Umsebenzi weNgxowa-mali ye-SBA njani?
Ngokubanzi, i-SBA imboleko yokubuyiselwa kwentlekele ifumaneka kumashishini kunye nabantu abaye balahlekelwa yintlekele evela kwintlekele yase-US. I-SBA inikezela inzala ephantsi, inzala-mboleko yangexesha elide "ukulungisa okanye ukubuyisela indawo engasilondoloziwe okanye engasilondolozwayo yintlekele." Amanani omdla athathwe kwipesenti ezi-4, kwaye eli lixesha linokufikelela kwiminyaka engama-30.
Imali-mboleko yenhlekelele ye-SBA ivela ngeendlela ezimbini:
- Iingxowankulu zengxowankulu zengxowankulu ukubuyisela okanye ukulungisa ukulimala komzimba Ipropati yezinto eziphathekayo kuquka ipropati yangempela (umhlaba kunye nezakhiwo), uomatshini kunye nezixhobo, ukulungiswa kwempahla , ukugcinwa kwempahla kunye nokuphucula indawo .
- Imali yokuThuthukiswa koQoqosho, "ukukunceda ukuhlangabezana neembopheleleko zemali kunye neendleko zokusebenza eziye zadibana neentlekele." Iimali mboleko zokubuyiselwa kwezoqoqosho ngokuqhelekileyo zithatha uhlobo lweemali-mboleko zengqesho zokusebenza kwiindleko zokusebenza zenza ukuba ishishini liphile ngexesha lokubuyisela. Nangona ipropati yakho ingakonakaliswa, unokukwazi ukufumana imali mboleko yokubuyiselwa kwemali kukunceda uqalise iqela lakho.
Kwimashishini amancinci , umda wokudibanisa weentlobo zombini zemali-mboleko i-$ 2 yezigidi.
Yintoni endiyidingayo ngaphambi kokuba ndisebenzise?
Okokuqala, kufuneka uqaphele ukuba uhlala kwindawo yentlekele. Urhulumente wesigqeba, i-SBA, kunye noNobhala wezoLimo banokumemezela indawo njengendawo ejongene nenhlekelele.
Hlola olu uluhlu lwemimandla ekhoyo yentlekele ekhoyo yangoku ukuze ubone ukuba indawo yakho ifakiwe. Ukuba ayikho kwenye yezi ndawo zentlekele, awukwazi ukufumana mboleko.
Okwesibini, kuya kufuneka uhambise ibango kwinkampani yakho yomshuwalense kwaye uqalise kwinkqubo yokugqiba oko baya kukuhlawula.
I-SBA iya kuhlawula kuphela umonakalo ongahlanganiswa ne-inshurensi, kodwa unokuqalisa inkqubo yokubolekisa ngemali ngaphambi kokuba wazi ixabiso elihlawulwa yi-inshurensi. Ngokuya kwe-FEMA (i-Federal Emergency Management Agency), i-SBA "iya kuqwalasela ukubolekisa ilahleko kuye kufikelele kwimingcele yemboleko, xa umboleki evuma ukusebenzisa imali yomshuwalense ukunciphisa okanye ukubuyisela umboleko wabo we-SBA."
Ndingayifaka njani isicelo seNgxowa-mali yeNtlekele?
Ungathumela isicelo kwisinye seendlela ezintathu:
- Ungasebenzisa inkqubo yokubolekisa inhlekelele kwikhompyutha,
- Ungathumela isicelo somboleko sephepha, okanye
- Unokufaka isicelo kumntu kwi-SBA ibhokisi leziko lokunceda inhlekelele yendawo, ukusekwa ngokukhawuleza emva kweentlekele ezininzi.
Ziziphi iinkcukacha endazidingayo kwisicelo sam?
Iifom ezifunekayo kwisicelo sakho semali mboleko ziquka:
- Isicelo se mboleko yezoshishino (ifomu le-SBA ifomu 5)
- Ifom ye-IRS 4506-T yomenzi wesicelo ngamnye (ishishini) kunye nabanikazi bayo. Imimiselo yokuba ngubani omele angenise le fom ehluke kuye kuxhomekeke kuhlobo loshishino kunye nenani labanikazi.
Amanye amaxwebhu afanelekayo kwenkampani yakho kunye nabafaki zicelo:
- Ikopi epheleleyo yembuyekezo yerhafu yentsholongwane yamuva yamashishini, kuquka zonke iishedyuli.
- Isitatimende sezemali (iSBA Ifom 413) ngamnye kumnini-shishini.
- Unokufuneka kwakhona ukuba unikezele ukubuyisela irhafu kubo bonke abanikazi boshishino.
- Ishedyuli yamatyala (ungasebenzisa ifom ye-SBA ifomu 2202) kunye nesimo samanje kunye nokulinganisela.
- Ingxelo yenkxaso-mali kunye nelahleko yangoku yonyaka.
- Amanani athengisa ngokuthengisa kwi-SBA ifomu 1368.
Unokufunwa ukuba ube neyesigxina (enye imali okanye enye impahla) ukuba yamkelwe kulo mboleko. I- SBA ithi "ayiyi kunciphisa umboleko ngenxa yokungabi nendawo yokubambisa, kodwa kufuneka ukuba uthembise into ekhoyo."
Nalu uluhlu lweekhonkco kwiifom ze-SBA ezikhankanywe ngasentla.
Yiyiphi iNkqubo yokuVunyelwa kweMali yeNkcitho?
Xa ufaka isicelo se-SBA mboleko yenhlekelele:
- I-SBA ukuhlaziywa kokuqala kwekhredithi yakho ukuqinisekisa ukuba ungumviwa ofanelekileyo wokuboleka imali
- Emva koko baqinisekisa umonakalo ngokomzimba kunye nomonakalo wezoqoqosho kwishishini lakho kwaye wenze uqikelelo
- Inkqubo yokubolekwa ngokugqithisileyo iyathatha, kuquka ukuqokelela ulwazi, ukucela amaxwebhu, nokucela ulwazi lwe-inshorensi. Le ngongoma apho unokucelwa ukuba udibanise
- Ekupheleni kwenkqubo, amaphepha-mboleko alungiselelwe kwaye asayinwe
Ndingayandisa njani Amathuba Ami okufumana iNgxowa-mali yokubuyiswa kweNtlekele?
Ezinye iingcebiso zokukhawuleza inkqubo yokuboleka imali kunye nokuphucula ithuba lakho lokufumana mboleko ye-SBA:
- Hlola ukulinganiswa kwekhredithi yakho ukuqinisekisa ukuba kuya kwamkeleka. Ukuba unesityala esilungileyo ungadinga ukulungisa i-credit yakho ngaphambi kokufaka isicelo. Ukuba unomlinganiselo weentengo zekhredithi, kulungile. Ukuba akunjalo, kuya kufuneka usebenzise i-credit rating rating yakho.
- Lungisa ulwazi malunga neempahla onokuyidingayo ngenjongo yokubambisa. Olu lwazi lungabandakanya ulwazi kwi-asethi yoshishino njengesakhiwo okanye izixhobo, kunye nexabiso langoku.
- Ngaphambi kokuba ungenise nayiphi na into kwi-SBA, phrinta zonke iifom ezifuneka ukuba zingeniswe kwaye zihambe kuzo ziphendule ngokucophelela yonke imibuzo. Musa ukwenza igosa lemali-mboleko ukuba libuye kwaye libuze imibuzo eminye okanye icele ulwazi olungaphezulu.
- Qinisekisa ukuba unamaphepha akho onke , kuquka iintlawulo zeerhafu ezifunekayo kunye namaxwebhu eenkampani kwaye zizalisekile kwaye zichanekile.
Kuthiwani Ukuba isicelo Sokubolekwa Kwingxowa-mali Siya Kulahlwa?
Isicelo sakho somboleko wentlekele ye-SBA sinokuphikiswa ukuba:
- Umlando wakho wekhredithi awwamkelekanga
- Awubonakali amandla okubuyisela umboleko
Ukuba ufaka isicelo se-SBA mboleko yentlekele kwaye inqatshelwe, ungafaka isicelo sokuqwalasela kwakhona. Isicelo sakho kufuneka sithunyelwe kwisithuba seenyanga ezintandathu emva kokukhanyela kwi-SBA yokuNcedisa iNtlekele kunye neZiko lokuThumela (iDAPDC). Ukuba isicelo sakho siphiwa kwakhona, kukho inkqubo eyongezelelweyo ekhoyo.
Ndingafumana phi Uncedo Lentlekele?
Unokuqhagamshelana ne-FEMA, ehlola umonakalo kwipropati yakho kwaye inike ezinye iindidi zoncedo kubanikazi bezindlu, abaqeshisi, kunye namashishini abathintekayo ngeentlekele. I-FEMA inikeza izibonelelo ezingenakubuyiselwa. Yiya kwi-disasterassistance.gov ukuqala inkqubo yokufaka uncedo.
Indlela iMboleko yeNtlekele ifumana ngayo kwiNkqubo yakho yokuFumana kunye neNgcaciso yoMshuwalense
Imali-mboleko ye-SBA ayiyi kuthatha indawo isicwangciso sokubuyisela inhlekelele esiyilungiselela ishishini lakho ngaphambi kokuba kubekho intlekele. Ezi mboleko nazo aziyi kuthatha indawo yokulawulwa kwengozi / uhlaselo lwe-inshorensi. Ubume bakho bomshuwalense we-inshorensi ungabandakanya inshurensi yesikhukhula kunye ne-inshorensi yokuphazamiseka kwe-shishini
Isicwangciso sokubuyisela esipheleleyo kunye ne-inshorensi eyaneleyo yimizila yokuqala yokukhusela kwiintlekele kwishishini lakho. Ukuba umonakalo mkhulu kunalolu hlobo, umboleko-mboleko wenkxaso-mali ye-SBA unokukunceda ukuba ufumane ngokukhawuleza kwaye uqhubeke nebhizinisi lakho.
Ngolunye ulwazi
Unokutyelela indawo ye-disaster aid ye-SBA, biza i-SBA kwi-1-800-659-2955 okanye (TTY) (800) 877-8339, okanye ungayithumela imibuzo yakho kwi-disastercustomerservice@sba.gov.