Iimfuneko zeMali-mboleko eMancinci

Ukuqonda ukuba yiyiphi iBhizinisi elithengayo

Amaxesha anzima kwihlabathi lezoshishino. Amabhanki ahlawula imali mboleko yokuqalisa, eyimali-mboleko engaphephekanga kakhulu ebhanki inokuyenza, kunye noLawulo lweZimashishini ezincinci lubonakala lukhawulela inani leemboleko eziza kuqinisekisa ngeenkqubo zayo zemboleko ze-SBA. Kodwa ukuba ulungele, kwaye une "4 C's," unethuba elingcono lokufumana loo mboleko.

Oko Umthengi Ofuna Ukukwazi

Kukho imibuzo emithathu kuphela umboleki ofuna ukwazi:

1. Ufuna Kangakanani?
2. Uya Kukuhlawula Njani?
3. Ndingakukhusela Njani Ukuba Ungeyibuyisela?

Yiyo leyo. Ayikwazanga kube lula. Iqhinga lichaza oko umboleki wakho ofuna ukukubona ukuphendula le mibuzo. Izidingo zeendleko zingabonakaliswa njenge "4 Cs".

I-Cs ye-Business Lending

Ukuba ufuna isicelo sakho sibe nethuba lokuphumelela, kuya kufuneka usebenze kwi-4 Cs. Apha zilapha, ngokubaluleka kokubaluleka:

Umntu

Umntu ubhekisela kwingxelo yemali yomboleki; oko kukuthi, luhlobo luni "ummi wezezimali" lo mntu okanye ishishini? Isiqhelo sisoloko sigqitywa ngokujonga iimbali zemboleko, ngokukodwa njengoko kuchazwe kumanqaku ekwereti (amanqaku e-FICO). Izinto ezichaphazela umlinganiselo wakho wekhredithi ziquka:

• Iintlawulo ezisezantsi
• Iingxelo ezidlulayo
• Inkokhelo ekhoyo
• Ityala elipheleleyo

Ukuthembeka

Ukunyaniseka kwakho kukukwazi ukukhohlisa umthengisi wakho onokuthi uphumelele.

Kukho izinto ezimbini zokuthembeka:

Isicwangciso soShishino esithembekileyo, kuquka iimali ezinkulu, ukubonisa ukuba unako ukubonisa inzuzo, ngoko unokuhlawula imali mboleko (khumbula # 2 ngasentla). Ukulinganiswa kweentengo zemali, ngenxa yokuba mhlawumbi uya kufuneka uqinisekise ukubolekwa kwemali mboleko, kwaye u-bhanki ufuna ukwazi ukuba unerekhodi lomzila wokuzalisekisa uxanduva lwakho lwezimali (khumbula # 2 ngaphezulu, kwakhona).

Yobambiswano

Ukubambisana kuthetha ukuba neengxowa-mali ongazenzayo kwibhanki. Ngamanye amazwi, bafuna "ukuhlawula" ukuze ufumane imboleko "ekhuselekile". Umboleki wakho ufuna ukuba uhlanganyele entlungu ukuba ishishini lakho lisho. Ngoko bafuna ukuba ufake imali yakho yemali okanye iimali zoshishino (njengama-akhawunti agcino) kumgca. Ezinye iibhanki zifuna i-100% phantsi.

Oku akuthethi ukuba bafuna unikezele nge-100% yemali; ukuba unokwenza oko, awuyi kufuna imboleko. Kodwa bafuna uhlobo oluthile lwezinto onokuzibambisa ngazo. Ukuba awunayo ifa, ibhanki inokufuna ukuba ube ne- co-signer ; oko kukuthi, umntu onenkcitho yokubambisa ngemboleko. Uyakwazi ukufumana mboleko mboleko e-SBA, apho i-SBA ingakhonza njengombhaliselwano wakho (uhlobo lwalo), ukwanelisa isidingo sebhanki sokubambisa. Uza kusayina isivumelwano semboleko semali-mboleko .

Inkunzi

Intlawulo ibonakaliswe kwizinto zakho zezoshishino . Yenza uluhlu lwempahla yezoshishino onokuyisebenzisa njengokhuseleko lomboleko. Inkunzi iyona nto inzima kakhulu yokufumana imali mboleko kwishishini elitsha kuba amabashishini amasha akanayo izixhobo kunye namaziko okwamanje; Kungenxa yoko bafuna imboleko, ukuthenga ezi zinto. Ukuba unempahla eyinkunzi ongayinayo kwishishini, inokukunceda ukukhusela umboleko, ingakumbi ukuba ukwandisa okanye ukongeza isambulelo kwishishini elikhoyo.

Ixabiso lexabiso lemali lixabiso lixabiso lemarike elifanelekileyo (okwangoku), kungekhona kwizinto ozithenge zona, kunye nokunciphisa izinga lokunciphisa ixabiso. Ngoko ukuba uthenge itywala yoshishino iminyaka emihlanu edlulileyo i-$ 25,000, ibhanki ayiyi kukunika i-$ 25,000 kuyo, kuba ixabiso layo lemarike elifanelekileyo lingaba lingaphantsi kwama-25,000. Yingakho inkunzi ingabalulekanga kwibhanki kunokuthembela kunye nokubambisa.