Nazi izinto ezilishumi ofuna ukuba wazi malunga nenkxaso-mali yamancinci yaseCanada eya kukuthintela uphando lwakho lwemali ukuba lube yinto yokuhlaselwa.
1. Imithombo ephambili yenkxaso-mali yamancinci ibhanki kunye neemanyano zemboleko.
Umthombo ogqithiseleyo wenkxaso-mali yamancinci ngamashishini oomashishini, kodwa imithombo yemveli efana neebhanki kunye neemanyano zentengo zilandelayo. Oku kwenza ibhanki yakho ibe yindawo enhle yokuqalisa ukukhangela inkxaso-mali yenkampani, ngokukodwa njengoko iNkqubo yeNgxowa-mali yoLutsha lweCanada ithunyelwa ngaphakathi.
Oko akuthethi ukuba kunjalo, ukufumana iimboleko ezincinci zeCanada kulula. Njengengxenye yeSifundo seNkxaso-mali ye-SME eyenziwe ngu-Industry Canada, uphando lubone ukuba ababoneleli bentengiso abancinci bendabuko (njengebhanki) baya kuba ngabaqaphelisayo xa bavavanya abaxhamli beemboleko zentengiso yabancinci. Njengamaxesha onke, amashishini amasha afumana ixesha elinzima kakhulu ekufumaneni inkxaso-mali yokuqalisa ishishini abayifunayo.
Ukumelana nalo mkhuba, kufuneka uchithe ixesha elithile ukuhlanganisa isikhokelo senkxaso-mali esincinci.
Funda malunga nokufumana imboleko encinci yebhanki ngokudibana nokulindela umboleki kunye nokwandisa amathuba akho okufumana inkxaso-mali eyimfuneko.
Izibonelelo zorhwebo ezincinane eCanada zimbalwa kwaye ziphakathi.
Kukho amancinci amancinci amancinci apho kwaye uninzi lwezibonelelo ezikhoyo ezijoliswe kumaqela athile, imisebenzi okanye nakwiindawo zelizwe.
Inyaniso ngeemali zorhwebo ezincinci eCanada kukuba zintlobo ezithile kuphela ezikhoyo. Kubonakala ngathi kukho iirhafu zoshishino ezikhoyo kumashishini anxulumene nobugcisa okanye inkcubeko okanye imiba ethile yendalo.
Kwakhona, uqaphele ukuba kukho ezimbalwa ezicocekileyo, ezingekho zixhobo-ezincinci ezixhasayo zorhwebo zincinci ezikhoyo kwindawo yokuqala; Iiprogram ezininzi zeCanada "zoncedo" zibandakanya iminikelo ehambelanayo okanye inkxaso-mali, oku kuthetha ukuba kufuneka ubeke imali ukuze ufumane imali. Ingcebiso yam ayiyikucwangcisa umntu onika imali. Sekela isicwangciso sakho esikhundleni sokuba uza kuba njani abantu ukubolekisa imali.
Yenza uphando malunga nokuba kukho naziphi na izibonelelo zorhwebo ezincinci eCanada ukuba ishishini lakho elincinci lingafaka isicelo.
3. Kufuneka ube nesicwangciso esicacileyo seshishini.
Ayikho indlela ejikeleze oku kwaye akukho zifutshane; nabani na onokucinga ngokungakumbi ngokukunika imali encinci yemali uza kufuna ukubona enye. Kwaye kufaka iinkcukacha zezemali , ezifana nesitatimende se ngeniso, iziphumo zokuhamba kwemali kunye nekharityhulam.
Ngenhlanhla, kukho uncedo olungakumbi lokuhlanganisa isicwangciso soshishino kunanini ngaphambili. Amacandelo oPhuhliso loQoqosho loLuntu kunye / okanye iiNkampani zoPhuhliso lweeNkxaso zengingqi, iiCandelo leeRhwebo zaseCanada kunye neminye imibutho exhaswa nguRhulumente inikezela uncedo lwengingqi oluvela kwiphando lophando ngokusebenzisa izicwangciso zorhwebo.
Abanye abantu bafumana isicwangciso socwangciso lwezoshishino luncedo.
Kwaye kukho ezininzi iimodeli kunye nokuba njani-kumanqaku e-intanethi. IsiCwangciso sethu seShishini , umzekelo, siya kukukhokelela kwinkqubo kwaye ichaze indlela yokuphanda nokubhala nganye icandelo lesicwangciso soshishino.
4. Kufuneka kubekho into kuyo kumboleki wakho.
Kwaye isicwangciso sakho seshishini okanye umgca kufuneka ubonakalise oku. Ukuba uzama ukufumana imboleko encinci yoshishino, 'okukuyo kubo' kuyacaca - izinga lepesenti yokubuyisela. Kodwa abanye abatshali-mali abanokuthi banqwenele ukunamathela iminwe yakho kwi-pie yakho, befuna ipesenti zobunikazi okanye ubuncinane bathi kwishishini lakho liqhutywa njani.
Iingelosi abatyala imali , ngokukodwa, bahlala befuna ukudlala indima echaphazelekayo ekulawuleni inkampani. Ngokuqhelekileyo, ezi ntlobo zabatyala-mali zifuna iireyithi eziphezulu zokubuya kunokuba zikwazi ukufumana utyalo-mali.
I-Angel Investment s ayilula ukuyifumana kodwa ayilungele umzamo.
Xa ubeka isicwangciso sakho sezimali esincinci kunye naso, uyazi ukuba uluphi uhlobo lomboleki ozama ukulukhohlisa kwaye ulungelelanise isicwangciso sakho seshishini ngokufanelekileyo ukuhlangabezana neemfuno zeendleko kunye nokuphendula yonke imibuzo yakhe.
5. Yilungele ukunikela ngezimali.
Ukuncediswa kwee-asethi, ngakumbi i-asethi ababolekayo baya kubona njengobuncwane. Kodwa ukwenza igalelo lakho lemali lithile lungafuneka ukuba ukhusele inkxaso-mali encinci ozama ukuyifumana. Uninzi lweemali-mboleko zorhwebo ezincinci ezixhaswe nguRhulumente zifuna umrhumo wesicelo, ngokuphindaphindiweyo kwipesenti ekhethiweyo yenkxaso-mali yamancinci.
I-finance-start-up inkxaso ayiyi kuxolelwa. Nangona iNkqubo yokuZimisa , njengoko ilawulwa kwamanye amaphondo, icela abo bafake izicelo ukuba benze igalelo layo lemali ekuqaleni ishishini.
6. Ubukhulu kunye nobudala boshishino lakho.
Ndiqinisekile ukuba uyazi ukuba ama shishini amatsha anexesha elinzima ukufumana inkxaso yenkxaso yamashishini amancinci kunamashishini afumane iirekhodi zomzila. Kodwa ubungakanani bebhizinisi lakho neemeko ngokubhekiselele kwinkxaso-mali yakho encinci yoshishino.
Ukuba ufuna umboleko webhankini kwi-bhanki okanye umanyano wemali-mboleko, unakho ukuhlawula umyinge wenzala ngaphezu kwe-1.5% ngaphezu kwezinga lokubaluleka xa ucela inani elincinci lemali-mali (ngaphantsi kwe-$ 100,000) okanye uthengise ngaphantsi Iimali eziyi-500,000 (iiNkcazo zeBhanki , ingxelo yoPhando lweCFIB, ngoNovemba 2007). Ingxelo ithi kwakhona unakho ukuhlawula amaxabiso angaphezulu aphezulu xa unomashishini onabasebenzi abangaphantsi kwe-20 kunye / okanye ngaphantsi kweminyaka elishumi yamava oshishino.
7. Amashishini athile anexesha elinzima kakhulu ekufumaneni inkxaso-mali yabancinci kunezinye.
Ulungelelaniso ukuba ufuna inkxaso-mali yamashishini amancinci kwiindawo zokuthengisa, iinkonzo okanye iinkonzo zokungenisa izihambi, ngakumbi ukuba ufuna i-start star finance. Ndicinga ukuba akukho nto iphosakeleyo ngokuqalisa iseshishini elinjalo, kodwa ababolekisi baqonda ukuba ezo shishini zibe yingozi kakhulu kunezo shishini kwamanye amacandelo.
Amashishini kwimali, i-inshurensi, i-real estate, i-wholesale kunye nezolimo zincinci amathuba okuba izicelo zabo zemali-mboleko zincinci (i- Banking Matters , i-CFIB Research Report, ngo-Novemba 2007).
8. Yile shishini lakho kwiqondo lokujonga.
Iimbali zakho zemali ziza kuhlolisiswa ngenyameko ngabani na abanakho ukuboleka imali. Unokufumanisa ukuba umnini-mboleko uzimisele kuphela ukukuboleka ngemali mboleko kunokuba ityala lemali elincinci okanye ukuba kulindeleke ukuba usayine isiqinisekiso somboleko.
Okubi nakakhulu, nayiphina impazamo kwimbali yakho yemali yemali, njengekhredithi embi okanye ukungabi nendawo yokubambisa, kunokukugxotha ekusebenziseni imali yenkxaso-mali yamancinci ngokupheleleyo. Kubalulekile ukuba uthathe amanyathelo okuhlambulula irekhodi lakho lezemali, njengokulungisa umlinganiselo wakho wekhredithi, ngaphambi kokuba uzame ukufumana inkxaso-mali yenkampani.
Kukho imali encinci yezoshishino ezitholakalayo kulabo abangenakho ukulinganiswa kweentengo zekhredithi. Ukuba awunayo imbali yesikweletu okanye udibaniso ngenxa yokuqhawula umtshato, ngenxa yokuba ungumfuduki omtsha okanye ngenxa yokuba usemncinci, okanye ukuba unesiseko semali esikhokhwayo ngenxa yemicimbi yokubuyisela imali, i-Local Loan Fund yakho yendawo ingathanda ukukunika mboleko e shishini .
9. Kukho imali encinci yenkxaso-mali, ngakumbi kubasetyhini.
Kukho imithombo engaphezulu yemali ejoliswe ngokukodwa ekuncediseni abafazi ukuba baqale kwaye bakhule amabhizinisi amancinci kunanini ngaphambili. Ukuba ungumfazi okhangela ukuqala ishishini okanye ukwandisa ishishini elincinci elisekhoyo, iimali-mboleko zincinci zentengiso ziyafumaneka - kunye nesibonelelo sesibonelelo samashishini amancinci.
10. Awudingi i-fortune ukuqala ishishini elincinci.
Kungenxa yokuba ishishini liqala ngokuncinci lincinci alithethi ukuba alikho iplani ukuba ibe yimpumelelo enkulu.
Ngokomzekelo, uBrian Scudamore waqala 1-800-GOT JUNK? ngeloli elilodwa elisetyenzisiweyo xa wayeyunivesithi ngo-1989.
USusan Olivia Poole wadala i-Jolly Jumper yokuqala kwi-traum handle, i-cloth diaper, kunye nentwasahlobo. IJolly Jumper yaqhubeka yaba ngumthengisi wehlabathi.
Ngaba ufuna ngokwenene imali encinane yezoshishino njengoko ucinga ukuba wenzayo?
U-Rick Spence uthi: "... umgaqo wokuqala wokuxhaswa kwemali," kusho u-Rick Spence, "ukufumana imali njengokuba unako ukufuna iinjongo ezinkulu kunokuchitha ixesha elibalulekileyo elingasetyenziselwa ukunyamekela ishishini".
Ingakumbi ukuba ufuna i-start-up yenkxaso-mali, qwalasela indlela onokuyibuyisela ngayo ingcamango yakho yoshishini okanye ukuyidiliza kwiindawo ukuze ufumane ibhizinisi lakho elitsha kwaye liqhube ngaphandle kwe-infusion enkulu yenkxaso-mali yamancinci.
Ukugcina iingongoma ezingasentla ingqondweni yakho kuzokulondoloza ixesha, yenza ukukhangela kwakho imali yenkampani encinane ibe lula kwaye ukwandise amathuba akho okufumana inkxaso-mali yenkxaso-mali encinci ukuba uyayifuna ukuba xa usebenzisa ezi ngongoma ezilishumi malunga nenkxaso-mali encinci kwimali yakho yokukhangela , uza kulungeleka ngakumbi ukufumana ababolekisi abanokuthi banomdla ekuxhaseni ishishini lakho kwaye uya kuxhotyiswa bhetele ukuhlangabezana neemfuno zabo xa uyenza.