Oko Kufuneka Ukwazi Ngezicwangciso Zoshishino
Ziziphi iziCwangciso zoShishino?
Isicwangciso soshishino ngumqulu onokubaluleka onokuyenza njengesiqulatho soshishino lakho lasekhaya.
Izicwangciso zezo shishino ziyimfuneko ekufumaneni imboleko yemicimbi yezoshishino, kodwa kubalulekile nangona ungadingi ngaphandle kwemali yenkampani yakho encinci okanye yekhaya .
Ziziphi iintlobo zeSicwangciso soShishino apho?
Izicwangciso zoshishino eziqhelekileyo ziyimibhalo eneenkcukacha eziqhelekileyo, ngokuqhelekileyo zilungiselelwe injongo ephambili yokufumana inkxaso-mali ngaphandle kweshishini. Izicwangciso zoshishino ezingaqhelekanga ziindawo zeendlela zorhwebo ezingabandakanya kuphela amanqaku abhalwe ngesandla abenza isikhokelo kubanikazi boshishino kwimisebenzi yemihla ngemihla kunye nokucwangciswa kwezinto.
Ingakhathaliseki ukuba isesikweni okanye ingacwangciswanga, xa ibhaliwe kwaye igcinwe kakuhle, izicwangciso zoshishino zibonelela ngeendlela zokukunceda uhlale ucacile.
Ngaba Ufuna Isicwangciso Soshishino?
Ukuba unenjongo yokukhusela ngaphandle kwezimali kwi shishini lakho, unokulindela isicwangciso soshishino ukuba sibe yimfuneko. Nangona kunjalo, nangona uqala ukuba mncinci okanye uncedo lwakho lokuxhaswa kwishishini lakho, izicwangciso zoshishino ezingaqhelekanga zinokuphucula kakhulu amathuba okuba ikhaya lakho okanye ishishini elincinci liya kuphumelela.
Banikezela neprogram yokukhulisa ishishini lakho.
I- US Small Business Administration (SBA) iqikelela ukuba amaninzi angama-90 ekhulwini lawo onke amashishini amancinci aphumelelanga kwiminyaka emibini yokuqala. Ezi zibalo zinokubangela ukwesabisa. Emva koko, kutheni ufuna ukuchitha ixesha elininzi kunye nomgudu kunye nomngcipheko wemali xa kukho ithuba elilodwa kuphela kwi shishini lakho elishumi liya kuphila?
Gcina ukhumbule ukuba inxalenye enkulu yalabo abaqala ishishini elincinci abazi ukucwangcisa. Basenokungavumi ukuthatha ixesha lokufunda indlela yokubhala isicwangciso sezoshishino kwaye bahlale besesikhathini. Nangona unako ukuphumelela ngaphandle komnye, ukuxhoba ngolwazi malunga nendlela yokubhala izicwangciso zezocwangciso ezilungileyo kuza kukunika umlenze omkhulu ekuqaleni ishishini , ukugcina ukusebenza, ukulawula imali yakho, nokuhlakulela ukukhula kwamashishini.
Ndingakwazi Ukubhala Isicwangciso Soshishino?
Impendulo yalo mbuzo incike kwizinto ezimbini ezibalulekileyo:
- Ngaba isicwangciso seshishini sokusetyenziswa kwangaphakathi okanye ukusetyenziswa kwangaphandle? Ukuba ufuna nje ukudala imephu yendlela wena mhlawumbi akudingeki ukuba uqeshe uchwepheshe ukuze akwenzele yona. Ukuba uzama ukukhusela ngaphandle kwenkxaso-mali, ootitshala ababhala izicwangciso zoshishino zokuphila bazisa ezininzi kwiitheyibhile nangona ufumana nje ngaphandle uncedo ukuphonononga isicwangciso ukuqinisekisa ukuba iziseko zakho zigqitywe ngokufanelekileyo kulo mbhalo. Ukongezelela, izicwangciso zoshishino kufuneka zilungiswe kwaye uphinde uphinde uhlalutye ngesigama nesakhiwo sesigwebo esihle. Izicwangciso zezocwangciso ezibhaliweyo zandisa amathuba okufumana inkxaso ngaphandle kwemali.
- Ziziphi izakhono zakho zokubhala? Ukuba ungumbhali olungileyo unokuba ubhala isicwangciso soshishino ngokwakho, ubuncinane ngoncedo oluthile. Iprojekthi kunye neesampuli ziyafumaneka ukunceda ukulungiselela izicwangciso zoshishino. Ukongezelela, i-SBA yinkxaso enkulu yokukukhokela kwinkqubo. Ukuba awukho kakade, uya kufuna ukuthatha i-intanethi Yakhe i-Workshop yeSicwangciso soShishino ukuze uqalise. Uya kufumana ukuba uxwebhu oluchazwe kule khosi luyahlukahluka kulokho i-SBA ngoku iphakamisa kwiwebhusayithi yabo, kodwa ulwazi oluqulethwe kwisicwangciso sinye. Ngelixa unokufunda ngokulula ukuba ubhale isicwangciso soshishino ngokwakho, uya kuzuza ngokuba nomnye umntu ufunde ngesicwangciso sakho kwaye usenokufuna uncedo olungaphandle, olufana neCPA ukudala amaxwebhu akho kunye ne / okanye uphando lweemarike. ukuphuhlisa iinkalo malunga neemarike zakho.
Ingaba unqumle ukuqesha umntu obhala izicwangciso zoshishino, zibhale ngokwakho okanye usebenzise isofthiwe, usasafuna ukuthatha indima ebalulekileyo kwinkqubo. Nabani obhala isicwangciso sakho ufuna ulwazi oluchanekileyo kwicandelo ngalinye loxwebhu kunye nokuqonda okucacileyo kwishishini lakho. Kwinqanaba elikhulu, olu lwazi kuphela onokukunika. Ukuqokelela ulwazi lukunceda kakhulu kuba kukukunceda uqonde ishishini lakho kunye noko kufuneka uyenze ukuze uphumelele, kwaye kukunika umfanekiso ocacileyo wabakhuphiswano bakho kunye nemarike yakho.
Inzuzo eyongeziweyo yokulungiswa ukubonelela ulwazi olufunekayo ukubhala isicwangciso sakho seshishini yilezi zichanekileyo kwaye zicacise ulwazi olunikezelayo, ixabiso eliphantsi lokuba nesicwangciso soshishino esibhalwe ngumnye umrhumo.
Ukuphuhlisa iSicwangciso soShishino?
Oko kufuneka udibanise kwisicwangciso sakho sezoshishino kungahlukahluka, ngokusekelwe kumhlobo wezoshishino osebenzayo nenjongo yesicwangciso ngokwawo. Nangona izikhokelo eziqhelekileyo zifumaneka, ukuba isicwangciso sibhaliweyo ngokuyinhloko ukukhusela ngaphandle kwemali, njengemboleko encinci yebhankini, akusiyo ingcinga embi ukubona ngaphambili ukuba iziko lemali linalo naziphi iimfuno ezifunayo ukuba zibone kwizicelo zayo zemboleko. kunye nezicwangciso zoshishino.
Ukuba injongo yesicwangciso soshishino ngokuyinhloko ekusebenziseni kwakho okanye isikhungo semali asinayo imfuneko ethile, i-SBA ngumthombo ongenamkhethe wokubakho okumele kufakwe xa kuphuhliswa isicwangciso soshishino. Ngendlela, baxhamla ngenxa yokuba benza njengomgcini-mboleko wemali mboleko emancinci yamashishini amancinci, kodwa isicwangciso sabo sesicwangciso soshishino esiphakanyisiweyo siyindawo efanelekileyo yokuqala kwaye ifakwe kwiphepha elilandelayo, Indlela yokubhala iSicwangciso soShishino.
Ukuthatha inxaxheba kwiSicwangciso seShishini seShishini
Umbuzo we-Poll: Ngaba unesiCwangciso seShishini esisesikweni?
- Ndinesicwangciso esicwangcisiweyo seshishini esilidalileyo
- Ndinezicwangciso zoshishino ezisesikweni ezenziwe ngabanye
- Andinaso isicwangciso esisemthethweni soshishini okwangoku, kodwa ndisebenza kwelinye ngoku
- Andinaso isicwangciso esisemthethweni soshishini okwangoku, kodwa mhlawumbi ndiya kulungiselela enye kwikamva
- Andinomsebenzi osesikweni kwaye andiyiceba ukudala enye
Okulandelayo: Indlela yokubhala iSicwangciso soShishino
Nangona iiplani zorhwebo ezingaqhelekanga zingabhalwa nayiphi na ifomathi nakunoma yimuphi umyalelo oyithandayo, isicwangciso soshishino esisesikweni esisetyenziselwa ukucela inkxaso kwi-shishini lakho elincinci kufuneka libhaliswe kwifom eyaziwayo kumaziko emali, abatyali-mali babucala kunye noorhulumente arhente eziza kuzifunda.
Ngenjongo yokuchaza indlela yokubhala isicwangciso soshishino , eli nqaku linika umxholo wecandelo locwangciso loshishino olufakwe kwisicwangciso esicwangcisiweyo seshishini njengoko kuhambelana ne-US Small Business Administration (SBA).
Icandelo ngalinye liquka ukudibanisa nolwazi olunzulu malunga naloo candelo luza kukunceda njengoko uzimisele ukubhalela isicwangciso sakho seshishini.
Nangona unomnye umntu obhala isicwangciso sakho seshishini, ukwazi ukuba ulindele ntoni kusengaphambili kuya kukunceda ugcine ixesha kunye nemali ngokubhala isicwangciso sakho seshishini.
Indlela yokubhala isicwangciso soShishino - Inkcazo
- Isishwankathelo seSigqeba - Isicatshulwa esiphezulu soluxwebhu olubekwa kuqala kumqulu ogqityiweyo kodwa kufuneka lubhaliswe ngokugqibela.
- Inkampani Inkcazo - Iqondo eliphezulu likhangele indlela zonke iinkalo ezahlukeneyo zoshishino lakho zidibana ngayo.
- Imveliso okanye Iinkonzo - Ulwazi malunga neemveliso okanye iinkonzo oceba ukuzenza kunye nokuba zithelekisa njani kwimveliso okanye iinkonzo zakho.
- Uhlalutyo lweMarike - Inkcazo yemarike yakho, i-niche yakho, kunye nemfuno yemveliso okanye inkonzo yakho (kuxhaswe ngamaxwebhu). Ipesenti yesabelo semarike ocinga ngayo kunye nezigqibo zaso naluphi na ulwazi lophando lokuthengisa.
- Ukuthengisa kunye neendlela zokuthengisa - njani uza kuphuhlisa ishishini lakho, njani uza kufumana imveliso okanye inkonzo yakho kumakhasimende akho, iindleko zokusabalalisa nokukhuthazwa, kunye nendlela oya kulinganisa ngayo ukusebenza kweendlela oceba ukuyisebenzisa.
- Umbutho kunye noLawulo - Isakhiwo somthetho seshishini lakho (i- sole proprietorship , LLC , C corporation , i- corporation , njl.), Ngubani abadlali bakho abalulekileyo, ngubani ojongene nento kunye nokuba baya kubabiza njani ibhizinisi lakho.
- Iinkcukacha zezeMali - Iphepha lakho lokuhlawula, uhlalutyo lokuphulwa, ingxelo yeseniso kunye nesitatimende sokuhamba kwemali . Uya kufuna ukubandakanya zombini iinkcazo zemali zembali kunye neengxelo zezimali ezikhangele phambili.
- Isicelo soxhaswa - Eli li candelo xa uza kucela inkxaso-mali yoshishino. Ukuba awufunanga ngaphandle kweemali ngoku, unokushiya eli candelo.
- IsiHlomelo - Iqulethe ulwazi oluxhasayo, olufana nokuqhubeka, iinkcukacha zokufumana uphando lweemarike , ukuqikelela, kunye nawo onke amaxwebhu afunekayo ukuxhasa oko kuqulethwe kwisicwangciso seshishini.
Njengoko unokubona, oku kukuthi, inxalenye enkulu, ulwazi omele uqokelele ukuba ugqibezele amanyathelo am 10 ngaphambi kokuba Uqale iBhizinisi laseKhaya . Ukuba uthe wagqiba lo msebenzi kwaye uqokelele amanqaku athile, usenokuba sele unesilinganiselo esilungileyo solwazi olufunekayo ukuba ungancedisa xa wena okanye omnye umntu ubhala isicwangciso sakho seshishini.
Yintoni eyenzekayo xa ndibhala iSicwangciso soShishino?
Isicwangciso sakho seshishini sibonakaliso esibalulekileyo. Ngoko ke, kufuneka ukuba ube ngumqulu ophilayo. Emva kokuba ufunde indlela yokubhala isicwangciso seshishini, ukugcina ihlaziywa kufuneka kube lula.
Njengoko usebenza kwaye ukhulile ishishini lakho, kuya kuqiniseka ukuba uza kwenza utshintsho kwindlela oqhuba ngayo ishishini, wenze izigqibo apho iimveliso ezongezelelweyo okanye iinkonzo zokubonelela kunye / nokuba yikuphi ukuyeka, utshintshe indlela oyithengisa ngayo okanye ukuhambisa iimveliso okanye iinkonzo zakho, kwaye ufumane iindlela zokuphucula indlela ibhizinisi lakho liqhutyelwa ngayo.
Ukugcina isicwangciso soshishino sakho samanje sinikela ngeenzuzo ezibalulekileyo, ezifana:
- Ukuba ukhe ufune ukufaka inkxaso yenkxaso eyongezelelweyo ngokusebenzisa iiprogram zemboleko ze-SBA okanye ezinye iimithombo zenkxaso-mali yangasese, ulwazi olufikeleleko luya kufumaneka. Xa kufika ixesha lokuthumela izicwangciso zoshishino olutsha, uza kusindisa ixesha kunye nemali.
- Inokunyanzelisa ukuba ubuyekeze kwakhona uxwebhu, olukunceda ukugcina ugxile kwizinto ezibalulekileyo ekuphumeleleni kwishishini lakho.
Ngamaxesha amaninzi kufuneka ndihlaziye iSicwangciso sam SoShishino?
Unokuhlaziya isicwangciso sakho seshishini kwishedyuli, njengekota nganye okanye kabini ngonyaka, okanye unokuyihlaziya ngexesha langempela - njengoko utshintsho luvela.
Ukugcina izicwangciso zoshishino zihlaziywa ngexesha langempela kunokubonakala ngathi kuyinkathazo, kodwa yinto enhle kakhulu. Ikuvumela ukuba usebenze ngokukhawuleza xa ufuna inkxaso-mali okanye ukuba ufuna ukuthengisa ibhishini lakho kwaye yenza isicwangciso sakho seshishini sibe luncedo njengemephu yendlela ngoba ikugcina phezu kwezinto ngezikhathi zonke.
Yaye yilapho kufuneka ukuba ube nokuphucula amathuba okuba ishishini lakho lasekhaya liphumelele kwaye likhule. Ukukhula kwishishini lakho kuya kubaluleka ngakumbi njengoko ibhizinisi lakho likhula.
Ukufunda indlela yokubhala isicwangciso soshishino kunokufumana ithuba elixabisekileyo kuwe nakwi shishini lakho. Kuza kwenza ukuba umsebenzi ube lula xa kufikelele ekugcineni isicwangciso sakho soshishino sihlaziywe, okanye, ukuba unjengabanini- shishini abaninzi, unquma ukuqala ishishini lesibini elincinci.
Ukuthatha inxaxheba kwi-Poll
I-Poll: Ngaba UnesiCwangciso seShishini esisesikweni?
- Ndinesicwangciso esicwangcisiweyo seshishini esilidalileyo
- Ndinezicwangciso zoshishino ezisesikweni ezenziwe ngabanye
- Andinaso isicwangciso esisemthethweni soshishini okwangoku, kodwa ndisebenza kwelinye ngoku
- Andinaso isicwangciso esisemthethweni soshishini okwangoku, kodwa mhlawumbi ndiya kulungiselela enye kwikamva
- Andinomsebenzi osesikweni kwaye andiyiceba ukudala enye
Jonga iziphumo zePoll
Xoxa ngeSicwangciso soShishino kwiForam
Kubani abathanda ukungena kwiinkcukacha ezingakumbi malunga nendlela yokubhala isicwangciso seshishini okanye ukuvakalisa izimvo zakho, iziphakamiso okanye ukukhungatheka ngokubhala izicwangciso zoshishino, ndiyakwamkela ukuba uthathe inxaxheba kwingxoxo malunga nesi sihloko kwi-Business Plans folder kwiForam yaseBhishini laseKhaya.
Okulandelayo malunga nendlela yokubhala iSicwangciso soShishino : IsiCwangciso seShishini seShishini - Isishwankathelo senkampani