Ukufumana inkxaso-mali yoshishini lakho elitsha
Inyani, nangona kunjalo, kukuba oosomashishini abaninzi, kufuneka uvelise ingcamango yakho kuqala ngaphambi kokuba umntu abeke loo mali. Kodwa amaninzi amashishini adinga uhlobo oluthile lwenkunzi yokuqala yezinto ezifana nokuthengwa, ukuthengiswa, izibonelelo zomzimba, iindleko zokufakelwa, njl njl.
Ngokutsho kwe- US Business Small Administration (SBA), "Nangona ukuphathwa kakubi kuthethwa ngokuqhelekileyo njengesizathu sokuba amabhizinisi ahluleke, ukungafumaneki okanye ukuxhaswa kwexesha elingagqibekanga." Ngamanye amaxesha kuhla kwi- flow flows - iinkampani zivalile iingcango zabo ngenxa yokuba zikwazi ukuzenza ezinye iinyanga ezimbalwa kude kube yimali.
Xa uhlola iinketho zakho zezimali, kukho iinkalo ezininzi zokuqwalasela:
- Ngaba iimfuno zakho zifutshane nexesha elide okanye ixesha elide? Ngaba uza kukhawuleza njani ukuhlawula imali mboleko okanye ukubonelela ngokubuyisela imali?
- Ingaba imali yeendleko zokusebenza okanye iindleko zentengo eziza kuba yimpahla, njengezixhobo okanye i-estate?
- Ngaba uyayidinga yonke imali ngoku okanye kwiincwadana ezincinci kwiinyanga eziliqela?
- Ngaba uzimisele ukuthatha yonke umngcipheko ukuba inkampani yakho ayiphumelelanga, okanye ufuna umntu ukuba ahlanganyele umngcipheko?
Iimpendulo kule mibuzo ziya kukunceda ukubeka phambili izinto ezininzi ezikhoyo ezikhoyo.
Ngokusisiseko, kukho ezimbini iintlobo zenkxaso-mali :
- Ukuxhaswa kwemali-mboleko - Uboleka imali kwaye uvumele ukuyihlawula ngexesha elithile kwisilinganiso esenzelwe inzala. Unetyala le mali ingaba iqumrhu lakho liphumelela okanye cha. Imali mboleko yeBhanki yintoni abantu abaninzi abacinga ngayo njengetyala lezimali , kodwa siya kuphonononga ezinye iinketho ezingezantsi.
- Ulwabiwo-mali - Uthengisa ubunini benkampani yakho ngenjongo yokutshintshela imali. Abatyalomali bacinga yonke into (okanye ininzi) engozini - ukuba inkampani iyahluleka, ilahlekelwa yimali. Kodwa ukuba iphumelela, ngokuqhelekileyo ibuyisela enkulu imali ekutsalweni kwayo ngaphandle kwexabiso lentengo. Ngamanye amazwi, imali yokulingana iyabiza kakhulu ukuba inkampani yakho iphumelele, kodwa ixabiso eliphantsi kakhulu xa lingekho.
Ngenxa yokuba abatyali-mali bathatha umngcipheko ophezulu kunokuba ababolekisi, ngokuqhelekileyo babandakanyeka ngakumbi kwinkampani yakho. Oku kungabangela intsikelelo. Baya kunika iingcebiso kunye nokudibanisa ukunceda ukukhula kwishishini lakho. Kodwa ukuba isicwangciso sabo siphume kwinkampani yakho kwiminyaka engama-2-3 kunye nokubuyela ngokukhulu ekutsalweni kwabo, kwaye ukukhuthazwa kwakho kukukhula okuzinzileyo kwexesha elide le nkampani, unokuzifumana ungahambisani nabo njengoko inkampani ikhula. Qaphela ukuba ungayeki ukulawula kakhulu inkampani yakho.
Masiqwalasele ngokuthe kratya kwiinketho ezininzi ezifumanekayo zokuqalisa.
Abahlobo kunye nosapho basesisiseko sakho semali mboleko kunye nokulingana. Ziyakuthi zincinci kakhulu malunga nekhredithi yakho kunye nokubuya kwabo kulindeleke ekutyalweni . Omnye umzobo: yenza isicwangciso kunye nomthetho ofanayo olusemthethweni ongayenza nabani na okanye kungabangela iingxaki phantsi kwendlela xa ufuna i-finance eyongezelelweyo.
Lungiselela isicwangciso sezoshishino kunye namaxwebhu asemthethweni - uya kuziva ulunge ngakumbi, kwaye kuyinto enhle kamva.
Amakhadi enkokhelo sisixhobo esikhulu sokulawulwa kwemali yemali, esicinga ukuba uyisebenzisela oko kwaye kungekhona ukuxhaswa kwexesha elide. Gcina amakhadi enye okanye amabini ongenayo ibhalansi kuwo kwaye uyihlawule inyanga zonke ukuzithengisa iintsuku ezingama-30 ukuya kwezingama-60 kungekho nzala. Kwaye amaxabiso angeniso athile kwamakhadi enza ukuba kubekho imali ephantsi kakhulu. Ulawulo olufanelekileyo, lusebenza kakuhle kakhulu; lawulwa kakubi, zibiza kakhulu.
Iimali mboleko zeBhanki ziza kuzo zonke iimo kunye nobukhulu, ukusuka kwii-microloans zeedola ezingamakhulu ambalwa, ezixhaswa ngamabhanki asekuhlaleni, kwiingxowa-mboleko zithandathu ngamabhanki kazwelonke. Oku kulula ukufumana xa kuxhaswa yi-asethi (ukulingana kwekhaya okanye i-IRA) okanye abagcini-bantwini be-third (umzekelo, imali-mboleko ye-SBA exhaswe ngu rhu lumente okanye umququzeleli).
Ukuba ufumana umgca wekhredithi kunokuba umbolekisi -mali ongekho phantsi, awuyi kuhlawula umdla uze usebenzise imali.
Ukuqeshiswa yindlela yokuhamba xa ufuna iimpahla ezithengayo ezinkulu ezifana nezixhobo, izithuthi, okanye iikhomputha. Umnikezeli wakho uya kunceda uhlolisise oku.
Iingelosi abatyalo-mali bazalisa ikhefu phakathi kwabahlobo kunye nosapho kunye nabaxhasi bezentengo , ngoku abanqabile ukuba bajonge utyalo-mali ngaphantsi kwe-$ 1 yezigidi. Bhalisa umcebisi wezezimali we-savvy ukuba ahlele i-deal.
Ukuboleka imali yangasese kubonisa enye indlela efanelekileyo xa ibhanki ithi "hayi". Ababolekisi abazimeleyo bafuna ulwazi olufanayo kwaye baya kuqhuba ngokukhawuleza njengamabhanki, kodwa bahlala bucala kwi-shishini kwaye bazimisele ngakumbi ukuthatha imali mboleko ephezulu xa bebona ubunako.
Zininzi iziteshi ezifumanekayo kuwe ukuphakamisa inkunzi. Zonke iindlela ezi ngasentla zininzi ezahlukeneyo. Hlanganisa isicwangciso esicacileyo seshishini , khuluma nomcebisi wezezimali, kwaye qalisa ukubuza. Omnye ekugqibeleni uya kuthi "Ewe".