Imfuno yokufaneleka, inkqubo yokuboleka imali, kunye neminye imibuzo ephendulwayo
I-Small Business Administration (SBA) 7 (a) Inkqubo yesiqinisekiso sokubolekwa ngemali yenye yeenkqubo ezibolekileyo zemboleko ezinikezelwa yi-agqwetha kwaye yiprogram yemboleko yesiseko ye-SBA. I-7 (a) isiqinisekiso somboleko sinikezelwa kubabolekisi ukuba bazimisele ngakumbi ukuboleka imali kumashishini amancinci "ngobuthathaka" kwizicelo zabo zemboleko.
Ngokomzekelo, ukuqala komsebenzi akuyi kuba nomlando wokuhamba kwemali ukubonelela ngetyala ngemali yokuqhubeka nokukwazi ukuhlawula imali mboleko, ngoko i-SBA 7 (a) mboleko iya kunika umnini-mboleko nge-guaranty eyongeziweyo ngokungafi.
Kodwa i-SBA iyaxwayisa ukuba ababolekisi akufanele bamkele 7 (a) mboleko.
Ndingafumana phi i-SBA 7 (a) Inkcitho?
I-SBA 7 (a) imali-mboleko ye-$ 2 yezigidi, kunye ne-SBA mboleko ye mboleko engekho ngaphezu kwe-1.5 yezigidi (iipesenti ezingama-75). Imigaqo ye-SBA 7 (a) imali-mboleko ineminyaka engama-25 yokuthengwa kwezindlu kunye nezixhobo kunye neminyaka engama-7 ngemali yokusebenza. Iirhafu zenzalo zisekelwe kwisilinganiso sokuqala, ubungakanani bemboleko kunye nokukhula kwemboleko.
Ziziphi iimfuneko zokufaneleka kwi-7 (a) Inkcitho?
Iziqinisekiso zokufaneleka kwi-7 (a) mboleko ziquka:
- Iimfuno zoshishino kunye neempahla: Ibhizinisi lakho kufuneka lichazwe njenge "shishini elincinci" yi-SBA, kufuneka usebenze ngenzuzo ngaphakathi kwe-US okanye izinto zayo. Kufuneka ube neenjongo zokutyalombela i-asethi yakho kwi-shishini lakho, kwaye kufuneka ubonise ukuba umboleko ngumsebenzi wezandi. Kwakhona, akufanele uhlambele kuzo naziphi na izibophelelo zamatyala e-US (njengemali-mboleko yomfundi).
- Iintlobo zamashishini: Uninzi lweentlobo zamashishini zifanelekile, ngaphandle kohlobo lweempahla kunye namanye amashishini acabisayo, iinkampani ezibolekayo, iinkampani zentengiso yeepiramidi, iinkampani ezenza imisebenzi engekho mthethweni, kunye nezo ezingenanto inzuzo kwimvelo.
- Iinjongo zoshishino ezifanelekileyo : 7 (a) iimali-mboleko zingasetyenziselwa ezo njongo zoshishino njengokuthenga umhlaba okanye izakhiwo, izixhobo, umatshini okanye iimpahla; kwixesha elide okanye elifutshane elisebenzayo ; yokuhlaziya; okanye ukuthengwa kwebhizinisi elikhoyo.
Nantsi uluhlu oluninzi oluninzi lwemigaqo eyenza ishishini livumeleke kwi-SBA 7 (a) mboleko:
Ndingayifumana njani i-SBA 7 (a) Ingxowa?
I-SBA ayithengi ngokukodwa imali kumashishini amancinci; liqinisekisa umboleko, usebenze njengombhaliselwano.
Kumele uqale ufumene umboleki-mvume ovunywe yi-SBA kwaye usebenze ngokusebenzisa le mboleko. Umboleki uya kukucela ukuba ugcwalise isicelo se-7 (a) mboleko, kwaye uya kusebenza nomboleki kumaphepha afunekayo yi-SBA.
Kuthatha ixesha elide ukuthatha i-SBA 7 (a) Inkcitho?
Kunzima ukuchaza ngokuthe ngqo ukuba inkqubo yomboleko ingathatha ixesha elide kuba umboleko ngamnye uhlukile. Unokufuna ukucela umboleki wakho nge-SBAExpress mboleko, ngenani elincinci, elinokukhawuleza ixesha lokujika.
URobert Longley, uNgqongqoshe woRhulumente wase-US, uthi iMali-mboleko ye-Express kunye nezinye iintlobo zeemali-mboleko ze-SBA, zinokuxhaswa ngemali kwiintsuku nje ezimbalwa.
Ukuze uqalise, qhagamshelana neofisi ye-SBA yendawo yangasese kwaye ubuze malunga nababolekisi, okanye sebenzisa inkonzo ye-LBA ye-SBA evumela ukuba udibanise nabanini-mboleko abakwi-intanethi.