Ikampani elincinci lokutyalomali yeshishini yinkampani yangasese yokuboleka imali elayisenisiweyo kwaye ilawulwa yi- Small Business Administration (SBA) . I-SBIC inika inkxaso-mali yokuxhasa imali kumashishini amancinci aphezulu, kwaye i-SBIC mboleko iqinisekisiwe yi-SBA. Inzuzo eyongeziweyo ye-SBIC yamashishini amancinci kukuba, ngaphezu kwenkxaso-mali yokukhula kwamashishini amancinci kunye nemisebenzi emininzi, ubuchule bolawulo lwe-SBIC kunye nokunceda nkampani.
I-SBIC isebenzisa ukuhlanganiswa kwemali ephakanyisiwe kwimithombo yabucala kunye nemali ephakanyiswe ngokusebenzisa ukuqinisekiswa kwe-SBA ukwenza ubulungisa kunye nokutyalomali-mali-mali kumashishini amancinci.
I-SBA ithi:
Ekupheleni kwe-FY 2011, i-SBA yayinezigidi ezili-8.2 zeebhiliyoni ezityalomali kwiingxowa-mali ezingama-299. Kanye kunye nenkunzi eyimali eyi-$ 8.8 yezigidigidi, le nkqubo izalisa ngaphezu kweebhiliyoni ezingama-17 kwizibonelelo eziyinkunzi ezazinikezelwa kubashishini be-America.
Injongo yeprogram yeSBIC yile:
ukuvuselela nokuxhaswa kokuhamba kwemali yabucala kunye neengxowa-mboleko zexesha elide lokuxhasa ngemali, ukukhula, ukwandiswa kunye nokuhlaziywa kwemisebenzi yamashishini amancinci ngelixa kuqinisekisa ukuba kuthatha inxaxheba enkulu kwimithombo yenkxaso-mali yangasese.
Ukufaneleka kweSBIC
Ukufaneleka ukufumana inkxaso kwi-SBIC ishishini lakho kufuneka lihlangabezane nale migaqo elandelayo:
- Kumelwe ube "shishini elincinci" njengoko kuchazwa yi-SBA: "amashishini anexabiso elibonakalayo elingu-18 yezigidi kunye nomyinge weedola ezi-6 kwizibonelelo ezingenanto okanye ngaphantsi kweminyaka emibini edluleyo ngexesha lokutshala imali."
- Ibhizinisi lakho alikwazi ukubandakanya imisebenzi yangaphandle, kwaye
- Ibhizinisi lakho alinakuba "ishishini elinqatshelweyo" (ababolekisi-mali okanye abatyala-mali kwakhona;
Iintlobo zeeMali
I-SBIC inokubonelela ngemali-mboleko, ubulungisa, okanye intlangano, kuxhomekeke kwiimeko.
I-SBIC ibukeka ibhishino elinenzuzo "ngokukhawuleka kwemali efanelekileyo ukwenzela ukuhlawula njengenzuzo. Ukuba ishishini lakho alizuzi, unokufuna imali eyaneleyo yokufumana inkxaso ye-SBIC.
Ukusebenza ne-SBIC
I-SBA ichaza amanyathelo ekufumaneni i-SBIC:
1. Uphando lwe-SBIC lokufumana umntu onenjongo yokutshala imali kunye nezicwangciso zakho zoshishino.
2. C ukucwangcisa isicwangciso soshishino malunga nentlanganiso yakho kunye neSBIC.
3. Yenza isicwangciso sakho seshishini kunye nesiphakamiso sezimali ze-SBIC. Ngaphambi kokuba unike isicwangciso, fumana ulwazi kwi-SBIC ethile ofuna ukuyifumana, kwaye uzama ukusungula uxhumano naloo nkampani.
Ngolwazi olungakumbi malunga neNgxowa-mali yeSBIC
Icandelo le-SBIC ye-website ye-SBA inolwazi kwi-SBIC ngetyala, kubandakanywa uluhlu lwe-SBIC kwiwebhusayithi ye-SBA.
Kuthiwani ukuba iBhizinisi Lwam liyazilungele ukutshala imali kwe-SBIC?
Unokuba usenokufumana enye yeenkqubo zeemali-mboleko ze- SBA , kubandakanywa isayinwe 7 (a) mboleko.