Iingcebiso zoPhuculo lweMali-mboleko ephumelelayo kwiLender
Imboleko yezo shishino yile mboleko ephezulu kakhulu, kuba ishishini liyimveliso ebungozi. Ukubolekwa kwemali mboleko kusemngciphekweni omkhulu; I-Small Business Administration (SBA) ithi i-50% yamashishini amancinci aphumelelanga kwiminyaka emihlanu yokuqala.
Kodwa ishishini elincinci linokunyusa ukwanda kweengxaki zempumelelo ngokukhumbula ezi zinto:
- Okokuqala, ulwazi olunikezela kumboleki, kwaye
- Okwesibini, indlela ohambisa ngayo ulwazi.
Kufakwe kule nqaku ingxoxo malunga nokwenza isiluleko somboleko-mboleko kumashishini. Ulwazi olunikezelayo kufuneka lube kwifom yesicwangciso esisemthethweni seshishini. Ezi ngcebiso zicinga ukuba sele usilungiselele isicwangciso so shishino kwaye siphelele, sichanekile kwaye sigqibe.
Ezinye iingcebiso ngaphambi, ngexesha, nangemva kwenkcazo:
Yenza idinga.
Ababoleki, njengathi sonke, banomatasa abantu. Ukuba ufuna ukunyusa umboleki-mboleko, biza phambili kwaye wenze ixesha lokumisela ixesha elithile. Buza ukuba inkampani iboleka ngoku, kwaye unike ingxelo emfutshane-okanye ibini yesigwebo seshishini lakho nokuba kutheni ufuna imali (ngamanye amaxesha oku kubizwa ngokuba "inkulumo yokuphakamisa."
Ukuthetha ngefowuni kuya kukulondoloza ixesha xa umboleki-mali engenomdla, kodwa khumbula oku kubeni, iibhanki, iimanyano zeentengo zemali kunye nabanye ababolekisi bamashishini benza imali yabo.
Ukugqithisa.
Kwimeko apho ungaqinisekanga ukuba ugqoke ngayo, kukusoloko kukulungele ukuba ugqoke ngokugqithiseleyo kunokuba ugqoke ngaphantsi. Ukuba ufuna isiluleko sakho sokubolekwa kwemali mboleko sithathwe ngokungathí sina, gqoka njengawe.
Qonda ukuba ngubani umboleki owufunayo.
Kuye kwathiwa ukuba ababolekisi banikele imali kubantu abangenayo.
Kule mihla yezemali enzima, yinyani ngakumbi. Umboleki ufuna ukwazi izinto ezimbini kuphela:
- Ufuna kangakanani?
- Uyakwazi njani ukuyihlawula?
Impendulo yombuzo wokuqala iboniswe kwisicwangciso sezo shishino kunye nezipredishithi zemali oza kubonisa. Uzakufuna iphepha lokulinganisela, isitatimende senzuzo esicetywayo (P & L), ukuhlaziywa kwe-break-even, kwaye mhlawumbi imithombo kunye nokusetyenziswa kwemali yemali ukubonisa apho imali iza kuvela khona nalapho iya kuchitha khona.
Impendulo yombuzo wesibini ingaphuhliswa njengoko uthetha kumboleki. Yiba nokuqonda "i-4 C's credit" kunye naluphi uhlobo lwekhredithi obolekayo. Ngokomzekelo, kunokwenzeka ukuba kuya kufuneka ukuba unikezele isiqinisekiso somntu siqu kuloo mboleko yezoshishino-into eqhelekileyo yokuqalisa. Ukuba unemiqulu yokuqinisekisa eyakho, iya kukwandisa ukuthembeka kwakho kunye nethuba lokufumana loo mboleko.
Yilungiselele ngolwazi.
Nika zonke iinkcukacha ezifunekayo kumboleki ukuba enze isigqibo. Oku kubandakanya ulwazi lomntu siqu kunye nawe nawuphi na ongabhaliselana nabo , ukongeza kwisicwangciso soshishino kunye namaxwebhu emali . Kufuneka uzise ingxelo yakho yemali .
Ukuba ucinga ukuba kukho imicimbi kunye nekhredithi yakho, jonga amanqaku akho okwekhredithi kwaye ufumane ingxelo yeengxelo zemboleko.
Ukuba unempahla ofuna ukuyisebenzisa njengobuncwane, faka ulwazi ngalezo zixhobo. Ufuna ukukwazi ukuphendula imibuzo emibili engaphezulu, njengokuba kunokwenzeka.
Mfutshane.
Khumbula izinto ezimbini umboleki ufuna ukwazi (jonga ngasentla). Ukuthetha ngazo zonke iinkalo ezimangalisayo zoshishino lakho nendlela ofumene ngayo imbono yoshishino kuthatha ixesha kwaye ayiphenduli le mibuzo.
Indlela efanelekileyo yokumfutshane nokugqiba ukufumana isishwankathelo esiphezulu sesicwangciso sakho seshishini esifumaneka kumboleki. Faka iigrafu ezichanekileyo okanye iitshathi ukubonisa ukulinganiswa kwemali oyilungiselele.
Cwangcisa oko uza kuthetha.
Unako okanye ungenakufumana ithuba lokuthetha okuninzi, ngoko-ke sebenze kwindlela yepiramidi engenakuphikiswa ngayo amaphephandaba: Qalisa ngolwazi olubaluleke kakhulu, ukuphendula imibuzo eyintloko.
Emva koko, ukuba unayo ixesha kunye nomthengisi ubonakala unomdla, khulisa ngakumbi nge shishini lakho nento othemba ukuyifumana.
Sebenzisa umboniso omnye wokuboleka imali ukuze wenze olandelayo ulunge.
Ukuba ufumene impendulo ethi "cha", buza lo mbuzo: " Ngaphantsi kweemeko zingaphi ucinga ukunika mboleko kule shishini?" Ukuba impendulo yinto enjengeyo, "Xa isihogo sidlula," qhubeka. Kungenzeka ukuba ucela uninzi, uyishiye enye ingqununu yenkcazelo, okanye ungadinga imali engaphezulu kwiimali zakho okanye umsebenzisi-ntetho. Intlanganiso nganye ingaba ngamava okufunda kunye nenyathelo ukuya kumava angcono ngexesha elizayo.
Ukukhathazeka kwabathengi abaninzi ngokukhawuleza.
Kungathatha iibhanki eziliqela okanye iimanyano zekhredithi ukuze uhlalutye umboniso wakho. Ukuhlanganisa uluhlu lwabanakho ababolekayo banceda ukuba ubone amathuba. Njengoko kuchaziwe ngasentla, cinga ngebhokisi, kuquka iintlangano zeentengo zemali kwiluhlu.
Yiba nesicwangciso sokulondoloza.
Yazi into onokuyenza xa ufumana ukunyanzelwa ngababoleki. Ukuba ne-backup kukugcina ubuncinci bezinga lakho, kukunika ithuba elingaphantsi lokubonisa ukuphazamiseka, kwaye kukugcina ucinga phambili.
Cinga ezinye iindlela.
Ukuba usebenze uluhlu lwakho lwabo abanakho ababolekisi kwaye ungenalo mboleko, ungayeki. Khangela ezinye iimithombo zenkxaso-mali , ezifana nekhredithi yorhweba, intsapho kunye nabahlobo, okanye izihlwele. Kwakhona, unokuba ufuna ukucinga ngokukhawuleza isicelo sakho.
Unokufunda ngokubanzi malunga nendlela yokulungiselela umboleko wezoshishino ngenjongo yokubonisa