Ngaba Ingelosi Yotyalo-mali Ilungelo Lwamashishini Akho Amancinci
Ingelosi yotyalomali yindlela yokufumana imali- mali-utyalo-mali unikezela ngezimali ngokutshintshana ngokuthatha isikhundla sokulingana kwinkampani.
Ukuxhaswa kwezezimali ngokuqhelekileyo kusetyenziswa ngamashishini angabonakali angenawo ukuhamba kwemali eyaneleyo okanye yokubambisa imali yokubambisa imali kwiziko lemali.
Iingelosi abatyalo-mali bazalisa i-gap phakathi kwe-financing-scale scale enikezelwa yintsapho kunye nabahlobo kunye nabaxhasi bemali . Ukutsala Iingelosi abatyalo-mali abasoloko kulula, kodwa kukho izinto onokuzenza. Okokuqala, kufuneka uqikelele ukuba ingelosi isetyenzisile ngokwenene.
Iingenelelo kunye neentsilelo ze-Angel Investors kubanikazi beShishini
Inzuzo enkulu kukuba ukuxhaswa kwemali evela kwindalwe-mali kuyingozi kakhulu kunokuba ityala imali. Ngokungafani nemboleko, inkunzi-mali ayiyi kuhlawulwa xa kwenzeka ukungaphumeleli kwezoshishino. Kwaye, uninzi lwabatyalo-mali bezithunywa-mali baqonda ibhizinisi kwaye bathatha ixesha elide. Kwakhona, isithunywa sotyalo-mali sisoloko sifuna ithuba kunye nokutyalomali.
Iingxaki eziphambili zokusebenzisa abatyalo-mali bezithunywa zexabiso kukulahlekelwa kolawulo olupheleleyo njengenxalenye yomnikazi.
Isithunywa sakho sotyalo-mali siza kuthetha ukuba ibhizinisi liqhutywe njani kwaye liya kufumana inxalenye yeenzuzo xa ishishini lithengiswa. Ngetyala lezimali, i-lending institution ayikwazi ukulawula imisebenzi yeenkampani yakho kwaye ayiyi kuthatha inxaxheba yeenzuzo.
Imithombo yabatyalo-mali bezithunywa zezulu
Iingxowa-mali zengelosi zivela ngoku:
- Intsapho kunye nabahlobo - oku kungumthombo oqhelekileyo weenkxaso-mpahla zokuqalisa ukushishina , abanomdla ekufumaneni i-Business Start Start Up Imali kwaye yindlela yokhetho kuphela. Ukunikezelwa kwezinga eliphezulu lokungaphumeleli ngamashishini amatsha , kusemngciphekweni ngokwempembelelo enokwenzeka kwiintsapho / ubuhlobo bomhlobo ukuba ishishini aliphumelelanga. Kubalulekile ukuba uphambili malunga nobungozi bokungaphumeleli.
- Abantu ababutyebi - omnye umthombo ontle uphumelela kubantu boshishino, oogqirha, oorhulumente kunye nabanye abanomthamo omkhulu kwaye bazimisele ukutyalomali (ngokuqhelekileyo) i-$ 500,000 ngokubuyisela ubulungisa. Ngokuqhelekileyo oku kwenziwa ngezwi ngomlomo ngokusebenzisa amaqabane ebhizinisi okanye imibutho efana neCandelo lezoRhwebo.
- Amaqela - iingelosi ziyaqhubeka zisebenza njengenxalenye yesithunywa seengelosi (iqela lezithunywa-mali zithunywa-mali), ephakamisa izinga labo lokutshala imali ngokufanelekileyo. Abatyalomali banikela ngemali kwi-syndicate kunye neqela lolawulo lwe-syndicate iqela elikhetha utyalo-mali. Indlela yokufumana i-Angel Angel Investment , inikeza imizekelo yamaqela aselosi aseCanada asebenzayo.
- I-Crowdfunding - ifom yeqela le-inthanethi lokutyalo-mali, ukuxhaswa kwabantu kubandakanya ukukhulisa inkxaso ngokuba namaqela amaninzi abantu abatyala imali njengento encinci njenge-$ 1,000. Ukuba le ndlela iyakuthanda, unokufunda malunga neendawo zangoku ze-crowdfunding eCanada ukuze ufumane ingqiqo yendawo yokuhlaselwa kwezihlwele namhlanje.
Xoxa Ngaphambi kokugqiba
Kubalulekile ukuba nawuphi na umntu osomashishini ucinge ngokuvuma i-angel ingeniso ngokucacileyo malunga noko umtyalo-mali uzisa kulo mbandela ngaphandle kwemali, kwaye ukuphuhlisa ukuqonda oko isithunywa-mali-mali angathanda ukusebenzisana nayo.
Kwakhona kubalulekile ukuba nesicwangciso soshishino olubanzi kwindawo. Njenge shishini elincinci, uya kufuna loo nto ukuze ufumane inkxaso-mali evela kubalimi okanye abatyala-mali.