Ingaba ngabaTyalo-mali beNgelosi banokunceda ibhizinisi lakho elincinane
Izityalo-ntengiso zithunywa zizityebi zabantu okanye amaqela abantu abathile abatyala imali okanye ukulingana ngemali ekuqaleni okanye ekuqaleni kwexesha amashishini amancinci. Abatyala-mali abasoloko banikezela ukulingana kwangasese okanye inkxaso-mali yesibini yokukhula, amashishini amancinci anenzuzo afuna imali ukuze aqhubeke ekhula. Emva kwentsapho kunye nabahlobo, kunye nomnini-shishini lomncinci, unikezele ngemali imbewu kwiinkampani zokuqala, iinkampani kufuneka ziphenduke kwiityala okanye imali yokulingana ukuze kuphile kwaye kuqhube phambili.
Ukuba ukuhlawulwa kwetyala akufumaneki ngenxa yeemarike ezixininisiweyo zemarike okanye umngcipheko wokuba utyalo-mali, ke abatyali-mali kunye nolwabiwo-mali oluzimeleyo luya kuba ngumthombo olandelayo wokuxhaswa ngemali, ukuba ukhona.
Yiyiphi Inqwenela umTyalo-mali ukuba abe yingelosi?
Ngubani ootyalo-mali? Akumelwe ukuba babe ngabatyalo-mali abavunyelweyo njengoko kutyunjwe yiKhomishana ye-Securities and Exchange (ISibini). Nangona kunjalo, inkoliso yemali evela kwizithunywa zezithunywa zithunywa zivela kubaphathi-mali abavunyelweyo. Abatyalomali abamkelekileyo, njengoko kuchazwe yi-SEC, kufuneka benze okungenani i-$ 200,000 kwingeniso kwaye ubuncinane ubuncinane be-$ 1 yezigidi kwiimpahla.
Ezinye izithunywa zezulu ziyingxenye yezithunywa ezityalwa ngelosi. Abanye bebodwa. Ezinye iingelosi ziyazi kakuhle ngokutyalomali kwiinkampani ezizimeleyo. Ezinye zihamba ngehlalo zazo. Ezinye iingelosi zifuna ukubandakanyeka kwiinkampani abazityala ngazo. Abanye abakhathaleli nayiphi na inxaxheba okanye ininzi. Iingxowa-mali zengelosi azikho iqela elifanayo.
Iingelosi abatyalo-mali bonke banezinto ezifanayo, nangona kunjalo. Baya kufaka imali kuphela kumashishini amancinci apho bacinga ukuba banokufumana imali ephezulu yokutshala imali- mhlawumbi ibe phezulu kuma-20% -40%.
Ingelosi Ixhaswa Njani Umsebenzi?
Izityalo-mali zithunywa zezulu zivame ukutyalo mali ukusuka kwi-25,000 ukuya kwii-50,000 zama-shishini kuma-shishini amancinci.
Ngomjikelezo wesibini wezemali zorhwebo elincinci, oku kunengqiqo ngakumbi kunokuya kwindlela yokuqhuba imali . Abaxhamli bezentengo banqwenela ukwenza utyalo-mali olukhulu-kwizigidi zeedola. Ngenxa yezinga eliphezulu kakhulu lokungaphumeleli kwamashishini amancinci, abatyali bezithunywa-mali kunye nabaxhasi bemali bafuna ukubuyela ngokugqithiseleyo kwiimali zabo; kaninzi, bafuna amaxesha angama-10 ukuya kumaxesha angama-30 inani abalitshalileyo. Iinkampani ezintathu ezidumileyo ezaqala ngelokutyalwa kweengelosi yi-Amazon.com, i-Starbucks, Inc. kunye ne-Apple.
Yinkqubo enzima kwaye ichitha ixesha ukukhusela ingelosi. Iingelosi abatyala imali bathatha umngcipheko omkhulu kwi-venture engavumelekanga. Iingelosi zidinga izicwangciso zoshishino oluzinzileyo. Baqhuba ngokunyamekela, benze uhlalutyo lokukhuphisana, kwaye ekugqibeleni bachithe ukuya kwi-90% yezicelo abazifumanayo. Abanini bamashishini abancinci banokuthi benze iindidi ezahlukeneyo zentetho kwi-angel angel investor okanye iqela ukuze likhusele ukutshalwa kwezolimo.
Ufumanaphi i-Angelo Angel Finance?
Unokufumana ingelosi yakho kwi-intanethi okanye kufuphi nekhaya. Ukuba ufuna ukuqala uphando lwakho kwi-intanethi, unokwenza ukhangele i-Angelsoft, inethiwekhi yetyala lomninimzi. Ukuze uhlawule, unokwenza i-pitch online.
Kwakhona isayithi elungileyo ukuba ukhangele kwaye ufumene oko kufuneka uyenze ukuze wenze i-pitch.
Abahlalutyi bezimali abaninzi, ke, bancome ukuba uzame ukufumana ingxowa-mali yezalamane kufuphi nekhaya. Zama i-Chamber of Commerce yakho. Abameli beeNgingqi, i-akhawunti, kunye neebhanki banokukwazi ngeengelosi kwingingqi yakho. Ezinye izithunywa zithunywa-mali zifuna ukubandakanyeka kwinkampani abafaka ngayo imali. Basenokuthi, umzekelo, bafuna isihlalo kwiBhodi yabaLawuli. Njengomnini-shishini lomncinci, ungasebenzisa ubuchule ebhodini lakho kunye nokufikelela kwelinye i-round round finance. Enye indlela yokufumana inkxaso-mali yeengingqi kukuqala kwiwebhusayithi ye-Angelo Capital Association, ebhala intengiso yabatyala ngurhulumente.
Ukuxhaswa ngemali evela kwindwendwe-mali-mali kuyinkqubo enzima. Iingxaki zide ukuba uza kuphumelela.
Nangona kunjalo, unokwenza unxibelelwano oluhle kakhulu ekufumaneni inkxaso kwixesha elizayo. Unokuhlangana nabantu abanokukunika iingcebiso zoshishino. Kuye ukuhamba kwinkqubo yokunikezela ngeentetho ezininzi kubaluleke kakhulu kwikamva. Unokuzikhusela kuphela eso sithunywa sezimali esikufunayo.
Kukho iintlobo ezithile zamashishini amancinci athe isithunywa-mali sithunywa-mali sikhetha ukutyalo-mali. Ngokuqhelekileyo zishishino ezitshisa, ezikhulayo ngokukhawuleza kwaye ziguquka ngezikhathi njengoko uqoqosho kunye neemfuno zezoqoqosho ziguquka.