There are great ideas, but they have no money and no investors.

Do you think there is no problem?

Think again!

I am sorry that I am not very good. Maybe I have received too many similar mail.

As recently as this letter, he has a good idea about retail enterprises, asking me where I can get financial assistance and how to do it.

"I have no money and no assets to be mortgaged, but I don't want to be foolish. I don't want to deal with investors who will take over your entire business."

It is only a legend, or a pale lie, to use a free government subsidy to start a business.

I am not omniscient, but I have been in this business for 30 years - I have met all investment related to business plan and venture - I have never seen anyone relying on the government's free help to start a business.

There are nearly 1000 small business development centers all over the United States. I often deal with people from those places. If anyone has heard about free loan assistance, they will know it, but they do not know anything about it.

I think I know the legend of this free government aid: a TV advertisement.

The company in the advertisement sells only an application address list, that's all.

So this is not a pure lie. Indeed, there are a bunch of addresses, but they are exaggerated.

The government and various foundations occasionally set up projects to promote certain special development projects, such as enterprises in the downtown area, minority enterprises, and occasionally, art and original enterprises.

This question can be thought of by a government: whether a government, whether it is a state government, a local government or a federal government, unless it has a certain social purpose, otherwise it will be possible to give money to someone else.

All kinds of foundations are strictly monitored by boards and IRS. They can't give you money to start a company just because you have a good idea.

Government loans are more common than government loans, which means that government departments provide special low interest loans for development projects they are interested in.

Many departments will provide some favorable loans to the enterprise in order to create more job opportunities and similar purposes.

These loans are extremely difficult to apply, and you must meet the prerequisites set up by the government agencies providing loans.

Therefore, we should forget about the so-called subsidy and the real geography intelligence.

If you are just an ordinary person with ordinary good ideas, then you are the same as the rest of us; if you do not have enough money to make the idea come true, your "good idea" is worthless.

According to the possibility of financing success, we can divide entrepreneurs into three categories: 1., "no need for financing".

These entrepreneurs include many small service businesses, such as children who help you to mend the lawn, part-time accountants or bookkeepers, independent lawyers or only one person's art studio.

The 2. elitist, a successful entrepreneur with rich skills, has a good track record and contacts with angel investors and venture capital companies.

If you are one of them, you will know it.

A medium sized enterprise with a top 3. is a large number of start-up funds, such as 6 figures, but it is not very outstanding.

If you belong to this category, but have no assets to mortgage, no wealthy relatives and friends, and unable to impress the investor's resume, then adjust your plan.

Be realistic!

The next step is to find a more realistic starting point.

If your "good idea" requires $500 thousand in start-up capital, then reduce the amount to the level you can afford.

One of my favorite restaurants is starting from roadside stalls, but the boss already owns four restaurants.

We are looking for partners and co founders.

Maybe someone you know will decide to join, and your resume is more attractive than you.

Besides, a few people will make your team look more powerful.

You don't have to do everything personally. Most of the medium-sized businesses are co founded by several people, not single handedly.

Don't mention why you don't want investors to participate. It's stupid.

As I mentioned at the beginning, I have received too many similar emails, and these people say they do not want to give up their ownership.

But what else can you give investors?

Investors do not need your "good idea". They only want to get a reasonable return from the money they invest.

If you are complaining now that they have taken control of you, do not finance others.

Finally, I want to thank Steven Brandt, who taught small business management in my graduate school at Standford business school in.

If you can't reduce the demand for start-up funds and can't find enough capital to start at once, you might as well find another way to find a way that will eventually help you achieve your goals.

Enter the work of related enterprises, keep eyes open to observe accumulation.

Pay close attention to the good partners who will be able to start a business together.

Tim Berry is a columnist for the Entrepreneur.com business plan section, and also the president of Palo Alto Software. The Silicon Valley based company provides the industry's leading business planning software and other popular related software.