Kuphi Ukufumana Imali Ukuqalisa Ibhishini
1) Iipokotshi zakho.
Oku kunokuba kukukhathazayo ekuqaleni, kodwa ngumthombo ogqithiseleyo wemali ukuqala ishishini . Awunayo iqanda lembande? Abantu abaninzi bafumana imali yokuqalisa abayifunayo ngokufaka imali okanye ukudiliza amakhaya abo, okanye ukuthengisa impahla okanye impahla - nokuba nabo baphumelela ekufumaneni imboleko yemveliso yeqalo.
Amaziko okuboleka kunye nabatyalomali ngokuqhelekileyo balindele ukuba umntu aqalise ishishini ukuba enze ukuzibophelela ngokwezimali.
2) Usapho kunye nabahlobo.
Umthombo wesibini ogqithwayo kakhulu ukuqala ishishini yintsapho kunye nabahlobo abahlala bekulungele ukubonelela ngemboleko yokuqalisa okanye ngamanye amaxesha benze isipho esicacileyo ukukunceda ukuba ufumene ishishini lakho elitsha. Emva koko, basenokuba sele "bathengiswa ngaphambili" kwixabiso lebango lakho lebhizinisi kwinqanaba elithile lokuba ngabantu abafuna okulungileyo kuwe.
3) Umgca wekhredithi.
Nangona kungenakunyuswa njengomthombo wodwa wemali yokuqalisa, umgca wekhredithi ubalulekile kwisigaba sokuqalisa. Kungakhathaliseki ukuba unononophelo olunzulu kunye neenkcukacha ozilungiseleleyo ekucwangciseni isicwangciso sakho sezoshishino , kukho iindleko zakho ezingalindelekanga kunye neendleko ozibeka phantsi.
Ngethemba, sele usulungiselele indlela yokufikelela kule mithombo yemali ngaphambi kokuba ugqibe ekubeni uqalise ishishini ngokuseka ubuhlobo kunye nomphathi wakho webhanki wendawo kunye nokuqinisekisa ukuba ukulinganiswa kwekhredithi yakho kusemgangathweni.
Akukho bhanki eya kunika umgca wesikweletu kumntu ongaziwa kubo, ngakumbi ukuba loo mntu akanalo isiseko semali esekelwe.
4) Imboleko yemicimbi yebhanki.
Ndisebenzisa igama elithi "ibhanki" ukubhekisela kwiziko lemali-mboleko zemveli ezifana neebhanki kunye neeNkonyunithi zeMatyala. Enyanisweni kulula kunanini ngaphambili ukufumana mboleko yoshishino kule mithombo yemveli, njengabantu abaninzi kunokuba baye baphumelela ngokuqala amashishini amancinci kunye neebhanki ezinkulu banomdla omkhulu kumashishini amancinci kunokuba ayedla.
Oko kwathiwa, awukwazi ukuhamba nje, xelela umphathi-mboleko imali eninzi oyifunayo, kwaye ulindele ukuhamba nayo. Ukusebenzisa nayiphi na imali mboleko yeshishini yinkqubo ofuneka ukuyilungiselela. Bona indlela yokufumana iMali-mboleko encinci ukuze ufunde indlela yokwenza umbukiso wemboleko kunye nokufumana ishishini iqalise imali oyifunayo.
Ungalibali i-BDC (iBhanki yoPhuhliso lwezeNtengiso yaseCanada). Inkxaso yezoshishino yile shishini kwaye i-BDC inikezela ngemali-mboleko yezo shishino ekuqaliseni amashishini ukuba atyalole kuyo:
- Imali yokusebenza ukuxhasa umgca we-credit
- Izinto ezimile
- Iimali zokuthengisa kunye neemali zokuqala
- Ukuthengwa kwemali
- Iinkonzo zokubonisana
5) Imboleko yoshishino kwiinkampani ezixhaswe ngezoshishino okanye ezikarhulumente.
Kukho imibutho enenjongo ekukhuthazeni uphuhliso loqoqosho okanye ukubonelela ngoncedo ekuncedeni iintlobo ezithile zabantu abaphumelela kwishishini. Ngokuqhelekileyo (kodwa kungekho rhoqo) olu luncedo lubandakanya inkxaso yezemali, njengemali-mboleko yokuqalisa. Ngokomzekelo, i-Futurpreneur Canada yinhlangano engenzi nzuzo ebonelela ngezimali kunye nenkxaso yabanini-mveliso abaselula abaneminyaka eli-18 ukuya ku-39. Ukuba ungena kuloo nyaka, funda uQeqesho lweNkxaso yoNcedo lwabaShishini abaselula eCanada .
Ininzi yamabhinqa kunye nemibutho karhulumente inika inkxaso ngoncedo lwezemali kubandakanywa nemali yokuqalisa kubasetyhini kwishishini .
Kukho imibutho yophuhliso lwezoqoqosho kwiindawo zonke kwiphondo nakwintsimi ukubonelela ngenkxaso kunye neenkonzo kubasomashishini , kubandakanywa uncedo lwemali. Ngokomzekelo, e-Ontario, i-Community Futures Development Corporations (i-CFDCs) isebenza kwiindawo ezikhethiweyo zasemaphandleni naseNyakatho ye-Ontario, ngelixa i-Corporations Development Business Corporations (ii-CBDC) zikhonza e-Atlantic Canada.
Inkqubo yeNkxaso-mali yeCanada eNcinci (CSBFP) inikezela ngemali-mboleko yexesha elide ukuya kwi-$ 1 yezigidi ukuxhasa iimali zemali ezixhaswe ngemali-mboleko yoshishino eyenziwe ngqo ngumboneleli ofanelekileyo (njengebhanki echanekileyo, i-Caisse Populaire, okanye inyunyana yekhredithi).
Fumana abanye abangabakhokhisayo abanokubakho kule mibandela:
Iindawo ezili-10 zokufumana Imali-mboleko yeNcinci kwiShishini lakho elincinane laseKhanada
Imithombo yeMali-mboleko eMancinci yokuQala iBusiness Canada
6) Ukuthatha inxaxheba kwiprogram yokuqalisa ibhizinisi exhaswe nguRhulumente.
Ukuba ufanelekile, le yindlela efanelekileyo yokuqala ishishini. Iinkqubo ezifana ne-Self-Employment Programme (i-Individual Employment Insurance individuals) kunye neProgram yeCommunity ConneXion ye-Young Entrepreneurs (kubasomashishini abaselula e-Atlantican Canada) kuphela ekunikeni imali yokuqalisa ishishini kodwa uncedo oluxabisekileyo, olunjengokucebisa kunye nokunceda phuhlisa isicwangciso sakho seshishini . Ezi zimbini iinkqubo zokuqala zokuqala; kukho abanye.
7) Ukufumana abatyalo-mali .
Iingxowa-mali zengelosi , abaxhasi-mali , okanye ababolekisi ngabangasese bonke bangaba yimithombo engundoqo yemali kwishishini lakho elitsha . Nangona kunjalo kunzima kakhulu kwiimeko ezininzi ukutsala abatyali-mali ukuba baqale ekuqaleni kunokuba baqeshwe, akunakwenzeka ukuba unayo ingcamango yoshishino elungileyo ngexesha elifanelekileyo elixhaswe ngesicwangciso soshishino esichukumisayo. Khangela Lungiselela iSicwangciso soShishino esilungele ukuTyala imali ngokubanzi ngokucwangcisa isicwangciso sakho sezoshishino ukugxininisa abanokutshala imali.
8) Iinkqubo zenkxaso karhulumente.
Nangona oku kudla ngokuba ngumthombo omkhulu wemali ukuqala ishishini, akunjalo, ngenxa yokuba abaninzi abantu baqala ukufumana abafanelekanga njengokuba uza kubona kwiNyaniso malunga neZibonelelo zeShishini ezincinane eCanada . Nangona kukho igranti zorhulumente ezikhoyo, ukufumana enye enokunika imali yokuqala kweshishini lakho elitsha liza kuba yinkampani ngokwayo (mhlawumbi kutheni kukho iinkampani ezininzi apho zibonelela ngeenkonzo zokufumana izibonelelo).
Abo bacwangcisa ukuqala "ishishini elifanelekileyo" baya kuba nexesha elilula ukufumana iinkqubo zegranti zikaRhulumente ezingabonelela ngemali efunekayo. Ngokomzekelo, ukuvelisa amandla, amandla avuselelweyo yinto ephambili kwi-federal government, ngoko ke amashishini anxulumene neCogeneration (ukusebenzisa i-fuel enye ngexesha elifanayo ukuvelisa ukushisa nombane) okanye ubuchwepheshe bovuselelo bamandla buya kufumana amathuba amaninzi karhulumente kunabanye. Ukuba unomdla ekuphishekeleni isibonelelo ukuze ufumane imali oyifunayo ukuqala ishishini lakho, amacebiso ama-5 okufumana iZibonelelo zeShishini ezincinci kunokukunceda unciphise uphando lwakho.
Yiyiphi Umthombo Woshishino Ukuqalisa Imali Yilungele Wena?
Mhlawumbi, njengabantu abaninzi abaye baqala amashishini phambi kwakho, uya kudibanisa imithombo yemali ukufumana imali oyifunayo ukuphuhlisa ishishini lakho. Usenokufuna ukuphonononga zonke izixhobo ezibhalwe ngasentla.
Nantoni na enikwenzayo, kunjalo, akuxhomekeke kumakhadi akho ekwereta kwi-business start-up money oyifunayo. Kungcono ukulinda ukuqala ishishini lakho de ube neengxowa-mali ozifunayo endaweni kunokukhubaza ibhizinisi lakho elitsha kwaye mhlawumbi ungonakalisa ukulinganiswa kwesikweletu sakho .