Yazi nawaphi amanyathelo okufuneka uthathe ngaphambi kokuba ufake isicelo somboleko we-SBA kwinkampani yakho
Xa kuziwa ekufumaneni imali mboleko, ulawulo lwe-shishini elincinci lenze kube lula ukuba abafaki-mboleko bafumane iintlobo ezahlukeneyo zemboleko .
Kungenxa yokuba, xa ufaka isicelo somboleko oxhaswe yi-SBA, iibhanki zikulungele ukuqwalasela umboleko ngoba xa kwenzeka ukuba inxalenye ye mboleko ixhaswe yi-SBA.
Kuhle ukuba uqaphele ukuba iimali-mboleko ezixhaswa yi-SBA nazo azilula ukuba zifumaneke. Umfaki-mboleko wesicelo semboleko kufuneka ahlangabezane nazo zonke iimfuno ezingundoqo njengoko kusekwe yi-SBA. Uninzi lwabafaki-mboleko abayaziyo indlela yokuhamba kunye nokuqinisekisa ukuba imali yabo mboleko ivunyiwe yi-SBA. Nangona kunjalo, kukho abo baziyo indlela yokuhamba ngendlela yabo ngokusebenzisa inkqubo ye mboleko ye-SBA. Ukuba awukwazi ukuba uza kuqinisekisa njani ukuba imali yakho mboleko ivunyiwe kwaye iqinisekiswe yi-SBA, zilandelayo izicwangciso eziyisihlanu eziphambili.
1) Uphando malunga namaziko ahlawulwayo
Njengomfaki-sicelo wesicelo-mboleko okanye kunokuba usomashishini ofuna ukuqala ishishini, kukulungile ukwenza uphando olusemgangathweni malunga nababolekisi abafanelekileyo. Kucetyiswa ukuba ukhange ababolekisi abanegama elifanelekileyo kwaye banikele ngemali mboleko e-SBA.
Ngaba uyayazi ukuba kukho amaziko emali angabanikeli ngetyala le-SBA?
Iingcali ezininzi zikwacebisa ukuba u tyelele ababolekisi abahlukeneyo ngaphambi kokukhetha enye efanelekileyo. Unokufuna ukuqwalasela i-LBA ekhethiweyo yeLender njengokuba ingaqwalasela iimali mboleko ze-SBA ngokukhawuleza. Thelekisa uqhathanise amazinga omdla kunye nemimiselo nemimiselo yeenkqubo ezahlukeneyo zemali.
Ukwenza oko kuya kwenza ukuba wenze isigqibo kwaye ukhethe inkqubo kunye namazinga aphantsi omdla kunye nemigangatho engqongqo kunye neemeko. Indlela elula yokwenza oku kukuhambela kwi-website ye-SBA kwaye uhlolisise izibonelelo kunye netyala lokubolekisa kunye nokuthelekisa ababolekisi abahlukeneyo.
2) Lungisa isicelo sakho semboleko
Ukuba unesidingo se-SBA-mboleko, ufuna ukuqinisekisa ukuba isicelo sakho semali mboleko kunye namaxwebhu adibana nazo zonke iimfuno. Ukuqala, kufuneka uqinisekise ukuba uthetha inani lemali oyifunayo nento ozimisele ukuyisebenzisa ngayo imali. Ukuba udinga umboleko wentengo yokusebenza, soloko ucacisa ukuba kwisicelo sakho. Yiba mfutshane kwaye uchaneke ngokuvunyelwa lula kunye nokukhawuleza kwemboleko.
Kukho imiba enokufuneka ifakwe kwisicelo sakho njengamanqaku akho ekhredithi. Ukuba unomlinganiselo omhle we-FICO, umbolekisi uya kwenjenjalo enze inkqubo yakho mboleko ngokukhawuleza kunokuba ulindele. Khumbula, i-SBA ayinikezeli imali ngokukodwa kodwa ke bonke abafake izicelo zemboleko bafake izicelo kubabolekisi abahambisa amaxwebhu kwi-SBA ukuze bavunywe.
3) Ukudibanisa iziSeko ezibalulekileyo zeNgxowa-mali yeMali
Iibhanki ezahlukeneyo kunye nababolekisi banokuba neemfuno ezahlukeneyo xa kuziwa kwiimali-mboleko ezixhaswa yi-SBA. Njengoko kuchazwe ngaphambili, kukuhle ukhethe i-LBA ekhethiweyo ye-SBA njengoko ikwazi ukukhawulezisa imali mboleko ngokukhawuleza.
Oku kuya kugqiba ukululaza inkqubo yokufaka isicelo semboleko . Nangona kunjalo, ekubeni yonke le mboleko ixhaswa yi-SBA, kukho ezinye iimfuno eziqhelekileyo ezifunekayo zidibane nomfaki sicelo. Ngokomzekelo, ifom yesicelo semboleko, uluhlu lwezinto zakho kunye neengxelo zakho zemali.
Kukulungile ukuchaza kwisicelo sakho ukuba ufuna ukuchitha imali efunyenwe ngayo. Kufuneka uxelele indlela oceba ngayo ukubuyisela umboleko. Phakathi kweminye imiba, sinakho ukulinganiswa kwamatyala kunye neenkcazo zakho zemali ezidlulileyo kwishishini lakho. Ukuhlangabezana nazo zonke ezi zicelo ziya kunceda i-SBA ukuba ivume imboleko yakho ngexesha elifutshane .
4) Hlanganisa onke amaxwebhu akho
Ukuze ufumane umboleko oxhasiwe yi-SBA, kufuneka uqinisekise ukuba unayo yonke ixwebhu kunye nelo cwangciso malunga neshishini lakho. Kumele unikezele amaphepha eemali zonyaka minyaka edluleyo.
Oku kukuvavanya isikhundla sotyalo-mali lwakho nokuba ngaba unakho ukubuyisela umboleko owufake isicelo.
Kufuneka uqinisekise kwakhona ukuba amaxwebhu asesikweni kwaye afanelekileyo. Unokutyelela iWebhsayithi yakwaBusiness.gov ngolwazi olungakumbi malunga nexwebhu lokufaka isicelo semboleko.
5) Udliwano-ndlebe olunzulu Ukulungiselela
Uninzi lwamaxesha, ababolekisi banokukubiza ngokuba nodliwano ngomlomo ngaphambi kokunika imali mboleko. Kulungile ukubonisa ngendlela ekhethekileyo. Yiba nesimo sokubuyisela ulwazi oluqulethwe kwifom yesicelo sakho semali-mboleko kunye neenyaniso ezibonakalayo. Oku kuya kukwenza ukuba umbolekisi anike umbolekisi ngaphandle kokwesaba ukungagqibekanga kwimbuyekezo yakho.
Ukongezelela, iingcali zemali zicebisa ukuba uchaze ngokucacileyo icebo lakho lokubuyisela. Isicwangciso kufuneka sisebenziseke kwaye sibe nomthwalo wobungqina. Isicwangciso sakho seshishini kufuneka sichazwe ngokucacileyo. Kukho abaqeqeshi bemali kunye nezikhokelo zentengiso ye-SBA. Zijonge kwaye zize kunye nesicwangciso soshishino esinokumkelwa ngamaziko okuboleka.
Xa unakho ngentla, kukho umlinganiselo omkhulu kakhulu wokubolekisa imali yakho. Qinisekisa ukuba unamaxwebhu afanelekileyo njengoko kufunwa yi-SBA. Ngaba iinkcazo zezimali ezidlulileyo kwi-shishini lakho, qiniseka ukuba izikolo zakho ze-FICO zilungile kwaye zilandele inkqubo yomthetho njengoko kuchazwe ngumthetho.
Ukuba ngokwenene uzalisekisa konke oku ngasentla kwaye umboleko wezoshishino awufumani mvume, uya kufuneka uhambe ngamaxwebhu kwaye uqinisekise ukuba ziqulethe. Lungisa naziphi na iimpazamo uze uthumele isicelo kwi-mboleko oyikhethile. Ukuba ungeke uqaphele naziphi na iimpazamo, qhagamshelana nomboleki kwaye ubuze ukuba yintoni ingxaki. Kuya kuba lula kunokuba uzame ukufumanisa ingxaki emva kweqiniso. Landela izikhokelo ezinikeziweyo kwaye kamva uphinde uthumele isicelo sesicelo semboleko kwakhona