Nento Yokuthetha Nokwenza Okulandelayo
Kunzima kakhulu kwishishini elitsha ukufumana imali mboleko kwibhanki yoshishino ngokuqalisa. Amashishini amatsha ngokwenene ahlawulwa ngengozi enkulu yebhanki okanye umboleki. Ngoko kuyacaca ukuba banentshiseko malunga nokubolekwa kwemali mboleko.
Kutheni i-Startups yeBusiness isengozini
Ukuqonda ukuba kutheni amashishini amashishini atshayayo asemngciphekweni kubangelisi bentengiso, kufuneka sijonge kwii- C zeNtengo zeMboleko (ubuncinci, i-capital, amandla, umlingiswa).
Ababolekisi balindele ukuba umboleki abe
- Ixabiso- Iimpahla zoshishino ezingasetyenziselwa ukudala iimveliso okanye iinkonzo kwaye ezinokuguqulwa zibe yimali ukuze zenze iintlawulo zemali mboleko. Ibishishini elitsha, ingakumbi ishishini lenkonzo, linamashishini ambalwa.
- Ukubambisana - Inkcitho yokufaka isandla kwi shishini. Umnini omtsha wezoshishino akanako ukutshatyalaliswa ngaphandle kokuba angasebenzisa iimpahla zakhe okanye unobhaliselwano-mali kunye nexabiso lokubambisa.
- Amandla - Ingxelo yomzila ukubonisa ukuba ishishini linamandla okuvelisa imali eyaneleyo yokuhlawula imali mboleko.
- Umntu. Oku kubaluleke kakhulu ukulinganiswa kwekhredithi. Ukuba unetyala lokuthenga ngetyala, oko akuthethi ukuba unako ukufumana mboleko yezoshishino, kodwa umlinganiselo osweleyo uya kukwenza uhambe ngokukhawuleza.
Amabhanki ayenobumba obuhle xa kuziwa kwizizathu zokuthi hayi kumboleko wokuqalisa. Ezi ziimpendulo eziqhelekileyo ngamabhanki kwisibini esitshatileyo esifuna imboleko ukuba iqale ukusebenza kobugcisa.
Izimpendulo zeBhanki zeTyhulwa kwiNqununu yezicelo zeMali-mboleko kunye neempendulo zakho
Kuba u.
Amabhanki aya kuthi, "Asiyikuboleka ngemali-mboleko."
Impendulo yakho: Hambisa kwezinye iibhanki. Ngamanye amaxesha kuthatha ixesha elithile ukufumana okulungileyo.
100%.
Ibhanki enye yathi yayiza kuhlawulwa ngemali engama-80 000 kwi-8% inzala ukuba ngababolekayo babe ne-co-signer yabo babeke i-$ 80,000 kwibhankini (kwi-5% inzala).
Xa umboleki ebuza ukuba kutheni engafanele athathe i-$ 80,000 ukuqala ishishini lakhe, baphendula bathi, "Ngale ndlela ufumana ityala lekhredithi."
Impendulo yakho: Awukwazi ukufumana ityala lekhredithi ngaphandle kokuba uneshishini. Hambisa phambili, okanye uqwalasele ezinye iindlela.
Ukulinganiselwa kwemali. Olunye ibhanki luya kubanika i-$ 50,000 kuphela, besithi loo nto yayingumlinganiselo "we-SBA mboleko mboleko yokuqalisa."
Impendulo yakho: Ngaphambi kokuba uthethe kwiibhanki, khuluma neSBA. Fumana iikhrayitheriya zabo. Ezinye iibhanki zikulungele ukujongana neempendulo ezongezelelweyo kunye nokulahlekelwa kwemali mboleko ye-SBA. Unokuya kwi-SBA uze ufumane imvume yokuthintela, ukucima izikhalazo zebhanki.
Ubulungisa kwiNkampani. I-bhanki endiyivile ngayo yathi "i-injection injection efunekayo" (oko kukuthi, imali evela kumnini.) Ukuba imali yebhanki i-$ 80,000 kwaye idinga imali engama-30,000 kumnini, ibhanki iyayidla i-$ 50,000 kuphela.
Impendulo yakho: Yilungiselele ngokucetyisa umnxibelelwano (umntu oza kukubambisa ekuncedeni ngeemfuno zokulingana.
Iingxowa-mboleko zeMboleko kunye neMali yokuQala
Ngenxa yokuba amashishini amatsha awanakho iitaliti, iibhanki kufuneka ibuke ikhredithi yabantu abanebhizinisi. Amabhanki ahlala ekhanyela izicelo zokuqalisa iimali mboleko ngenxa yokuba isikweletu somboleki sineengxaki.
Umzekelo:
- Ingxaki inokuba yinto encinci yodwa kwingxelo yakho yekhredithi, kodwa oko kunokubakho konke kuthatha ibhanki ukuba ithi cha.
- Ukulinganiswa kwekredithi ephantsi kunye nokukwazi ukufumana inkxaso-mali yokuqalisa. Le mihla, nawaphi na amanqaku angaphantsi kwe-800 ngummangali, ngoko kuya kufuneka ukwazi ukulinganiswa kwekhredithi kwaye usebenze ukuphakamisa.
Iindlela zokufumana umboleko ngaphandle kokuxhaswa kweBhanki
Into enokuyenza xa unqatshelwe imali yebhanki kukuya kwezinye iimithombo zenkxaso-mali okanye abanye ababolekisi .
Funda ngokubanzi nge-SBA 7 (a) kwinkqubo yemboleko kwiwebhusayithi ye-SBA.