Omnye umthombo weNkxaso-mali yeNcinci
Ababoleki bangeNgcaciso banokunika inkxaso-mali
Abaxhasi bezentengiselwano kunye neendwendwe-mali bezithunywa-mali bangabonelela ngemali yokulingana, nangona kunjalo, abanini-shishini abaninzi abanqwenela ukuyeka ukulingana okanye ukujongana nabatyalo-mali abafuna ukuthetha ngendlela abaqhuba ngayo ishishini, ukwenza ukuba imali mboleko yabangasese ibe yinto engenakukwazi ukuyenza ukuxhaswa ngeebhanki.
Imfuneko yokuboleka imali yabucala ibangele ukuqhuma kwindawo yokuthengisa yemali-mboleko ye-intanethi - kukho ininzi "yeeftech" iifenethi zokubolekisa nge-intanethi ukukhetha kuyo, kuxhomekeke kwimfuno zakho. Ngokomzekelo, abanye baxhomekeke kwiimali-mboleko zesikhashana, abanye kwiimarike ze-niche ezifana ne-franchises, njl.
Iintlobo zeMali mboleko yangasese
Imali yeeNkxaso zoShishino lwaBancinci (SBA)
Imali-mboleko ye-SBA ibhanki okanye iimali-mboleko ezizimeleyo eziqinisekisiwe nguRhulumente ngokusebenzisa iSBA. Inani eliphakamileyo, izinga lentengo elincinci kunye nemigangatho emide yenza kube lula kumashishini.
Iimpawu zeTyala
Iimali zeentengo zemboleko ziyimali yemboleko yemali eyimfihlo efana nekhadi lekhredithi.
Iimpawu zeentengo zemboleko ziguquguqukayo - unokuboleka ukuya kumda wakho wesikweletu kwaye uhlawulele ibhalansi nanini na. Amanani omdla aphezulu kakhulu ngaphandle kokuba ufaneleke njengowomboleki.
Oontanga Oontanga (P2P) Imali
Iontanga zontyala zontanga zenziwa ngabatyalo-mali kumashishini anesidingo semali. I-Intanethi ye-P2P yomncintiswano weenkonzo kunye nabboleki kunye nentlawulo yomrhumo wenkonzo.
Amanani omdla aphantsi kwaye ukuvunyelwa kuyakhawuleza kwaye kulula.
UkuThuthukiswa koMthengisi (kwiiShishini eziMisiweyo)
Intuthuko yomthengisi inika ukufikelela ngokukhawuleza kwintlawulo ngokubuyisela ipesenteji yokuthengiswa kwekhadi lokuthenga ngetyala / yebhanki. Ukuvunyelwa kukhawuleza kodwa iifizi ziphezulu kakhulu kunamaxabiso ehlawulwa kwiimboleko.
Imali mboleko
Imali-mboleko yemali-mboleko inokufana nokuqhubela umrhweba kuba abanye ababolekisi bamashishini abucala baya kunika imali ngokutshintshela ipesenteji yeengeniso ezizayo (umzekelo ukuphuhliswa kwemveliso emitsha okanye inkonzo enamandla kodwa ifuna inkxaso-mali ukuze ifike kwiimarike).
Imali yeMali
Njengamaziko eemali, ababolekisi bamashishini abucala banikezela ngemali-mboleko yexesha elizayo ukuseka amashishini angabonisa ukuba unako ukwenza iintlawulo ezivela kwingeniso. IiRhafu kunye neentlawulo ziphezulu kuneemboleko zeebhanki.
Iingenelo zeMali-mboleko yangasese
Amabhanki anikezela ngemali-mboleko yexesha eliqhelekileyo esekelwe kwingxelo yemboleko, nakuba ababolekisi ngabangasese bavame ukuqonda ngakumbi amashishini athile kunye namacandelo eemarike kwaye banokuyilungiselela ngeminikelo yabo yenkxaso ngokufanelekileyo.
Inkqubo yesicelo ihamba ngokukhawuleza kunye nababolekisi bamashishini abucala-ishishini elivunyelwe ukuba liboleke imali yangasese ingayifumana imali kwiintsuku kuneentsuku okanye iinyanga njengemali mboleko yebhanki.
Iintsilelo zeMali-mboleko yangasese
Iingxaki eziphambili zemali-mboleko yabucala yimivuzo ephezulu yenzalo. Amabhanki angakhokhela imali ngexabiso elincinci kuba banokufikelela kwimali evela kumaziko aseburhulumenteni kunye neentlawulo.
Ababolekisi abazimeleyo bafumana imali kwiibhanki okanye abatyali-mali kwaye ngenxa yoko kufuneka bahlawule amazinga aphezulu ukuze bafumane iindleko eziphezulu zezimali.
Iziko eziMali eziPhezulu eziPhezulu
- I-SmartBiz inikezela ngemali-mboleko yenkxaso-mali eyiminyaka emfutshane-enye yeendlela ezilungileyo zokuxhasa imali shishini elincinci.
- I-Upstart isayithi ye-P2P enika izibophelelo zabasebenzi kunye ne-shishini ukuya kuma-50,000. I-Upstart iyathandwa ngamashishini okuqalisa angenayo imbali enkulu yemboleko.
- I-BlueVine yintengiso yebhanki ye-intanethi eyaziwayo enikezela ngemali ye-invoyisi ezingabhawulwanga (i-invoice finance) kunye nemigca emfutshane yeekhredithi kumashishini amancinci.
- Isondeza seNgxowa-mboleko ngumthengisi we-P2P kwi-Intanethi enganika inkxaso-mali ukuya kwii-500,000 zamawaka ngamashishini asekwe kwimihla engama-10.
- INGXELO YOQOQOQO inika inkxaso yokuthengisa ngemali yemali kunye neengxowa-mboleko zexesha (ukuya kuma-250,000 kwiinyanga ezili-6-18) kwiindawo ezikhoyo. IiNgxowa zinokufumaneka kwiintsuku ezimbalwa zoshishino.
- Iqela leMboleko yi-P2P mboleko enikezela ngemali-mboleko yebhankini ukuya kuma-300,000 kwi-1-5 yemigangatho yamashishini asebenze ubuncinane kwiinyanga ezili-12 kwaye ubuncinane ubuncinane be-$ 50,000 kwimpahla yonyaka.
- I-ForwardLine inikeza iifutshane (ukuya kwiinyanga ezili-18) kunye nephakathi (ukuya ku-5 ngonyaka) imali-mboleko yexesha elide ukwenzela ukufikelela kwii-500,000 zamawaka ukusekwa kwamashishini kunye nokuthengiswa kwee-100,000 okanye ngaphezulu.
- I-Internex Capital inikeza imigqaliselo emfutshane yeekhredithi kumashishini amancinane naphakathi kwamashishini. Ukuvunyelwa kusekelwe kwiimali ezifumana iimali kunye neengxowa-mali zingafumaneka kwiintsuku ezi-3 zoshishino.
- I-Fundbox ngumthengisi we-intanethi enikeza inkxaso-mali ngokusekelwe kwixabiso lee-invoyisi ezingakhokhelwa. Ukuvuma inkxaso-mali, bafuna ukufikelela kwi-software yakho ye-akhawunti okanye kwi-akhawunti yebhanki. Iimali zifumaneka ngosuku olunye lwezoshishino ngamaxabiso angama-100,000.
Bona kwakho:
Indlela yokufumana iMboleko encinci yeShishini
Lungiselela iSicwangciso soShishino esilungele ukuTyala
Ukufumana Inkxaso-mali Yobuncinci
Iziganeko ezi-7 ze-Angel Angel Investors zifuna kwi-Business
Indlela yokufumana i-Angel Angel Investment