Indlela yokukhusela iMali-mboleko encinci kwiShishini lakho

4 Imibuzo Okufuneka Uyenze Ukuyiphendula Ngaphambi kokuba ufake isicelo seMali-mboleko encinci

Njengomnini-shishini lomncinci, omnye wemisebenzi enzima kakhulu oya kujongana nawo ufumana imali yokuqhuba ibhizinisi lakho. Ingaba ufuna iimali-mali ukuxhasa imali yakho yokuqalisa okanye utyalo-mali olufunekayo ukuphucula isiseko sakhiwo, uya kufuna ukufumana imali. Kwabaninzi abanini-shishini, umboleko omncinci webhishini lukhetho. Funda oko kufuneka ukwazi ukunyanzela ukuthengiswa kwemali mboleko .

Ukufaka isicelo seMali-mboleko yeNcinci

Amabhanki namanye amaziko okubolekisa amatyala athetha ingozi njengesizathu esona sizathu sokuguqula izicelo ezincinci zemali-mboleko .

Kodwa oko akuthethi ukuba awukwazi ukufumana imvume. Unako ukufumana imali mboleko kwishishini lakho ngokulungiselela kakuhle.

Ingqwalasela ephambili yokufumana imboleko encinci yebhankini yimbali yakho yemali yesikweletu, icebo loshishino, amava, imfundo, kunye nokwenzeka kwoshishini oqalayo okanye ukwandisa. Ngomlando weebhanti ezilungileyo, umsebenzi obaluleke kakhulu ulungiselela isicwangciso soshishino. Isicwangciso sakho seshishini sifuna ukubonisa umboleki-mboleko onikezela ngemboleko encinci yoshishino. Isicwangciso sakho seshishini kufuneka siphendule le mibuzo ngesikhungo esiza kucela, ngoko qwalasela le mibuzo elandelayo.

1. Ufuna Imali Kangakanani?

Ukuba uqala ishishini , impendulo yalo mbuzo oyintloko kufuneka ibandakanywe ubuncinci ekuqikelelweni kwenani-mali lokuqala. Ukuba lakho ibhizinisi elikhoyo, hlalutya ngokucophelela ngemali oyifunayo nokuba kutheni ufuna. Ukuchaneka kubalulekile, ngoko ucele imali eyaneleyo yokutshala ngokuhlakanipha.

2. Yintoni oya kwenza ngayo ngemali?

Uya kufuneka unikezele, ngokucacileyo, ukusetyenziswa kweedola yonke. Imboleko encinci yebusiness idla ngokufunekayo kwiindleko ezifana nokusebenza (abasebenzi abatsha, ukuthengisa, njl.), Ipahla (izixhobo, i-real estate, njl.), Okanye ukuhlanganiswa nokuhlawula amatyala amatyala .

3. Uza kuhlawula nini kwaye uza kubuyisela njani umboleko?

Cacisa ngokucacileyo indlela umboleko omncinci wezo shishino oza kusebenza ngayo njengetye lokunyuka kwi shishini lakho. Uya kuyidinga ukuqinisekisa umbolekisi (kunye neengxelo zakho zezimali kunye neengxelo zokuhamba kwemali ) okwazi ukuzibuyisela ngayo imali mboleko ngokubaluleka kwexesha elide elifanelekileyo kwishishini lakho.

4. Uza kwenza ntoni ukuba awuyi kuhlawulwa?

Njengomnini kumncinci umnini-mveliso, uzakufuna isilinganiselo esithile sokuqina. Yiba nethemba kwaye uziqhenye ngokusebenza kwakho. Vumela ababolekisi ukuba uyazilawula kwaye wazi into enhle kuwe nakwi shishini lakho. Ufuna ukubonakalisa ubuntu obumiselweyo ngokubonisa ukuzithemba kwakho ukuba uya kuvunywa, nangona kufuneka ufike kwelinye ibolekisi ukugcina imali oyifunayo ukuze uqhube ibhizinisi lakho.

Qonda ukuba amaziko okuboleka afuna ukuboleka imali. Kodwa ukuba awufumani enye, ungadikibala. Buza umnini-mboleko ukuba kutheni ungayifumani imboleko encinci yoshishino. Funda kwimpendulo, qhubeka, kwaye uzame ezinye kwakhona.

I-Naurys Marte yakhonza njengomNxibelelwano wokuThengisa iMali ye -Women's Venture Fund, eyincedo kubasetyhini abasemashishini abafuna imali kunye noqeqesho ukuze bandise amathuba abo kwiinkampani zaseNew York okanye zaseNew Jersey. Ukuze ufunde kabanzi malunga ne-Women's Venture Fund, tyelela iwebsite yabo kwi-www.womensventurefund.org.