Indlela Ulawulo Lwabizo Lwamancinci Olwenza Amashishini Amancinci
Imisebenzi emininzi ye-SBA iyafumaneka kuwo onke amashishini, kodwa iimboleko kunye nezinye iinkqubo ziyafumaneka kuphela kumashishini amancinci. I-SBA ibona imilinganiselo yobukhulu bemveliso kunye nezinye iinjongo kwiinkcazo zayo zoshishini elincinci.
Nazi iindlela ezi-7 ezisebenzayo ze-SBA ezingakunceda:
1. Uncedo lweeNgxowa-mboleko zoshishino - njani i-SBA isebenze nababoleki
Ngaphambi kokuba sithethe ngeenkqubo zeemali-mboleko ze-SBA, ndifuna ukulungisa iingcamango malunga nendlela uSBA isebenza ngayo. I-SBA ayiboleki imali, kwaye akudingeki ukuba uguqulwe ngamabhanki amabini ukufumana inkxaso ye-SBA ngemboleko yemicimbi yebhizinisi. I-SBA inikeza iziqinisekiso zemboleko kumbolekisi, ukukunceda ukuba ufanele ukuboleka imali. Ngaloo ndlela, lisebenza njengombhaliselwano.
Unokuya kunoma yiphi na umboleki kwaye ubuze ukuba basebenzisana ne-SBA. Okanye unokufumana uncedo lwe-SBA ukudibanisa nababolekisi. (jonga ngezantsi.) Ewe, kukho iphepha kunye nexesha elibandakanyekayo lokufumana mboleko nge-SBA yesiqinisekiso semali-mboleko, kodwa ukuba uncedo lwe-SBA lunokwenza umehluko kwiimeko ezininzi phakathi kokufumana loo mboleko okanye cha.
Ungakwazi ukudibanisa nababolekisi be-SBA ngokusebenzisa inkqubo ye-LBA yeLinc. Uya kufuneka ubhalise kwaye uphendule imibuzo embalwa phambi kokuba ababolekisi baqhagamshelane nawe. Ingcinga enkulu ukukhawulezisa inkqubo yokubolekisa!
2. Iinkqubo zemboleko ze-SBA
I-SBA ihlaziya rhoqo kwaye iguqula iinkqubo zayo zemboleko. Nazi ezinye ezimbalwa ezijoliswe ngokubanzi kunye nenjongo eyodwa / injongo eyodwa yezentengiso ezixhaswa yi-SBA onokuzifumana uncedo:
- Isiseko sesi-7 (a) inkqubo yobolekiso isetyenziselwa uncedo ngemali-mboleko yamashishini akhoyo kunye nokuqala. 7 (a) imali-mboleko iguquguqukayo kwaye ingasetyenziselwa iinjongo ezahlukeneyo zezoshishino, kubandakanywa nenkunzi yokusebenza.
- I-504 "Yiya" Inkcitho yepropati kunye nezixhobo kwiindawo zokuphuhlisa. Ukuze ufaneleke, ishishini lakho kufuneka libe kwindawo ethile ekujoliswe kuyo yophuhliso.
- I-SBA inemali-mboleko ekhethekileyo kubantu abahlangabezana neemfuno ezithile, njengemali-mboleko ye-Patriot Express kuma-veterans, ama-microloans ngamanani amancinci ekuncedeni ukuqalisa, iimali-mboleko zithunyelwa ngaphandle, kunye ne-Capline mboleko kwiinjongo zemisebenzi.
Unokufumana iinkcukacha ezongezelelweyo malunga nale mboleko evela kwiphepha le-Rosemary Peavler malunga neNkqubo yeMboleko ye-SBA.
3. Uncedo lweNtlekele
Omnye wemisebenzi ebaluleke kakhulu ye-SBA kukunceda amashishini amancinci athatywe yientlekele. Ulwaphulo lomzimba kunye noononongo lwezoqoqosho luyafumaneka.
Iiofisi ze-SBA zengingqi ziza kufakwa iinkonzo ezizodwa zokuncedisa ukukhawuleza inkqubo yokuboleka imali. Le mboleko, njengeminye yemali-mboleko ye-SBA, iqinisekisa abobolekisi, kungekhona ukubolekwa kwemali mboleko kumashishini.
Olunye uncedo lweentlekele lwe-SBA lubandakanya imali mboleko kubanikazi beshishini abazimeleyo abalahlekelwe yimisebenzi yabo ngenxa yentlekele kunye nesekelo lokuncedisa irhafu ekuncediseni abanikazi bezorhwebo ukuba balungiselele ukubuyiswa kwentela kwonyaka wenhlekelele.
Unokufumana iinkcukacha ezingaphezulu kwiphepha le-SBA leNcediso yeNhlekelele. Kwaye unokuba ufuna ukujonga iingcebiso zabo zokulungiselela ukukhuseleka.
4. Izibonelelo zoPhando noPhuhliso
Inkqubo ye-SBA engaziwayo ibizwa ngokuba ngu-SBIR / STTR grant. I-SBIR imele "uphando olutsha lwe-Business Innovation," kunye ne-STTR imele "Ukutshintshelwa kweTeknoloji yeShishini elincinci." I-SBA idibanisa le nkqubo.
Inkqubo ye-SBIR yinkqubo yokukhuphisana esetyenziselwa ukukhuthaza amashishini ukuba enze uphando olunokuthi "lunakho ukuthengiswa." Le nkqubo igxininisa le mirhafu yophando kumashishini alawulwa "ngabantu abahlelelekileyo kuluntu nakwezoqoqosho." I-SBA idibanisa inkqubo, edibanisa amashishini kunye ne-arhente ye-12 karhulumente enemali ye-SBIR.
Inkqubo ye-STTR idibanisa amashishini anamaziko ophando kumaqabane karhulumente / abucala kumashishini amanyathelo okusebenzisana. Ii-STTR zenzelwe ukuba "zidibanise i-gap phakathi kokusebenza kwezesayensi ezisisiseko kunye nokuthengiswa kwezinto ezibangelwayo." Amaziko karhulumente karhulumente abandakanyekayo.
Fumana indlela yokufaneleka nokufaka isicelo sale nkqubo kule website ye-SBIR / STTR.
5. Uncedo lokuba nguNxibelelwano lukaRhulumente
Amashishini amancinci ahlala ecinga ukuba abanakho ukukhuphisana kwiikontraka zikaRhulumente kuba zincinci, kodwa i-SBA ijolise ukuphakamisa inkundla yokudlala. Amagosa amaninzi karhulumente adinga ukuba iipesenti zentengo yazo zibekwe eceleni kwamashishini amancinci, ngoko unokukwazi ukungena kwezi zivumelwano.
Ukuba unomdla wokuba unkontileka karhulumente, khangela inkcazo ye -SBA kwi-intanethi, "I-Contracting Government 101." Ukufumana inkcazo ecacileyo yenkqubo, funda eli nqaku libala uluhlu lweendlela zokufumana izivumelwano zombuso wabalobi . (Isebenza ngokufanayo kuzo zonke iintlobo zamashishini.)
Amashishini afuna ukuthumela iimveliso angaphinda athole uncedo kwi-Small Business Administration ngokusebenzisa ukwahlula kwalo.
6. Uncedo lweeNdidi ezithile zabanini abashishini abancinci
Ndithe ndathetha ngemali mboleko yePatriot Express kubadala, kodwa i-SBA igxininisa namanye amaqela.
Umzekelo:
- I-Ofisi yamaShishini aBamabhinqa ukubonelela ngoncedo oluthile kwabasetyhini ukuqala nokuqhuba amashishini amancinci
- mboleko ekhethekileyo yamashishini amancinci
- iinkonzo zabasebenzi abakhubazekile nabaswelekileyo
- abemi belizwe lasemzini (bengaphandle)
7. Ukunceda ubuso nobuso, Uqeqesho, kunye neNkcukacha
Unokufumana uncedo ngamnye ngokuqala kokushishina, ukubhala isicwangciso seshishini, ukuthengiswa, kunye neminye imibuzo yezoshishino nge-SCORE (eyayisakuba yi-Service Corps yabaSebenzi abahlala phantsi), iqela leqela le-SBA. Kukho i-SCORE izahluko kulo lonke elase-US, mhlawumbi elinye lisondele kuwe.
Nazi ezinye izixhobo zonxibelelwano lwengingqi kunye nolwazi lwe-intanethi:
- I Isiko loFundo lwe-SBA , kwiikhosi ze-intanethi kwizifundo ezahlukahlukeneyo.
- Amacandelo ePhuhliso loRhwebo lweNcinci , kunye neendawo ezingaphezu kwe-900, zidibanisene neekholeji zengingqi kunye neeyunivesithi. Banikela ngee-seminari zokuqeqesha kunye neeseshoni zokubonisana ngeyodwa.
- Indawo ethi "Izixhobo" inemithombo eninzi ongayisebenzisa ukuze ufunde malunga nantoni na ephathelele kumashishini amancinci.
Le nto! Kwaye andizange ndifake isigxina se-SBA ekuncedeni amashishini amancinci. Ngexesha elizayo xa uva nge-SBA, khumbula ukuba abayiboleki kuphela.
Qala ngeofisi ye-SBA yakho yangaphakathi kwaye ubone ukuba yiziphi iinkonzo kunye namathuba okuqeqesha atholakala kwindawo yakho.