Iinkqubo ezine zemboleko ezifumaneka kwi-US Small Business Administration
Iintlobo zemali-mboleko ze- SBA ziyafumaneka eziqinisekisiwe yi-US Small Business Administration- SBA- inikeza iinkqubo ezininzi zemboleko zokuncedisa amashishini amancinci. Hlalani nikhumbule, nangona kunjalo, ukuba i-SBA ayilona liziko lokubolekisa. Kunoko, iqinisekisa iimali-mboleko ezenziwe ngamabhanki abucala kunye namanye amaziko okubolekisa.
Isisiseko 7 (a) Imali-mboleko yeSBA Guaranty
I-Basic Basic SBA 7 (a) Inkqubo yeNgxowa-mboleko yeyona mboleko ifika ngokukhawuleza engqondweni xa umntu echaza ngemali mboleko ye-SBA.
Inkqubo yokubolekwa kwemali-mboleko i-SBA inikezela ukunceda amabhizinisi amancinci afanelekileyo akhusele iimali-mboleko ezingenakho ukufumana izibonelelo eziqhelekileyo zokubolekisa ngaphandle kwemvume kaRhulumente. Kwakhona iimeko ezithintekayo kakhulu kwiimali-mboleko ze-SBA ezinikezwa yi-SBA kuba 7 (a) mboleko ze-SBA zingaqinisekiswa ngeenjongo ezahlukeneyo zezoshishino.
Imali eqinisekisiwe kwiSiseko esiSiseko 7 (a) Imali-mboleko ye-SBA ingasetyenziselwa iinjongo zoshishino ezahlukeneyo kubandakanywa inkxaso-mali yemali yokusebenza, uomatshini kunye nezixhobo, ifenitshala kunye nokulungiswa kwempahla, umhlaba kunye nezakhiwo, ukuphucula umnqweno phantsi kwezivumelwano zokuqeshisa, kwaye, phantsi kweemeko ezizodwa, ukuhlaziya phambi kwetyala. Isiseko sesi-7 (a) Imali-mboleko ye-SBA inokuqhuba ixesha lokukhula ukufikelela kwiminyaka eyi-10 yokusebenza ngemali kwaye ngokubanzi ukuya kuma-25 kwiminyaka yokuxhaswa kwemali ye-asethi.
Iimali-mboleko ze-SBA phantsi kwe-7 (a) inkqubo yenziwe kumashishini amancinci akhona kunye neenkampani zokuqalisa ngokusebenzisa iinkampani zokuboleka zorhwebo.
Ininzi lamashishini amancinci afanelekile ukufumana le mboleko ngokubonelela:
- Injongo yokusebenza ngenzuzo
- Bazibandakanya okanye baceba ukubandakanya ishishini ngaphakathi kwe-United States okanye izinto zalo
- Unobunye umlingani wabanikazi babo ukutyalo-mali kwishishini
- Khangela ezinye iindlela zokuxhasa ngemali kuqala - njengama-assess
Kakade ke, akusiyo yonke ishishini elincinci eliya kufumana i-7 (a) mboleko ze-SBA, kodwa i-SBA inikezela ngokungafani kweprogram ukulungiselela iimfuno ezithile ezijoliswe kuzo. Umzekelo, iiNgxowa-mali ze - Patriot Express ezivela kwi-SBA zijoliswe ngokukodwa ekuvunyelwene ngokukhawuleza kwe-7 (a) imali-mboleko kumsebenzi osebenzayo kunye nabasemagunyeni abo.
Ulwazi oluninzi kwi-SBA 7 (a) mboleko
Inkampani eQinisekisiweyo yophuhliso (CDC) - 504 Imali ye-SBA
Ezi mboleko zemali ze-SBA zibonelela ngexesha elide, ukuhlawula ngexabiso elizinzileyo kumashishini amancinci ngenjongo yokufumana i-real estate okanye uomatshini okanye izixhobo zokunyuselwa okanye ukuhlaziywa. Imali-mali ye-SBA 504 ibandakanya i-10 ekhulwini ngokulingana nombolekisi kunye nemboleko yemali engama-50% yemali epheleleyo evela kumntu osesikhundleni samashishini abucala kunye nomboleko ohlinzekwe yiNkampani yoPhuhliso oluQinisekisiweyo (i-CDC) (i-private private non-profit corporation egalela ekuphuhliseni uqoqosho loommandla okanye ummandla) kwixabiso elifikelela kuma-40%, elixhaswa ngemali eqinisekisiwe ye-SBA kwaye ibambe iqhosha lesibini kwi-real estate, uomatshini okanye izixhobo zokusebenza.
Iimali-mboleko ze-SBA zijoliswe kumashishini amancinci afuna ukuxhaswa ngezitena kunye nomdaka "izitishi okanye izityalo zomzimba.
Ukuze ufaneleke kule mboleko mboleko ye-SBA, ishishini kufuneka liqhutyelwe ngenzuzo kwaye lingabi nexabiso elibonakalayo elingaphaya kwe-$ 7.5 yezigidi kwaye ingenayo imali engenayo yemali engaphezulu kwama-2.5 yezigidi emva kweerhafu kwiminyaka emibini edlulileyo.
Iimali-mboleko ze-SBA ezingama-504 kwaye zingasetyenziselwa ukucatshulwa okanye utsalo-mali kwiindawo zokuqashisa.
Ulwazi olungaphezulu kwiimali-mboleko ze-SBA 504
7 (m) Imali yeMali e-SBA
7 (m) Iimali-mboleko ze-SBA zenzelwe ukubonelela ngemali-mboleko yexesha elifutshane ukuya kwii-35,000 zama-shishini kumashishini amancinci kunye namaziko okunakekela abantwana abangenazo inzuzo kumsebenzi wokusebenza okanye ukuthengwa kwempahla, ukubonelela, ifenitshala, ukulungiswa komatshini kunye / okanye izixhobo . Imali yezi mboleko ze-SBA ayikwazi ukusetyenziswa ukuhlawula amatyala akhoyo okanye ukuthenga i-real estate. I-SBA yenza okanye iqinisekisa umboleko kumcebisi (umboleki-mali ongeyena inzuzo ehlala kuluntu obonelela ngophuhliso kunye noxanduva lobuchwepheshe kumbolekayo), ngubani na owenza i mboleko kwi shishini elincinci. Ezi mboleko ziqinisekisiwe yi-SBA kwaye zifumaneka kuphela kwiindawo ezikhethiweyo kwiindawo ezininzi.
Nangona iprojekthi yeMboleko ye-Micro Loan ye-SBA inikeza imali-mali ukuya kuma-35,000 ayi-$, i-SBA ibika ukuba umboleko oqhelekileyo u-$ 13,000.
Ulwazi olungaphezulu kwi-SBA 7 (m) mboleko .
Inkqubo yokuQala ukuFundiswa kweMali ye-SBA
Le nkqubo yokubolekwa kwemali ye-SBA ivumela abafakizicelo bentengiso ukuba benze izicelo zabo zemali-mboleko ezifikelela kuma-250,000 ama-R250 ahlalutyiweyo yi-SBA phambi kokuba umnini-shishini ubhekisele kumboleki-mboleko. Ngenxa yokuba ukuboleka kwale ngqangi kunzima ukukhuseleka, inzuzo yale nkqubo ye mboleko yenkqubo ye-SBA kukuba yenzelwe ukunceda abanikazi boshishino ukuba balungise izicelo zabo zemboleko-kuquka nezicwangciso zabo zoshishino - kwiinkcukacha ezaneleyo zokuqwalaselwa ngokukodwa ngababolekisi babo.
I-SBA mboleko ye-pre-qualification igxininisa kumlingani wesicelo, i-credit, amava kunye nokuthembeka kunokuba i-asethi yeefayili. Ukuphononongwa kwe-pre-qualification kusekelwe kwiimali eziphambili zemali, umlando wekhredithi kunye nezoshishino, kunye nemigomo yesicelo-mboleko.
Ummiselo ochongiweyo we-SBA usebenza nomnini-shishini ukuba ahlaziye kwaye aqinise isicelo semboleko. Ummiselo ochongiweyo we-SBA unokuba yiziko loPhuhliso lweZincinci zincinci okanye intlangano enenzuzo. Amacandelo ePhuhliso loShishino lwaBamnyama abasebenza njengabaxhasi abahlawulisi intlawulo yempahla yokubolekwa kwemboleko, kodwa inhlangano engenelwe inzuzo yenza.
Imalimboleko ye-SBA kule nkqubo ilawulwa yi-Ofisi ye-SBA ye-Field Operations kunye nee-ofisi zezithili ze-SBA. Ukufumanisa ukuba kukho umlamli ongaphambili osebenza kwindawo yakho, qhagamshelana neofisi yakho ye-SBA yendawo.