... state funds and structures (for example, the National Semiconductor Industry Investment Fund). Singapore allocates significant resources through funds like Temasek and GIC to tech companies worldwide while also funding local R&D centers. Israel spends a record ~4.5–5% of GDP on R&D—one of the highest rates globally—creating a continuous flow of innovations and talents from universities and the military (almost every major tech company in Israel received a government grant at early stages). In the ...

... loan. Separate personal and business finances. Small businesses are often run by the owner alone, but even if you work as an individual entrepreneur (IE), do not mix company funds with your personal money. Open a separate account for your business, record all loan transactions. This will simplify accounting and show the real efficiency of using the loan. Cash flow control. Include loan payments in the budget and financial plan of the company. Make sure that you always have the required minimum funds ...

... interest, the parties proceed to discuss the terms of a potential deal. The investor estimates the estimated value of the company (valuation) and proposes terms: what share he wants to receive for the planned investment amount. These key parameters are recorded in a document called a Term Sheet (preliminary agreement of intent). The Term Sheet is not legally binding, but it specifies key points: pre-money valuation of the company, investment volume, investor share, investor rights (for example, a seat ...