Imboleko yemashishini amancinci ukuncedisa amashishini eengxowa-mali
Iimali mboleko ze-VA, okanye i-SBA 7 (a), iSBA Express kunye ne-Reservist ye-Economic Injury Disaster (MREIDL) Imali-mboleko, ngokwenene iziqinisekiso zemboleko ezenziwe zivela kwi-Small Business Administration (SBA) kumaqhawe okanye kumajoni okanye nabafazi okanye abahlolokazi abaya ukuba bakhonze emkhosini okanye ababuyile emsebenzini wabo wempi.
Ezi mboleko aziveli ngokwenene kwi-VA okanye kwi-Veterans Administration. I-Small Business Administration ine-Ofisi yezoBuphengululi abajongene nemali-mboleko yezoshishino kubaphathi bezilwanyana. Ezi mali azibonelelwa njengezibonelelo. Ziyimali-mboleko eqhelekileyo efuna ukubuyiselwa kwemali, kunye nenqanaba lesantya.
Iintlobo ze-VA zeNgxowa-mali
I-SBA inika ezintathu iintlobo ze-VA mboleko. Okokuqala, kukho i-SBA Express Loan Initiative yabalindi. Le nkqubo ivulekele nakwabenge-veterans, kodwa i-SBA ineprogram ye-Advantage ye-Veteran ye-Advantage ekhupha zonke iimali zemali zemali zemali zemali zemali eziza kuqala ezikhuselekileyo. Amanqwanqwa angabaleka ukuya ku-$ 350,000.
Okwesibini, i-SBA yesi-7 (a) yenkqubo yokubolekwa ngemboleko inikezela kwi-$ 5 yezigidi ngemali, kwakhona kwababini bezilwanyana kunye nabangamaqhawe. Nangona kunjalo, inkqubo ye-Veteran's Beneageage isebenzayo kule mboleko kunye nokubonelela ngemali yokugcina imali yokubambisa imali engama-125,000 okanye ngaphantsi, kunye nokunciphisa amaxabiso e-guaranty kwiimethe eziboleke imali engaphezu kwama-125,000.
I-SBA ikwabonelela ngeengcebiso kunye nokuqeqesha ukuhamba kunye nemali mboleko kunye neenkqubo ziye zaphumelela kakhulu.
Uhlobo lwesithathu lwemali mboleko yezoshishino yi-MREIDL okanye iMboleko yokuLawulwa kweNtlekele yezoMoqosho. Le mboleko ihlinzeka ngemali yokusebenza kwiimashishini ezinokuzifeza iimbopheleleko zabo kwaye ziyaqhubeka zihlangabezana neembopheleleko zabo ukuba umnini wabo oyinhloko akazange abizwe ngenkonzo yempi.
Ngubani ovumelekile kule mivuzo ye-VA?
Bonke abasebenzi bezempi abakhutheleyo, amaqhawe, abakhuselekileyo abakhuselekileyo benkonzo kunye nabafazi babo abaqhelekileyo okanye abahlolokazi bafanelekile kule mboleko. Amaqhawe afumana ukukhutshwa okungahlawulelwayo awafanelekanga kwiinkqubo zemboleko. Ukuba unabasebenzi abasebenzayo kwisithuba seenyanga ezili-12 zokuhlukana okanye ukuhlala phantsi kwiinyanga ezingama-24 zomhlalaphantsi, unako ukufumana ilungelo lokufumana inkqubo yeNkonzo yeNgxowa-mali ye-SBA. I-Reservists kunye neSizwe soLondolozo nabo banokufaneleka.
Ziziphi iintlobo zezo shishino ezivumelekile kule Mivuzo?
Ibhizinisi kufuneka libe ubuncinane ngama-51 ekhulwini anecala elilindelekileyo ngokweengcaciso ngentla. Uninzi lwamashishini anelisa iimfuno zokufaneleka, nje kuphela ukuba inkampani ayiyiyo ipiramidi , ishishini lokungcakaza okanye ishishini lokuboleka. Kwakhona, ishishini kufuneka libe yinzuzo yeshishini. Ukungenzi inzuzo akuvumelekanga.
Yintoni engayenza iNgxowa-mboleko?
Imali ye-SBA Express okanye 7 (a) mboleko ingasetyenziselwa iinjongo zoshishino . Umzekelo, unokongeza i- capital work kwi-shishini lakho, uhlawule iindleko zokuqalisa kwebhizinisi elitsha, izixhobo zokuthenga, uthenge i-estate yokuhlala kwi-shishini lakho ukuba uhlale, uhlalutye ukuthengisa, ukuqesha ulawulo lwezoshishino , ukwandisa ishishini lakho, usethe ukuthengisa iimpahla kunye neenkonzo kurhulumente (inkontileka), umisela ishishini lakho ukuba kwenzeke ukuthunyelwa kwakho, kwaye uphinde ufumane kwiintlekele ezivakaliswe njengeziphepho, iindubhu kunye neentshukumo.
Ndingayibhalela Imali Kangakanani?
Isixa semali onokuboleka sixhomekeka, kwinqanaba elithile, kwiziko elibolekayo ohlala kulo. Unako ukufumana imboleko enkulu, kodwa i-SBA iya kunika kuphela i-guaranty ukuya kwimida ethile yemboleko. I-SBA 7 (a) inkqubo inika u-guaranty wama-85 ekhulwini yemali ebolekwe kwi-150,000, kunye ne-75 ekhulwini yemali ebolekwe phakathi kwe-$ 151,000 ukuya kwi-3.75 yezigidi. Imali-mboleko ye-SBA Express ifumana i-50% ye-guaranty.
Indlela iNkqubo yeGunyaziso eSebenza ngayo
Ulawulo lweNcinci lwezoRhwebo aluyibolekisi imali imali kubalindi. Amaziko okuboleka njengeebhanki okanye iimanyano zeentengo zemboleko zenza iimali-mboleko. Urhulumente wesigqeba uqinisekisa umboleko wakho. Ukuba imali yakho mboleko ingaphantsi kwama-25,000 ayi-$ 25,000, akudingeki ukuba ube neebhondi . Ukuba liphakathi kwe-$ 25,000 kunye ne-350,000, iziko lokubolekisa lingasebenzisa umgaqo-nkqubo okhoyo wokubambisana .
Iirhafu zakho zenzalo ziza kuba zivela kwi-2.25% ukuya kwi-4.75% ngaphezu kwezinga lokubaluleka kwamanqanaba angoku. Unokuhlala uzama ukuxoxisana nomyinge omncinci wenzalo kunye nomboleki wakho.
Ukuba udinga uncedo ekufumaneni umboleki-mali, ulawulo lweShishini lweNcinci luneeofisi zengingqi kuzo zonke iinkonzo ezinokukunceda, okanye ungakhangela olu luhlu lweeofisi zendawo.
Ukuthunyelwa kunye ne-MREIDL Inkcitho
Xa "umqeshwa obalulekileyo" ebizwa ngokuba ngumsebenzi osebenzayo emkhosini, ishishini liba nelungelo lokuboleka imali ye-MREIDL.
Injongo yalo mboleko kukubonelela ngeendleko ezifunekayo zezoshishino ezingenakunikwa ngenxa yokuba umqeshwa obalulekileyo akakho kwi shishini. Injongo yalo mboleko ayiyi kubeka inzuzo inzuzo elahlekileyo. Injongo nje ukuhlawula iimbopheleleko nokubuyisela imali yokusebenza ukuze ibhizinisi liphile.
Ngaphambi kokuba umbolekiso we-MREIDL unikezwe yi-Small Business Administration, umthetho wesigqeba ufuna ukuba baphonononge ukuba ingaba ishishini linakho izixhobo zokuzibuyisela ngokwabo emva kokubuyiselwa kwabasebenzi abalulekileyo. Ukuba akunjalo, ke ishishini liyakulungelelwa mboleko. I-SBA imisele ukuba malunga neepesenti ezingama-90 zamashishini afaka isicelo sale mboleko ayikwazi ukuzimela ngokwazo.
Iinkcukacha zetyala
Inzala yomyinge kwi-MREIDL mboleko i-4 ekhulwini. Ixesha elide lemali-mboleko liyiminyaka engama-30, nangona oko kuxhomekeka kwiimeko nganye njengoko ixabiso lemali mboleko. Umboleko we-MREIDL kaninzi unamaxabiso angaphezu kwezigidi ezigidi ezingama-$ 2, kodwa ukungabikho kwemisebenzi kunokusebenza ngokuxhomekeke kwisixa soxinzelelo lwezoqoqosho kwishishini ngenxa yokubizelwa "ngumqeshwa obalulekileyo."
Ukubambisana kuyadingeka ukuba kukho kunye nekhredithi enhle . I-inshorensi yoshishino , kuquka ne- inshurensi yomshuwalense ukuba ibonisiwe, iyadingeka ebomini mboleko.