Iingxowa-mboleko kunye nezoshishino (i-C & I) ziyimali-ebalulekileyo kunye nenxalenye ekhulayo yeminikelo yasebhanki yase-US yamashishini.
Ukususela ngo-Matshi 2018, ngaphezu kwe-2,122 yezigidi zezigidi-mboleko kwiingxowa-mboleko zikhona, ukusuka kwi-$ 1,065 yezigidigidi ngo-2000.
Kutheni i-C & I iboleka imali? Ngokutsho kweAmerican Banker, "Ukuboleka kwebhanki kubaluleke ngokukodwa kumashishini amancinane angakwazi ukuxhasa imali ngokukhupha izibophelelo okanye isitokisi." Ngenxa yokuba zithuba elifutshane, ezi mboleko zisetyenziselwa ngokubanzi imali yokusebenza okanye ukuthengwa kwezixhobo eziyinkunzi ukuqala okanye ukwandiswa, kungabandakanyi indawo yokuhlala.
I-C & I Imali yeeNgxowa neNgxowa-mali
Iimali-mboleko ze-C & I zithandwa ngenxa yokuba kulula ukuthabatha ityala ngokufumana imali mboleko yezoqoqosho kunokuba kubekho abatyala-mali. Kuthatha ixesha elide kunye nemali ukuqokelela abatyala-mali, kwaye abatyala-mali bathetha ukuba omnye umntu ukhangele ehlombe lakho.
Ukukhula kwezezimali kunye nokwanda ngokusebenzisa ityala-mboleko ye-C & I-inokukwenziwa ngokukhawuleza ukuba unamaphepha afanelekileyo okubambisa kunye neentengo zemboleko. Ukungalungi kwetyala kukuba kufuneka kuhlawulwe, kwaye inkonzo yematyala (iindleko zenzalo) inokuphakanyiswa.
Ibhizinisi lakho kufuneka liqhubeke nokuhlawula imali mboleko, kuthathe imali efunekayo yokusebenza.
Yintoni i-C & I Imali eSebenzisiweyo?
Kukho amaxesha ebomini kwishishini elincinci xa kukho imali eyongezelelweyo xa kufunyanwa i-C & I mboleko ingaba luncedo:
Inkunzi yomsebenzi. Imali-mboleko yemali-mali yokusebenza iyimali-mboleko yexesha elifutshane ukuncedisa ishishini ngeemfuno zokuhamba kwemali.
Izihlandlo ezibini ebomini boshishini xa kunokufuna imali eyongezelelweyo kuqaliswe kwaye ngexesha lokunyuka. Kule maxesha, ukuphuma kwemali kukukhulu kunemali ezayo, de kubekho abathengi abatsha kunye neentlawulo ezingenziwa.
Inkxaso-mali. Ukwandisa nokukhula, amashishini amancinci adinga izixhobo ezintsha kunye noomatshini kunye nezinye izinto ezinkulu (impahla). Umboleko we-C & I unokunceda ukuvula indawo yokugcina impahla, ukumisa umgca wokuvelisa, ukulungisa okanye ukulungiswa kwiindawo ezikhoyo, ukubonelela ngevenkile yokuthengisa, okanye ukuthenga uluhlu lwemveliso.
Ukufunyanwa kunye nokudibanisa . Ibhizinisi lakho lingafuna ukujoyina umthengisi ukuvelisa umkhiqizo omtsha okanye ukudibanisa nomncintiswano kwi-joint venture. Ukuxhaswa kwezi shishini zisebenzisana ne-C & I mboleko yindlela efanelekileyo yokukhula kwishishini lakho.
Yintoni endiyifunayo yokufumana i-C & I Loan?
Yobambiswano. Njengoko kuphawuliwe ngasentla, kuya kufuneka udityaniswe -impahla ongayifaka isandla ekufumaneni imali mboleko. Ukuba uthengisa izixhobo okanye izithuthi, zingasetyenziselwa ukuthenga.
Iziqinisekiso Zomntu . Ukuba unesimo sokuqalisa, unganakho ukuxhamla. Kunzima ukufumana umboleko weC & I ngaphandle kokubambisa, kodwa unako ukufumana umboleki-mboleko oza kuthatha isiqinisekiso somntu siqu. Unokufuna ukuba uthembise ezinye iimpahla zakho.
Co-signer . Ukuba konke okuhlulekayo, unokukwazi ukufumana umntu oza kubhalisela umboleko wakho we-C & I. Lo mntu uya kufuneka abe neyakhe impahla okanye ishishini lokusebenzisa njengesiqabane.
Amaphepha kunye nesicelo. Uya kufuneka uzalise ipakethe yamaxwebhu omboleko. Okokuqala, uya kufuna isicwangciso seshishini esibonisa imali oyifunayo, oko kuza kusetyenziselwa yona, nendlela uceba ukuyibuyisela ngayo. Uzakufuna kwakhona iingxelo zemali ezibonisa ukusebenza kwakho kwangaphambili kweshishini kunye nezoshishino (kwaye mhlawumbi umntu) ukubuyiswa kwentela iminyaka emininzi.
I-C & I Imali-mboleko ithelekisa njani namanye amaRhafu?
Ezinye izibophezelo zoshishino onokuziqwalasela:
Imali- mboleko ye- Real Estate (CRE) yintengo yokuthengwa kwezoshishino; zilingana nemboleko yokubolekwa kwempahla yendawo yokuhlala. Ezi mboleko ziyimali-mboleko yexesha elide, isebenzisa i-real estate njengobuncwane.
Umda weTyala. Umgca wekredithi yindlela yokubeka imali kwi-akhawunti yakho yebhanki yebhanki, kwaye inzuzo yalo kukuba uhlawula umyinge kuphela kwimali oyithandayo. Umgca wesikweletu unokukhuselwa okanye awukhuseli, ngokusekelwe kwiimeko; Ikhredithi engavumelekanga ixhaswa ngemali kwizinga eliphezulu.
Factoring yindlela yokufumana imali ngokusebenzisa iakhawunti efunyenwe njengobuncwane. Iimali ezifunyenweyo zihlawulelwe kakhulu, kodwa unokufumana imali ngokukhawuleza.
Ngaba Ndinokufumana I-SBA C & I Imboleko?
Ngoxa i-Small Business Administration (SBA) ayibolekisi ngokuthe ngqo kumashishini, unokukwazi ukufumana uncedo lwe-SBA ngomboleko weC & I. Unokufuna ukucinga ngemboleko e-504 eqinisekisiwe ye-SBA, engasetyenziselwa izixhobo okanye ukwandiswa. Eli nqaku elivela kwi-Balance linolwazi kwiinkalo ezininzi zezi nkqubo zembolekiso eziqinisekisiwe.