebd m\u1ea5t th\u1eddi gian khi th\u1ef1c hi\u1ec7n c\u00e1c nghi\u1ec7p v\u1ee5 th\u1ea9m \u0111\u1ecbnh, th\u1ee7 t\u1ee5c ph\u00e1p l\u00fd \u0111\u1ea7u t\u01b0\u2026 khi\u1ebfn startup t\u1ed1n chi ph\u00ed v\u00e0 th\u1eddi gian cho c\u00e1c b\u00ean t\u01b0 v\u1ea5n.<\/p>\n

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\"Kho\u1ea3n<\/div>\n
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Lu\u1eadt s\u01b0 Nguy\u1ec5n V\u0103n Doanh<\/p>\n<\/div>\n<\/div>\n

\u00d4ng Nguy\u1ec5n V\u0103n Doanh c\u00f2n cho bi\u1ebft “kh\u00e1c v\u1edbi mua c\u1ed5 ph\u1ea7n, v\u1edbi kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u1ecbnh gi\u00e1 startup m\u00e0 h\u1ecd \u0111\u1ea7u t\u01b0 lu\u00f4n, gi\u00fap r\u00fat ng\u1eafn \u0111\u01b0\u1ee3c th\u1eddi gian”.<\/p>\n

C\u0169ng nh\u1edd vi\u1ec7c \u0111\u1ecbnh gi\u00e1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n sau, v\u1edbi h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 n\u00e0y, startup kh\u00f4ng s\u1ee3 b\u00e1n “h\u1edb” m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng kh\u00f4ng s\u1ee3 mua “h\u1edb” v\u00ec vi\u1ec7c \u0111\u1ecbnh gi\u00e1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong t\u01b0\u01a1ng lai.<\/b><\/p>\n

“Startup m\u1edbi th\u00e0nh l\u1eadp nh\u01b0ng c\u00f3 th\u1ec3 r\u1ea5t ti\u1ec1m n\u0103ng, b\u00e1n s\u1edbm th\u00ec gi\u00e1 tr\u1ecb th\u1ea5p, m\u1ed9t n\u0103m sau m\u1edbi b\u00e1n c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb t\u1ed1t h\u01a1n”, \u00f4ng Doanh gi\u1ea3i th\u00edch.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, d\u00f9 nh\u1eadn \u0111\u1ecbnh l\u00e3i su\u1ea5t 15 \u2013 20% l\u00e0 kh\u00e1 cao, cao h\u01a1n nhi\u1ec1u so v\u1edbi l\u00e3i su\u1ea5t vay ti\u1ec1n ng\u00e2n h\u00e0ng (kho\u1ea3ng 7 \u2013 8%), nh\u01b0ng \u00f4ng Nguy\u1ec5n V\u0103n Doanh cho r\u1eb1ng m\u1ed9t kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 gi\u00e1 tr\u1ecb cao h\u01a1n r\u1ea5t nhi\u1ec1u kho\u1ea3n vay ng\u00e2n h\u00e0ng.<\/p>\n

“Gi\u00e1 tr\u1ecb \u1edf \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n, m\u00e0 gi\u00e1 tr\u1ecb c\u1ed9ng th\u00eam, nh\u01b0 s\u1ef1 t\u01b0 v\u1ea5n, kinh nghi\u1ec7m, quan h\u1ec7 c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0\u2026 M\u1ed9t gi\u00e1 tr\u1ecb kh\u00e1 l\u1edbn n\u1eefa l\u00e0 khi m\u1ed9t ng\u01b0\u1eddi \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o cho startup, s\u1ebd k\u00edch ho\u1ea1t nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ebfp theo. Nh\u00e0 \u0111\u1ea7u t\u01b0 sau s\u1ebd nh\u00ecn nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc v\u00e0 \u00edt khi n\u00e0o ng\u01b0\u1eddi sau \u0111\u1ea7u t\u01b0 v\u00e0o gi\u00e1 tr\u1ecb th\u1ea5p h\u01a1n ng\u01b0\u1eddi tr\u01b0\u1edbc. N\u00ean kho\u1ea3n ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd t\u1ed1t h\u01a1n cho startup r\u1ea5t nhi\u1ec1u so v\u1edbi nh\u1eadn t\u1eeb ng\u01b0\u1eddi th\u00e2n hay vay ng\u00e2n h\u00e0ng, m\u1eb7c d\u00f9 l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 cao h\u01a1n,” \u00f4ng Doanh nh\u1eadn \u0111\u1ecbnh.<\/p>\n

C\u00f2n v\u1ec1 ph\u00eda nh\u00e0 \u0111\u1ea7u t\u01b0: “Startup c\u00f3 \u0111\u1eb7c t\u00ednh l\u00e0 kh\u00f4ng ph\u1ea3i d\u1ef1 \u00e1n n\u00e0o c\u0169ng c\u00f3 th\u1ec3 duy tr\u00ec s\u1ef1 t\u1ed3n t\u1ea1i v\u00e0 th\u00e0nh c\u00f4ng trong kho\u1ea3ng th\u1eddi gian d\u00e0i n\u00ean thay v\u00ec \u0111\u1ecbnh gi\u00e1 li\u1ec1n, nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 m\u1ed9t n\u0103m sau, xem \u0111\u1ed9i ng\u0169 startup ch\u1ea1y th\u1ebf n\u00e0o, c\u00f2n duy tr\u00ec \u0111\u01b0\u1ee3c phong \u0111\u1ed9 hay kh\u00f4ng r\u1ed3i m\u1edbi \u0111\u1ecbnh gi\u00e1\u2026 Nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd an t\u00e2m v\u1edbi kho\u1ea3n vay \u0111\u00f3 v\u00e0 h\u1ecd kh\u00f4ng b\u1ecb mua h\u1edb”, \u00f4ng Doanh cho bi\u1ebft.<\/p>\n

H\u01a1n n\u1eefa, ph\u1ea3i k\u1ec3 \u0111\u1ebfn chuy\u1ec7n nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 “n\u1eafm \u0111\u1eb1ng chu\u00f4i” do kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng ho\u00e0n v\u1ed1n cho h\u1ecd.<\/p>\n

“\u0110\u00e2y l\u00e0 kho\u1ea3n vay, m\u00e0 c\u00f3 vay th\u00ec c\u00f3 tr\u1ea3, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 kh\u1ea3 n\u0103ng thu h\u1ed3i kho\u1ea3n v\u1ed1n n\u00e0y”, \u00f4ng Doanh n\u00f3i.<\/p>\n

L\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00f4ng “m\u1ea1o hi\u1ec3m”, thi\u1ebfu cam k\u1ebft v\u00e0 ni\u1ec1m tin gi\u1eefa 2 b\u00ean? <\/span><\/b><\/p>\n

Khi \u0111\u01b0\u1ee3c h\u1ecfi v\u1ec1 \u00fd ch\u00ed c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 khi \u0111\u01b0a ra \u0111\u1ec1 ngh\u1ecb kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i n\u00e0y, \u00f4ng Nguy\u1ec5n V\u0103n Doanh nh\u1eadn \u0111\u1ecbnh:<\/p>\n

“N\u1ebfu kh\u00f4ng ph\u1ea3i v\u00ec v\u1ea5n \u0111\u1ec1 th\u1eddi gian gi\u1ea3i ng\u00e2n m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00f9ng h\u00ecnh th\u1ee9c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, t\u1ee9c l\u00e0 h\u1ecd mu\u1ed1n b\u1ea3o l\u01b0u kho\u1ea3n v\u1ed1n \u0111\u00f3. H\u1ecd mu\u1ed1n s\u1ef1 an to\u00e0n. Nh\u01b0 v\u1eady cam k\u1ebft c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u01b0a th\u1ef1c s\u1ef1 m\u1ea1nh m\u1ebd v\u1edbi startup b\u1eb1ng h\u00ecnh th\u1ee9c m\u00ecnh \u0111\u1ea7u t\u01b0 v\u1ed1n mua c\u1ed5 ph\u1ea7n th\u00f4ng th\u01b0\u1eddng”.<\/p>\n

V\u1ec1 ph\u1ea7n startup, cho \u0111\u1ebfn khi kho\u1ea3n vay ch\u01b0a \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i, startup v\u1eabn b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c quy\u1ec1n \u0111i\u1ec1u h\u00e0nh c\u00f4ng ty. “Startup b\u1ea3o to\u00e0n quy\u1ec1n \u0111i\u1ec1u h\u00e0nh c\u00f4ng ty, quy\u1ec1n bi\u1ec3u quy\u1ebft c\u1ee7a m\u00ecnh, \u00edt nh\u1ea5t l\u00e0 trong th\u1eddi h\u1ea1n kho\u1ea3n vay n\u00e0y, c\u00f2n khi chuy\u1ec3n \u0111\u1ed5i ra th\u00ec s\u1ebd kh\u00e1c”, \u00f4ng Doanh cho bi\u1ebft.<\/p>\n

Nh\u01b0ng \u0111\u1ed3ng th\u1eddi, startup ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 ho\u00e0n tr\u1ea3 nh\u01b0 khi \u0111i vay m\u1ed9t kho\u1ea3n vay ng\u00e2n h\u00e0ng, \u0111\u00f3 l\u00e0 m\u1ed9t \u0111i\u1ec3m b\u1ea5t l\u1ee3i. Ch\u01b0a k\u1ec3 \u1edf Vi\u1ec7t Nam c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n v\u1edbi startup v\u1ec1 k\u1ebft qu\u1ea3 kinh doanh trong t\u01b0\u01a1ng lai, \u0111\u1eb7t \u00edt nhi\u1ec1u \u00e1p l\u1ef1c l\u00ean startup.<\/p>\n

“Startup bu\u1ed9c ph\u1ea3i xem x\u00e9t nhu c\u1ea7u c\u1ee7a startup m\u00ecnh. Xem nhu c\u1ea7u v\u1ec1 v\u1ed1n th\u1ef1c s\u1ef1 c\u00f3 r\u1ea5t c\u1ea7n hay kh\u00f4ng, c\u00f3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ec9 s\u1ed1 m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra, v\u1ec1 v\u1ea5n \u0111\u1ec1 ho\u00e0n l\u1ea1i, v\u1ec1 l\u00e3i su\u1ea5t, t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i sang c\u1ed5 ph\u1ea7n\u2026\u0111\u1ed1i chi\u1ebfu v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a m\u00ecnh xem c\u00f3 ph\u00f9 h\u1ee3p hay kh\u00f4ng”, \u00f4ng Doanh \u0111\u01b0a ra l\u1eddi khuy\u00ean.<\/p>\n

Theo c\u00e1c \u00fd ki\u1ebfn t\u1ea1i h\u1ed9i th\u1ea3o, nh\u1eefng startup ph\u00f9 h\u1ee3p v\u1edbi h\u00ecnh th\u1ee9c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i n\u00e0y l\u00e0 c\u00e1c startup \u0111ang “v\u01b0\u1edbng” v\u1ec1 m\u1eb7t \u0111\u1ecbnh gi\u00e1 m\u00e0 l\u1ea1i c\u1ea7n ti\u1ec1n nhanh. <\/b>V\u1edbi kinh nghi\u1ec7m th\u1ef1c t\u1ebf t\u01b0 v\u1ea5n cho c\u00e1c startup, \u00f4ng Doanh n\u00f3i th\u00eam hi\u1ec7n t\u1ea1i \u1edf Vi\u1ec7t Nam, c\u00e1c startup nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i n\u00e0y ch\u1ee7 y\u1ebfu l\u00e0 startup m\u1edbi c\u00f3 ph\u00e1t tri\u1ec3n \u0111\u1ed9t bi\u1ebfn v\u00e0 c\u1ea7n ti\u1ec1n nhanh \u0111\u1ec3 duy tr\u00ec phong \u0111\u1ed9.<\/p>\n

\n
\n

“Startup bu\u1ed9c ph\u1ea3i xem x\u00e9t nhu c\u1ea7u c\u1ee7a startup m\u00ecnh. Xem nhu c\u1ea7u v\u1ec1 v\u1ed1n c\u00f3 r\u1ea5t c\u1ea7n kh\u00f4ng, c\u00f3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ec9 s\u1ed1 m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra kh\u00f4ng”…<\/p>\n<\/div>\n

\n<\/div>\n

V\u1ec1 k\u1ebft qu\u1ea3 c\u1ee7a c\u00e1c th\u01b0\u01a1ng v\u1ee5 kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i \u0111\u00e3 t\u01b0 v\u1ea5n, \u00f4ng Doanh ti\u1ebft l\u1ed9:<\/p>\n

“T\u00f4i th\u1ea5y ph\u1ea7n l\u1edbn c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n h\u1ecd ch\u01b0a chuy\u1ec3n \u0111\u1ed5i. V\u1edbi c\u00e1c startup \u0111\u00e3 nh\u1eadn ti\u1ec1n, nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u01b0a thu h\u1ed3i ti\u1ec1n, ch\u01b0a chuy\u1ec3n \u0111\u1ed5i sang c\u1ed5 ph\u1ea7n \u0111\u01b0\u1ee3c. V\u00ec gi\u00e1 tr\u1ecb startup th\u1ea5p, nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u00e2n v\u00e2n gi\u1eefa chuy\u1ec7n thu l\u1ea1i ti\u1ec1n v\u00e0 chuy\u1ec3n \u0111\u1ed5i. T\u00f4i th\u1ea5y ph\u1ea7n l\u1edbn h\u1ecd ch\u01b0a chuy\u1ec3n \u0111\u1ed5i \u0111\u1ec3 ch\u1edd startup ti\u1ebfp t\u1ee5c gia t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a m\u00ecnh”.<\/p>\n

C\u0169ng theo \u00f4ng Doanh, khi startup g\u1eb7p kh\u00f3 kh\u0103n, th\u00ec nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng nh\u1eefng ch\u01b0a chuy\u1ec3n \u0111\u1ed5i \u0111\u01b0\u1ee3c m\u00e0 c\u0169ng kh\u00f3 thu h\u1ed3i v\u1ed1n.<\/p>\n

“Th\u01b0\u1eddng th\u01b0\u1eddng h\u1ecd s\u1ebd gia h\u1ea1n th\u00eam m\u1ed9t th\u1eddi h\u1ea1n n\u1eefa cho kho\u1ea3n vay n\u00e0y. Nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 startup th\u01b0\u1eddng r\u1ea5t fair-play<\/i> v\u1edbi nhau, khi m\u1ed9t b\u00ean g\u1eb7p kh\u00f3 kh\u0103n th\u00ec h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ed3ng h\u00e0nh. \u00cdt khi nh\u00e0 \u0111\u1ea7u t\u01b0 k\u1ebft th\u00fac kho\u1ea3n vay, h\u1ecd th\u01b0\u1eddng s\u1ebd gia h\u1ea1n th\u00eam”.<\/p>\n

M\u1eb7t kh\u00e1c, m\u1ed9t startup c\u00f3 m\u1eb7t t\u1ea1i h\u1ed9i th\u1ea3o cho r\u1eb1ng m\u1ed9t khi doanh nghi\u1ec7p m\u00ecnh \u0111\u00e3 x\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng \u0111i r\u00f5 r\u00e0ng v\u00e0 ch\u1eafc ch\u1eafn v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n trong t\u01b0\u01a1ng lai, th\u00ec h\u1ecd c\u1ea7n nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 thi\u00ean th\u1ea7n th\u1ef1c s\u1ef1 m\u1ea1o hi\u1ec3m c\u00f9ng m\u00ecnh – t\u1ee9c l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3i mua c\u1ed5 ph\u1ea7n, tham gia v\u00e0o startup m\u1ed9t c\u00e1ch ho\u00e0n to\u00e0n \u2013 ch\u1ee9 kh\u00f4ng mu\u1ed1n ch\u1ea5p nh\u1eadn h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 b\u1eb1ng kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i.<\/p>\n

Trong khi \u0111\u00f3, b\u00e0 L\u01b0\u01a1ng Lan Khanh \u2013 co-founder StartupLAW nh\u1eadn \u0111\u1ecbnh: “N\u1ebfu startup ch\u1ec9 mu\u1ed1n \u0111i m\u1ed9t m\u00ecnh v\u1edbi team c\u1ee7a m\u00ecnh, kh\u00f4ng mu\u1ed1n \u0111i c\u00f9ng nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u01b0ng l\u1ea1i \u0111ang thi\u1ebfu ti\u1ec1n, th\u00ec startup n\u00ean d\u00f9ng kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, kh\u00f4ng ph\u1ea3i cam k\u1ebft qu\u00e1 l\u1edbn v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0”.<\/b><\/p>\n

\n
\n

T\u1ea1i workshop, \u00f4ng Nguy\u1ec5n V\u0103n Doanh c\u0169ng ch\u1ec9 ra 6 \u0111i\u1ec1u startup c\u1ea7n ph\u1ea3i l\u01b0u \u00fd khi nh\u1eadn kho\u1ea3n \u0111\u1ea7u t\u01b0 kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, g\u1ed3m: gi\u00e1 tr\u1ecb kho\u1ea3n \u0111\u1ea7u t\u01b0, t\u1ec9 l\u1ec7 chi\u1ebft kh\u1ea5u cho nh\u00e0 \u0111\u1ea7u t\u01b0 sau \u0111\u1ecbnh gi\u00e1, tr\u1ea7n gi\u00e1 tr\u1ecb, l\u00e3i su\u1ea5t, ng\u00e0y \u0111\u00e1o h\u1ea1n, th\u1eddi \u0111i\u1ec3m chuy\u1ec3n \u0111\u1ed5i k\u00e8m theo \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n \u0111\u1ed5i.<\/b><\/p>\n

Theo \u00f4ng, th\u1eddi h\u1ea1n chuy\u1ec3n \u0111\u1ed5i th\u01b0\u1eddng l\u00e0 1, 2 n\u0103m, nh\u01b0ng c\u0169ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 k\u00e9o d\u00e0i 6 th\u00e1ng.<\/p>\n<\/div>\n

 <\/p>\n

\n
\n
<\/div>\n<\/div>\n<\/div>\n

 <\/p>\n<\/div>\n


\nTh\u1ea3o Th\u1ea3o<\/strong><\/p>\n

Theo Tr\u00ed Th\u1ee9c Tr\u1ebb<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"


\n\u201cN\u1ebfu kh\u00f4ng ph\u1ea3i v\u00ec v\u1ea5n \u0111\u1ec1 th\u1eddi gian gi\u1ea3i ng\u00e2n m\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00f9ng h\u00ecnh th\u1ee9c kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i, t\u1ee9c l\u00e0 h\u1ecd mu\u1ed1n b\u1ea3o l\u01b0u kho\u1ea3n v\u1ed1n \u0111\u00f3. H\u1ecd mu\u1ed1n s\u1ef1 an to\u00e0n. Nh\u01b0 v\u1eady cam k\u1ebft c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u01b0a th\u1ef1c s\u1ef1 m\u1ea1nh m\u1ebd v\u1edbi startup b\u1eb1ng h\u00ecnh th\u1ee9c m\u00ecnh \u0111\u1ea7u t\u01b0 v\u1ed1n mua c\u1ed5 ph\u1ea7n th\u00f4ng th\u01b0\u1eddng\u201d, \u00f4ng Nguy\u1ec5n V\u0103n Doanh nh\u1eadn \u0111\u1ecbnh.<\/strong><\/p>\n","protected":false},"author":3,"featured_media":384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[73,75,72,74,66,63,68],"class_list":["post-383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-doi-song","tag-dau-tu","tag-dinh-gia","tag-goi-von","tag-khoan-vay","tag-shark-tank","tag-shark-tank-viet-nam","tag-start-up"],"aioseo_notices":[],"yoast_head":"\nKho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i: Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm \u0111\u1eb1ng chu\u00f4i, startup kh\u00f4ng s\u1ee3 b\u00e1n "h\u1edb" nh\u01b0ng c\u0169ng l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00f4ng \u201cm\u1ea1o hi\u1ec3m\u201d, thi\u1ebfu cam k\u1ebft v\u00e0 ni\u1ec1m tin gi\u1eefa hai b\u00ean?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/saigonbiz.com\/vn\/khoan-vay-chuyen-doi-nha-dau-tu-nam-dang-chuoi-startup-khong-so-ban-ho-nhung-cung-la-hinh-thuc-dau-tu-khong-mao-hiem-thieu-cam-ket-va-niem-tin-giua-hai-ben\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kho\u1ea3n vay chuy\u1ec3n \u0111\u1ed5i: Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u1eafm \u0111\u1eb1ng chu\u00f4i, startup kh\u00f4ng s\u1ee3 b\u00e1n "h\u1edb" nh\u01b0ng c\u0169ng l\u00e0 h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00f4ng \u201cm\u1ea1o hi\u1ec3m\u201d, thi\u1ebfu cam k\u1ebft v\u00e0 ni\u1ec1m tin gi\u1eefa hai b\u00ean?\" \/>\n<meta property=\"og:description\" content=\"\" \/>\n<meta property=\"og:url\" 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