Investers - Not looking

I am NOT looking for investors, loans, or anything like that.

Weird timing.  Mother's portion of the farm was transfer on death.  It was an agreement the family members made when we started the homestead, pooling resources and leaving our share to the collective should we pass.  Not sure how, but she transferred 20K of debt with it.  Finding a mortgage is hard.  Wife has been out of work due to my medical challenges.  I got tons of medical debt.

Posted something about doing a go fund me thing to expand into a full blown nursery.  Idea is sort of Community Supported Agriculture.  That for your contribution, you get a return of one plant for every two bucks invested.  Mainly just pondering and bouncing ideas around on my facebook page.
 
Out the blue, someone I know asks me to put together a business plan cause he knows someone who often invests in small business, especially those who have met with adversity.  Now he could be full of it, but for some weird reason I don't think so.  I am fairly sure his employer backed a festival I attend.  So might be serious.

Thing is, I do not know a damn thing about investors.  Is it like a loan?  How does it usually work?
 
Secure funding as if it was kickstarter or go fund me if you can.  Though the sums might be smaller no one owns your stuff.  Putting a business plan together CANNOT hurt you, can only help.  If you go the private route that's great too, save that anyone funding you will usually want a chunk of your business in return.  Think about this rationally AJ - are you in a position to plan your business down to the iota for the next 5-7 years?  If that's the case it could benefit you to exchange a chunk of it for capital now. If not then hold off on taking funds in exchange for shares in whatever business you're building at the moment.  NOT taking money or more appropriately knowing WHEN to take money on what terms is the best advice I could offer.  
 
Whatever you do, do not seek investors online, SEC violation, illegal.
 
Crowdfunding sites skirt it with "contribution" language and perks.

Actually never mind, this is good to know: http://www.forbes.com/sites/tanyaprive/2013/09/23/general-solicitation-ban-lifted-today-three-things-you-must-about-it/#281f5fbd35a3
"It’s official- startups can now publicly advertise that they are seeking investments during startup fundraising, but it does come with additional responsibilities of which all entrepreneurs must be aware."
 
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Hotpepper, not looking for investors online or anywhere.  Someone just kind of offered after I was bouncing ideas for fund raising and someone offered.  Frankly, I dont like the idea. 
 
Quee, I agree so very much.  Is why have never thought about using someone else's money.  It is another bill to pay each month.  Better to grow organically and pay your own bills.

Smokefire, one way or another I am going to owe someone something.  Most likely going to find a high risk mortgage company and try to pay off early.
 
ajdrew said:
Hotpepper, not looking for investors online or anywhere.  Someone just kind of offered after I was bouncing ideas for fund raising and someone offered.  Frankly, I dont like the idea. 
 
No worries, you just used to have to be super careful about mentioning it online but it looks like the laxed the laws.
 
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