Abatyalomali bakucima ngaphandle kwetyala-ngexabiso
Iinkqubo zeeNgxowa-mali
Ukuxhaswa kwemali kukuvumela ukuba unqume ibhanki njengomlingani webhishini. Esikhundleni sokuchitha imali ngemali yokubuyisela imali, ungasebenzisa ukunyuka kwamashishini kubanini-mali ukulinganisa ibhizinisi lakho. Ngaphezu koko, abatyala-mali babanceda ukunciphisa umngcipheko wakho kumashishini.
Kwimeko apho ishishini lakho liphumelela, kuya kufuneka uhlawule nayiphi na imali mboleko yebhanki oyithathayo okanye uyibuyisele kwakhona intlawulo yetyala phantsi kokukhusela i-bankruptcy. Utyalo-mali-mali, nangona kunjalo, ngokuqhelekileyo abanalo amalungelo afanayo kunye nabatyala; awuyi kufunwa ukuba ubuyisele utyalo-mali lwazo lwangaphambili kwisiganeko ukuba ishishini lakho liwe, umzekelo. Utyalo-mali-mali kufuneka kubonwe njengesisombululo sesikhathi eside kunye neendlela zokufaka inkokhelo kunye namava ekuqaleni kwakho.
Ukuxhaswa kweeNgxowa-mali
Ukuba ufuna imali ngexesha elifutshane, ukunikela ukulingana akuyona indlela efanelekileyo. Abatyalomali bafuna inkunzi yabo ukuba bancede inkampani yenza utyalo-mali olululo kwaye ibeke isikhundla sokwanda kwexesha elide kunye nexesha elide.
Ukuba ukuhamba kwakho kwemali akuzange kuthathe njengoko ukulindele, unokufuna ukubiza ibhanki endaweni yoko. Ngaphezulu, kuya kufuneka unqande ukulawula ezinye iinkampani zakho xa unika isitoreli kubasomali.
Cinga ukuba isicwangciso sakho sesikhathi eside siphila shishini lakho. Abanini-zimali baya kukhangela isicwangciso sokufumana ukubuyiswa kootyalo-mali, kwaye isicwangciso singabandakanya ukudibanisa kunye nenye inkampani, ukuthengisa inkampani kwiqumrhu elikhulu, okanye ukuqhuba umrhumo we-stock of the public, oya kubavumela abatyali-mali ukuba bathengise i-stock yabo imarike evulekileyo.
Ngokubambisana nokulawula ukwabelana, uya kubelana ngeenzuzo. Qinisekisa ukuba usebenze izibalo kuyo nayiphi na isivumelwano esinokulinganayo: Unokufumanisa ukuba uhlawula ipesenteji enkulu kwinzuzo yakho kubatyalomali kunokuba ungayi mboleko yebhanki.
Eminye imithombo yemali yokulingana
- Iingxowa-mali. Iingxowa-mali zemali-mali ziinkampani zotyalo-mali otyalo-mali abatyala imali kumashishini akhula ukwenzela ukuba benze inzuzo. Iifenisi zeVC ziyazi ukuba ezininzi izigqibo zabo zokutshala imali zingenakuphuma ngaphandle kodwa zikulungele ukuthatha umngcipheko ngokubuyisela imvula. Ukulondoloza iqumrhu elizimeleyo elijongene noshishino lwakho kuthetha ukuba uza kubazisa abanikazi abanokunikela ngeengcamango ezinamava xa beqhuba inkampani kodwa banokufuna ukulawula okubalulekileyo.
- Batyali bezithunywa. Laba ngabanye abanesigxina somntu ekuboneni isiphakamiso seshishini siphumelele. Iingelosi abatyala imali bathambekele ekugxininiseni ukutyalomali kwabo kumacandelo abanomdla wabo. Ulungelelwano lwamanyathelo kunye neengelosi isalathisi kufana nelomntu oyintloko-mali.
- Imisebenzi yokuqala yoluntu. Ngokuxhomekeke kwimeko kunye nesigaba sokuphuhliswa kwenkampani, kunokunokwenzeka ukuphakamisa imali ngokunikezela izabelo kwinkampani kuluntu. Lo msebenzi ulawulwa kakhulu kwaye iingcebiso zengcali kufuneka zifunwe ngaphambi kokuqala kule ndlela.
- Imali yoshishino. Le ngxowa-mali enikezelwa ngamakhampani asetyenzisiweyo ngokubuyisela isigxina kwi shishini lakho.
Isigqibo sokukhetha ukufumana imali ngokulingana nokuxhaswa kwetyala ngokukodwa kuxhomekeke kwintsimi yakho kunye nenxalenye eyenziwe ngumdla wakho.
Ukuzibeka kwi-financing future
Ngokuxhomekeke kwindleko-mali oyifunayo kwisigaba sokuqalisa, ungase ufune ukuqala ukucwangcisa phambili kwi-finance equity finance. Ukuba kunjalo, kukho izinto ezimbalwa zokugcina engqondweni nakweli nqanaba lokuqala:
- Faka okunye amanyathelo okulwa nokuhlengahlengiswa kwimibingelelo yakho yokulingana yokuqala. Oku kukuqinisekisa abatyali-mali bokuqala ukuba isigxina sabo kwisigxina sakho asiyi kuhlanjululwa xa unikeza izabelo ezininzi emva kwehla endleleni.
- C-Corp okanye i-S-Corp? Uninzi iinkampani ezinkulu zimiselwe ngokomthetho njengeC-Corporations. I-C-Corps ixhomekeke kwiirhafu eziphindwe kabini - inzuzo yenkampani ihlawuliswa, kwaye izabelo zabanikazi ngabanye zerhafu. Amafemu amancinci angakhetha ukusekwa njenge-S-Corp, apho ingeniso ihamba ngokukhawuleza kubanini-zimali kwaye ke yenziwa kuphela irhafu. I-S-Corps, nangona kunjalo, ayikwazi ukuba nabanini-nxaxheba abangaphezu kwe-100 ngomthetho. Ukuba ukhangele ukuthatha imali eyongezelelweyo, unokufuna ukubeka inkampani yakho njengeC-Corp ukususela ekuqaleni. Abatyalomali bakhetha kwakhona i-C-Corps, kuba bavumela i-stock ekhethiweyo ukuba inikezwe, kwaye i-S-Corps ayifuni.