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\author{keersri05}
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  /Title (finance.pdf)
  /Creator (Cheatography)
  /Author (keersri05)
  /Subject (Finance Cheat Sheet)
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    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Finance Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{keersri05} via \textcolor{DarkBackground}{\uline{cheatography.com/217923/cs/48575/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}keersri05 \\
  \uline{cheatography.com/keersri05} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 5th November, 2026.\\
   Page {\thepage} of \pageref{LastPage}.
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
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  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Alternative Sources of Finance}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Alternative Sources of Finance: Basics}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{Meaning: {\bf{Funding}} channels {\bf{beyond conventional bank lending}} and public capital markets.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Why needed: Startup funding, growth, innovation, infrastructure and diversification.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Equity}}: Angel investment, VC, PE.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Debt}}: Private credit.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Platform-based}}: Crowdfunding.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Purpose-based}}: Infrastructure and social-impact financing.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Startup funding: Umbrella covering multiple funding sources.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Indian ecosystem: SIDBI, Startup India, FFS, SEBI, NABARD, NIIF.} \tn 
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\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Debt vs Equity Financing}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Core concept: {\bf{Equity = ownership; Debt = borrowing}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Equity}}: No compulsory repayment or fixed interest; dividends/capital gains for investors; ownership dilution.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Debt}}: Principal repayment + interest; no ownership dilution; increases financial risk.} \tn 
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% Row 3
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\mymulticolumn{1}{x{5.377cm}}{Major advantage: Equity reduces repayment pressure; debt preserves ownership.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Major disadvantage: Equity dilutes control; debt creates fixed repayment obligations.} \tn 
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% Row 5
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\mymulticolumn{1}{x{5.377cm}}{Key terms: {\bf{Leverage}} = use of debt; {\bf{Gearing}} = debt-equity relationship; {\bf{Collateral}} = security for loan; {\bf{Dilution}} = reduced ownership percentage.} \tn 
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% Row 6
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Interest}} is generally {\bf{tax-deductible }}subject to tax rules; {\bf{dividends}} are {\bf{not deductible business expenses}}.} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Angel Investment}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{Core concept: {\bf{Wealthy individuals invest their personal money in early-stage startups}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Stage: Pre-seed, seed and early stage.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Form: {\bf{Equity or convertible instruments}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Returns: {\bf{Capital appreciation}} through startup growth or exit.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Additional support: {\bf{Mentorship}}, expertise and business networks.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Pre-seed}}: Funding at the idea/concept stage.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Seed funding}}: Initial capital to develop a product or prototype.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Exit}}: Investor realises returns through sale, acquisition or IPO.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Angel investors take {\bf{high risks}} because startups have uncertain survival and returns.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Key distinction: Angel = individual's own money; VC = professionally managed investment fund.} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Venture Capital}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{Core concept: {\bf{Professionally managed funds}} invest {\bf{pooled capital}} in high-growth, high-risk startups.} \tn 
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% Row 1
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\mymulticolumn{1}{x{5.377cm}}{Stage: Seed, {\bf{early-stage and growth-stage}} businesses.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Form: {\bf{Equity / equity-linked instruments}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Returns}}: {\bf{Capital appreciation}} through eventual exit.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Process: {\bf{Pitch → Due diligence → Valuation → Term sheet → Investment → Monitoring → Exit}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Due diligence}}: Detailed examination before investment.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Valuation}}: Estimated worth of the startup.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Term sheet}}: Preliminary document outlining investment terms.} \tn 
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% Row 8
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Portfolio company}}: Company in which the fund invests.} \tn 
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% Row 9
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Follow-on investment}}: Additional investment in an existing portfolio company.} \tn 
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% Row 10
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Dry powder}}: Committed but uninvested capital.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Unicorn}}: Privately held startup valued at {\bf{USD 1 billion or more}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Exit}}: Sale of investment to realise returns.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Funding rounds: {\bf{Series A → Series B → Series C}} and subsequent rounds. - {\bf{Series A}}: Scaling a business model with initial market traction. - {\bf{Series B}}: Expanding operations and market reach. - {\bf{Series C}} onwards: Larger expansion, acquisitions or preparation for an exit.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Stages of VC Financing}} \newline Stage	Purpose \newline {\bf{\textgreater{}}} {\bf{Seed}}	Develop idea, prototype and proof of concept \newline {\bf{\textgreater{}}} {\bf{Startup}}	Product development and initial marketing \newline {\bf{\textgreater{}}} {\bf{Early stage}}	Begin commercial production and sales \newline {\bf{\textgreater{}}} {\bf{Growth stage}}	Expand operations, market share and capacity \newline {\bf{\textgreater{}}} {\bf{Late stage}}	Scale operations before IPO or acquisition}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Private Equity (PE)}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{Core concept: Investment in {\bf{privately held companies}}, generally {\bf{established}} businesses.} \tn 
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% Row 1
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\mymulticolumn{1}{x{5.377cm}}{Form: {\bf{Equity / equity-linked instruments}}.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Objective: Improve company value and exit at a profit.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Involvement: Management, governance, restructuring and strategic decisions.} \tn 
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\mymulticolumn{1}{x{5.377cm}}{Major types: {\bf{Buyout, LBO, Growth Capital, Distressed Investment, Minority Investment}}.} \tn 
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\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Important keywords \newline - {\bf{Buyout}}: Acquisition of a controlling stake. \newline - {\bf{LBO}}: Leveraged Buyout, Acquisition financed substantially through borrowed funds. \newline - {\bf{Growth Capital}}: Funding expansion of established businesses. \newline - {\bf{Turnaround}}: Reviving a struggling business. \newline - {\bf{Value Creation}}: Increasing business value through operational/strategic improvements. \newline - {\bf{Exit}}: Sale, acquisition or IPO.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Startup Funding}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Core concept: {\bf{Capital raised by startups to develop, launch, operate and expand}}. \newline % Row Count 2 (+ 2)
- Funding lifecycle: {\bf{Bootstrapping / Pre-seed → Seed → Early stage → Growth → Late stage}}. \newline % Row Count 5 (+ 3)
- Sources: Own funds, Friends \& Family, Angels, VC, Bank Loans, Government Grants, Crowdfunding, Incubators/Accelerators. \newline % Row Count 8 (+ 3)
Important keywords \newline % Row Count 9 (+ 1)
- {\bf{Bootstrapping}}: Using personal funds / internally generated revenue. \newline % Row Count 11 (+ 2)
- {\bf{Incubator}}: Supports early-stage startups with mentoring and infrastructure. \newline % Row Count 13 (+ 2)
- {\bf{Accelerator}}: Fixed-duration programme to speed up startup growth. \newline % Row Count 15 (+ 2)
- {\bf{Burn Rate}}: Rate of cash consumption. \newline % Row Count 16 (+ 1)
- {\bf{Runway}}: Time available before cash runs out. \newline % Row Count 18 (+ 2)
- {\bf{Product-Market Fit}}: Product satisfies genuine market demand. \newline % Row Count 20 (+ 2)
- {\bf{Bridge Financing}}: Short-term funding until the next funding round or financing event. \newline % Row Count 22 (+ 2)
- {\bf{Valuation}}: Estimated worth of the startup.% Row Count 23 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Formula: {\bf{Runway = Available Cash ÷ Net Monthly Burn Rate}}. \newline  \newline Key distinction: {\bf{Incubator nurtures; accelerator speeds up growth}}. \newline  \newline Recall trick: {\bf{Startup funding = Funding needs across the entire business lifecycle}}.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Crowdfunding}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- Core concept: Raising funds through {\bf{small contributions}} from a {\bf{large number of people}}, usually via {\bf{online platforms}}. \newline % Row Count 3 (+ 3)
Four types \newline % Row Count 4 (+ 1)
- {\bf{Donation-based}}: No financial return. \newline % Row Count 5 (+ 1)
- {\bf{Reward-based}}: Product / reward in return. \newline % Row Count 6 (+ 1)
- {\bf{Equity-based}}: Shares / ownership. \newline % Row Count 7 (+ 1)
- {\bf{Debt-based}}: Loan repayment with interest. \newline % Row Count 8 (+ 1)
Advantages: Wider access to capital, market validation, publicity and reduced dependence on traditional finance. \newline % Row Count 11 (+ 3)
Risks: Funding target may not be met, fraud, platform fees, IP exposure and regulatory concerns. \newline % Row Count 13 (+ 2)
Important keywords \newline % Row Count 14 (+ 1)
- {\bf{All-or-nothing}}: Funds released only if target is achieved. \newline % Row Count 16 (+ 2)
- {\bf{Keep-it-all}}: Amount raised retained even if target is missed, subject to platform terms. \newline % Row Count 18 (+ 2)
- {\bf{P2P Lending}}: Direct lending through an online intermediary platform. \newline % Row Count 20 (+ 2)
- {\bf{Funding Target}}: Amount campaign aims to raise.% Row Count 22 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Private Credit}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Core concept: Loans provided by {\bf{non-bank lenders}} / private funds directly to businesses. \newline % Row Count 2 (+ 2)
Returns: {\bf{Interest and fees}}. \newline % Row Count 3 (+ 1)
Features: Privately {\bf{negotiated terms}}, flexible structures; secured or unsecured loans. \newline % Row Count 5 (+ 2)
Major types: Direct Lending, Mezzanine Financing, Distressed Debt, Venture Debt, Unitranche Financing. \newline % Row Count 8 (+ 3)
Important keywords \newline % Row Count 9 (+ 1)
- {\bf{Covenants}}: Conditions imposed on borrowers. \newline % Row Count 10 (+ 1)
- {\bf{Collateral}}: Assets pledged as loan security. \newline % Row Count 12 (+ 2)
- {\bf{Senior Debt}}: Higher repayment priority. \newline % Row Count 13 (+ 1)
- {\bf{Subordinated Debt}}: Lower repayment priority than senior debt. \newline % Row Count 15 (+ 2)
- {\bf{Mezzanine Debt}}: Hybrid debt with equity-like features. \newline % Row Count 17 (+ 2)
- {\bf{Venture Debt}}: Loans to startups, often VC-backed. \newline % Row Count 19 (+ 2)
- {\bf{Credit Spread}}: Additional yield over a benchmark for credit risk. \newline % Row Count 21 (+ 2)
- {\bf{Unitranche Financing}}:Combines senior and junior debt into a single loan facility% Row Count 23 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
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% That's all folks
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\end{document}