Ukukhulisa imali ngokujwayelekile kunzima. I-Fintech ingenye yezindawo ezincintisana kakhulu laphaya. Unyaka ngamunye, abatshalizimali ngabanye bezwa amakhulukhulu ezindawo, futhi abaningi abayi ndawo—ngaphansi kwephesenti elilodwa labaqalayo bathola uxhaso lwemali yebhizinisi. Uma iphimbo lakho lingakubambi ukunaka kwabatshalizimali kumasekhondi okuqala angama-60, usuphumile. Abasunguli abaningi bacabanga ukuthi umbono wabo wodwa uzobabheka. Abanye bayihlaba esikhonkosini. Abaningi abazange. Umehluko? Amabhizinisi aphumelelayo agxile endabeni ecacile, abe nokuqinisekiswa kwemakethe yangempela, futhi angakhomba imodeli yemali engenayo, okungenani, enengqondo. Ngakho-ke, kulesi sihloko, ngidiliza amacala angempela amaklayenti ami wokusheshisa ukuqalisa ezethula ngezinsuku zedemo kanye nochungechunge lwe-TechCrunch ukukhombisa ukuthi yini esebenzayo, yini engasebenzi, nokuthi kungani ezinye iziqalo ze-fintech zihamba nezigidi, kuyilapho ezinye ziya ekhaya ngaphandle kwalutho. I-Pitch Deck Teardown Okwamanje, ngizobe ngidiliza amadekhi ahlukile e-fintech futhi ngingakwenza lokho ngeyakho uma ufisa . yihambise bese ungixoxela ngendaba yakho Yini Ehlukanisa Ukunqoba I-Fintech Pitches Kokunye Okunye? Imibono ixhaswa kuphela uma isetshenziswa. Abasunguli be-Fintech abachaza lokho abayakhayo ngaphandle kokufakazela ukuthi kungani kubalulekile, ubani ofuna ukukhokha, nokuthi bazokwenza kanjani imali ngeke bayithole. Ngakho-ke, ake sidlule kwezinye izimo zangempela mayelana nokuqalwa kwe-fintech okuthole kahle. Umjikelezo Wephathi — $7M Pre-Seed Round Amaslayidi ayishumi. 148 amazwi. Akukho fluff, akukho filler. Iphimbo elithembekile lensingo elidabule umsindo futhi lathola i-Party Round $7 wezigidi ekuxhasweni kwembewu yangaphambili. Imfihlo? Isikhathi, ukucaca, kanye nomkhiqizo olula ofile abatshalizimali abakwazanga ukuziba. Okokuqala, babethelela ukuxoxa indaba. I-Party Round yayazi ukuthi abasunguli abaningi bacwilisa amadekhi abo ezindongeni zombhalo ezingabekezeleleki. Isiteki sabo sasiqinile njengentambo ye-Twitter. Umkhiqizo ngokwawo wawumuhle futhi. Ukuqongelela imali kungcolile futhi kuhamba kancane. Ngokuvamile kuya ngokuthi wazi bani. I-Party Round iguqule lokho kulandisa ngokuhlela ukutshalwa kwezimali kwengelosi kube inqubo elula, yokuchofoza bese yenziwe ngaphandle kwezinhlungu zekhanda ezingokomthetho nezokusebenza. Okuvale isivumelwano yisizathu sokuthi kungani manje. Umhlaba osafufusa uncike ekutshalweni kwezimali kwentando yeningi: I-Robinhood yenza izitoko zaba mnandi, i-Coinbase yenza i-crypto ibe yinsakavukela, futhi i-Party Round ibonise indima yabo njengesinyathelo esilandelayo sokuthi iziqalo zizoxhaswa kanjani. Ngesinye isikhathi, abalindisango besikole esidala se-venture capital babelahlekelwa indawo; I-Party Round ivele yazenzela ukuthi kuzokwenzeka kanjani. Into entula idekhi ukuthi umkhiqizo uzokwenza kanjani imali. Kodwa lokhu kubonakala kwanele kubatshalizimali-uma umbono uqinile futhi ukubulawa kucacile, abatshalizimali besigaba sokuqala bavame ukubheja ukuthi le mininingwane izosebenza ngokwabo. I-Analytic Marketing - $200K Umjikelezo Wembewu Ngaphezu nje kokugibela i-hype ezungeze i-AI, i-Analytic Marketing ifakazela ukuthi ubuchwepheshe babo benza imali. Kunokuba izimangalo ezibanzi zokuphazamisa ezezimali, zibonise inqubekelaphambili ebonakalayo kokuthile okuphazamisa ezezimali—amathuluzi okuthengisa abikezelayo. Ulwazi lwemboni yabasunguli babo lwenza umehluko. Base behlala ngaphakathi kwe-Fortune 100 iminyaka, befunda kahle ukuthi izingqondo zalawa mabhizinisi zaziyini. Lolo hlobo lolwazi lwangaphakathi lufaka ukuzethemba kubatshalizimali ukuthi isiqalisi singazuza amadili ebhizinisi, ikakhulukazi embonini ehamba kancane njengezezimali. Futhi, bachaze ngokuningiliziwe ukuthi isixazululo sabo sizongena kanjani ku-ecosystem ekhona ngokusho ubudlelwano obuvele buvikelekile be-symbiotic. I-Analytic Marketing yaqonda ukuthi amakhasimende abo aphethwe yini—ayedinga ukuhlukaniswa okungcono kanye nokusebenzisana kwedatha okuvikelekile okugcizelela ukuthobela nokutholwa kalula. Ukugxila ezinkingeni zangempela kwenza ukuba zisheshe zithatheke. Eqinisweni, abatshalizimali kufanele babone ubufakazi - ezigabeni zokuqala, kungaba imali yangempela (uma unenhlanhla), i-LOI, izinhlelo zokuhlola, njll. I-Enduring Planet - $2M Seed Round Lapho kufunwa uxhaso, i-Enduring Planet ayizange ingene ne-climate fintech pitch evamile. Yini eyenza umehluko? Baqale bathumela umyalezo ngobukhulu begebe lezimali njengenhlekelele, hhayi nje uhlobo lokungasebenzi kahle. Inqubo yendabuko yokuxhasa ngemali ayifinyeleleki neze, ihamba kancane, noma ibiza kakhulu ukuthi iziqalo zesimo sezulu eziningi zikwazi ukukhuphuka. Kubenze bazizwa bephuthuma ngokuba abatshalizimali. Wonke umkhakha wesimo sezulu uyama uma imali ingasheshi. Bese babe ne-masterstroke: bamele imodeli yabo yoxhaso njengegiya elingekho, hhayi njengenye indlela. Ngokungafani ne-VC, uxhaso lwabo olususelwa kumali engenayo alubanciphisi abasunguli. Ngokungafani nezibonelelo, kuyashesha. Ngokungafani nemalimboleko yasebhange, iyafinyeleleka. Bekungekona ukuthi “lokhu kungcono,” kunalokho “yilokhu imakethe edinga ukuthi isebenze.” I-Enduring Planet yenza abalingani be-VCs, hhayi izimbangi zokuqala. Abatshalizimali bebengasekeli nje ukuqalisa kwe-fintech; babethenga injini yokugeleza yedili ehlakaniphile. I-Couplr AI - $250K Umjikelezo Wembewu Nge-Couplr AI, abatshalizimali abazange bathande i-hype nge-AI. Zathengiswa ngombono ongaxazulula inkinga enkulu, ebizayo. Ukufanisa okuqhutshwa yidatha ye-Couplr AI kunciphisa izindleko zokushiswa kuka-$3,000 ukuze amafemu endabuko athole iklayenti elilodwa, okuwenza abe injini yemali engenayo. Indlela yabo yayihluke ngokuphelele njengoba bekhetha ukuthola imiphumela yangempela-izindleko zokuthola eziphansi, ukugcinwa okungcono kwabeluleki babo, kanye nesistimu ekwazi ukukala. Umlayezo wawuwukuthi lena akuyona nje indlela ephumelela kakhudlwana yokuxhuma amakhasimende nabeluleki kodwa kuwushintsho olubalulekile endleleni izinsizakalo zezezimali ezikhula ngayo. Ukwethemba kwakungesinye isici esibalulekile. Kwabasiza ukuthi baqondanise ne-American College of Financial Services futhi bakhiye ubudlelwano bangaphambi kwesikhathi, okubenza bathembeke ngokushesha. Abatshalizimali abazimisele ukukushiya kube yinhlanhla kubuchwepheshe uqobo. Babheja amaqembu, futhi uhlu lwe-Couplr AI lomakadebona be-fintech, ososayensi bokuziphatha, nonjiniyela abangomakadebona benzelwe ukuthengiswa kalula. I-Couplr AI izibeka njengekusasa elingenakugwenywa lokwelulekwa kwezezimali, isiqondiso sezezimali esiqondene nawe sakho konke okungakaze kwenzeke. Amasheke aqala ukungena lapho isiqalo singabonisi nje ukuthi ziphi kodwa lapho imboni iya khona futhi ikwenza kuzwakale konke kodwa kuqinisekile. I-Card Blanch - $460K Pre-Seed Round Uwahlanganisa kanjani wonke amakhadi akho esikweletu, edebhithi, nawokwethembeka abe elilodwa? Lezi zinto ezintathu azikwenzi kuwo wonke ama-pitch decks, kodwa i-Card Blanch ibe nokucaca, ukuklama, kanye nendaba ehehayo. Okokuqala, babe namandla emakethe abethelwe isipikili. Izinombolo zazisobala futhi zikhulu; eMelika kuphela, amakhadi akhona yonke indawo, futhi abathengi bawaphatha wonke ngesizathu - ngoba ngalinye linezinto zalo. Ngaleso sizathu, iqembu laphindeka kabili kulokho okubenza bahluke. Kwabe sekufika indaba. "Indlela esebenza ngayo" ye-Card Blanch yayiyi-masterclass ngobulula. Yonke indaba yokuthi abasebenzisi bangasebenzisa kanjani izinzuzo zekhadi labo yayibhalwe kuma-mockups acwebile. Azikho izincazelo ezinomoya omude! Lolo bekuwuhambo olubukeka kahle nje abatshali bezimali abangaluqonda kalula. Lokhu kubanike ukuqonda okusheshayo kokuthi umkhiqizo ungena kanjani empilweni yansuku zonke yomsebenzisi. Enye inothi eliphezulu kwaba isiphakamiso. Iziqalo eziningi zenza ingxabano ngalesi silayidi, sisenze singacacile noma sibe nesifiso sokuvelela. Ukulinganisa imakethe ehlosiwe yilokho okwenziwa yi-Card Blanch. Bachaza ngokunembile ukuthi babekhulisani futhi bangakanani. Yayibukhali, iqondile, futhi inesikhathi kodwa isaqinile futhi yakhiwe. Lokho akuvamile. I-MissionGranted — $1.55M Seed Round (yegoli elingu-$2M) Esikhundleni se-hype, i-MissionGrated ayichithanga sikhathi ikhombisa ukuthi ingaxazulula inkinga yangempela ebiza izinkampani imali enkulu. Ukuhambisana nezimali kwabaphathi be-Grant kuyiphupho elibi, futhi babonise kubatshalizimali ukuthi ukuzenzela kwabo kungakwenza kanjani kube inqubo engenabuhlungu. Kunokuba benze izithembiso ze-AI ezingasoze zafezeka, babe nempendulo yekhasimende yangempela yokusekela lokhu kwaziswa, ngisho nokufaka eyodwa evela kumsunguli wenhlangano engenzi nzuzo ejabule kakhulu. Ukubhalwa kwamasheke kumayelana nokuqinisekiswa kwemakethe kanjalo! Okwangihlanganisa ukudonsa. Ngo-2025, abatshalizimali ngeke batshale imali embonweni wakho, bazotshala imali yakho engenayo. I-MissionGrated inobambiswano nezinhlangano eziphethe ezinye zezibonelelo ezinkulu kakhulu zase-US. Abatshalizimali bafuna ukubona izimpawu ezinjengalezi zokuthi amakhasimende awanayo nje intshisekelo, azimisele ukukhokha. Abatshalizimali ababuyiseli imikhiqizo kodwa abantu abayiqonda ngokujulile imboni yabo. Ubuholi be-MissionGranted bubonise ubuchwepheshe babo ngokugeleza komsebenzi okuzenzakalelayo okuxazulula izinhlungu zekhanda lokuthobela kwangempela. Ukuqoqwa kwezimali kwabo kuyaqhubeka, kodwa nginesiqiniseko sokuthi bazofinyelela umgomo wokuqala wamaRandi ayizigidi ezimbili maduze nje—baguqule ingxoxo yoxhaso yaba into eqinisekile, hhayi ukugembula. Kungani Kufanele Uhambele Izinsuku Zedemo Uma ufuna ukufunda indlela yokuyibethela ngezikhonkwane zakho zimali, udinga ukuzijwayeza. Kubasunguli be-fintech besigaba sokuqala, uzofunda izinsuku zedemo ezihambela kakhulu. Lapho ungathola impendulo yangempela, wenze ukuxhumana, futhi, okubaluleke kakhulu, ulethe ukuqala kwakho kubantu abangakuxhasa ngempela. Ngakhe inkampani esiza abasunguli be-fintech ukuthi bakhuphule umzuliswano emhlabeni ononya wokuqongelela imali. Mina ngokwami ngilwela ukusiza abasafufusa bathole uxhaso abaludingayo ukuze bakhule nganoma iyiphi indlela, kungakhathaliseki ukuthi bahileleke ngesisheshisi sethu noma cha. Omunye umsebenzi onjalo yi- umbukiso, lapho simema amakhulu abatshalizimali abagunyaziwe (ukuze ungalokothi uchithe isikhathi sakho kubabukeli abangabalulekile) futhi sikunikeze izwi. Naphezu kokuthi siqale unyaka nje odlule, sisize izinkampani ezingu-20+ ze-fintech zenze amasu okuthuthukisa isofthiwe, zehlise ngaphezu kuka-$30 wezigidi ezindlekweni zobunjiniyela futhi ziqhubekisele phambili ukulinganisa kwazo ku-$100 million. Usuku lweDemo Lokuqala lwe-Fintech Okubalulekile Okuthathayo Kwabasunguli be-Fintech Iningi labasunguli be-fintech abanalwazi uma kukhulunywa ngokuqoqwa kwezimali ngoba abaqondi ukuthi abatshalizimali bacabanga kanjani. Abakwenzayo? Bathola uxhaso. Abatshalizimali abanandaba ukuthi ubuchwepheshe bakho bupholile kangakanani; bafuna ukwazi ukuthi ukuqala kwakho kuzokwenza kanjani imali. I-pitch enkulu ilula, inomthelela, futhi iqinisekisiwe. Okuhle ngokufunda empumelelweni nasekuhlulekeni emhlabeni wangempela ukuthi kukunikeza ukuqonda kokuthi yini engenza i-pitch yakho iwine. Qala ukubamba iqhaza ezinsukwini zedemo, i-pitch deck teardowns, futhi wandise amathuba akho okuvala amathuba okutshala imali abalulekile.
