Amanyathelo amashishini amancinci kufuneka athathe umyalelo wokufaka isicelo sokuboleka imali
Ukuze ishishini elincinci liphume emhlabathini, okanye ligcine enye isebenzayo, kufuneka libe ne-finance edlalwa ngemali mboleko . Enye ifom yeenkxaso-mali zincinci zorhwebo . Amashishini amancinci angafaka izicelo kwiibhanki okanye nakwamanye amaziko emali, njengemanyano yamatyala, kwiimali-mboleko zorhwebo. Ngokuqhelekileyo, iibhanki azenzi iimali-mboleko zokuqalisa, kodwa zenza iimboleko kumashishini aqhubekekayo. Lawa ngamanyathelo aphezulu omele uwalandele ngenkqubo yokufaka isicelo semboleko.
01 - Isizathu kunye neNani leMali-mboleko yeMashishini
02 - Jonga i-Local SCORE YAKHO kunye nee-SBDC Iiofisi
Ngokukodwa xa ishishini lakho liqala, unokufuna ukufumana iingcebiso kunye nokuncediswa kubaphathi abanamava. Ukuba unesahluko se-SCORE kwindawo yakho, ziyimithombo enhle kunye nekhululekile yeengcebiso kunye noncedo. I-SCORE ayiyona inzuzo, iqela levolontiya labaphathi bezo shishino. Ukuba awunayo isahluko sendawo, unokufumana iingcebiso kwi-intanethi kunye nokucebisa nge-intanethi. Unokuba nesahluko sendawo yeSiko loPhuhliso lweZincinci (iSBDC), ngokukodwa ukuba unesiyunivesithi esiseduze. I-SBDC inxalenye ye- Small Business Administration (SBA) kwaye ikhona ukunceda amashishini amancinci akhona kunye amasha . Kuya kunceda abanikazi bamashishini abancinci ngenkqubo yokwenza isicelo semboleko encinci yoshishino.
03 - Hlaziya umlando wakho weNkcazo kunye neCredit Score
Ukuba ishishini lakho liqala ukuqala okanye ungaphantsi kweminyaka emithathu ubudala, imbali yakho yemboleko yemali iya kuhlolwa kunye nembali yakho yekhredithi yebhanki . Ngaphambi kokuba ufake isicelo semboleko encinci yebhankini, thabatha ixesha lokufumana imbali yakho yemboleko yemboleko. Cela ingxelo yakho yekredenti kwi -arhente enkulu yokunika ingxelo ngekhredithi . Ukuphonononga ezi ngxelo zetyala . Ukuba ubona naziphi na iimpazamo kwiingxelo zeentengo zemboleko, bhala i-ejenti ileta kunye neenkcukacha ngephutha uze ucele ukuba lizinze. Ukuba kukho impazamo apho i-arhente ayiyi kukulungisa, faka ingxelo yengxabano yengxowa. Hlola kumanqaku akho ekhredithi. Amanqaku okuthenga ngetyala malunga ne-700 ayenzi kakuhle kwaye ngokunyanisekileyo akwandisa ithuba lakho lokuvunywa kwemboleko.
04 - Qala ukuHlola iindlela zakho zokuboleka
Khangela kwiibhanki zorhwebo ezifumanekayo kuwe. Musa ukuya kwiibhanki ezinkulu zorhwebo. Unokuba nethuba elingcono lomboleko kwiibhanki zorhwebo zincinci. Amanye amaziko angewona asebhanki angakhetha ukuba anyuke njengamanyano enkredithi . Ukuba uyilungu lemanyano yesikraka sendawo, xelela igosa le mboleko apho malunga nemfuno yakho yemboleko encinci yoshishino. Ukuba benza iimali-mboleko ezinje, bathathe i-loan loan apho. Kukho ezinye iinketho ezifana nemali-mboleko yemali-mboleko eyenza ukubolekwa kwemali mboleko kwi-startups. Ukuba umntu obolekayo ekuguqula, omnye unokuthi u-ewe kwisicelo esifanayo semboleko ukuze uqhubeke uzama.
05 - Lungiselela iSicwangciso Soshishino Sakho
Oku kusenokuba isinyathelo sakho esibalulekileyo. Ukuze ufumane imboleko encinci yoshishino malunga naliphi na umboleki, kufuneka ulungiselele isicwangciso soshishino esihle. Enyanisweni, de kube yiplani yeshishini elihle, amathuba awunakukwazi nokuba ungakanani imali oyidingayo okanye ukuba ungayihlawula ngokukhawuleza kangakanani. Isicwangciso soshishino songeza kwimeko yesicelo semboleko efunwa liziko lemali. Izicwangciso zoshishino zibandakanya iinxalenye ezininzi. Isicwangciso esihle soshishino siya kuba neminyaka emininzi yeenkcazo zemali esedlulileyo kunye neprojekthi kweshishini lakho. Kuya kubandakanya inkcazo yokubambisa okanye uhlobo kunye nexabiso lempahla oyisebenzisayo ukukhusela mboleko. Uya kuyidinga ukubandakanya uhlalutyo lweemarike ishishini lakho liya kusebenza kunye nesitatimenti samava akho.
06 - Cwangcisa i-Presentation kwaye Yenze ukhetho
Ukuze igosa lemboleko kwiziko lakho lezemali linike isicelo sakho semboleko encinci yebhankini iteksi yesibini, kufuneka uyenze. Lungiselela inkcazo yesicwangciso sakho seshishini kunye nesicelo sakho segosa le mboleko. Beka ndawonye ipakethe yokuqeqeshelwa ukunikezela ngegosa lakho lemboleko kunye neengxelo kunye nazo nayiphi na iingxelo zemali, iipredishithi, iitshathi kunye negrafu eziyimfuneko. Qiniseka kwaye ufake iSishwankathelo seSigqeba. Amagosa amaninzi emboleko afunda iSishwankathelo seSigqeba sokuqala kwaye anqume ukuba ngaba unomdla ngokusekelwe kulo. Yenza isigqibo kunye negosa lakho lemali-mboleko kwaye ucele ixesha elaneleyo lokwenza intetho emfutshane, kunye nezixhobo ezibonakalayo, ngokusekelwe kwisicwangciso sakho seshishini. Mfutshane, ulandelelana, kwaye ulungelelanise.