Thursday, June 10, 2021

How Entrepreneurs Create a One-Page Executive Summary for Finding Angel Investors, TaskRabbit One-Pager, $38 Million Funding Success Story

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 6



This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


This is one of my favorite hacks/shortcuts for raising money. It will save you a ton of time and get more attention from potential investors. 

When you start a business and raise money, you obviously need to have a plan. But how long should that plan be?  

According to U.S. Small Business Administration (SBA), "Most business experts and counselors say it (Business Plans) should be 30 to 50 pages, as a minimum, while others may say even less or more than this depending on their own personal perspective."

Do you know how many pages are in the business plans I use for raising money? Would you believe only one? 

There is a great tool called a one-page executive summary, or one-pager, which is a perfect way to communicate your idea to potential investors. A 1-page executive summary summarizes your thoughts, thesis, traction, and your predictions for the future of your business. Your 1-pager needs to give investors the gist of why they should invest.  

The 1-Page Executive Summary has replaced the business plan in our 140-character-or-less world. It hits all of the major areas of a business. It demonstrates a business' potential, while leaving enough flexibility for possible changes and pivots. Although there are many versions of a 1-pager, this is one of my favorite one-pager formats.

1. The Grab: You should lead with the most compelling statement of why you have a really big idea. This sentence (or two) sets the tone for the rest of the executive summary. Usually, this is a concise statement of the unique solution you have developed to a big problem. It should be direct and specific, not abstract and conceptual. If you can drop some impressive names in the first paragraph you should—world-class advisors, companies you are already working with, a brand name founding investor. Don’t expect an investor to discover that you have two Nobel laureates on your advisory board six paragraphs later. He or she may never get that far.

2. The Problem: You need to make it clear that there is a big, important problem (current or emerging) that you are going to solve. In this context you are establishing your Value Proposition—there is enormous pain out there, and you are going to increase revenues, reduce costs, increase speed, expand reach, eliminate inefficiency, increase effectiveness, whatever. Don’t confuse your statement of the problem with the size of the opportunity (see below).

3. The Solution: What specifically are you offering to whom? Software, hardware, service, a combination? Use commonly used terms to state concretely what you have, or what you do, that solves the problem you’ve identified. Avoid acronyms and don’t try to use this opportunity to create and trademark a bunch of terms that won’t mean anything to most people. You might need to clarify where you fit in the value chain or distribution channels—who do you work with in the ecosystem of your sector, and why will they be eager to work with you. If you have customers and revenues, make it clear. If not, tell the investor when you will.

4. The Opportunity: Spend a few more sentences providing the basic market segmentation, size, growth and dynamics—how many people or companies, how many dollars, how fast the growth, and what is driving the segment. You will be better off targeting a meaningful percentage of a well-defined, growing market than claiming a microscopic percentage of a huge, mature market. Don’t claim you are addressing the $24 billion widget market, when you are really addressing the $85 million market for specialized arc-widgets used in the emerging wocket sector.

5. Your Competitive Advantage: No matter what you might think, you have competition. At a minimum, you compete with the current way of doing business. Most likely, there is a near competitor, or a direct competitor that is about to emerge (are you sufficiently paranoid yet??). So, understand what your real, sustainable competitive advantage is, and state it clearly. Do not try to convince investors that your only competitive asset is your “first mover advantage.” Here is where you can articulate your unique benefits and advantages. Believe it or not, in most cases, you should be able to make this point in one or two sentences.

6. The Model: How specifically are you going to generate revenues, and from whom? Why is your model leverageable and scaleable? Why will it be capital efficient? What are the critical metrics on which you will be evaluated—customers, licenses, units, revenues, margin? Whatever it is, what impressive levels will you reach within three to five years?

7. The Team: Why is your team uniquely qualified to win? Don’t tell us you have 48 combined years of expertise in widget development; tell us your CTO was the lead widget developer for Intel, and she was on the original IEEE standards committee for arc-widgets. Don’t just regurgitate a shortened form of each founder’s resume; explain why the background of each team member fits. If you can, state the names of brand name companies your team has worked for. Don’t drop a name if it’s an unknown name, and don’t drop a name if you aren’t happy to give the contact as a reference at a later date.

8. The Promise ($$): When you are pitching to investors, your fundamental promise is that you are going to make them a boatload of money. The only way you can do that is if you can achieve a level of success that far exceeds the capital. What is your path to profitability and positive cash-flow? When will you get there? When will your investors start enjoying a financial return on their investment?


Remember, a 1-Page Executive Summaries need to be one page!

TaskRabbit, founded in 2008 by Leah Busque, is a two-sided marketplace that helps connect TaskPosters and TaskRabbits. Task Posters, people who require help with their regular tasks. TaskRabbits, people who have skills and time needed to help others in their regular tasks in return for some money. Tasks include planting, cleaning, pet care, plumbing, and more. 

TaskRabbit raised around $38 million funding as of July 2015. Then the IKEA Group acquired it in 2017. As of 2020, there were more than 140,000 Taskers on the network. On average, Taskers in the U.S. earned $35/hour. Below is an example of a Task Rabbit one-pager.




Below are some of the advantages of the one-page executive summary over the traditional, 30-50 page business plans when raising money.
-Increased likelihood of being read by potential investors, 1 versus 30+ pages
-Less work
-Easier to pivot/modify when you learn new information

I am not suggesting this is the only support for your business. You obviously need to do the work to support your one-pager. However, this still saves you from wasting a ton of time creating a formal 30-50 page document.   

Your one-page executive summary is important for every angel funding campaign. It helps you clarify your thoughts and communicate your vision. If you cannot summarize your concept in a 1-pager, you probably need to work on your business more before pitching investors.



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com

Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com

Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com


Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax, or medical advice.



Do you want more? 


Previous Post - Pitch Investors Using the Perfect Slide Deck and What Air Bed & Breakfast, Better Known as Airbnb, Included in Their First Pitch Deck - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 5



Sources
https://www.sba.gov/offices/district/az/phoenix/resources/sba-recommended-business-plans-length#:~:text=This%20is%20one%20of%20the,on%20their%20own%20personal%20perspective. 
https://rencarlton.blogspot.com/2020/01/is-writing-business-plan-waste-of-time.html 
https://guykawasaki.com/the_art_of_the_-3/
https://www.appcentricsolutions.com/how-does-taskrabbit-works/ 



Tuesday, June 1, 2021

Pitch Investors Using the Perfect Slide Deck and What Air Bed & Breakfast, Better Known as Airbnb, Included in Their First Pitch Deck

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 5



This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


When you go into a meeting with potential investors, you need to be prepared. One of the standard tools for raising money is a slide deck. What is a slide deck?

A slide deck, or pitch deck, or deck, is a term used by business presentation used by startup founders to explain their business model to potential investors. It is typically created using Microsoft Powerpoint, or a similar slide presentation program. 

Airbnb is one of the revolutionary business start-ups of our time. Airbnb, originally Air Bed & Breakfast, enables people to travel in a way that is more affordable by allowing people to stay at the homes of people who are willing to offer their residence for travelers, rather than staying at hotels. 

Here are the major sections used by Airbnb in their original pitch deck.

-Problem 
-Solution 
-Market Validation 
-Market Size
-Product 
-Business Model 
-Market Adoption 
-Competition 
-Competitive Advantages 

Check out Airbnb's original pitch deck using the following link.


It is simple, has lots of photos, and only 12 slides. You can also see a number of other famous pitch decks following that link.
 
When going through your slide deck it is show time. You should be hitting the major bullet points of your business model. Walk your audience through stories and the key points from your one-page executive summary, e.g. business idea, target market, competitors, marketing strategy, financial plans, etc.

There has also been research done on colors. Pay attention to the color palette of your slide deck. People are drawn to colors that stand out and make them feel warm. Use blue, purple, or green as a background for a calming effect. You can use yellow to highlight the important points. Red can be used for talking about competition. It is good to avoid color contrasts such as red and green, orange and blue, and red and blue.

Keep your presentation short and sweet. Avoid adding too much text to your slide deck. 10-15 slides maximum. Make sure you leave plenty of time and room for questions. Keep the presentation alive by adding stories to it. 

When pitching, focus on selling the benefits and the sizzle. We have a saying,” focus on selling the brownies.” If you are selling brownie mix, what should you emphasize? Does the front of the box show eggs, flour, and powder? No! There is a picture of perfectly baked brownies right on the front of the box. Focus on selling the brownies.

Important note, I deliberately build my slide decks so they are not very useful unless I am there presenting it. You probably do not want others presenting your business to potential investors.  No one will know your business better than you do. We definitely want as many people as possible talking about your opportunity. However, when you are pitching investors, you want to be the one going through the slides, explaining the details, and monitoring reactions. 

This is the way to pitch your billion-dollar idea.



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com


Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com


Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com



Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax, or medical advice.




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Previous Post - Upscaling and Scaling Business Ideas – Jeff Bezos takes Amazon from Online Bookstore to Global Dominance - Find Angel Funding & VC – Episode 4
 


Sources
.

Tuesday, May 25, 2021

Upscaling and Scaling Business Ideas – Jeff Bezos takes Amazon from Online Bookstore to Global Dominance

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 4



This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


Congratulations, your market testing worked and you were able to find customers, or at least one customer. Your beta test was successful and you are confident that you are ready for more. What do you do when you start getting customers or users? I recommend you do some scaling or upscaling. 

Quick clarification, I have seen the terms scaling and upscaling used interchangeably in the startup world. For our purposes, we will use the term scaling to mean taking the actions necessary to grow your customer base. We will use the term upscaling to mean improving the quality of your business.

Market testing is performing activities designed to prove or disprove that there is a market for your business idea. We did a limited amount of market testing during our beta testing. Now that you have proven you can find a service 1-2 customers, let’s see what happens when you try to do handle 10, 12, 14 customers/users. This is scaling your business. 

I call this mini-scaling, since we are probably not ready to handle thousands of customers/users yet. Let’s put the business processes, system, and the business idea you have built under some pressure. Do you do it all yourself? Can your team handle it? Do you need to hire employees or contractors? Do you need another location or more space? Can you use technology to help smooth the transition? Do you need other financial assets? Upscaling your business is the goal. 

One of the things you will learn very quickly is that there is a difference between serving one customer vs. serving 10 customers vs. 100 customers. It can change almost everything about your business processes.

Jeff Bezos started Amazon started as a bookseller in 1994, and later scaled by first adding things like home appliances and video games. Today the online retailer sells almost anything.  

Amazon also upscaled by offering online customers much more than just products. Jeff Bezos initially stayed away from carrying inventory. Today, the online marketplace own warehouses full of inventory. Amazon also offers entrepreneurs the ability to sell their products through their website. In 2006 Amazon started offering order fulfillment services. Today, Amazon is one of the largest companies in the world

You need to think the same way to create your billion-dollar company. Scaling and upscaling are not just one-time things. They both need to become part of your culture and ongoing growth strategy.



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com

Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com

Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com


Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax




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Previous Post - Beta Test Your Business Idea, How Entrepreneurs Market and Prove Business Ideas Before Claiming They Have Discovered the Next Uber - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 3

Sources:

Thursday, May 20, 2021

Are You Tired Of Working for Other People on Their Terms? Have You Dreamed of Designing the Lifestyle That Is Right for You? Here Is Your Chance.




This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


Are You Tired Of Working for Other People on Their Terms? 

Have You Dreamed of Designing the Lifestyle That Is Right for You? 

Here Is Your Chance.

Register today so you don't miss out, https://bit.ly/343KXwB



Featured Opportunities 

Please email Opportunities@omegaaccelerator.com, if any of the following opportunities interest you. We have opportunities for novices, experienced entrepreneurs, and seasoned angel investors. 

-Work when you want

-Work where you want

-Work on what you want 


We recommend you email us immediately because opportunities are often allocated on a first come, first serve basis. Register today so you don't miss future opportunities, https://bit.ly/343KXwB


Healthcare Society Relaunch 

We are looking for an advisor to manage the relaunch of our physician society that helps physicians start, grow, and sell their medical practices. The ideal advisor will have experience advising healthcare administrators and physician entrepreneurs. A large network of healthcare professionals will also be helpful. $75-$125 per hour plus incentives. 


Cybersecurity Startup Founding Team

We are forming a startup team to launch a cybersecurity business. We are looking for founders to fill the following roles. $5,000-$25,000 investment and 10-20 hours per week required, flexible schedule,100% remote. $100,000-150,000 annual compensation plus incentives. Compensation begins after seed-round is complete. 

-IT and Cybersecurity - Identity protection 

-Digital Marketing - Website, social media, direct email  

-Fundraising - Seed-round and Series A

-Sales - Strategic partnerships and direct to consumer


Roles for First-Time Startup Advisors 

Are you eager to work with early-stage businesses, but lack the knowledge and experience necessary to advise startups? We can help. We have roles suited for novice startup advisors that need experience. Although these projects are unpaid, these projects should help you earn the knowledge and experience you need. You may even earn paid consulting engagements by showing your talents working in these roles. 

-Funding Marketing Assistant - Help us identify and apply for funding from relevant funding sources. 


-Technology Applications Assistant - Help us identify, test, and implement technology solutions for various purposes.


Please register today so you you never miss another opportunity, https://bit.ly/343KXwB 


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Make sure you follow us on social and watch for our emails for upcoming events, promotions, offers, and more. Please also share our content and offers with your network because this will help us help you.


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Disclaimer: This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering legal, investment, tax, or medical advice.


Tuesday, May 18, 2021

How Entrepreneurs Beta Test a Business Idea, Proving You Found the Next Uber

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 3



This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


After you have your business idea and your sales pitch in place, the next step for an entrepreneur is to understand how to beta test his/her business idea. Before you can build a billion or trillion dollar empire, you might want to start with one sale.

Beta testing is a round of testing releasing your business to a wide audience. The objective is to uncover problems and issues in a controlled setting. This term beta testing is typically used in SAAS, Software as a Service, companies, but it can be applied to any business startup.

Start talking to people as soon as possible. Friends, family, and coworkers are a great starting point. What do they like? What do they not like? Personally, I have found the best way to beta test an idea is to go out there and actually try to sell it. The best way to see if there is a market for your business is to see if strangers will pay you for it. I recommend you do this under very controlled conditions in order to minimize exposing the potential problems of your business to a limited number of people. 

If you cannot sell it, you need to expand your beta test or consider pivoting. You will save a lot of time, energy, and aggravations if you can discover this as early as possible. That is why I do this early and often.

What do you do if people do buy your product or service? Congratulations, this is a good thing! It means you are on to something. Try to fulfill the order. Do not worry about making money yet. Work on fulfilling the order. Profitability comes with growth and economies of scale. 
 
You may be thinking, “I can’t do fulfill the order, I am working on an app.” I would argue almost any business beta test their concept, even SAAS companies before their software is fully developed. For example, Take Uber before their app was developed. You can place ads and hire a bunch of uber drivers to drive people from place-to-place in their cars. You can also solicit customers that need rides through ads, networking, cold calls. Is this efficient? No. Will this be profitable? Probably not. Will this give you an idea of demand and identify some future problems? Definitely! 

There is no downside when an entrepreneur beta tests their business idea. If you find out that nobody wants what you are selling, than you can pivot into something better. You also save a lot of time, energy, and aggravation down the road. 

If you succeed, then you can leverage your beta test into moving forward with confidence. You also have data validating your business to potential investors. 



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com

Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com

Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com


Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax, or medical advice. 



Want More? 


Previous Post - Building a powerful elevator pitch - How Steve Jobs Stole John Sculley From Pepsi During the Early Days of Apple - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 2

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Tuesday, May 11, 2021

Building a powerful elevator pitch - How Steve Jobs' Stole John Sculley From Pepsi During the Early Days of Apple

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 2


This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


After you pick the business idea you want to explore, it is time to go to work. The next step is for an entrepreneur is to build an elevator pitch. What is an elevator pitch?

An elevator pitch is a short, concise way of describing your business to outsiders who have no idea about you or your business. It is a prepared mini-speech designed to spark interest in potential investors, customers, and employees. A good elevator pitch is succinct, intriguing, and memorable. A great elevator pitch makes your listener want to learn more. An amazing elevator pitch makes your listener drop everything and join you. More on this later.


Imagine you are riding in an elevator with someone for 30-60 seconds. Can you describe your business idea to that person before the elevator ride is over? I recommend you hit as many of these elements as possible. 
-Who you are
-Business name and tagline
-What you are doing
-Value proposition 
-Why you are doing it 
-Why others should care about it
-Where you will do this
-When this will happen
-How you are doing it
-Your ask(s), maximum of 3 
  
Perfecting your elevator pitch takes time and will likely change, especially if you have not finalized your business idea. At this stage, I definitely think it is beneficial to leave room for flexibility and pivoting. The earlier you work out the kinks of your business idea the better. Changes down the road typically cost more time, money, and effort. 

I have one more quick suggestion for all of you entrepreneurs out there. It is easy for thoughts to change or even slip away if you keep them in your head. This will not happen if you write them down. Document all your thoughts about your business idea in a journal, or even better on your Smartphone. Then you can revisit your thoughts, and document potential changes or ideas, so you can create the perfect elevator pitch for your billion-dollar idea.   

Would you like a little more convincing about the importance of an elevator pitch? Steve Jobs, founder of Apple, made one of the more famous elevator pitches to John Sculley of Pepsi.

Back in 1983, John Sculley was the president of Pepsi. He was a very highly paid executive sitting atop of one of PepsiCo's most important divisions, and the youngest president in Pepsi's history.

Sculley had dedicated his career to Pepsi, and was widely believed to be a serious contender to become PepsiCo's chairman one day. Sculley constantly turned down offers from other companies. Then Steve Jobs reached him.

Apple was looking for a CEO. Steve Jobs needed someone to run the company while he focused on product development. Although Sculley was intrigued by Apple's rise to become a Fortune 500 company in only six years, he said he was not interested.

Sculley eventually agreed to meet Jobs. Initially, he was taken aback by how young he was. Steve was only 27, but he and Sculley had a lot in common. Both were detail-oriented perfectionists, and both liked to build companies.

However, Sculley was shocked by Apple's headquarters. It looked like the branch office of an insurance company. Completely unimpressive. Sculley also noticed he was the only person wearing a suit, as all the Apple employees were dressed less formally than the maintenance staff at Pepsi.

Jobs told Sculley that Apple was going to be the most important computer company in the world because it was going to put the technological power of corporations into the hands of the individual.

Sculley was impressed with Jobs. Jobs was fascinated by Pepsi's marketing. However, at the end of the meeting, Sculley reiterated that he was not interested in leaving Pepsi. 

Jobs persisted. Eventually, Jobs had one more opportunity to pitch Sculley. During the pitch, Jobs looked Sculley in the eyes and said, "Do you want to spend the rest of your life selling sugared water, or do you want a chance to change the world?"

That challenge hit Sculley like a fist in the stomach. That one sentence that haunted him. It gnawed at Sculley. It would not let him sleep. It was so powerful, it finally convinced him to leave Pepsi behind and join Apple. Today, that elevator pitch is considered one of the best elevator pitches in history.



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com

Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com

Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com


Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax, or medical advice. 



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Previous Post - What Kind of Business Should You Start? – How Mark Zuckerberg Pivoted From Rating Hotness to Facebook- Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 1

 

Tuesday, May 4, 2021

What Kind of Business Should You Start? – How Mark Zuckerberg Pivoted From Rating Hotness to Facebook

Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders – Episode 1




This video is part of my series - Find Angel Funding & Venture Capital for Business Startups, Entrepreneurs, & First Time Founders, learn more by visiting https://bit.ly/3hExYJX


When it comes to brainstorming startup ideas, new entrepreneurs and even seasoned ones scratch their heads in confusion. Living in the information age, you can scan the current market and see countless new business ideas. With so many options out there, how do you know which one is right for you?

The key here is to start something, anything, because you will see many changes along the way e.g. pivots. Even Facebook did not start as Facebook. Mark Zuckerberg did not start off thinking he was going to create the biggest social network in the world. Instead, it all began with developing “FaceMash,” a program where students from Harvard would connect and rate each other based on their “hotness.” 

To make FaceMash work, Mark breached the privacy of students on campus, which landed him in some hot water with the administration board. He took down the website and apologized. Then he took a different direction and created Facebook the following year.

Remember, your business starts with you. Explore options, talk to people, and see how it goes. It will help you learn what works and what doesn’t, This should open your eyes to the best ideas. Happy hunting!



Are you looking for funding for an idea or business, send us your stuff and we will take a look, Funding@OmegaSeedFund.com

Are you interested in investing time or money into any of our businesses, info@omegaseedfund.com

Are you interested in promoting your product or service to our audience, contact Opportunities@OmegaSeedFund.com


Disclaimer: This is only for informational and discussion purposes. This does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service. We are not offering any legal, investment, tax, or medical advice.