As a rule, a substance whose pay surpasses its use can loan or contribute the abundance, expecting to procure a fair return. Correspondingly, a substance where pay is not as much as use can bring capital generally up in one of two different ways: (!) by acquiring as a credit (private people), or by selling government or corporate securities; (ii) by a company selling value, additionally called stock or offers (which might take different structures: favored stock or normal stock). The proprietors of the two securities and stock might be institutional financial backers - monetary foundations, for example, venture banks and annuity reserves - or private people, called private financial backers or retail financial backers