Iingcebiso zokukunceda ufumane ukuqaliswa kweMali yeShishini lakho elincinci
Amashishini okuqala ahlala nexesha elinzima ekufumaneni imithombo yokuxhaswa kwezezimali zokuqala kwiimfuno zabo zokuqala zezimali. Ngokuqhelekileyo akunakwenzeka ukufumana iimali-mboleko zebhanki kuba iibhanki zingenomdla kumashishini angaqinisekanga. Ngona isicwangciso soshishino esingcono kakhulu, kwilizwe lezoshishino kunye nezemali, awukwazi ukukhokelela ibhanki ukuba ubolekise nayiphi na imali esweleke kakhulu efumanekayo kwingxowa-mali yokuqalisa ukuxhaswa kwishishini elitsha.
Kukhona imali ekhoyo kulabo baqala ishishini. Umele wazi apho ukhangele khona kwaye ucinge ngokucwangcisekileyo kunye nobuchule. Nazi ezinye ezithandathu ezivela kwimithombo yokuxhaswa ngokutsha kwebhizinisi lakho elitsha. Ngokuqhelekileyo iinjongo ezilungileyo ukuzama ukusebenzisa ukudibanisa ezimbini, nokuba zintathu, okanye le mithombo ukufumana ukuxhaswa kwemali oyifunayo kwishishini lakho elitsha.
Njengoko kunzima, kubonakala ukuba ukuqhuba ibhizinisi lakho lokuqalisa kusenokuba yindlela ehamba phambili yokuhamba. Ukuba ufumene indlela yokuxhasa ngayo ishishini lakho, akufanele uphendule nawuphi na umtyalo-mali kwaye unokulawula ngokupheleleyo ishishini lakho. I-Bootstrapping idinga ukucinga okucwangcisekileyo kunye nokucwangcisa.
Ukukhulisa imali ngokwakho kunokubandakanya ukufungisa impahla yakho. Ekubeni i-asethi enkulu kunazo zonke abantu abanayo ikhaya labo, unokuzifumanisa kwindawo yokuthatha imali yemali mboleko kwikhaya lakho. Ufuna nje ukwenza oku ukuba unesicwangciso seshishini se-iron-clad njengoko uthembisa ikhaya lakho akuyinto emele yenziwe ngokungaqhelekanga.
Ukususela ekuhlaleni kwemali, iibhanki azikwenzi imali ezininzi zemali-mboleko zekhaya kwaye zihlala zenza i-80% yexabiso lekhaya lakho, ukuba oko. Kufuneka ube nerekhodi yekhredithi yomntu ongenasiphelo ukuze ufaneleke.
Into enhle malunga nokuxhaswa kwebhizinisi lakho lokuqalisa ngokuncediswa kwintsapho kunye nabahlobo kukuba unako ukufumana imirhumo efanelekileyo yokubuyisela.
Oku kubalulekile kwiminyaka yokuqala yoshishini lakho elitsha. Bangakunika inzala ephantsi kunye nexesha elide lokuzibuyisela. Ngakolunye uhlangothi, banokufuna isigxina kwiqumrhu lakho ukuba uyavuma.
Enye ingxaki kukuba ngamaxesha obunzima bezoqoqosho, iintsapho kunye nabahlobo abanakho ukufikelela kwiinkunzi ezingenakukwazi ukufikelela kuzo.
Le yenkqubo ebolekayo yokubolekisa amabhizinisi. I- Small Business Administration (SBA) ayenzi iimali-mboleko kumashishini okuqala kodwa ziqinisekise ukuba inxalenye yeebhanki zokuqalisa iimali zifaka izicelo ngeebhanki, iinkampani zomshuwalense kunye nemali yomhlalaphantsi. Oku kwenza kube lula ukuqala ukukhutshwa kwemali mboleko yebhanki xa kunjalo iibhanki zingenakukulungele ukubolekisa imali.
Amabhanki asebeqaphele ngokwenza imali-mboleko ekuqalekeni ngenxa yokuba inxalenye engaqinisekisiwe yemali-mboleko isabakho uxanduva lokuqokelela. Isiqinisekiso sokubolekisa ngemali sikwenza iimali-mboleko zoshishino zokuqalisa. Yilungiselele ezininzi zephepha kwaye ungadikibala ngenxa yamaphepha okanye ulinde ixesha elide. I-SBA imane ikhulisa nje ukufumaneka kwetyala kwiifemu ezincinane zokuqalisa.
Izibonelelo zoPhando lweeNzululwazi ezincinane (SBIR) kunye neNkxaso-mali yokuThuthukiswa kweTeknoloji yeShishini elincinci (SBTT) ziyimithombo emangalisayo yokuxhaswa kwemali kwishishini lakho elincinci ukuba unako ukufaneleka.
Ama-arhente anesigqeba ashumi elinanye anikezela ngemali eninzi minyaka yonke ukuya kwizintlu ezincinane zokuqalisa ishishini ezineengcamango ezintsha ngokuhambelana nemisebenzi yazo. Imizekelo yee-arhente ezinika izibonelelo ze-SBIR yiSebe lezoLimo, uMandla kunye noKhuseleko kunye nabanye abathathu.
Izibonelelo zeSigaba 1 zijoliswe ekuxhaseni uphando lweemarike kumanyathelo okuqala kweshishini lokuqalisa. Izibonelelo zeSigaba sesi-2 zifuna isicwangciso soshishino esaphuhlise kakuhle kakhulu ekugqibeleni ukuba uphando lwakho luya kufikelela njani kwimveliso ehlawulelwayo, kodwa imali yesibonelelo enkulu xa ungayifumana.
Izibonelelo ze-SBTT zinomgaqo ofanayo weSigaba 1 kunye neSigaba sesi-2 senkonzo. Amaziko amashishini amahlanu kuphela anika izibonelelo ze-SBTT. Ukuze ufanele ukufumana isibonelelo se-SBTT, kufuneka uhlangane kunye nolu hlobo lwenhlangano engenzi nzuzo , njengenyuvesi. Inkqubo yesicelo ikhuphisana kakhulu, kodwa ungakuvumeli oko kukumise.
Ukuba unengcamango efanelekileyo, ezi zibonelelo zifanelekile ukusukela. Khangela indawo karhulumente ngezibonelelo rhoqo. Kwakhona, khangela, umzekelo, umhla we-2010 wokucela izicelo zezibonelelo ze-SBIR. Uza kubona ezinye zeengcamango zabo ezicela izicelo zezibonelelo.
Iingceli-ntengiso ziselosi zibonelela nge-start-up okanye i-second-tier finance yamashishini amancinci. Ingelosi yokutshala imali iyancipha ngexesha lokunciphisa ngokwemali kodwa yenza ukubuyela. Ingxowa-mali isithunywa sibhekiselele kwisenzo sokuhlaziywa kwemali esicatshungulwayo kwiNdlu nakwiSenethi kwaye ingatshintshisa isikhokelo.
Ingelosi yokutshala imali luhlobo lwezimali zokulingana . Ngokubuyisela umntu otyalomali kwinkampani yakho, unike loo mtyali-mali ipesenti yobunini kwinkampani yakho. Iingelosi abatyala imali abenzi i- investments enkulu ngokwenene ukuze ipesenti yabo yobunini ingabi mkhulu. Ngokuqhelekileyo, nangona kunjalo, isithunywa sotyalo-mali sinomdla wokuba negalelo ekuqhubekeni kwenkampani. Wena, njengomnini-mncinci womnini-shishini wokuqalisa, unokuhlala ufumana inzuzo kwizakhono zithunywa-mali.
Iingelosi zimatyala zihlala zibonisa iimpawu ezithile oza kuzibona ngazo. Kukho imithombo jikelele apho unokukwazi ukufumana isithunywa sotyalo-mali ukuncedisa ngemali yakho yokuqalisa kunye nemithombo ethile yenkxaso yezithunywa zelosi.
Ekubeni iRest Recession, umthetho omtsha wokulungiswa kwemali uye waziswa kwiCongress. Enye yamalungiselelo anokwenzeka kukuba "abaphathi-mali bezithunywa-mvume ezigunyazisiweyo" baya kufuneka ukuba babe nexabiso elininzi kunokuba bafunwa ngoku. Enye ilungiselelo kukuba kuya kufuneka kubekho ixesha lokulindela apho imali evela kubatyalo-mali bezithunywa-ntloko ziza kubanjwa ngexesha elithile. Oku kuya kubangela ukuba i-startups kufuneka ilinde ukwenza amashishini abo.
- Bootstrapping
- Ukuxhaswa ngezimali kunye noNcedo lweNtsapho kunye nabahlobo
- Ulawulo lweZimashishini ezincinane 7 (a) Imali
I-SBIR kunye ne-SBTT karhulumente
Ngaphezulu kweli lizwi lokuba utyalo lwabatyalomali luye lwahla ngexesha loKhuseleko oluMkhulu kwaye kukho iireyali ezimbalwa zokutsalwa kwezithunywa zeendleko zokuthengisa. Kukho, ngokucacileyo, abatshali bezithunywa zezulu abangaphantsi. Ukukhathazeka kukuba imimiselo yesikhokelo sokuhlaziywa kwemali iya kubangela ukuba kubekho ootyalo-mali abambalwa kwiimarike. Nceda uqaphele ukuba ibhilikhi yokuhlaziywa kwemali ayikho kwifom yokugqibela ngexesha lokubhalwa kweli nqaku.
Amashishini Amashishini Otyalo-mali
Inkqubo Yenkampani Yophuhliso Lwezolimo Zincinci yenzelwe ukubonelela ngexabiso elincinci kumashishini amancinci. Ziyimfihlo, iinkampani zokutshala-mali ezifuna inzuzo ezigunyazisiweyo kwaye zilawulwa yi-Small Business Administration (SBA). Ziyimvelaphi ephezulu kakhulu yobulungisa kumashishini amancinci. I-SBIC inikezela uluhlu lweenkampani zotyalo-mali ezithatha inxaxheba kwiprojekthi yamancinci amancinci.