Iinkampani zikarhulumente ezininzi ziquka iMithombo kunye nokuSebenza kweNgxowa-mali kwiingxelo zabo zonyaka, kodwa kwanamashishini amancinci angakwazi ukufumana imithombo kwaye asetyenzise ingxelo encedo. Iphepha lokusebenzela elixutyushwa apha yinguqulo elula, eyahlukileyo ongayisebenzisa ukubonisa umboleki imali enokuyidinga ngayo ukuqalisa ukuxhaswa kwemali kwaye uza kuba negalelo elingakanani.
Ababolekisi bafana neSource and Statements statement kuba sisishwankathelo esihle sesicwangciso sakho semali, kubonisa apho imali oyifunayo ivela kuyo kwaye iya kusetyenziselwa ntoni.
Ukubeka ndawonye Imithombo kunye neZisetyenziso zokuSebenza kuyindlela efanelekileyo yokuzicwangcisa kwiindlela zokudala zokuqalisa ukuqalisa okanye ukunyusa.
Imithombo kunye nokuSebenza kweNgxowa-mali
Njengoko unokukuxelela ukususela kwisihloko sayo, iMithombo, kunye neNkqubo yeeNgxowa-mali zibonisa umfundi ulwazi olufunekayo ukuze afumane "umfanekiso omkhulu" we:
- Ukusetyenziswa kweeNgxowa-mali: Imali efunekayo kwiinjongo ezahlukeneyo zokuqalisa ukuqala, kuquka ukuqala kwempahla, izixhobo, kunye nefenitshala kwakudingeka ukuthengwa kwesakhiwo / umhlaba okanye iindleko zeefomethi zerenti, kunye nezinye iindleko zokuqalisa. Ukuba ishishini lakho liqwalasela ukwanda, "inxaxheba" inxalenye yesitatimenti iya kubonisa ukwakhiwa okanye ukuphuculwa okuya kuyidinga, kunye neempahla ezinkulu ezongezelelweyo ozakufuna ukuzithenga.
- Imithombo yeeNgxowa: apho imali yonke imali iza kuvela khona. Uza kuba nomxube wemali eyahlukileyo kwiindawo ezahlukeneyo zesicwangciso sakho. Ngokomzekelo, unokuba negalelo lefenitshala yeofisi ngokwakho, ufumana imali-mboleko yokuthenga izixhobo eziphambili, kwaye ufumana umgca wekhredithi kwi-capital work.
Amanyathelo ekwakheni iMithombo kunye nokuSebenza kweNgxowa-mali
Ifomathi yeMithombo kunye neSebenzi yombhalo ibonakala ebuyela emuva - okokuqala, ukusetyenziswa kwemali kuchazwa, ngoko imithombo, ngokungathi uthetha nomboleki malunga nezicwangciso zakho.
- Icandelo lokuqala "Ukusetyenziswa kweeNgxowa". Kule candelo, sebenzisa iicandelo ngalinye kwicandelo lakho lokusebenzela iindleko zokuqalisa : Izixhobo, izixhobo kunye nezithuthi, iiNkonzo kunye nokuThengiswa kunye nezinye iindleko zokuqalisa . Zizonke ezi manani.
- Kwisigaba se-Uses yeFund, zibandakanya ukuqikelelwa kweemfuno zakho zeNtsebenzo-mali- oko kukuthi, inani lemali oyifunayo ukuba uhlawule iindleko ngelixa usungula ishishini lakho.
- Ixabiso leemali zokuqalisa kunye neemfuno zentengo yokusebenza yi-Uses of Total Funds.
- KwiCandelo leMithombo yeNgxowa-mali, dwelisa yonke imithombo yemali onokuzibonela ngayo, njengokuba ubambelele kwimali-mboleko oyifunayo. Oku kungabandakanya ukulinganisa kwindlu yakho, i-akhawunti yokulondoloza, okanye i-IRA (akudingeki uyifumane imali, vele uzimisele ukuvumela ibhanki ukuba ithathe ukuba awukwazi ukuhlawula ngemboleko yakho).
- Umahluko phakathi kweeNtsebenziswano zeeNgxowa-mali ukusuka kwinqanaba elinye kunye neentlawulo ezipheleleyo ezibonelela ngokulinganayo inani lemali efunekayo.
Umzekelo weMithombo kunye nokuSebenza kweNgxowa-mali
Ukusetyenziswa kweeNgxowa:
Iindleko zeeNkonzo ziyi-120,000 zamawaka
Izixhobo kunye Nezithuthi ezingama-325,000
Ukubonelela nokupapasha i-49,000 $
Ezinye iindleko zokuqalisa i-$ 13,000
Iindleko zokuQala ukuPhumela i-$ 507,000
I-Capital Capital ifuna i-$ 100,000
Ukusetyenziswa kweeNgxowa-mali ezingama-607,000
Imithombo yeeNgxowa:
Ubunikazi bomnini:
IRA $ 50,000
I-Owner Savings $ 10,000
Ekhaya Imali eyi-30,000
Iingqekithi ezingama-90,000 zamaRandi
Iyonke iyimali eyi-517,000 yeeMali
Imithombo yonke yeCash $ 607,000
Le nkcazo ayifanele ibe nzima; kuthethwa nje ukubonisa umboleki imali enokuyidinga ukuxhasa ngemali, into enayo kunye nexabiso lemali-mboleko oyifunayo. Kwezinye iimeko, ungeke ubeke imali kuloo shishini (ukuba unayo i-IRA, umzekelo); Uvele ubonisa ibhanki into onokuyenza xa unenkathazo ngemboleko.
Ukudala Imithombo Yakho kunye nokuSebenza kweNgxowa-mali
Njengoko usebenza ekubambeni le nkcazo, unokufuna ukudala ukufumana imithombo engaphezulu yemali. Ngokomzekelo, unokwenza umkhankaso wesikhalazo (njengeKickstarter) kwimveliso emitsha, okanye ufumane isiqinisekiso somboleko se-SBA ukukunceda ukhusele loo mboleko.
Ungakulibali ukuquka iindleko zokufumana le mithombo yemali ekusebenziseni kwecandelo leemali.
Yiba nechanekileyo kwaye igqibelele njengoko unakho xa ulungiselela isigaba sakho se-Uses of Funds.
Ukushiya akukho mbuzo ongaphenduliweyo. Ababoleki abayithandi imimangaliso.