Indlela abadlali bezilwanyana abanokufikelela ngayo kwimali-mboleko emancinci yoshishino
Amanqwanqwa amaninzi emkhosi anokwenza oko kuyenzela ukuyenza kwilizwe elithandwayo ngokubonga umlingani kunye nokuziqeqesha okukhuthazwa ngokukhonza emkhosini. Izabelo zemikhosi zibenza bakwazi ukuhlakulela ukuzithemba, izakhono zobunkokheli, ukuzimisela nokuthatha ingozi ebomini. Emva kokuthatha umhlalaphantsi, amaninzi amanqwanqwa anqwenela ukubandakanya ukurhweba njengendlela yokuphucula izakhono zabo ezifunyenweyo ngexesha lenkonzo yabo emkhosini.
Amanqwanqwa amaninzi aseMelika afikelela kwiinkonzo ezincinci zeshishini njengabanye abanikazi bamashishini abancinci. Ulawulo olutshanje lwezoqoqosho lwe-US (i-SBA) luye lwasekwa amalungiselelo akhethekileyo kubalindi. I-SBA isebenza ngokubambisana kunye namaziko ahlukeneyo okufikelela kumashishini ukuze aqeqeshe kwaye akhulise nayiphi na ingcinga yezoshishino kwiivenkile. Ezinye zeendawo zokufikelela kwiindawo zoshishino zibandakanya i-Veteran First Launch Initiative kunye ne-VetNet yi-Google phakathi kwamanye amaninzi.
Nangona kunjalo, kunzima kunzima kuma-veterans ukuba afumane iingxowa-mboleko ezincinci zezo shishino ngenxa yesikweletu esikhatywayo kunye neemfuno zomqulu. Nangona i-SBA ke, nayiphi na inqwelombazi inokufikelela kwimboleko encinci yebhizinisi ukususela kwizenzo ze-SBA njengomgcini-mboleko xa kwenzeka nayiphi na i-vet engafanelekanga kwiintlawulo zemboleko. Oku kuye kwenza kube lula kakhulu kwiibhanki kunye nezinye iinkampani ezibolekisa ngemali-mboleko ukuba zinikeze imali mboleko kulabo abaye bahlala umhlala-phantsi kumbulelo wemikhosi kunokhuseleko oluqinisekiswe nguLawulo lweZimashishini ezincinci.
Ukuba ufaka isicelo semboleko encinci yebhanki kwibhanki, i-bhanki iya kuhlola ngokukhawuleza isicelo sakho malunga nezikhokelo ezibonelelwe yi-SBA kwaye ukuba uyafaneleka, umboleko oqinisekisiwe ngu-SBA uya kunikwa ngexesha elifutshane kakhulu. Ngaphantsi ukujonga ngokukhawuleza kwiimali-mboleko ze-SBA ezahlukahlukeneyo zezilwanyana zamatyala kunye neemfuno zabo zemali .
Inkqubo ye-Guarantee Programme: Lo luhlobo lomboleko ojoliswe ekuqaleni okanye kunoko ukwandisa ishishini elincinci. Isixa esiphezulu semali mboleko efumanekayo kunoma yiyiphi inkunzi i-$ 5 yezigidi. Ukuze unike le mboleko, kufuneka unikeze i-10% yoshishino. Xa kukho nawuphi na ishishini elikhoyo, kufuneka unike ingxelo yezemali ebonisa ukuba ishishini linokusebenza, liyinzuzo, lilawulwa kakuhle kwaye alikho iirhafu. I-SBA 7 (a) mboleko ihlukaniswe kwiprogram yokubolekwa kwe-CAPLines, Imali-mboleko ye-Advantage, iimali mboleko zorhwebo zasemaphandleni, iimali-mboleko zentlalo kunye ne-SBA Export Loan Programs phakathi kwamanye amaninzi.
Inkqubo ye-Microloan: Olu luhlobo oluthile lwemboleko eqinisekisiwe yi-SBA. Le mboleko ngokuqhelekileyo ithetha iinjongo zesikhashana ezifana nokuthengwa kwempahla, iikhomputha, ifenitshala kunye nokuthutha. Isixa esiphezulu naluphi na umgcini onokuthi unikwe i $ 50,000. Kufuneka kuqatshelwe ukuba lolu hlobo lwemboleko alukwazi ukusetyenziswa kwiinjongo ezingenjongo ekuhlawuleni amatyala akhoyo okanye ukuthenga ipropati. Isixa esiphezulu sokubuyiselwa kule mboleko yiminyaka emithandathu.
Impahla yeMpahla kunye neZibonelelo: Lo luhlobo lomboleko obhekiselele ekuxhaseni iimpahla ezinkulu ezinjengezinto zokusebenza. Ukufaka isicelo sale mboleko, yonke i-veteran kufuneka ibe nenkampani enenzuzo kwaye akufanele ufake isicelo semboleko kunoma yimuphi umthombo kunye nesicwangciso soshishino esibhaliweyo.
Iimali zengxowa-mali : I- SBA inikezela ngemali-mboleko yezilwanyana zamatyala xa ipropati yabo ibhujiswa yientlekele ezifana neziphepho. Ukuze ukwazi ukufumana le mboleko, kufuneka ufumane okanye mhlawumbi indawo yakho ifanele ibe kwindawo yendawo echazwe yentlekele. Kukho iintlobo ezimbini zeengxowa-mboleko zeentlekele ezibizwa ngokuba yimali-mboleko yemeko yentlekele kunye nemali-mboleko yokulimala kwezoqoqosho Amaxesha angaphambili kufuneka asetyenziswe ukulungiswa kwepropati ewonakalisiweyo njengomatshini, izixhobo, ifenitshala kunye ne-inventory. Ngaphezu koko, nawuphi na umlindi ovumelekile ukuba anikwe ubungakanani bentengo ye-20% kwisixa esipheleleyo somonakalo wenhlekelele ukwenzela ukukhusela ipropati entsha malunga neentlekele ezizayo zohlobo olufanayo.
Ngokuqhelekileyo, nawuphi na umkhosi wezempi angakwazi ukufikelela kule nxalenye ingentla yeziboleko ezivela kubanikezeli abagunyazisiweyo. Kukho inani elincinci labathengi e-US kuzo zonke i-county ukubonelela zonke ezi ntlobo zemali-mboleko kunoma yimuphi umkhosi wasemkhosini onomdla.
Nangona kunjalo, kulungile ukuba uqaphele ukuba kuyo yonke imboleko, umlindi ngamnye kufuneka ahlangabezane nazo zonke iimfuno ezibekwa yi-SBA.