Yintoni isiqinisekiso somntu siqu?
Isiqinisekiso somntu siqu sivumelana nje ukuba usayine uvuma ukubuyisela imali mboleko ukuba umntu awukwazi ukuhlawula. Kufana nawe unobhaliselwano ngokubambisa . Esi sivumelwano sibophezela nangona ukuba ishishini lakho alixhunyiwe kuwe, njengenhlangano okanye iqumrhu elincinci (LLC).
Ukuba i-corporation ihluleka, umzekelo, kwaye ayikwazi ukuhlawula iindleko zayo, isiqinisekiso sakho somntu siqu sinokusebenza ngetyala.
Isiqinisekiso somntu siqu sinokufunwa kumnini-shishini nokuba nokuba ishishini liziko elisemthethweni, njenge-corporation okanye i-LLC.
Isiqinisekiso somntu siqu sinokuthi siqiniseke ngeempahla zakhe, njengobulungisa bendlu yomnini, okanye kungenakho ukukhuseleka, esekelwe kuphela kwiimpawu eziqinisekileyo zokholo lomboleki. Isiqinisekiso sifuna ukuba umntu obolekayo athembise ukwenza okuhle kumboleko, nokuba ngaba ishishini alikwazi ukubuyiselwa
Kutheni kubalulekile ukuba isiqinisekiso sakho siqu?
Ukuqala ishishini elincinci kuyisiphakamiso esiyingozi, kunye ne-mboleko encinci ye-start-up mboleko ngumboleko ongekho emthethweni ibhanki inokunika. Nangona unokufumana isiqinisekiso semali-mboleko ye-SBA, kuya kufuneka ukuba usayine isiqinisekiso somntu siqu. I-Small Business Administration (SBA) ithi, "Bonke abanikazi be-20% okanye ngaphezulu [boshishino] bacelwa ukuba banikeze isiqinisekiso somntu siqu ukuze bafumane umboleko oqinisekisiwe we-SBA."
Nangona ungayisebenzisi isiqinisekiso semboleko se-SBA, baninzi bhankini baya kusafuna ukuba ube nesiqinisekiso sakho somboleko wakho wokuqalisa. Ibhanki ifuna ukuba ube negalelo lezemali kwimpumelelo yezoshishino kwaye bafuna ukuba uqonde ukuba awukwazi nje ukuhamba ukusuka kwishishini ukuba litheleka kwaye ushiye ibhanki ephethe isikhwama.
Kuthekani ukuba andinayo impahla yokubambisa?
Nangona ungenazo iimpahla, unokufunwa ukuba usayine umqulu wokhuseleko lomntu ongekho ukhuseleko. Ukuba unayo impahla, njengobulungisa ekhaya, mhlawumbi kufuneka uzibophezele kwaye uvumele ukuwasebenzisa ukuhlawula umboleko ukuba ibhizinisi lakho alikwazi ukulihlawula. Ukuba ufumene umnxibelelwano-mlingani, lo mntu kufuneka alungiselele ukubophezela impahla kwi-mboleko. Unina uMinnie kwikhaya lononophala elingenazo iimpahla aziyi kwamkeleka njengombhaliselwano.
Ngamanye amagama, ukuba ufuna umboleko woshishino lokuqalisa, mhlawumbi ungenayo ibhondi yokuzibophezela, ngoko kuya kufuneka ukuba ufumane (a) imali, ukusuka kuma-20 ukuya kuma-50 ekhulwini xabiso lemboleko, kunye (b) neempahla zakho ozibekayo kwibhankini xa kwenzeka ukungahlawulwanga ngemboleko. Ukuba awunayo yezinto, kukho ithuba elihle lokuba awuyi kufumana mboleko. Ukuba uyifumana ibhanki ukuba ivumelane nembolekiso, qiniseka ukuba kufuneka ukuba unikeze isiqinisekiso somntu siqu.
Ngaba ndingakwazi ukukhuselwa kumthwalo?
Unokwazi ukuzuza ngokusekwa kwishishini lakho njengenkampani ejongene nemfanelo (LLC) okanye i- S corporation ; Elinye lala maqumrhu linokuba luncedo ekukhuseleni ezinye iimpahla ukuba zisetyenziswe yimbopheleleko yoshishino.
Kodwa ungalindeli ukufihla emva kwesakhiwo soshishino xa kuziwa ekuhlawuleleni imali mboleko yakho yasebhankini ukuba usayine loo mqinisekiso. Hlola kunye nabacebisi bakho berhafu kunye nezezimali ngaphambi kokuba wenze isigqibo malunga nohlobo lwezoshishino.