Izinketho zendalo kunye nokudala ukufikelela kwiimali ozidingayo
Namhlanje, iibhanki ziye zazingqongqo kunye nemali yazo.
Kukho izinto ezininzi ezinokuqwalaselwa phambi kokuba nayiphina imboleko yoshishino ivunyiwe. Kuthetha ukuba oomashishini kufuneka bacinge ngaphandle kwebhokisi kwaye bafumane ezinye iindlela zokukhetha ukuxhasa ngemali ngamashishini abo. Nge-intanethi kunye ne-teknoloji, sekuyisikhathi sokubasebenzisa xa kuziwa ekukhuliseni i-capital, kunokuthembela kuphela kwimithombo yemveli ebekho khona ngonaphakade.
Namhlanje, sifuna ukukuthatha ngeendlela ezahlukeneyo kumashishini okanye oosomashishini abanokuphakamisa imali. Akusiyo yonke imithombo yemali eyinkunzi isebenza kuyo yonke imbono yoshishino, nangona kunjalo. Usomashishini kufuneka akhethe enye ehlangabezana neemfuno zabo. Nantsi ukuphazamiseka kwemithombo yemveli kunye nokudala yenkcitho ongayisebenzisa ukuqala inkampani yakho.
Abahlobo kunye Nentsapho
Ukuba ishishini lakho licatshulwa kakuhle kwaye linesicwangciso soshishino esifanelekileyo , amalungu akho entsapho kunye nabahlobo bakho ngabantu abasondeleyo xa besondela ekukhuleni i-capital kwi shishini lakho.
Izakhono zakho zokunxibelelana kufuneka zikugcine kule ngongoma. Into enhle ngemali evela kubahlobo kunye namalungu entsapho kukuba liza namazinga amanqanaba aphantsi kakhulu okanye akukho nanye. Iyancitshiswa xa uqhuba ibhizinisi kuba awuyi kufunwa ukuba ukhokhe izinga lentengo kwimali-mboleko. Nangona kunjalo, lumkele xa ukhetha amalungu ekubeni abanye babo bafuna isabelo esiningi senkampani yakho.
Ukuthengiswa kweeAfa
Xa uqala ukuqhuba ibhizinisi, kukulungile ukuqwalasela nokusebenzisa oko kufuneka ufumane oko ufuna. Ingaba unayo nayiphi impahla ongayiguqula ngokulula imali? Ukuba unayo, kulunge kuwe. Yibathengise kwaye usebenzise imali ukukhaba iqela lakho. Kubalulekile ukuba uqaphele ukuba, kwihlabathi lezoshishino, konke kukungozi kwaye akukho nto. Thengisa yonke impahla yakho kwaye utyalomali kwishishini lakho. Ukwenza okunjalo kuncinci kunokuba uhambe ngemali-mboleko eya kuza ngokuzenzekelayo ngexabiso eliphezulu.
Khangela i-Angel's Investors
Ukuba unengcamango enkulu yoshishino, kukuhle ukukhangela isithunywa-mali isithunywa-mali esiza kunika inkxaso-mali ukuba ukhawule ukuqala kwakho ngaphandle kwemali. Nangona kunjalo, kufuneka uqaphele ukuba isithunywa sotyalo-mali siya kuba nesabelo soshishini lakho kwaye siya kubandakanyeka kwisigqibo. Ngaphezu koko, balindele kwakhona inani elithile lokubuyisa imali yabo. Ukuba ngokwenene unesicwangciso soshishino esifanelekileyo nesilungileyo, yenza iphupha lakho libe yinyani ngokukhangela ingelosi. Yiba nolwimi olufanelekileyo kwaye uqiniseke ukuba imbono yakho yoshishino inenzuzo kakhulu. Ukuxininisa ukuba bonke abatyalomali babo baya kubuya ngenzuzo enkulu.
Investment Capitalist
Enye enye ingcamango ongayisebenzisayo yokwandisa ishishini lakho ngekhulu lama-21. Nangona kunjalo, le ndlela isebenza kuphela kwiinkampani okanye kumashishini asele ngaphaya kwesiqalo sokuqala kwaye abhekane nobunzima ekusebenzeni nasekulawuleni ngenxa yobunzima bemali. Ukuba inkampani yakho iseklasini esinjalo, unokuthi ungene kumagosa angxowankulu abaza kujoba inani elithile lemali kwi-shishini kwaye liqhubeke liqhuba kunokuba livalwe. Njengengcezu yeengcebiso, singathanda ukuchaza ukuba abaninzi abaxhasi beengxowa-mali bafuna ukubuyisela imali yabo kwiminyaka emithathu.
Imali yeMali yeMali
Ukuba unemali-mboleko yekhaya, ungasebenzisa imali mboleko ukuze uhlawule ishishini lakho . Into enhle ngala ma-mboleko kukuba afika nemigomo eguquguqukayo kunye namaxabiso athatywayo aphantsi.
Nangona kunjalo, ilumkiso kufuneka lithathwe ukususela oko, ukuba ishishini litshatyalaliswa okanye ngandlela-thile ungahambisani nemimiselo nemimiselo yomboleko, ubeka ingozi yokungena.
Ukuqesha ikhaya lakho
Kwilizwe lezoshishino, kuhlale kusemngciphekweni okufuneka ufike kuyo apho ufuna ukuba khona. Umzekelo omhle ukurenta indlu yakho kunye nokusebenzisa irenti ukuqala ishishini lakho. Yindlela ebonakalayo yokudala abantu abaninzi baseU.S. basebenzise ukufumana ishishini. Akukho mfuneko yokuba uhlale kwindlu yokulala elinelishumi xa unakho ukuhlala endlwini emithathu yokulala! Qasha indlu ye-10 yokulala kwaye usebenzise imali ukuze uqalise ishishini lakho.
Imali yeMali
Ngecebo elifanelekileyo loshishino, elinenjongo kunye nokusekelwe kwezoshishino, amaziko eemali ahlukeneyo aya kukulungele ukunikezela ngemali-mboleko emancinci. Kukho iintlobo ezimbini zemali-mboleko yezo shishino: iimali-mboleko eziqinisekileyo kunye nemali-mboleko engakhuselekanga. Iimali-mboleko eziqinisekileyo zineentlawulo, oku kuthetha ukuba xa uhluleka ukuyihlawula, i-asethi yakho inokuthathwa ibhanki. Ngakolunye uhlangothi, iimali-mboleko ezingakhuselekanga azikho nokhuseleko oluqhotyoshelweyo kubo. Yintoni enokukunciphisa kuzo zombini iimeko ukuba umgangatho wakho we-FICO uphantsi.
I-Advice Cash Advance
Ukuba uceba ukusebenzisa iikriti kunye nekhadi lokukhawuleza kwi-shishini lakho, omnye umthombo ongeyomthombo unokuba ngumthengi wemali esengaphambili. Umboleko owenzelwe kumashishini ngokubhekiselele ekuthengisweni kwekhadi lokuthenga ngetyala kunye nekhadi. Ukuxhamla kwenkcitho yokuthengisa ngemali yomthengisi kukuba iqokelelo liqokelela ipesenti ethile yokuthengiswa kwekhadi kunye ne-debit card, oku kuthetha ukuba xa kuthengisa ixabiso, uya kuthatha isixa esincinci kwaye ukuba kuthengiswa kakhulu, uya kuthatha ipesenti ephezulu. Kwakhona, akuyi kuba nenani lentlawulo kuba ingathathwa njengoluhlobo lwemboleko.
Factory Factoring
Ngezinye amaxesha kuthiwa yi-invoyisi. Le yinkqubo apho umninimzi-mvume avumelana nomnini-mali ukuba awanike imali malunga nokuhlawulwa kweevoyisi ezizayo ngabaxumi. Into enhle malunga nalo hlobo lwesivumelwano, ngokungafani nemali-mboleko, kukuba akukho ntlawulo yemali ehlawulwa ngumboleki. Ngaba akuyona le ndlela engcono yokuxhasa imali shishini lakho xa kuthelekiswa nokuya mboleko kwibhanki? Ngokuqinisekileyo, kunjalo. Nangona kunjalo, kulungile ukuba uqaphele ukuba ngaba abathengi bakho behluleka ukuhlawula ii-invoyisi ngexesha, unokuphelisa ukulahlekelwa ngumboneleli wesevisi.
Amakhadi aMatyala
Iinkampani ezininzi namhlanje ziboleka imali kumakhadi abo kunye nekhredithi yamashishini ukuze bahlawule imali yabo. Kungenxa yokuba bangabizi kwaye banokukhawuleza kunentuthuko yemali yokuthengisa kunye ne-facto factoring. Xa usebenzisa le ndlela, kunjalo, kufuneka uqaphele ukuba ungagqibekanga kwiintlawulo njengoko ixabiso lentengo kunye neendleko zamakhadi ezakha ngokukhawuleza.
Ukuboleka kwe-intanethi
I-intanethi ithatha ngokukhawuleza kwihlabathi lokurhweba. Iinkonzo zokubolekisa nge-intanethi njengeKobbage kunye ne-Ondeck ngoku ikhula kwaye ithandwa kakhulu xa iqhathaniswa nemboleko yemveli yoshishino esuka kwiibhanki kunye namaziko eemali-mali. Kungenxa yokuba bayakhawuleza kwaye banokwethenjelwa. Ixesha le mboleko lithatha ngaphantsi komhla! Ukuba unomcimbi wezoshishino, unganqikazi, nje ufake isicelo semali evela kubanikezeli be-intanethi kwaye ukhawuleze iqumrhu lakho ngaphandle kwexesha.
Izibonelelo zikaRhulumente
Lucky wena, onomdla wezoshishino ojongene nophando ! Urhulumente, ngokukodwa ulawulo olutsha lwezoshishino, unikeza izibonelelo kubashishini abafuna ukufumana iingcamango zoshishino zophando. Nangona kunjalo, isihloko sakho sokuxhalabisa kufuneka sihambelane nomsebenzi wokuxazulula iingxaki. Ingcamango ifanele ibe neyona nto inokwenzeka yokuthengisa imali. Into enhle malunga neemali kukuba zikhululekile kwaye akudingeki ukuba ubuyisele imali kwiRhulumente. Into enhle malunga neemali kukuba zikhululekile kwaye akudingeki ukuba ubuyisele imali kwiRhulumente.
Inkcitho
Yilapho usebenzisa i-intanethi ukuthengisa imbono yakho yebhizinisi. IiSayithi ezinjengokukhawula i-kickstarter kunye ne-indiegogo zibonelela ngeyona ndawo ukuze uthengise ingcamango yakho. Abantu abanentshisekelo baza kunika imali yokuphakamisa inkunzi kuwe, nangona eneemichilo eziqhotyoshelweyo. Imithetho ayikho imali kwimvelo kodwa ingaquka izinto ezifana nokuqinisekisa ukuba ngabokuqala ukuzonwabisa ngemveliso okanye ngenkonzo kwimarike. Enye yezona ndlela ezintle ongayisebenzisa ukuphakamisa inkunzi kwishishini lakho, xa kuthelekiswa nemali-mboleko yebhanki, efuna ukuba uhlawule ixabiso lomyinge.
Ukuqhawula
Ukucinga kwam kukuba kukuba abaninzi bethu besivile ngokuchithwa. Le ndlela yorhwebo apho sitshintshela impahla kwezinye iimpahla. Kuthetha ukuba akukho mali okanye imali echaphazelekayo kwiintengiselwano. Kule meko, ke, unokuba neengcinga zoshishino ezifuna umatshini. Ukuba udibana nomntu onomshini owufunayo, unokubanceda ukuba banike izixhobo ngokutshintshana ngezinto ezahlukeneyo. Iyakusindisa inani elipheleleyo lemali efunekayo ukuqala ishishini lakho.
Oontanga Ukutsalwa Kwontanga
I-Intanethi inikezele iiplatifomu ezingenamkhawulo kulabo abafuna ukuphakamisa inkunzi kumashishini abo . Sineziza ezinjengeenkqubela phambili kunye neengxowa-mali zokubolekisa abadibanisa abantu abafuna iimali-mboleko nabantu abazimisele ukunyusa imali mboleko kubo. Yonke into oyifunayo kukuba ubhalise kulawo masayithi kwaye uchaze ubungakanani boshishini lakho kunye nemali yemboleko oyifunayo. Umlamli uza kujonga ingxelo yengxelo yemboleko kwaye achaze ulwazi ngolwazi lwababoleki abahlukeneyo. Ababolekisi baya kubhenela ngemboleko yakho. Ekugqibeleni, umlamli uya kukhetha umnini-mboleko ngezinga elincinci lomdla kwaye akuncedise ukuba ufumane umboleko owufuna ukuqala ishishini lakho.
Microloans
Ekubeni ukufumana imali mboleko kwiebhanki kuye kwaba yinto ephakamileyo kwizinto ezininzi ngenxa yimiqathango emininzi, ixesha lokuba oomashishini baqalise ukufaka izicelo ze-microloans kwimibutho engasemthethweni, kunye nee-arhente karhulumente ezifana ne-US Small Business Administration. Ezi mboleko zinemiqathango kwaye ubuninzi bube yi $ 50,000 USD. Yintoni eyenza ukuba ezi mboleko zifanele ukuzama ukuba ziza nezindleko zemali ephantsi kakhulu xa ziqhathaniswa nokubolekwa kweebhanki.
Ukuboleka kwe-Intanethi
Njengoko kuchazwe ngaphambili, i-intanethi ithathe ngokupheleleyo umhlaba. Ngaloo ndlela, oosomashishini abaninzi kufuneka basebenze nzima kwaye bazuze kule nto kuba ihamba ngokukhawuleza kwaye ingabizi. Okukufunayo kukungenisa isicelo sakho semali mboleko kwi-intanethi uze uvumele ababolekisi bahlolisise isicelo sakho ngosuku. Uninzi lwexesha, umlando wakho wekhredithi uya kuthathelwa ingqalelo. Xa imboleko ivunyiwe, iya kufakwa ngekhompyutha kwi- akhawunti yakho yasebhankini ngosuku olulandelayo. Imboleko iya kukhawuleza ngokuchithwa kwikhompyutha kwintengiso yakho yemihla ngemihla. Iirhafu zerhafu ezihlawulwe kule mboleko, nangona kunjalo, azikho ziphakamileyo njengalezo zemali mboleko okanye imigangatho yemboleko .
Iinkampani zeMali
Iinkampani zezeMali nazo zikhetho onokuzisebenzisa ukuze uzuze ibhizinisi lakho . Ezi nkampani zikhona ukunika imali encinci kumnini-shishini abancinane . Nangona kunjalo, ezi nkampani zibonelela ngemali mboleko kwizinga eliphezulu. Ngaloo nto, kukulungile ukuba uqaphele xa usayine iikontraka kunye neenkampani ezinjalo. Ukwenza kube nzima nakakhulu, zilawulwa ngokukhululekile.
Isiphelo
Kwihlabathi esiphila kulo namhlanje, ukufumana inkxaso kwi-shishini lakho kufuna ukuba ukhangele ngaphaya kwemithombo yemveli abantu abasetyenziselwa ukuxhomekeka kwixesha elidlulileyo. Kuthetha ukuba inqanaba lobuchule bakho ludinga ukuphelisa bonke abantu. Yiyo eyahlula abantu abaphumelelayo nabangaphumelelanga ebomini. Ukuba unemibono yoshishino ocinga ukuba, xa iphunyezwa, iya kuthatha ihlabathi, ungahlali kuyo. Zama kwaye usebenze nzima ngokusebenzisa okukhethiweyo ngenjongo yokuxhasa imali ukuze ukhiqize imali eyaneleyo ukuze ukwazi ukuseka ubukhosi obomeleleyo. Sebenzisa iindlela ezingasentla nezendlela zokudala ukuphakamisa imali kwaye uqalise iqumrhu lakho loshishino. Nangona kunjalo, khetha indlela efanelekileyo kakhulu ehlangabezana neemfuno zakho.