Khusela inkxaso-mali oyifunayo ukuze uqalise umsebenzi wakho wezoshishino
Ibhizinisi lokurhweba libandakanya ulwalamano lwezoshishino olubandakanya ilayisenisi. Kwinkampani emfutshane eyaziwa ngokuba ngu-franchiseor uthengisa ilungelo lokusebenzisa igama loshishino, umkhwa kunye nemveliso kwelinye iqela elibizwa ngokuba yi-franchisee.
Isivumelwane sokuthengiswa kwemali ngokuqhelekileyo siphelelwe ixesha elide kodwa isivumelwano singahlaziywa ngezikhathi ezithile. Ukuthenga i-franchise kubandakanya ukuhlawula iintlobo ezahlukahlukeneyo zemirhumo equka intlawulo yemali-mboleko kunye neerhafu kunye neentlawulo zentengiso.
Nangona ukufumana ishishini elikhulu lokurhweba ngumsebenzi onzima, ukufumana inkxaso-mali ye-franchising kuboniswe nzima. Ukuthenga i-franchise ye-shishini kufuna ukutyalo-mali okungenakufikeleleka, kungenjalo, wonke umntu unokufumana i-franchise.
Ukuba ukhangele phambili ekungeneni kwishishini lokuthengiselana kwaye ufumene ishishini elungileyo lokuthengisa iindleko zokufumana akufanele ukhathazeke kakhulu. Kukho iindlela ezahlukeneyo onokuzisebenzisa ukufumana iimali ozidingayo ukuze uqalise ishishini lakho lokuthengiselana.
Kuphi ukufumana inkxaso-mali yoRhwebo lweFranchise
Njengawo nawuphi na elinye ishishini, ukufumana imali nge-franchise entsha inokuba yintloko. Nangona kunjalo, kukho iindlela ezikhethiweyo ezijoliswe ngokukodwa ekuxhaseni iimashishini zokuthengisa.
I-Franchisor
Kukho ama-franchisor anceda ama-franchisees amasha ukuba aqalise ishishini lawo ngokukhupha i-franchising fee.
Abaqhubi be-franchise nabo banokubambisana nabanye ababolekayo njengeebhanki zorhwebo ukuze bancede ama-franchisees amasha aphakanyiswe imali ngokuqalisa ishishini labo.
Ukuba inkampani iyavuma ukuxhaswa kwishishini elitsha lokuthengisa imali, lidla ngokubonakala kwiwebhusayithi yalo esemthethweni kunye nesahluko seshumi kwisivumelwano (uxwebhu lokubhengeza uFranchise).
Nangona kunjalo, kucetyiswa kakhulu ukuba uqhathanise ama-franchisors ngokwemali yokuxhasa ngemali kunye neminye imithombo yokuxhasa ngemali.
Inkampani yeFranchise Financing
Kukho iinkampani ezininzi ezijolise ngokukodwa kwiimali-mali ezintsha. Ezi nkampani zivame ukulingana nababolekisi nabathengi abagqibeleleyo ngeemfuno zabo zemali. Iinkampani zenkxaso-mali yokuthengiswa kwemali ziyakwazi ukuboleka ngqo kumashishini amatsha.
Iingxowa-mboleko zemveli zesiQhelo
Oku kubandakanya ukuboleka kwiibhanki eziqhelekileyo zorhwebo okanye imibutho yamatyala. Ngokwe-SBA okanye kwi-Small Business Administration, abatsha abanini-mali banamathuba athile okuboleka kwiibhanki zorhwebo kunabanini abashishini. Ababoleki banqwenela ukuqhubela imali kwimali-mveliso emitsha ngaphandle kwamashishini amatsha kuba sele bebe nethemba kwi-brand kunye ne-business model ye-shishini.
Nangona kunjalo, nangona ukutyeba kweebhanki zorhwebo kukunika ibhankithi ye-franchise usengaphansi kweebhanki ezibhalwe phantsi kunye nemigaqo-nkqubo yokubolekisa. Ibhanki kufuneka ihlaziye imbali yakho yentengo kunye netyala lekhredithi ukuqinisekisa ukuba uya kuhlawula umboleko oqhubekileyo kwi shishini lakho . Enyanisweni, unokwenzela ukuba unikezele ngokubambisa imali ephakanyisiwe kuwe.
Inkqubo yokuThengiswa kweShishini elincinci (SBA)
I-SBA ineemboleko zamashishini amatsha ngendlela efanayo kunye neemanyano zemboleko, iibhanki zorhwebo kunye nabanye ababolekisi. Uhlobo oluqhelekileyo lwemboleko eqhubekele kumashishini amatsha yi-7 (a) mboleko. Amashishini amatsha kunye nee-franchise banokufikelela kwiimali-mboleko ze-SBA ngokusebenzisa ababolekisi babo.
Izindlela Abanikazi Bashishini Bangakwazi Ukuzilungiselela Ukufaneleka Kwemali
Njengomnini omtsha webhishini onenjongo yokubandakanya ishishini lokurhweba, kufuneka ufike isicwangciso esiza kukuvumela ukuba ufikelele kwi-financing for franchising. Nazi izicwangciso ezimbalwa ezinokukunceda ukuba ufanele ukuboleka imali.
Qinisekisa ukuba iCommatal Required
Hlola izinto oziphetheyo uze ubone ukuba yiyiphi into ozimisele ukuyibeka njengobuncwane. Amashishini anempahla eyaneleyo yokugubungela i-100% yokubambisa ngenani eliphambili angakwazi ukufikelela kwimali-mboleko lula kunabo ababolekayo abangenayo i-collateral eyaneleyo.
Ukukhuselwa kwemali kungenziwa kwifom yezinto zokusebenza, amasheya, ukulingana kwasekhaya, ukuthengwa kwemali, ukugcinwa kwemali okanye ukugcinwa kwepropati okanye nayiphina into enzima. Nangona kunjalo, kulungile ukuba uqaphele ukuba xa uthe wafaka isibambiso ukuba ibhanki yakho ihluleka ukuba ibhanki inelungelo lokuthabatha indawo yokubambisa ukuze ibuyise inani eliphambili.
Hlola ukuba i-Bhizinisi ofuna ukuyiFranchise i-SBA ivunyelwe
Ukuba unenjongo yokungena kwi-shishini ye-franchise ukhethe lowo obhalisiwe kwaye avunywe yi-SBA, khangela ukuba ishishini ofuna ukuyifumana i-SBA livunyiwe. Emva kokuba i-franchise ibhaliswe yi-SBA isivumelwano semali-mboleko sivandlakanywa kwaye sivunyiwe ukuba sisebenzise nazo zonke i-franchisees.
Oku kunceda ekuphuculeni inkqubo yokuboleka imali ngoko ke kulula ukwenza inkqubo yokufaka isicelo semboleko . Ngokuqhelekileyo, izicelo zokuboleka imali ezivela kwii-franchise ezisele kwi-Registration ye-SBA zivame ukucubungula ngokukhawuleza kunezinye izicelo zemali-mboleko ukususela nge-SBA sele sele inolwazi olufunekayo lokuqhuba uvavanyo.
Khetha ukuBholeka xa uhlala kwiB2B
I shishini kwiinkampani zoshishino zihlala zifikelela kwi-financing kalula kuneenkampani ezijongene nabathengi ngqo. Oku kudla ngokuba kunjalo ngenxa yokuba ungasebenzisa ii-invoyisi zabaxhasi bakho ukuze ufumane inkxaso-mali evela kubaboleki. Inkqubo yokufumana ukunyuka kwemali usebenzisa i-invoyisi zabaxhasi bakho ibizwa ngokuba yi-factoring. Umba uthatha indima yokuqokelela imali epheleleyo ehlawulwa kuwe kwaye unciphisa inani eliphambili kuwe kunye nayiphina imrhumo ke ihlawule imali.
Fumana uMboleki ukuhlawula abathengi bakho
Oku kuquka ukucela ababolekisi bakho ukuba bakhokhele ababoneleli bakho kuqala. Oku kuyiluncedo kuba umthengisi ngoku unokuthumela imveliso kwi shishini lakho. Le nkqubo iyaziwa njengemali yokuthenga i-order.
I-Franchise kwi-Bhishini ine-Idumela elihle
Ukuba uthengisa kwi shishini elihloniphekileyo kakhulu unokufumana imali elula kakhulu. Ababolekisi abaninzi banokukhetha uluhlu lwamashishini ekuthengiselana nabo abaye basebenzisana nabo ngaphambili kwaye abanakho ucelomngeni wokuhlawula imali ephakamileyo. Unokucela nokuba i-franchisor yakho ikunikezele kubalimi abanokuthi bamkele isicelo sakho sembolekiso.
I-Franchise esuka kwi-Franchisor ejongene nokuboleka
Kukho abanama-franchisors abanceda ama-franchisees abo ukuba bafikelele kwimali-mboleko . Oku kuya kwenziwa ngeendlela ezimbini. I-franchisor inokuthi inakho isebe elikhokela i-franchisees kwinkqubo yesicelo semboleko okanye inokubambisana nabathengi bemali-mboleko abaya kunceda abo bafumana imali ngemali mboleko ngokulula.
I-Franchise kwiiNkampani eziQinisekisa iimali zokufumana iiRranchisees
Kukho ama-franchisor anceda ama-franchisees ngexesha lokufaka isicelo semboleko kunye nenkqubo yemfundo ngokusebenzisa inkqubo yesiqinisekiso. Oku kuthetha ukuba bayavuma ukuhlawula inani elithile leemboleko eziqhubekileyo xa ngaba i-franchisee ayikwazi ukuhlawulwa kwemboleko. Inkqubo yokuqinisekisa inceda ama-franchisees afanelekileyo kwi-mboleko encinci ukufumana iimali-mboleko ezinkulu.