Fumana iNkxaso Yenkampani Yakho Yimfuneko ngaphandle kokubeka iNkampani yakho engozini
Umngeni omkhulu kumntu ngamnye osomashishini uxhasa ngemali. Lo ngumgca wokuphila apho yonke ishishini likhula khona. Ukuba unamandla okomelela ngokwemali ekuqaleni, zibale inhlanhla ekubeni ininzi yokuqalisa ifumanisa nzima ukufikelela kwiinkunzi. Ingcamango ingase ibe khona kodwa iqhube ingcamango ngaphandle kwemali yoshishino ibe ngumngeni kwaye kufuneka uyenze.
Imithombo eyahlukeneyo yoshishino-mali ikhona kwiimarike ngokungafaniyo nakwixesha elidlulileyo xa kuphela umthombo wenkxaso-mali yoshishino yimboleko zemveli zeebhanki. Indawo yokubolekisa ibhizinisi iguqukile.
kwaye zazisa iinkqubo ezininzi ezahlukahlukeneyo ukwenzela ukwandisa amathuba okuboleka imali. Ngaphandle kwemali-mboleko yebhanki yendabuko, kukho i- crowdfunding , i-equity finance, i-angel investors, ukunyuka kwemali yemali, ukubolekwa kwemali-mboleko, iinkampani zemali yokuqeshisa, ukuxhaswa kwemali kunye nokubiza amagama ambalwa.
Zonke ezi zikhethiweyo zoshishino zenkxaso-mali zingabanceda abanikazi bezoshishino ukuba bafikelele kwixesha labo.
Nangona kunjalo, nabo banomdaka onokuthi bancitshise imizamo yenu yokutyalomali kwaye akushiye nantoni ekupheleni. Ngako oko kufuneka uqaphele kakhulu ngale mithombo yezemali. Ngezantsi ngenye ingqiqo yeminye imijelo yokuxhaswa kwemali ngamnye umnini-shishini kufuneka alumke phambi kokukhetha kwakhe.
UkuLawula Ukulawulwa Kweshishini Lakho
Ungayivakalelwa njani xa umntu enika imali enkulu kwi shishini lakho kwaye ekugqibeleni ugqiba ukulawula yonke into eyenziwa yinkampani? Yinto into enokuqala ngayo i-startups ekuhambeni kokuphucula amaphupha abo. Ngokomzekelo, ukuba isithunywa sotyalo-mali sitshala kwinkampani yakho ngokubonelela ngemali-mali , oko akulindeleyo kukubuyiswa okukhulu kwi-investment. Esi sizathu esibalulekileyo sokuba abatyali-mali bahlawulele imali kwaye babeke ingcamango yakho. Nangona kunjalo, ukulindela okuphezulu kwiimbuyekezo akunakusebenza oko kunokukhokelela kumbakala onzima kumnini-shishini. Ingongoma, isithunywa-mali sithunywa sifuna imali yakhe, kwaye unokulahlekelwa ukulawulwa kokusebenza kweshishini.
Kukulungile ukuba uqaphele ukuba inkxaso- mali yemali yenkxaso-mali iphinde ibe nomngcipheko omkhulu wokulahlekelwa ubunini bekampani yakho. Ukuba ubona isithunywa sotyalo-mali kunye nenkxaso-mali yenkxaso-mali njengendlela yokufumana ingcamango yakho yoshishino, uyakuqinisekisa ukuba ishishini lizuze ngokwaneleyo ukukhusela nayiphi na ilahleko yokulawulwa kweshishini lakho.
Akukho Nkxaso yeKamva yezoNkampani
Njengabashishini, kufuneka ube neshishini lokubuyisela umthombo wenkcitho ngenjongo yokuba ukuhamba kwemali kube yintlupheko kwixesha elizayo elizayo.
Kungcono ukuseka ukufikelela kwekhredithi ekuqaleni kwaye uqhubeke nokukhula ukuba ubuchule bokuxhaswa ngemali onokuhlala uxhomekeke kuyo xa ufuna imali. Ngako oko, kuyona nto ibalulekileyo kuwe ukuba ukhangele isibonelelo sokufumana inkxaso-mali oza kuhlala ekhona kuwe xa kwenzeka nantoni na. Ulwalamano olwakhiwe phakathi kwakho kunye nomthombo wakho wokuboleka kubalulekile. Ukungayifaki le nto yimpazamo apho ezininzi iinkqubo zokuqalisa ziqala xa ziqhuba ukushishino.
Uninzi lwezithunywa-mali kunye neengxowa-mali zemali zithatha ingozi enkulu kwiinkampani zokuqalisa . Xa beyifumana imali yabo, akukho nto inokwenzeka ukuba bayayenza nayiphi na indlela ekulandelelweni kwezoqoqosho kwiinkampani zenu ngaphandle kokuba kukho ukuphakama okukhulu ukubuyisela inzuzo enkulu kubo. Ukuba akunjalo, xa umntu ebuyisela inkunzi yabo, babeya kuhamba kakuhle.
Oku kuthetha ukuba ukusebenzisana neendlalili-mali kunye nabaxhasi bamashishini kuyimeko yokuphumelela kumntu osomashishini kunye nomtyalo-mali nakuba ixa elizayo liya kuxhomekeka kakhulu kwisiphumo sotyalo-mali lokuqala.
Ukunikezela kakhulu kwiBhizinisi Lakho
Njengoko uqalise usomashishini, umqobo omkhulu onokuwunqoba nawo umbandela wezemali. Xa usukwazi ukufumana inkxaso-mali , usenokungena ngoku kwaye uphakamise ukukhula kunye nokwandiswa kwemisebenzi. Abaninzi abasomashishini abatsha, into abayicinga ngayo ukuba ngaba bayakwazi ukufumana nayiphi na imithombo yemali kodwa kubambalwa, bonke abayifunayo ngumthombo onyanisekileyo wemali. Umthombo ofanelekileyo uthetha ukuzifumana ngemali kwaye ekupheleni kwexesha lotyalomali, lakho ishishini lishiywe kwaye lizisa inzuzo enkulu. Ngelishwa, oku akukwenzeka kuyo yonke imithombo ekhoyo yokuxhasa imali.
Kwimeko, ukuba kufuneka usebenzise i-crowdfunding , kukho umbandela wokubuyisela umvuzo kunye nemivuzo kubakho bemali. Ukufumana ezi zibalo zemivuzo engalunganga kungabonakalisa umonakalo kwaye ekugqibeleni akushiye nto ngaphandle kweshishini lakho. Unokugqiba ukunikela kakhulu kunokuba uwugcine kwi shishini. Kuyafana nokusetyenziswa kohlobo lwemali lwengxowankulu yemali apho ungagcina ufumana kakhulu ngaphantsi kwintengiso kuba uninzi lwayo luya kuthathwa ngokuthe ngqo yinkampani yokuthengisa imali yangaphambili . Ukuze ugweme le meko, kufuneka ubhale phantsi isivumelwano somsebenzi esichazela ngokucacileyo ukuba umtyalomali uza kubuyiselwa njani imali yabo nokuba ngaba kuthatha ixesha elide kunexesha eliqhelekileyo ukuba bawubuyisele.
Ubungqina obubi Kwishishini lakho
Ukuqhuba ishishini eliyimpumelelo akuxhomekeke kuphela kwiimeko zangaphakathi kodwa kunye neyangaphandle. Oku kubhekisela kwindlela ushishino oluhambelana ngayo nabathengisi, abatyalo-mali, abathengi kunye nomthetho. Yiyo leyo ifom yegama lakho shishini. Ukuba umntu osomashishini akaqapheli, umntu angonakalisa igama loshishino ngaphambi kokuba liqaliswe. Oku kuya kwenzeka nangona kuncike kakhulu kwinkqubo ekhethiweyo ukuba ikhangele ixabiso eliyinkunzi ukwenzela ukuba ingcamango yoshishino ibonakale.
Ukuba ukhetha ukusebenzisa i-crowdfunding njengendlela yokufumana imali yakho kweshishini lakho, ngoko ulunge ngakumbi ipakethe yakho! Oku kungenxa yokuba ukuxhamla abantu kungenza okanye ukuphule igama lakho lebhizinisi. Ukuqalisa umkhankaso we-crowdfunding ekugqibeleni ungaphumelelanga unokwenzakalisa ngokwenene kwi shishini lakho. Abantu abaye bafunga kuwe emva kokuba beva ukuba iphrojekthi ayiphumelelanga baya kuthatha imali yabo ngokuzenzekelayo. Akukho mntu uya kuba nokholo kuwe kuloo ndawo ngaphandle kokuba utshintshe amaqhinga akho kwaye uhambe kwelinye iqonga. Kuzo zonke, idumela alikwazi ukuhlala lifanayo. Oku kuthetha ukuba ukuba kufuneka usebenzise i-crowdfunding, kufuneka ucebe umkhankaso ophumeleleyo wokuxhamla abantu .
Imida yokuSebenza
Uninzi lwabathengi bamashishini abancinci banomdla wokunciphisa abashishini xa kuziwa ekusebenziseni ishishini ngokwalo. Babeka umdla wabo wokuqala oko kukubuyisela imali yabo kunokugxila kwindlela yokwandisa ishishini. Oku kunokuba lunqande kakhulu kubaxhamli ngenxa yokuba abasesikhundleni sokwenza oko bavakalelwa kukuphucula ishishini. Ngokomzekelo, ukuba umntu uzimisele ukusetyenziswa kwangaphambili kwemali yokuthengisa imali, inkampani inokukunqanda ukufumana iintlawulo zemali kwiintengiso. Lo ngumqobo onokuthi ungathintela ishishini kakubi ngendlela engafanelekanga. Uninzi lwabathengi abakhetha ukusebenzisa imali banokungena kwixesha elide elikhokelela ekulahlekelweni kwemali engenakho ukuphucula ishishini.
Enye yemithombo emikhulu yemingcele yezemali yoshishino lihamba phambili ngemali yokuthengisa imali (MCA). Ngokuqhelekileyo, ii-MCA zinciphisa abanini bezoshishino ukuba basebenzise nayiphi na enye uhlobo lokuthengisa ngaphandle kwamakhadi-mboleko. Lo umda omkhulu kumnini-shishini kuba unokuphela kokulahlekelwa yininzi yengeniso eya kuvela kwiminye imithombo. Ngaloo ndlela, kucetyiswa ukuba nabani na oomashishini abagqithise ukuba bahlole oko i-MCA iquka kwaye uzame ukuphinda uxoxisane ukuze amaqela omabili anelisekile kwaye ukulingana kwezoshishino kulingana.
Ukunciphisa iNkqubela yezoShishino
Ngokuqhelekileyo, imithombo ekhoyo yokuxhasa imali njengamashishini afana nokuxhaswa kwemali, izityalo-mali zithunywa kunye netyala lokuxhaswa kwetyala lihle kakhulu ezindlebeni kumntu ofuna umthombo wemali. Banokwenza ukuba amaphupha akho aphinde ayenze kodwa ayenokuziphendulela kwabo okufuneka ukuba bawaqonde ngaphambi kokuba bathabathe. Ngokuxhaswa kwemali, umnini-mali uza kuba nenxaxheba yenkampani ngelixa ityala lenkxaso-mali, imali okanye ingxowa-mali iya kunikwa kwaye isivumelwano siyafikeleleka xa ityala liya kuhlawulwa. Inqaku lokumisela lisetyenziswe kule ndlela yokugqibela.
Into ebaluleke kakhulu ukuba akukho shishini elifunayo kwishishini labo ngumba wokuba udibane nomntu rhoqo xa isigqibo malunga nokushishina kufuneka senziwe. Oku kungenxa yokuba amaninzi amaxesha yonke inkqubo ithatha ixesha elide kwaye ngamanye amaxesha isinqumo esithile kufuneka senziwe ngokukhawuleza. Akukho nethuba loshishino elindela nayiphi na indoda. Oku kwenzeka kakhulu kwi-equity finance and investments angel, apho imali inesabelo kwishishini. Isigqibo esincinci sokwenza utyeshe imisebenzi yoshishino kunye nexesha elinokuthi libonakalise libiza. Ukuze ugweme okunjalo, usomashishini kufuneka abelane ngamagunya kunye nomtyalo-mali wangaphandle malunga nendlela yokuqhuba imisebenzi yeshishini kwaye ukuba izigqibo kufuneka zenziwe, ixesha elincinane kufuneka lisetyenziselwe ukubonisana.
Ukubonisana kunye nokwenza izigqibo
Ngamanye amaxesha kushishino, izigqibo ezithile kufuneka zenziwe ngokukhawuleza engqondweni ukuba ixesha liyimali xa lifika kubashishini. Ngamanye amaxesha awudingi ukubandakanyeka nomnye umntu xa kuvela imeko enjalo. Nangona kunjalo, le nto ayisoloko iyindlela yokuhamba xa unomntu onomnxeba olawula enye ishishini ngenye indlela. Abanye abaxhamli bezoshishino ezifana nokuxhaswa kwemali kunye nabatyaloli bezithunywa zezulu bahlala belawulwa kwishishini kwaye ke kufuneka baxoxwe ngaphambi kokuba nawuphi na isigqibo esifikile.
Ukubonisana kunye nenkqubo yokwenza iinqununu kuyona nto ibangela ukuba umnini-shishini unqunyulwe ngokusemandleni
ixesha elidlulayo kwaye amenze alahleke amathuba amaninzi kumashishini. Ngaloo ndlela, njengomnini-shishini ofuna ukushiya ngakwesobunxele nangokunene, unokuvuyela kakhulu umntu owanika inkunzi kodwa ngaphambi kokuba uthathe isibonelelo, jonga kwi-equity financial and their demands kunye ne-angel investor, ungcono
uhlale phantsi kwaye wabelane ngubani owenza oko kwaye nini ukuphepha ukucotha ukuqhuba umsebenzi.
Sonke siyazi ukuba inkxaso-mali kwaye kule meko ukuzinza kwezemali yenye yezinto eziphambili ezinokwenza nayiphi na ishishini liphumelele. Yenza izinto zihambelane ngokulula xa zikho
yinkinga yokuhamba kwemali. Wonke umnini-shishini ufuna imali ukuze aqale ishishini okanye wandise ishishini. Imithombo engafanelekanga yokuxhasa imali namhlanje iqwalaselwa ngokukhawuleza kwaye indlela elula yokufaka imali kwi shishini.
Ukukhetha okunye kunemibandela yabo kwaye kunokukhokelela ukuwa kwezinto ezinokuthi zenzeke ngempumelelo kwiinkampani zoshishino. Ngaphambi kokuba nayiphi na ishishini loshishino lithatha iintlobo ezahlukeneyo zeendlela zokufumana imali ezikhoyo, kufuneka uhlolisise i-pros and cons. Ngaphandle kokwenza njalo, ezinye izinto zingabonakalisa ixabiso ngokukhawuleza. Kufuneka uqaphele kakhulu phambi kokuba unqume isigqibo sokuba enye imithombo ethile yenkxaso-mali ayiyi kuchaphazela ishishini lakho ngendlela engafanelekanga.
Isigqibo sonke kufuneka senziwe ngokuxhomekeke kwiinjongo zoshishino lwakho, ukuba unobuncwane okanye awukho kunye nokuba uluphi uhlobo lwezinto ojongene nazo. Ngokomzekelo, ukuba unempahla ongayisebenzisa njengobuncwane, kuya kuba bubulumko ukukhetha imali yokufuma njengemithombo yemali kunokuba usebenzise imali. Khangela oko unakho kunye nento oyifunayo ngaphambi kokuba ulungiselele nayiphi na uhlobo lomthombo wempembelelo yoshishino lakho. Xa konke oku kwenziwa, unokuba phakathi kwabantu abaphumelele ngokufumana le mimithombo.