Abanini bezoTyhutyana abaNtu abanokufumana inkxaso-mali ukuze bakhulise ishishini labo
Emva kokukhonza emkhosini, amaninzi amabutho ethu ase-United States ahlale ekhuthazwa ukuba ajoyine iinkqubo ezahlukeneyo zokusomashishini ezingabancedisa ukuba bakhulise ishishini eliyimpumelelo emva kwexesha elide leenkonzo abanikezelayo kunye nokubingelela ilizwe lethu. Isizathu esona sizathu sokuba onke amalungu asekuhlaleni amagosa asoloko eqhutyelwa ukuba angene kwi shishini kukuba izakhono ezithe zafunyanwa kwaye zifuna ukuphila kwimpi zifana nezo zinto zifuna ukuba zisinde kwihlabathi lezoshishino.
Kwabahwebi bezilwanyana, kuyacetyiswa ukuba bagxininise ekumiseni umlinganiselo ophezulu wokuthenga ngetyala kunye kunye nezoshishino. Ukuba ishishini lakho linamaphuzu alo, ababolekisi abayi kufuneka kuphela ukuxhomekeka kumanqaku akho okukhetha ukuba ngaba unelungelo lokufumana uncedo lwemali okanye cha.
Nangona kunjalo, esinye isithintelo esikhulu esithintela abadlali bezilwanyana ukuba bangabandakanyeki kwezoshishino ngenxa yokungabi nali-mali. Kwiphepha elifanayo, ukuba baye bacela umngeni kwiingqinisiso zemboleko kwenza kube nzima nakakhulu kwabanye abafuna ukufumana imboleko encinci yebhankini okanye umgca wekhredithi. Ngaphandle kwazo zonke iingxaki ezikhankanywe ngasentla, kusengcono ukuba nawuphi na umlindi olwaziyo ukuba achazwe kakuhle malunga neentlobo zemboleko ezifumanekayo kunye nendlela umntu angafaka ngayo. Nantsi ukuphazamiseka okukhawulezileyo kweentlobo ezahlukeneyo zemisebenzi yemboleko yemashishini eyafumaneka kubadala bezilwanyana.
Inkqubo yeNkqubo yeNgxowa-mali yePatriot Express
Ngaba usomabhizinisi obambileyo onamathele phakathi kwedwala kunye nendawo enzima ngokwemali yezoshishino?
Ingaba unombono wezoshishino ocinga ukuba unokutshintsha ubomi bakho nobomi babanye abantu? Ukuba impendulo yakho inguyewe, akukho mfuneko yokuba ungakhathazeki ngenxa yokuba enye yeenkqubo zemboleko zoshishino onokuzifaka isicelo yinkqubo yokubolekisa imboleko. Inkqubo ye- Patriot Express Loan Inkqubo iyafumaneka kuwo onke amabutho omkhosi ngaphandle kokuba umntu ahlaselwe ngokungahloneliyo emkhosini.
Ukongezelela, ishishini liya kufuna ukuba libe ngaphezu kwama-51 ekhulwini anesigxina.
Olu hlobo lomboleko luqinisekisiwe yi- Small Business Administration (SBA) . Oku kuthetha ukuba xa kukho nawuphi na umgcini wezilwanyana ongafezekanga ngentlawulo, i-SBA ibuyisela umboleko. I-Small Business Administration (SBA) yenye yezona ndawo ezihloniphekileyo e-US ezizinikezele kakhulu ekuncediseni iinqwelo-mkhosi ukuba zikhawuleze ubomi bobuhlanga ngokulula. Oku kungenxa yokuba ihlaziywa ngemali nganye mboleko kunye nesibonelelo esinokufumaneka kuma-veteran . Izaliswe ulwazi olungagcini nje kuphela kwiimali kodwa kunye neenkqubo zemfundo kunye neengcebiso zoshishino ezikhoyo. Ngaba ungumlindi onengqondo yezoshishino? Ingaba unengcamango engathandekiyo yoluphi uhlobo lweshishini ofuna ukungena kuyo? Qiniseka ukuba uhlolisise iwebhusayithi ye-SBA ngolwazi olongezelelweyo nenkxaso.
Iingxowa-mali zokuLawulwa kweNtlekele yezoMoqosho
Olu luhlobo lomboleko oluthatyathwe ukubonelela ngemali yokusebenza kumasebe aseburhulumenteni asekuqaleni. Kulungile ukuba uqaphele ukuba le mboleko inikezelwa kumntu okhuselekileyo oye wabuyela emsebenzini osebenzayo. Injongo yemboleko kukugcina ibhizinisi liqhuba xa umnini engekho emsebenzini osebenzayo wempi. Lo mboleko uphinde uqinisekiswe yi-Small Business Administration, nangona umthetho wesigqeba uthi ukuba nayiphi na ishishini lifanele ukufumana le mboleko, kufuneka ukuba ibuye iphinde ibuye isebenze ngokuqhelekileyo xa umnikazi ebuyela.
Ukuba ishishini linakho izixhobo zokufumana kwakhona, ngoko i-SBA ayikwazi ukuqinisekisile imali mboleko kunye ne-vice-versa. Isixa esiphezulu semali mboleko i-$ 2 yezigidi kunye nemigqaliselo yokubuyisela imali yemali emide kuneminyaka engama-30.
IiNkqubo zeMali yeMranti yeMeter
Inkqubo ye-microloan injongo yokuncedisa nawuphi na umlindi oshishino lwakhe oluchaphazelekayo kwaye ufuna iimali ezikhawulezayo ezinokubambisa ishishini kumaxesha anzima kwezoqoqosho. Olu hlobo lomboleko lujoliswe ngokukodwa ekuncedeni nayiphi na ishishini elinempahla yezilwanyana ukuthenga izinto, ifenitshala okanye ukufumana iimfuno zokuthutha. Olu hlobo lomboleko lujoliswe ngokukodwa kwiinjongo zexeshana kwaye ubukhulu becala nawuphi na umdala onokufaka isicelo kuphela ngama-50,000 kuphela.
Nawuphi na umlindi onomsebenzi osesikhundleni esele usele angenza isicelo salolu hlobo lwe-microloan. Ekubeni ixabiso eliphezulu lemali liyi-50,000 kuphela, ixesha elinikwe ukubuyisela umboleko nalo lifutshane.
Ngaloo ndlela, ukuba ungumlindi ofuna imali ekhawulezayo ekuphuculeni ishishini lakho, ke le mboleko ingayona nto ingcono kakhulu kuwe. Ngaba ufuna ukwandisa imali esebenzayo kwi-ishishini lakho le-veteran? Ngaba ufuna ukuthenga izixhobo ezintsha okanye ifenitshala kwi shishini lakho okanye ngaba ufuna nje imali eyongezelelweyo yokwandisa ishishini lakho? Emva koko i-microloan ingaba yintoni enye into efunekayo shishini lakho.
Izibonelelo zabaseMagqirha
Esinye seziza apho unokufaka izicelo zenkxaso-mali zincinci zamashishini kubantu bezilwanyana zaseburhulumenteni. Iqulethe ngokutsha ngcaciso malunga nezibonelelo ezahlukeneyo kubantu abafuna ukuqala amashishini abo. Kodwa ke, kulungile ukuba uqaphele ukuba izibonelelo ezikhoyo kule ndawo zikhankanywe ngokuthe ngqo ukuba ziqalise amashishini okanye ziphucule amashishini angoku kwaye azikwazi ukusetyenziswa kwezinye izinto. Kukhona uphawu lokukhangela kwisayithi apho ungasesha khona 'izibonelelo zenkxaso-mhlaba' kwaye ufumane iinqununu ezineenkcukacha zangoku malunga nezibonelelo. Sebenzisa izixhobo ezikhoyo ukuzalisa izicelo.
Zonke iinkqubo zemboleko ezikhankanywe ngasentla zijoliswe ukuqinisekisa ukuqinisekisa ukuba abaphathi be-antieter bafumana inkxaso abayifunayo ukuze bakhulise ishishini labo baze baphumelele emva kokuba iintsuku zabo zikhonza emkhosini. Injongo yokwazisa le ntlobo yeenkqubo zokubolekwa kwemali mboleko kukunika iinqwelo-mkhosi ukuba zibeke zonke izakhono zempi, ukuziphatha kunye nokuqeqesha ekusebenziseni kwihlabathi loshishino njengoko kuye kwafakazelwa ukuba zonke ezi ziimpawu zifana neendlela ezifanayo kunye nezakhono ezifunekayo ukuze ziphumelele kwilizwe lezoshishino.
Ukuba ungumlindi ovela apho kunye nombono wezoshishino, ukufaka isicelo sokuba le mboleko izakukunika imali eyimfuneko eyimfuneko ukuguqula imibono yakho yezobomi ibe yinyani.