Inyathelo lokuqala: Ukuqokelela nokuhlaziya iiRekhodi zezoRhwebo
Ukuba unomsebenzi okhoyo, umboleki-mboleko uza kujonga iirekhodi zamashishini akhoyo ngokukhawuleza ukuze uncede uphendule imibuzo malunga nendlela oqhuba ngayo ishishini lakho.
Faka ulwazi kwi:
- I-Credit Credit, iingxelo zeentengo zemboleko zorhwebo, ulwazi lwe-Dun & Bradstreet, okanye enye inkcazelo ebonisa isimo sekhredithi yakho yeshishini.
- Ukubuyiselwa kweRhafu: Iimbuyekezo zerhafu zaseburhulumenteni zeshishini lakho kule minyaka emithathu edlulileyo. Ukuba awunayo imbuyiselo yeminyaka emithathu, kunika uninzi olunakho.
- IiNgxelo eziNzuzo kunye nokulahlekelwa kunye namaSpredishithi , ukubuyela emva ubuncinane kwiminyaka emithathu, okanye kwiminyaka emininzi njengoko unayo
- Iingxowa zamanje : Uluhlu lwamatyala oshishino kunye nembali yakho yokuhlawula kula matyala.
- Iimpahla zezo shishino: Uhlu lwezinto zakho zezoshishino kunye nexabiso langoku lixabiso lemarike
Ukuba ulungiselela i-mboleko yokuqalisa, amaninzi kwezi rekhodi kunye neengxelo ziya kuba yiyona projekthi (projekthi).
Inyathelo lesibini: Lungiselela iSicwangciso soShishino
Akukho mboleko yokuzihlonipha ibhankini inokulindela ukuphumelela ngaphandle kohlobo oluthile lwesicwangciso soshishino. Ufuna isicwangciso soshishino, kungekhona nje ukuba phantse wonke umboleki ufuna ukukubona, kodwa kuba kukunceda uceba kunye nezinye izizathu.
Hayi, akudingeki ukuba ube nesicwangciso esipheleleyo sephepha le-20+, ufuna amanye amaxwebhu abhaliweyo aphendule imibuzo emithathu ebalulekileyo:
- Ufuna kangakanani?
- Yintoni oyayichitha kuyo?
- Uya kulibuyisela njani kwakhona?
Ukuba ungayiphendula le mibuzo ngokucacileyo nangokucacileyo kumaphepha amane, yiya kuyo. Qiniseka ukuba unento ethile phambi kokuba uhambe kuloo mboleki wokuqala.
Inyathelo lesithathu: Lungiselela iMibandela malunga neNgxowa-mali, iNkcitho, iNkunzi
Ngalo lonke ulwazi, ucinga ukuba ulungele. Akunjalo. Ngaphambi kokuba uhlale phantsi nombolekisi, qiniseka ukuba unokunika iimpendulo zemibuzo malunga nale miqathango emithathu ebalulekileyo kwimali-mboleko yoshishino:
- Inkokhelo: Ikhredithi yakho kunye nekhredithi yakho yoshishino (ukuba usebenze ibhizinisi lakho ngexesha elide)
- Ukubambisana : Iimali zemali ongazisebenzisela ukuhlawula imali, mhlawumbi kwiimali zakho okanye kwi shishini lakho
- Inkunzi : Iimpahla zoshishino onokuzibambisa ukufumana umboleko.
Ukuba awunayo i-collateral eyaneleyo okanye i-capital to meet the requirements of the lender, cinga ukufumana umnxibelelwano ongabanikezela ezi ngxowankulu zemali.
Inyathelo lesine: Qinisekisa ukuba unakho konke onokucelwa ukuba wenze isicelo somboleko
Xa uqala ukuthetha nebhankini kwaye ufumana impendulo efanelekileyo, ngezinye iinkcukacha uza kucelwa ukuba uzalise isicelo sokuboleka imali. Ngokuqinisekileyo, unayo yonke le ngcaciso kwindawo ethile, kodwa ukukwazi ukuhlala phantsi kwaye uzalise le sicelo kuyinzuzo enkulu enhle. Ukusebenzisa Ifom ye-4 ye-SBA: Isicelo seMali-mboleko yeShishini njengesikhokelo, khangela ukuba uyazi iimpendulo kuwo wonke umbuzo onokubuzwa.
Inyathelo lesithandathu: Faka iNkcukacha zakho zobuqu
Nangona ishishini lakho liyi-corporation kwaye ufake isicelo semali mboleko ngaphambi kokuba, ulwazi lwakho lwezemali luya kuba yintetho yengxoxo kunye nomboleki wakho kwaye unokufuneka ukuba unikeze isiqinisekiso sakho .
Ngoko esinye isinyathelo sokucwangcisa imboleko encinci yezoshishino kukufumana iirekhodi zakho zezemali ngokwalo , ngoko unokuzibonisa kunye nemboleko yakho.
Uya kuyimfuneko:
- Ingxelo yemboleko ebonisa umlinganiselo wakho weFICO
- Isitatimende sezimali somntu siqu esibonisa iimpahla zakho kunye namatyala kunye nexabiso elifanelekileyo elifanelekileyo.
- Uhlahlo lwabiwo-mali, kubonisa indlela oza kuyidinga ngayo ukususela kwi shishini lakho ukuze uhlawule iindleko zokuhlala.
Ekugqibeleni, Beka yonke into ndawonye kwi-Business Your Proposition
Unokufuna ukubeka isiluleko sakho kwi-binder okanye kwi-CD, ngoko ke umnini-mboleko wakho unokubona yonke into ngokujonga. Ekugqibeleni, ungakulibali ukuquka isishwankathelo esiphezulu , esidibanisa yonke into kunye.
Ukuchonga Imithombo Yemali
Njengoko ulungiselela iirekhodi zakho zoshishino kunye nesicwangciso soshishino, kufuneka ufune iibhanki kunye nabanye ababolekisi njengemithombo yemboleko.
I-Credit iyinto elula njengoko i-recesity reedes, kodwa ungadinga ukwenza ujikelezo lwabathengi, kuquka amabhanki kunye neemanyano zemboleko. Hlola kunye ne-Small Business Administration (SBA) ukuze ubone ukuba ufanelekile naziphi na iinkqubo zabo zokuqinisekisa ngemboleko.