Personal finance involves using your own savings to support your business. Such savings can be gotten from sales of personal assets, from friends and family members.Another cheap source of funds is sourcing loans from a venture capital firm. Venture capital firms invest in small businesses in exchange for an equity stake in the company. However, venture capitalists only look out for businesses with growth potential.
Similarly, the Central Bank of Nigeria in collaboration with the Bankers committee created the Agric-Business/Small and Medium Enterprise Investment Scheme loan. The loan disbursed by NIRSAL Microfinance Bank and other banks, offer up to N10 million to agric SMEs at a single-digit interest rate of 9 per cent per annum.
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