Editor's choice: First Down Funding business loans
- No prepayment penalties
- Competitive rates
- Works with bad credit and most industries
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It can seem like no one wants to invest in adult entertainment companies. Getting the proper funding for your shop, graphic novel, club, movie or magazine often means clicking through lender after lender to find they don’t support your industry. Cultural hang-ups, stigma and heavy regulation make it difficult, but not impossible to get the funding you need. Loans and other financing options out there, we’ll explore what might fit your business best and how to apply.
Even though your business may be in a restricted industry for many big-name lenders, you still have multiple options to consider for financing. These include: crowdfunding, alternative business loans, angel investors, commercial real estate loans and peer-to-peer loans. Sometimes, it just takes one investor or industry affiliate to turn your funding dreams into a reality.
The least-traditional financing could be the easiest to set up for your business. Of the two big crowdfunding sites for businesses, Kickstarter doesn’t allow pornography, but it has allowed other types of erotic material. Indiegogo has restrictions on what can be offered for perks, but if you follow those protocols, you could use the platform as a way to build support for your project.
Fundraising isn’t limited to the Internet space though. Does your local community have a thriving burlesque scene? Inquire about hosting a benefit show. Your industry affiliates and friends may be a great source for advertising, fundraising events and potential donors.
While most banks and traditional lenders will steer away from this industry, some alternative lenders can service adult entertainment companies. These lenders evaluate your business revenue and bank statements to assess eligibility. You may pay higher interest or fees than you would with a traditional business loan, however.
Venture capitalist firms often have strict profiles for you to meet before they’ll provide funding, and agreements that prevent them from funding adult entertainment businesses. Angel investors aren’t limited by such factors. Some sites allow you to search for angel investors who are specifically looking to get in with the adult entertainment industry.
Looking to open a new location? A commercial real estate loan may be the way to go. Loans secured by property can usually be obtained at a lower rate, and you’ll likely find more lenders willing to work with your industry.
Peer-to-peer (P2P) lending can offer another solution that works around a market that generally doesn’t serve adult entertainment. Investors are matched with those looking to borrow through P2P lenders, and loans are partially or fully funded by individuals rather than banks.
Applying for a loan or with an angel investor will likely require a few documents. Be sure to prepare at least the following:
Creative thinking and planning will go a long way when it comes to financing your adult entertainment business. No one likes to be told to network, but it can be especially important when you’re looking to effectively get funded. To get the most bang for your buck, compare lenders before settling on one just because you know it works with your industry by exploring our guide to business loans.
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