{"id":1969,"date":"2025-09-26T14:39:00","date_gmt":"2025-09-26T14:39:00","guid":{"rendered":"https:\/\/heklan.is\/?post_type=fraedsla-frumkvodla&#038;p=1969"},"modified":"2025-09-26T14:39:02","modified_gmt":"2025-09-26T14:39:02","slug":"fjarmognun","status":"publish","type":"fraedsla-frumkvodla","link":"https:\/\/heklan.is\/en\/fraedsla-frumkvodla\/fjarmognun\/","title":{"rendered":"Financing"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Fj\u00e1rmagn \u00fearf til a\u00f0 hugmynd geti or\u00f0i\u00f0 a\u00f0 raunverulegum rekstri. \u00dev\u00ed betur sem \u00fe\u00fa hefur skilgreint hugmyndina og getur r\u00f6kstutt vi\u00f0skiptagrundv\u00f6ll hennar, \u00fev\u00ed meiri l\u00edkur eru \u00e1 a\u00f0 \u00fe\u00fa getir fj\u00e1rmagna\u00f0 verkefni\u00f0 me\u00f0 \u00fev\u00ed a\u00f0 f\u00e1 fj\u00e1rfesta inn e\u00f0a tryggt \u00fe\u00e9r a\u00f0ra fj\u00e1m\u00f6gnun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ddmsar lei\u00f0ir eru til a\u00f0 fj\u00e1rmagna rekstur e\u00f0a vi\u00f0skiptahugmynd. Algengustu lei\u00f0irnar eru bankal\u00e1n, fj\u00e1rfestar,&nbsp; h\u00f3pfj\u00e1rm\u00f6gnun og fj\u00f6lskyldul\u00e1n.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-26e2c97\" id=\"gspb_toc-id-gsbp-26e2c97\" data-offset=\"150\" itemscope itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Fj\u00e1rm\u00f6gnun almennt\"\/><a class=\"gs-scrollto\" href=\"#fjarmognun-almennt\">Fj\u00e1rm\u00f6gnun almennt<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Bankal\u00e1n\"\/><a class=\"gs-scrollto\" href=\"#bankalan\">Bankal\u00e1n<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Fj\u00e1rfestar\"\/><a class=\"gs-scrollto\" href=\"#fjarfestar\">Fj\u00e1rfestar<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"H\u00f3pfj\u00e1rm\u00f6gnun\"\/><a class=\"gs-scrollto\" href=\"#hopfjarmognun\">H\u00f3pfj\u00e1rm\u00f6gnun<\/a><\/span><\/div><\/div><nav class=\"gs-section-sticky-nav\"><ul class=\"gs-sticky-toc-list\"><li itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><meta itemprop=\"name\" content=\"Fj\u00e1rm\u00f6gnun almennt\"\/><a class=\"gs-scrollto\" href=\"#fjarmognun-almennt\">Fj\u00e1rm\u00f6gnun almennt<\/a><\/li><li itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><meta itemprop=\"name\" content=\"Bankal\u00e1n\"\/><a class=\"gs-scrollto\" href=\"#bankalan\">Bankal\u00e1n<\/a><\/li><li itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><meta itemprop=\"name\" content=\"Fj\u00e1rfestar\"\/><a class=\"gs-scrollto\" href=\"#fjarfestar\">Fj\u00e1rfestar<\/a><\/li><li itemscope itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><meta itemprop=\"name\" content=\"H\u00f3pfj\u00e1rm\u00f6gnun\"\/><a class=\"gs-scrollto\" href=\"#hopfjarmognun\">H\u00f3pfj\u00e1rm\u00f6gnun<\/a><\/li><\/ul><div class=\"gs-toc-mobile\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" x=\"0px\" y=\"0px\" width=\"29.957px\" height=\"122.88px\" viewbox=\"0 0 29.957 122.88\"><g><path d=\"M14.978,0c8.27,0,14.979,6.708,14.979,14.979c0,8.27-6.709,14.976-14.979,14.976 C6.708,29.954,0,23.249,0,14.979C0,6.708,6.708,0,14.978,0L14.978,0z M14.978,92.926c8.27,0,14.979,6.708,14.979,14.979 s-6.709,14.976-14.979,14.976C6.708,122.88,0,116.175,0,107.904S6.708,92.926,14.978,92.926L14.978,92.926z M14.978,46.463 c8.27,0,14.979,6.708,14.979,14.979s-6.709,14.978-14.979,14.978C6.708,76.419,0,69.712,0,61.441S6.708,46.463,14.978,46.463 L14.978,46.463z\"><\/path><\/g><\/svg><\/div><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fjarmognun-almennt\">Fj\u00e1rm\u00f6gnun almennt<\/h2>\n\n\n<style><\/style><style><\/style>\n<hr class=\"wp-block-separator has-text-color has-palette-color-1-color has-alpha-channel-opacity has-palette-color-1-background-color has-background is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deegar fyrirt\u00e6ki\u00f0 er \u00e1 hugmyndastigi m\u00e1 gera r\u00e1\u00f0 fyrir a\u00f0 frumkv\u00f6\u00f0ull \u00feurfi a\u00f0 verja umtalsver\u00f0um t\u00edma \u00ed a\u00f0 vinna a\u00f0 hugmyndinni. Frumkv\u00f6\u00f0ullinn \u00fearf a\u00f0 l\u00edta \u00e1 \u00feennan t\u00edma sem fj\u00e1rfestingu \u00ed fyrirt\u00e6kinu. Ef \u00fe\u00fa ert ekki tilb\u00fain\/nn til a\u00f0 taka \u00e1h\u00e6ttu me\u00f0 eigi\u00f0 f\u00e9 og t\u00edma, hvers vegna \u00e6ttu \u00fe\u00e1 a\u00f0rir a\u00f0 ve\u00f0ja \u00e1 \u00fe\u00edna hugmynd me\u00f0 s\u00ednu fj\u00e1rmagni?<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-b18fe70\" id=\"gspb_accordion-id-gsbp-b18fe70\" >\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-f4c1446 gsclose\" id=\"gspb_accordionitem-gsbp-f4c1446\" itemscope><div id=\"gs-trigger-gsbp-b18fe70-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-f4c1446\"><div class=\"gs-accordion-item__heading\">Hversu miki\u00f0 fj\u00e1rmagn \u00fearf?<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-b18fe70-0\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-f4c1446\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">\u00c6skilegt er a\u00f0 \u00fe\u00fa finnir snemma \u00fat hversu miki\u00f0 fj\u00e1rmagn \u00fe\u00fa \u00fearft til a\u00f0 koma hugmyndinni \u00e1fram. Stundum getur duga\u00f0 a\u00f0 f\u00e1 yfirdr\u00e1tt hj\u00e1 bankanum, e\u00f0a langt\u00edmal\u00e1n. Ef mikla n\u00fdsk\u00f6pun er a\u00f0 finna \u00ed hugmyndinni getur \u00fe\u00fa \u00e1tt m\u00f6guleika \u00e1 opinberum styrkjum. Ef \u00fe\u00fa getur s\u00fdnt fram \u00e1 mikla n\u00fdsk\u00f6pun og a\u00f0 fyrirt\u00e6ki\u00f0 eigi m\u00f6guleika \u00e1 erlendum marka\u00f0i, aukast l\u00edkurnar \u00e1 a\u00f0 \u00fe\u00fa getir sannf\u00e6rt fj\u00e1rfesta a\u00f0 koma me\u00f0 f\u00e9 inn \u00ed reksturinn fyrir \u00e1kve\u00f0na eignarhlutapr\u00f3sentu af fyrirt\u00e6kinu.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-8d652ac gsclose\" id=\"gspb_accordionitem-gsbp-8d652ac\" itemscope><div id=\"gs-trigger-gsbp-b18fe70-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-8d652ac\"><div class=\"gs-accordion-item__heading\">Form og umfang styrkja<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-b18fe70-1\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-8d652ac\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">The form and scope of grant applications vary, so it is advisable to allow plenty of time for them and not to apply at the last minute. It is a good idea to ask someone who is not connected to the project to review and critique the application for you. Most of the time, these are competitive grants, so it is very important to have a clear and strong application. Applying for grants can be a significant amount of work, but good preparation is key to receiving a grant. It is extremely important to carefully read the guidelines and rules for the grants to determine if the project is a good fit for a particular fund.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-ced0004 gsclose\" id=\"gspb_accordionitem-gsbp-ced0004\" itemscope><div id=\"gs-trigger-gsbp-b18fe70-2\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-ced0004\"><div class=\"gs-accordion-item__heading\">Vi\u00f0skipta\u00e1\u00e6tlun gengur fyrir<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-b18fe70-2\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-ced0004\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Gagnlegt er a\u00f0 vera b\u00fainn a\u00f0 vinna vi\u00f0skipta\u00e1\u00e6tlun \u00e1\u00f0ur en s\u00f3tt er um styrk, \u00feannig s\u00fdnir \u00fe\u00fa fram \u00e1 a\u00f0 vi\u00f0skiptahugmyndin s\u00e9 raunh\u00e6f og a\u00f0 \u00fea\u00f0 s\u00e9 rekstrargrundv\u00f6llur fyrir vi\u00f0skiptahugmyndinni. Hins vegar eru einstaka sj\u00f3\u00f0ir sem veita styrki til \u00feess a\u00f0 vinna a\u00f0 vi\u00f0skipta\u00e1\u00e6tlun&nbsp;og m\u00f3ta hugmyndina vel \u00e1\u00f0ur en s\u00f3tt er um styrk.&nbsp;&nbsp;\u00de\u00f3 hugmyndin s\u00e9 \u00e1 byrjunarstigi&nbsp;er nau\u00f0synlegt a\u00f0 geta sk\u00fdrt \u00fat hver n\u00fdjung verkefnisins er, hva\u00f0a vandam\u00e1l \u00e1 a\u00f0 leysa me\u00f0 v\u00f6runni og hafa greinag\u00f3\u00f0a markh\u00f3pal\u00fdsingu. \u00deetta er allt hluti af grundvallaratri\u00f0um vi\u00f0skipta\u00e1\u00e6tlunar. \u00cd sumum tilfellum \u00feurfa a\u00f0 liggja fyrir \u00fdtarlegar uppl\u00fdsingar svo sem fullb\u00fain vi\u00f0skipta\u00e1\u00e6tlun og fj\u00e1rhags\u00e1\u00e6tlun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yfirleitt er s\u00f3tt um fyrir \u00e1kve\u00f0num verk\u00fe\u00e1ttum sem \u00feurfa a\u00f0 vera sk\u00fdrir, raunh\u00e6fir og \u00ed samr\u00e6mi vi\u00f0 \u00fea\u00f0 hvar verkefni\u00f0 er statt \u00e1 \u00feeim t\u00edmapunkti sem s\u00f3tt er um styrkinn. &nbsp;\u00dea\u00f0 getur veri\u00f0 t\u00edmafrekt a\u00f0 vinna styrktarums\u00f3kn og \u00fev\u00ed er afar mikilv\u00e6gt a\u00f0 lesa vel yfir lei\u00f0beiningar og reglur styrkjanna til a\u00f0 greina hvort a\u00f0 verkefni\u00f0 eigi erindi \u00ed tiltekinn sj\u00f3\u00f0.&nbsp;<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bankalan\">Bankal\u00e1n<\/h2>\n\n\n<style><\/style><style><\/style>\n<hr class=\"wp-block-separator has-text-color has-palette-color-1-color has-alpha-channel-opacity has-palette-color-1-background-color has-background is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er n\u00e1nast \u00f3gj\u00f6rningur a\u00f0 standa \u00ed rekstri \u00e1n \u00feess a\u00f0 vera \u00ed g\u00f3\u00f0um samskiptum vi\u00f0 eigin vi\u00f0skiptabanka. \u00de\u00f3 \u00fe\u00fa s\u00e6kist ekki eftir l\u00e1ni \u00ed bankanum, \u00fe\u00e1 veita bankar \u00fdmsa \u00fej\u00f3nustu til rekstrara\u00f0ila sem geta komi\u00f0 a\u00f0 g\u00f3\u00f0um notum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gott er a\u00f0 fara \u00ed bankann og r\u00e6\u00f0a um \u00e1\u00e6tlanir \u00fe\u00ednar. \u00deeir munu eflaust gefa \u00fe\u00e9r g\u00f3\u00f0 r\u00e1\u00f0 og greina \u00fe\u00e9r fr\u00e1 \u00fev\u00ed hva\u00f0 er \u00ed bo\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Frambo\u00f0 banka \u00e1 l\u00e1num til frumkv\u00f6\u00f0la kann a\u00f0 vera misjafnt \u00e1 hverjum t\u00edma. \u00dev\u00ed borgar sig a\u00f0 sko\u00f0a hva\u00f0 er \u00ed bo\u00f0i \u00ed fleiri en einum banka til a\u00f0 vera viss um a\u00f0 velja besta kostinn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er tv\u00edm\u00e6lalaust betra fyrir \u00feig a\u00f0 vera me\u00f0 vi\u00f0skipta\u00e1\u00e6tlun \u00ed h\u00f6ndunum. \u00de\u00e1 veit bankinn a\u00f0 \u00fe\u00e9r er alvara me\u00f0 hugmyndir \u00fe\u00ednar og \u00fea\u00f0 eykur m\u00f6guleika \u00fe\u00edna \u00e1 l\u00e1ni. Gott getur veri\u00f0 a\u00f0 r\u00e6\u00f0a vi\u00f0 starfsmenn bankans t\u00edmanlega til a\u00f0 finna \u00fat hva\u00f0 \u00feeir vilja sj\u00e1 \u00ed vi\u00f0skipta\u00e1\u00e6tluninni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekki \u00feurfa allir st\u00f3r l\u00e1n til a\u00f0 hefja rekstur. Haf\u00f0u \u00ed&nbsp;huga a\u00f0 \u00e1h\u00e6ttan vi\u00f0 a\u00f0 fara \u00fat \u00ed rekstur er minni eftir \u00fev\u00ed sem minna er teki\u00f0 af l\u00e1num. \u00dea\u00f0 getur \u00fe\u00f3 veri\u00f0 a\u00f0 rekstur \u00feurfi verulegt fj\u00e1rmagn til a\u00f0 fara af sta\u00f0 en \u00fea\u00f0 \u00fe\u00fd\u00f0ir jafnframt a\u00f0 falli\u00f0 er h\u00e6rra ef illa fer. Oft er fari\u00f0 \u00fat \u00ed fyrirt\u00e6kjarekstur me\u00f0 l\u00edtil sem engin bankal\u00e1n \u00fear sem fj\u00e1r\u00fe\u00f6rf er ekki mikil \u00ed byrjun. Ef \u00fe\u00fa \u00e1tt \u00ed erfi\u00f0leikum me\u00f0 a\u00f0 f\u00e1 l\u00e1n \u00fe\u00e1 getur \u00fe\u00fa fari\u00f0 yfir stofnkostna\u00f0inn og sko\u00f0a\u00f0 hvort ekki er m\u00f6gulegt a\u00f0 l\u00e6kka hann.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c6skilegt er a\u00f0 \u00fe\u00fa finnir \u00fat snemma hvort \u00fe\u00fa \u00fearft \u00e1 bankafj\u00e1rm\u00f6gnun a\u00f0 halda til a\u00f0 koma rekstri \u00fe\u00ednum af sta\u00f0. \u00dearftu verksmi\u00f0ju e\u00f0a skrifstofu? \u00dearftu a\u00f0 r\u00e1\u00f0a til \u00fe\u00edn starfsmenn? Tekur t\u00edma a\u00f0 finna vi\u00f0skiptavini? Ef \u00fe\u00fa kemst ekki hj\u00e1 \u00feessum \u00fe\u00e1ttum er fyrirsj\u00e1anlegt a\u00f0 \u00fe\u00fa \u00feurfir a\u00f0 f\u00e1 peninga a\u00f0 l\u00e1ni og \u00fe\u00e1 hj\u00e1lpar a\u00f0 hafa g\u00f3\u00f0a vi\u00f0skipta\u00e1\u00e6tlun.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-42cc3b3\" id=\"gspb_accordion-id-gsbp-42cc3b3\" >\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-a459230 gsclose\" id=\"gspb_accordionitem-gsbp-a459230\" itemscope><div id=\"gs-trigger-gsbp-42cc3b3-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-a459230\"><div class=\"gs-accordion-item__heading\">Hvernig metur bankinn l\u00e1naums\u00f3kn?<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-42cc3b3-0\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-a459230\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">L\u00edklegt er a\u00f0 bankinn meti ums\u00f3kn \u00fe\u00edna \u00e1 a.m.k. \u00feremur \u00fe\u00e1ttum:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stj\u00f3rnun \u2013 h\u00e6fileikar \u00fe\u00ednir sem rekstrara\u00f0ila, \u00fear \u00e1 me\u00f0al h\u00e6fileikar \u00fe\u00ednir til a\u00f0 stj\u00f3rna.<\/li>\n\n\n\n<li>Hversu l\u00edfv\u00e6nleg er vi\u00f0skiptahugmynd \u00fe\u00edn \u2013 marka\u00f0urinn fyrir hugmynd \u00fe\u00edna e\u00f0a \u00fej\u00f3nustu, kostna\u00f0ur vi\u00f0 reksturinn og fj\u00e1rhags\u00e1\u00e6tlanir \u00fe\u00ednar.<\/li>\n\n\n\n<li>\u00c1h\u00e6tta \u2013 \u00e1h\u00e6ttan sem bankinn tekur \u00ed \u00fev\u00ed a\u00f0 f\u00e1 ekki peninga s\u00edna til baka. Haf\u00f0u \u00ed huga a\u00f0 ef vel gengur deilir bankinn ekki \u00e1g\u00f3\u00f0anum me\u00f0 \u00fe\u00e9r en hann getur tapa\u00f0 ef illa gengur. \u00cd hugum bankamanna er allur n\u00fdr rekstur \u00e1h\u00e6ttusamur. Vegna \u00feessa vill bankinn tryggja sig sem best \u00e1\u00f0ur en hann l\u00e1nar&nbsp;peninga og er \u00fear fyrst og fremst horft til tveggja hluta, hlutafj\u00e1r og ve\u00f0s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.svanni.is\/forsida\/\" target=\"_blank\" rel=\"noreferrer noopener\">Swan<\/a>&nbsp;er l\u00e1natryggingarsj\u00f3\u00f0ur kvenna sem veitir veitir l\u00e1natryggingar til fyrirt\u00e6kja \u00ed eigu kvenna og er hann \u00ed samstarfi vi\u00f0 Landsbankann um l\u00e1nafyrirgrei\u00f0slu. Eing\u00f6ngu fyrirt\u00e6ki sem eru \u00ed meirihlutaeigu konu\/kvenna og undir stj\u00f3rn konu\/kvenna geta s\u00f3tt um l\u00e1n og l\u00e1natryggingu.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.arionbanki.is\/fyrirtaeki\/fjarmognun\/\" target=\"_blank\" rel=\"noreferrer noopener\">Arion banki<\/a>,&nbsp;<a href=\"https:\/\/www.islandsbanki.is\/is\/flokkur\/fyrirtaeki\/fyrirtaekjathjonusta-isl\" target=\"_blank\" rel=\"noreferrer noopener\">\u00cdslandsbanki<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.landsbankinn.is\/fyrirtaeki\/lan-og-fjarmognun\/framkvaemdalan\" target=\"_blank\" rel=\"noreferrer noopener\">Landsbankinn&nbsp;<\/a>bj\u00f3\u00f0a allir fyrirt\u00e6kjum fj\u00f6lbreytta \u00fej\u00f3nustu og \u00fdmsa m\u00f6guleika \u00ed fj\u00e1rm\u00f6gnun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c1\u00f0ur en \u00fe\u00fa fer\u00f0 \u00ed bankann:<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-33431c9\" id=\"gspb_button-id-gsbp-33431c9\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/heklan.is\/en\/gagnleg-gogn\/vidskipta-og-rekstraraaetlanir\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Ger\u00f0 vi\u00f0skipta\u00e1\u00e6tlunar<\/span><\/span><\/span><\/a><\/div>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-5762a79\" id=\"gspb_button-id-gsbp-5762a79\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/heklan.is\/en\/gagnleg-gogn\/vidskiptahugmyndin-og-motun-vorunnar\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">M\u00f3tun vi\u00f0skiptahugmyndar<\/span><\/span><\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-e9dea917-165f-4287-aec1-087ec884fe40\" href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/n_llpunktur_05082014.xls\">n_llpunktur_05082014<\/a><a href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/n_llpunktur_05082014.xls\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-e9dea917-165f-4287-aec1-087ec884fe40\">N\u00fallpunktsgreining Excel<\/a><\/div>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-433b8364-155b-4e24-a878-e282559bd75b\" href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/grunnlikan-uppfaer-19122016.xls\">grunnlikan-uppfaer-19122016<\/a><a href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/grunnlikan-uppfaer-19122016.xls\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-433b8364-155b-4e24-a878-e282559bd75b\">Reiknil\u00edkan Excel<\/a><\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fjarfestar\">Fj\u00e1rfestar<\/h2>\n\n\n<style><\/style><style><\/style>\n<hr class=\"wp-block-separator has-text-color has-palette-color-1-color has-alpha-channel-opacity has-palette-color-1-background-color has-background is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Fj\u00e1rfestar vilja gjarnan sj\u00e1 \u00e1\u00e6tlanir um \u00fea\u00f0 hvernig \u00feeirri fj\u00e1rfestingu ver\u00f0ur vari\u00f0, \u00e1\u00f0ur en \u00feeir fj\u00e1rfesta \u00ed ar\u00f0semidrifnum fyrirt\u00e6kjum. \u00cd hva\u00f0 ver\u00f0ur fj\u00e1rmunum vari\u00f0, hvernig a\u00f0ger\u00f0ir munu stu\u00f0la a\u00f0 vexti fyrirt\u00e6kisins, hver er \u00e1\u00e6tlu\u00f0 ar\u00f0semi af fj\u00e1rfestingunni og hver er \u00fatg\u00f6ngulei\u00f0 fj\u00e1rfesta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c1\u00f0ur en \u00fe\u00fa og hugsanlegir fj\u00e1rfestar taka fj\u00e1rhagslega \u00e1h\u00e6ttu, er mikilv\u00e6gt a\u00f0&nbsp;\u00fe\u00fa getir s\u00fdnt fram \u00e1&nbsp;\u00e1\u00e6tlanir \u00fe\u00ednar og a\u00f0 \u00fe\u00e6r s\u00e9u vel \u00edgrunda\u00f0ar, auk \u00feess a\u00f0 \u00fe\u00fa getir brug\u00f0ist vi\u00f0 \u00feeim vanda sem kann a\u00f0 koma upp. Vel unnin&nbsp;vi\u00f0skipta\u00e1\u00e6tlun&nbsp;svarar flestum \u00feessum spurningum og skapar traust fj\u00e1rfesta \u00ed \u00feinn gar\u00f0.&nbsp;Einnig \u00feurfa a\u00f0 fylgja \u00e1\u00e6tlanir um hver hlutur fj\u00e1rfesta ver\u00f0ur \u00ed fyrirt\u00e6kinu fyrir tiltekna fj\u00e1rfestingu.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-8049a8b\" id=\"gspb_accordion-id-gsbp-8049a8b\" >\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-5b432b4 gsclose\" id=\"gspb_accordionitem-gsbp-5b432b4\" itemscope><div id=\"gs-trigger-gsbp-8049a8b-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-5b432b4\"><div class=\"gs-accordion-item__heading\">Englafj\u00e1rfestar<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-8049a8b-0\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-5b432b4\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Englafj\u00e1rfestar eru fj\u00e1rsterkir einstaklingar sem vilja fj\u00e1rfesta \u00ed n\u00fdjum verkefnum. Algengt er a\u00f0 verkefnin s\u00e9u \u00e1 svi\u00f0i sem fj\u00e1rfestinn hefur mikla tr\u00fa, \u00e1huga og t\u00f6luver\u00f0a \u00feekkingu \u00e1. Englaf\u00e1rfestar koma oft a\u00f0 verkefnum snemma \u00ed \u00fer\u00f3unarferlinu og a\u00f0sto\u00f0a frumkv\u00f6\u00f0ul vi\u00f0 a\u00f0 vinna a\u00f0 verkefninu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deegar englafj\u00e1rfestir kemur inn \u00ed fyrirt\u00e6ki\u00f0 er gott a\u00f0 hafa \u00ed huga hvort fj\u00e1rfestingin komi me\u00f0 eitthva\u00f0 meira en fj\u00e1rmagn inn \u00ed reksturinn. Horfa \u00fearf til \u00feess hvort a\u00f0 englafj\u00e1rfestinn hafi \u00feekkingu e\u00f0a vi\u00f0skiptatengingar sem muni gagnast fyrirt\u00e6kinu. Fj\u00e1rmagn eitt og s\u00e9r er yfirleitt ekki \u00fea\u00f0 ver\u00f0m\u00e6tasta sem englafj\u00e1rfestir kemur me\u00f0 inn \u00ed fyrirt\u00e6ki\u00f0. Englafj\u00e1rfestar fj\u00e1rfesta \u00ed f\u00f3lki sem \u00feeir hafa tr\u00fa \u00e1 og horfa til \u00feess hversu tr\u00faver\u00f0ugt teymi\u00f0 \u00e1 bak vi\u00f0 vi\u00f0skiptahugmyndina er.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yfirleitt n\u00e1lgast frumkv\u00f6\u00f0lar ekki englafj\u00e1rfesta eftir hef\u00f0bundnum lei\u00f0um, l\u00edkt og gert er me\u00f0 styrktarsj\u00f3\u00f0i, bankal\u00e1n og \u00ed fj\u00e1rfestingasj\u00f3\u00f0um. Oft er englafj\u00e1rfestirinn einhver sem frumkv\u00f6\u00f0ullinn \u00feekkir e\u00f0a er komi\u00f0 \u00ed samband vi\u00f0 hann \u00ed gegnum pers\u00f3nulegt tenglanet. Sko\u00f0a\u00f0u tengslanet \u00feitt vel og athuga\u00f0ur hvort a\u00f0 \u00fea\u00f0 g\u00e6ti leynst englafj\u00e1rfestir innan \u00feess. Margir kynnast fj\u00e1rfestum \u00e1 vi\u00f0bur\u00f0um sem tengjast \u00e1 einhvern h\u00e1tt verkefnunum sem unni\u00f0 er a\u00f0, til d\u00e6mis \u00e1rsfundum, frumkv\u00f6\u00f0lavi\u00f0bur\u00f0um o.s.frv. \u00de\u00e1 er mikilv\u00e6gt a\u00f0 vera b\u00fainn a\u00f0 \u00e6fa<a href=\"http:\/\/nmi.is\/media\/352426\/oerkynning.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;\u00f6rkynninguna<\/a>&nbsp;og vera vel undirb\u00fainn ef \u00fe\u00fa hittir fj\u00e1rfesta sem g\u00e6ti hugsanlega fj\u00e1rfest \u00ed \u00fe\u00ednu verkefni.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-2caef65 gsclose\" id=\"gspb_accordionitem-gsbp-2caef65\" itemscope><div id=\"gs-trigger-gsbp-8049a8b-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-2caef65\"><div class=\"gs-accordion-item__heading\">Fj\u00e1rfestingasj\u00f3\u00f0ir<\/div><span class=\"iconfortoggle\"><span class=\"gs-iconbefore\"><\/span><span class=\"gs-iconafter\"><\/span><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-8049a8b-1\" class=\"gs-accordion-item__content\" itemscope id=\"gspb-accordion-item-content-gsbp-2caef65\" ><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Fj\u00e1rfestingasj\u00f3\u00f0ir vilja yfirleitt fj\u00e1rfesta t\u00f6luver\u00f0um fj\u00e1rh\u00e6\u00f0um \u00ed hverju sprotafyrirt\u00e6ki og eignast&nbsp;t\u00f6luver\u00f0an hlut \u00ed hverju fyrirt\u00e6ki. Sj\u00f3\u00f0irnir horfa yfirleitt til \u00feess hversu l\u00edklegur reksturinn er a\u00f0 ver\u00f0a ar\u00f0b\u00e6r og fj\u00e1rfesta a\u00f0eins \u00ed fyrirt\u00e6kjum sem hafa s\u00fdnt fram \u00e1 rekstrarm\u00f6guleika og jafnvel \u00feau sem hafa \u00feegar fengi\u00f0 minni fj\u00e1rfestingar og\/e\u00f0a styrki.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e9r fyrir ne\u00f0an er listi yfir fj\u00e1rfestingasj\u00f3\u00f0i. Athugi\u00f0 a\u00f0 \u00feessi listi er ekki t\u00e6mandi en getur gefi\u00f0 v\u00edsbendingar um hvar h\u00e6gt er a\u00f0 leita fj\u00e1rm\u00f6gnunar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.nsa.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">Innovation Fund for the Business Sector<\/a>&nbsp;er \u00e1h\u00e6ttufj\u00e1rfestir sem fj\u00e1rfestir \u00ed n\u00fdsk\u00f6punar- og sprotafyrirt\u00e6kjum \u00fear sem v\u00e6nta m\u00e1 mikils vir\u00f0isauka og ar\u00f0semi af starfseminni og g\u00f3\u00f0rar \u00e1v\u00f6xtunar. N\u00fdsk\u00f6punarsj\u00f3\u00f0ur atvinnul\u00edfsins leggur \u00e1herslu \u00e1 a\u00f0 vinna me\u00f0 \u00f6\u00f0rum innlendum og erlendum fj\u00e1rfestum og tekur \u00fe\u00e1tt \u00ed sj\u00f3\u00f0asj\u00f3\u00f0um til eflingar \u00e1 \u00e1h\u00e6ttufj\u00e1rfestingum \u00ed v\u00e6nlegum n\u00fdsk\u00f6punar- og sprotafyrirt\u00e6kjum innanlands og utan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/eyrir.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">Eyrir invest&nbsp;\/ Eyrir sprotar<\/a>&nbsp;er al\u00fej\u00f3\u00f0legt fj\u00e1rfestingarfyrirt\u00e6kis sem fj\u00e1rfestir \u00ed efnilegum i\u00f0nfyrirt\u00e6kjum sem stefna \u00e1 a\u00f0 vera lei\u00f0andi \u00e1 al\u00fej\u00f3\u00f0amarka\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/frumtak.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">F<\/a><a href=\"http:\/\/frumtak.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">rumtak II<\/a>&nbsp;h\u00f3f starfsemi \u00ed febr\u00faar 2015. Sj\u00f3\u00f0urinn hefur a\u00f0 markmi\u00f0i a\u00f0 fj\u00e1rfesta \u00ed sprota- og n\u00fdsk\u00f6punarfyrirt\u00e6kjum sem komin eru af klakstigi og eru v\u00e6nleg til vaxtar og \u00fatr\u00e1sar. Frumtak II fj\u00e1rfestir \u00e1 \u00cdslandi en er heimilt a\u00f0 fj\u00e1rfesta erlendis a\u00f0 \u00fev\u00ed marki sem l\u00f6g leyfa og nau\u00f0synlegt er vegna \u00fatr\u00e1sar e\u00f0a marka\u00f0ss\u00f3knar fyrirt\u00e6kja \u00ed eigu Frumtaks II \u00e1 erlenda marka\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.saframtak.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">SA Framtak&nbsp;\/ Brunnur vaxtasj\u00f3\u00f0ur<\/a>&nbsp;er fj\u00e1rfestingasj\u00f3\u00f0ur sem veitir n\u00fdsk\u00f6punarfyrirt\u00e6kjum a\u00f0sto\u00f0 vi\u00f0 fj\u00e1rm\u00f6gnun. Sj\u00f3\u00f0urinn fj\u00e1rfestir \u00ed \u00edslenskum n\u00fdsk\u00f6punar- og vaxtafyrirt\u00e6kjum sem selja e\u00f0a stefna \u00e1 a\u00f0 selja v\u00f6rur e\u00f0a \u00fej\u00f3nustu \u00e1 erlenda marka\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.thuleinvestments.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">Thule investment<\/a>&nbsp;annast rekstur og ums\u00fdslu fagfj\u00e1rfestasj\u00f3\u00f0anna Br\u00fa Venture Capital og Br\u00fa II Venture Capital Fund S.C.A. SICAR. Fj\u00e1rfest er \u00ed fyrirt\u00e6kjum sem hafa \u00fer\u00f3a\u00f0 v\u00f6ru e\u00f0a \u00fej\u00f3nustu sem er tilb\u00fain til marka\u00f0setningar og hafa m\u00f6guleika \u00e1 a\u00f0 n\u00fdta fj\u00e1rmuni til \u00feess a\u00f0 vaxa hratt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/virdingsjodir.is\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vir\u00f0ing<\/a>&nbsp;er sj\u00e1lfst\u00e6tt starfandi fj\u00e1rm\u00e1lafyrirt\u00e6ki. Tilgangur \u00feess er rekstur innlendra og erlendra ver\u00f0br\u00e9fasj\u00f3\u00f0a, fj\u00e1rfestingarsj\u00f3\u00f0a og fagfj\u00e1rfestasj\u00f3\u00f0a.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Er rekstar\u00e1\u00e6tlunin kl\u00e1r?<\/p>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-450002b9-0a53-4c80-8bb0-16686c3626cc\" href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/reiknilikan-nmi.xlsx\">reiknilikan-nmi<\/a><a href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/reiknilikan-nmi.xlsx\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-450002b9-0a53-4c80-8bb0-16686c3626cc\">Reiknil\u00edkan Excel<\/a><\/div>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-3be72ca3-9c01-4a8a-b86a-4e14def36eee\" href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/nullpunktsgreining.xlsx\">nullpunktsgreining<\/a><a href=\"https:\/\/heklan.is\/wp-content\/uploads\/2025\/09\/nullpunktsgreining.xlsx\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-3be72ca3-9c01-4a8a-b86a-4e14def36eee\">Reikna \u00fat n\u00fallpunkt Excel<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hopfjarmognun\">H\u00f3pfj\u00e1rm\u00f6gnun<\/h2>\n\n\n<style><\/style><style><\/style>\n<hr class=\"wp-block-separator has-text-color has-palette-color-1-color has-alpha-channel-opacity has-palette-color-1-background-color has-background is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00f3pfj\u00e1rm\u00f6gnun ver\u00f0ur s\u00edfellt algengari a\u00f0fer\u00f0 til fj\u00e1rm\u00f6gnunar sprotafyrirt\u00e6kja og v\u00ed\u00f0a um heim eru margir h\u00f3pfj\u00e1rm\u00f6gnunara\u00f0ilar. \u00deeir \u00feekktustu eru l\u00edklega Kickstarter, GoFundMe og Indiegogo. \u00cdslenska fj\u00e1rm\u00f6gnunars\u00ed\u00f0an Karolinafund hefur einnig noti\u00f0 gr\u00ed\u00f0arlegra vins\u00e6lda h\u00e9r \u00e1 landi og er \u00ed samstarfi vi\u00f0 a\u00f0rar norr\u00e6nar fj\u00e1rm\u00f6gnunars\u00ed\u00f0ur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00f3pfj\u00e1rm\u00f6gnun virkar \u00feannig a\u00f0 verkefni\u00f0 er sett upp \u00e1 vefinn og \u00e1kve\u00f0i\u00f0 fj\u00e1rm\u00f6gnunar- og t\u00edmamarkmi\u00f0 sett. Fyrir \u00e1kve\u00f0i\u00f0 fj\u00e1rmagn getur neytandi til d\u00e6mis keypt v\u00f6ru \u00e1\u00f0ur en h\u00fan hefur veri\u00f0 framleidd, fengi\u00f0 einhverja \u00e1kve\u00f0na gj\u00f6f \u00ed sta\u00f0inn e\u00f0a jafnvel fengi\u00f0 hlut \u00ed fyrirt\u00e6kinu, allt eftir \u00fev\u00ed hvernig verkefni\u00f0 er sett upp.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deessi fj\u00e1rm\u00f6gnunarlei\u00f0 hefur reynst vel fyrir verkefni sem af einhverjum \u00e1st\u00e6\u00f0um \u00feykja ekki s\u00e9rstaklega fj\u00e1rfestingarv\u00e6n, en eru engu a\u00f0 s\u00ed\u00f0ur me\u00f0 sni\u00f0ugar lausnir e\u00f0a v\u00f6rur sem neytendur vilja sj\u00e1 \u00e1 marka\u00f0i. H\u00f3pfj\u00e1rm\u00f6gnun getur&nbsp;gegnt hlutverki \u201eproof of concept\u201c fyrir frekari fj\u00e1rfestingar. Ef frumkv\u00f6\u00f0ull getur s\u00fdnt fram \u00e1 a\u00f0 \u00e1kve\u00f0inn fj\u00f6ldi er tilb\u00fainn a\u00f0 kaupa v\u00f6runa gefur \u00fea\u00f0 \u00e1kve\u00f0na v\u00edsbendingu um framt\u00ed\u00f0arm\u00f6guleika hennar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00f3pfj\u00e1rm\u00f6gnun getur vissulega veri\u00f0 g\u00f3\u00f0 lei\u00f0 \u00ed marka\u00f0ssetningu, en eing\u00f6ngu mi\u00f0a\u00f0 a\u00f0 markh\u00f3pi v\u00f6runar. Verkefni\u00f0 ver\u00f0ur a\u00f0 vera undirb\u00fai\u00f0 me\u00f0 \u00fea\u00f0 a\u00f0 markmi\u00f0i a\u00f0 n\u00e1 til \u00feess markh\u00f3ps sem varan er mi\u00f0u\u00f0 a\u00f0, en ekki til \u00feess a\u00f0 n\u00e1 \u00ed n\u00fdjan. \u00dea\u00f0 \u00fearf a\u00f0 skilja markh\u00f3pinn vel, b\u00faa til \u00e1hugaver\u00f0 tilbo\u00f0 \/ vi\u00f0skiptat\u00e6kif\u00e6ri fyrir hann og s\u00fdna fram \u00e1 a\u00f0 verkefni\u00f0 s\u00e9 spennandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00f3\u00f0ur undirb\u00faningur felur til d\u00e6mis \u00ed s\u00e9r a\u00f0 finna r\u00e9ttu h\u00f3pfj\u00e1rm\u00f6gnunars\u00ed\u00f0una&nbsp;en \u00fea\u00f0 eru mismunandi \u00e1herslur milli \u00feeirra. \u00c1kve\u00f0a \u00fearf&nbsp;hva\u00f0 er \u00ed bo\u00f0i fyrir \u00feann sem styrkir verkefni\u00f0 og hvernig er h\u00e6gt a\u00f0 f\u00e1 sem mest \u00fat \u00far veittum stu\u00f0ningi. Reynst hefur vel&nbsp;a\u00f0 undirb\u00faa gott myndband og n\u00fdta a\u00f0ra mi\u00f0la til a\u00f0 koma h\u00f3pfj\u00e1rm\u00f6gnunarverkefninu \u00e1 framf\u00e6ri til markh\u00f3psins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hentar h\u00f3pfj\u00e1rm\u00f6gnun \u00fe\u00ednu verkefni?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.karolinafund.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Karolina Fund<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.indiegogo.com\/#\/picks_for_you\" target=\"_blank\" rel=\"noreferrer noopener\">Indiegogo<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.kickstarter.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kickstartrer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.patreon.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Patreon &#8211; fyrir listamenn<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"featured_media":1603,"template":"","meta":{"_acf_changed":false,"_gspb_post_css":"#gspb_accordion-id-gsbp-b18fe70 .gs-accordion-item.gsclose>.gs-accordion-item__content{overflow:hidden;opacity:0}#gspb_accordion-id-gsbp-b18fe70 .gs-accordion-item.gsopen>.gs-accordion-item__content{opacity:1;max-height:5000px}#gspb_accordion-id-gsbp-b18fe70 .gs-accordion-item>.gs-accordion-item__title>.gs-accordion-item__heading{outline:0;text-decoration:none;margin:0!important;padding:0!important;flex-grow:1}#gspb_accordion-id-gsbp-b18fe70 .gs-accordion-item>.gs-accordion-item__title{z-index:1;margin:0;cursor:pointer;transition:all .3s ease-in-out;position:relative;display:flex;justify-content:space-between;align-items:center;flex-wrap:nowrap}#gspb_accordion-id-gsbp-b18fe70 .gs-accordion-item>.gs-accordion-item__content{z-index:0;position:relative;max-height:0;will-change:max-height;transition:all .25s ease-out}#gspb_accordion-id-gsbp-b18fe70 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