Ziziphi iinkcukacha endizifunayo kwiSicelo seMali yeMali?

Xa uya ebhanki okanye kwi-Small Business Administration (SBA) kwi-mboleko yezoshishino, kuya kufuneka ukuba ugcwalise ifomu yesicelo semboleko. Kumele unikezele ngolwazi oluninzi kunokuba ungacinga, kwaye ukwazi kwakho ukubonelela ngeenkcukacha ngokukhawulezileyo kunokuthetha umahluko phakathi kokufumana mboleko okanye cha. Ukusebenzisa ifomu le-SBA yeFomu 4 - Isicelo seShishini seShishini njengesikhokelo, nantsi ulwazi olufunekayo ukubonelela:

Ziziphi iinkcukacha endizifunayo kwiSicelo seMali yeMali?

1. Ulwazi malunga neshishini lakho , kubandakanya igama lebhizinisi kunye needesi, igama lakho, uhlobo lweshishini, ishishini lomhla elisekwayo, iNombolo ye-ID yerhafu ( Inombolo yesazisi yomqeshi ) okanye iNombolo yoKhuseleko loLuntu (ukufumana indawo eyodwa)
2. Inani labasebenzi , ngoku kwaye ukuba imboleko ivunyiwe
3. Igama kunye nolwazi malunga nebhanki yakho yebhanki
4. Ukusetyenziswa kwemali (imali yazo zonke izinto ezifanelekileyo, kunye nepheleleyo):
   • ukufumana umhlaba,
   • ukwakhiwa okusha / ukwandiswa / ukulungiswa,
   • ukufumana okanye ukulungiswa kwemishini kunye nezixhobo,
   • yokuthenga,
   • iindleko zokusebenza (kubandakanywa neakhawunti ezihlawulwayo),
   • ukufunyanwa kwezoshishino ezikhoyo,
   • ukuhlawula umboleko okhoyo.
5. Ulwazi malunga nekotyala lakho langoku, elingaphambili, nelingalindelekanga, kubandakanywa iimali-mboleko ze-SBA kunye namanye amatyala karhulumente
   • Igama lomboleki
   • Igama lomthengisi kunye nolwazi
   • Imali yokuqala yoboleko
   • Umhla wesicelo
   • Ibhalansi yangoku
   • Inani lomdla
   • Umhla wokukhula
   • Intlawulo yenyanga
   • Ukhuseleko lunikwe
   • Isimo semboleko (nokuba imboleko ikhoyo okanye idlulileyo ngenxa okanye ihlawulwe)
   • Ibhalansi esiyekile
   • Ukuba i-mboleko ibangela ukulahlekelwa nguRhulumente okanye omnye umboleki, inani lokulahleka

1. Ulwazi malunga nokuphathwa kweshishini . Kwi-100% yobunini, kufuneka ufake igama kunye needesi kunye neepesenti. Unokufuneka kwakhona ukuba unikezele ngolwazi lwabantu (ubuhlanga, ubuhlanga, isimo sobudala, isini); olu lwazi lunokunceda ibhanki ibone ukuba ufanelekile naziphi na iinkqubo ezikhethekileyo zemboleko ze-SBA. I-resume yesigqeba ngasinye, ilungu lebhodi kunye nabanye abasebenzi abalulekileyo bangacelwa.

1. Ulwazi lomntu siqu kunye nezemali malunga nabo bonke abanini-nxaxheba (kunye ne-20% okanye ubuninzi bobunini), amagosa, amaqabane, abanikazi, kubandakanywa isitatimende sezemali.
2. Ulwazi oluchanekileyo malunga neempahla ezinikezelwa njengebhondi. Ngokomzekelo, inkcazo esemthethweni ye-real estate, iinombolo zeenombolo / iinombolo ze-id kuzo zonke izixhobo zokusetyenziswa kwemishini, izixhobo, ifenitshala kunye nezinto zokusebenzela, iirekhodi ze-inventory, iingxelo ze-akhawunti eziguga . kunye nezinye iirekhodi njengoko kufuneka.
3. Imbali emfutshane yenkampani kunye neenzuzo eziza kuzuza kwiimali.
4. Enye kwiminyaka emithathu yolwazi lwezemali oluxeliweyo kwishishini, ibonisa imiphumo yemali.
5. Ekugqibeleni, kuya kufuneka ukuba unikezele ngolwazi ngembali yezemali yoshishino kwiminyaka emithathu edlulileyo, ukuba kunokwenzeka, kubandakanywa i-balance tax returns, kunye neengxelo zengeniso.

Ezinye zeenkcukacha zingabonelelwa kwisicwangciso sakho seshishini , kodwa qiniseka ukuba ufumaneke kwindawo ethile kumboleki wakho okanye kwi-SBA.

Buyela Ekulungiseleleni Imveliso Yemivuzo Yoshishino