Amathuba aKhulu okuBhanqa iGap yokuThengwa kweeNkampani ezincinci
Oku kuyintloko ekufezekeni ukuzinza.
E-US, nangona kunjalo, iqela elincinci liye lingazange lithandeke kwilizwe loshishino ngenxa yesinye isizathu okanye esinye. Oku kuye kwabenza bahleka emva. Nangona kunjalo, kunjalo, iipesenti ezili-15 zazo zonke iirhwebo (malunga nezigidi ezingama-30) eziphantsi kwe-US zizezona zincinci.
Enye yemingeni eyenziwa yiqela elincinci ukufikelela kwi-capital ukuba iqalise okanye kwandise amashishini abo. Inkqubo yokwamkelwa ngamanye amaxesha kufuna amaxwebhu amaninzi kwaye oku kubenza banciphise amaninzi kubo ukuba baphucule kwaye basebenzise izakhono zabo zokurhweba.
Nangona kunjalo, njengangoku, kukho iindlela ezininzi ezame ukukhawulela igalelo lezemali elikhoyo ngokubonelela ngemali-mboleko kumashishini amancinci. Nanku ukujonga ngokukhawuleza kwiintlobo zemali-mboleko kumashishini amancinci ukuba nayiphi na into encinci ingayifaka isicelo ukuze ihlawulwe ngokukhawuleza ukuba iqale okanye ikhulise amashishini abo.
I-Fund-Black Loan Fund (i-BBLF)
Sonke siyazi ukuba e-US xa kuziwa kumaqela amancinci, abantu baseAfrika okanye abamnyama baseMerika benza ininzi yoluntu. Oku kuguqulela nenani lamashishini akhoyo kwimarike. Ngaloo ndlela, kukho imfuneko yokwenza indlela ehamba phambili kubo bonke oosomashishini abanemvelaphi yaseAfrika xa kuziwa ukuqala kunye nokwandisa amabhizinisi abo.
Esi sizathu esona sizathu esenza ukuba imali eyimali yokubolekwa kwemali yabamnyama iqaliswe. Kwiminyaka edlulileyo, abaninzi base-Afrika baseMelika baye babenzima xa kufikeleleke ekufikeleleni kwimali enkulu kwaye oko bekuye kwayithintela inkqubela phambili.
Ukuze ufanele ukufumana le mboleko, okokuqala, umntu kufuneka abe nama-51 ekhulwini wexabiso elipheleleyo le shishini kwaye ishishini kufuneka lisebenze kwiminyaka emibili edlulileyo. Akukho nkonkcoko efunekayo kuzo zonke iintlobo zemboleko. Kufuneka nje wenze isicelo kwaye konke oko. Kukho ezimbini iintlobo zemali-mboleko ezinikezwa ngxowa-mboleko yomthengi omnyama; imali-mboleko ngqo ukuya kuma-100,000 e-$ 000 kunye neziqinisekiso zemboleko eziya kuma-100,000. Ukuba lakho ishishini liyimpahla yaseAfrika-yaseMerika, oko kungokuba yenye yemali-mboleko onokuyenza ngokukhawuleza.
Imali-mboleko ye-Community Benevantage
Ulawulo lweNcinci lwezoRhwebo lidlala indima ebalulekileyo ekuqinisekiseni ukuba amaqela amancinci ase-US angakwazi ukufikelela kwiimali mboleko ngaphandle kokuba nenani elikhulu kwibhalansi. Oku kufanelekileyo kumashishini amancinci kuba abaninzi babo abanalo ibhalansi ekhangayo kwiakhawunti zabo. Okwesibini, ezi mboleko zentlalo-mboleko ayiyidingi umntu ukuba abe neenjongo zokuboleka imali.
Into kuphela enokuthi ibe yinto engathintelo kwinqanaba elithile yinkalo yokuthenga ngetyala . I-SBA ifuna ukuba nayiphi na umenzi wesicelo akufanele abe nekhredithi embi.
Nangona kunjalo, amaninzi amacandelo amancinci anelungelo lokuthenga ngetyala kwaye ngoko, unokukwazi ukufumana le mboleko kunye nokukhuthaza amashishini abo. Okufunekayo kuwe kukufumanisa umboleki-mboleko onokukunika inani lemali-mboleko oyifunayo kwaye uhambise amaxwebhu afanelekileyo kwi-SBA okanye umboleki-mali angathatha amaxwebhu egameni lakho. Ngokuqinisekileyo ukukhawuleza ukufumana le mboleko kusukela i-SBA iqinisekisa umboleki-mali ukuya kuma-85 ekhulwini yemali ebolekiweyo. Abanikazi bamashishini abancinci banokuzonwabisa nalo hlobo lwemali mboleko kwi-SBA nanini na.
Imali-mboleko yezoLimo
Le nenye indlela ebalulekileyo ukuba nayiphi na incinci inokufaka isicelo kwaye ithole imboleko yemicimbi yezoshishino .
Imboleko inikezwa ngumbutho ongekho urhulumente othiwa nguAccion. Le ntlangano ezinikezele ngokuzeleyo yokunyanzelisa bonke abancinci kungakhathaliseki ukuba imvelaphi yabo okanye ubuhlanga. Le mboleko nayo ayiyikuthintela kwaye ngoko isetyenziselwa ukwenza nayiphi na ishishini lorhwebo obolekayo ukuba angene kuyo. Ngaphezulu kwemboleko, i-mboleko yebhankini ephantsi kwe-Accion iza kunye nezikhokelo zoshishino ezijoliswe ukuqinisekisa ukuba umboleki ufumana isatifiketi kwishishini labo njalo njalo. Iimfuno ezincinane ziyakwazi ukufumana inzuzo kumasifundisane e-intanethi ukuba le nkqubo ye mboleko ifike. Ukuba ishishini lakho li-Afrika-laseMelika, elinomnini wase-Asia wase-Asiya, umntu onguMthonyama waseMelika okanye nayiphi na inxalenye yeqela elincinci, kunye nenkqubo yemboleko yeshishini elincinci elivela kwi-Accion liya kuba luncedo olukhulu kuwe.
Inkqubo yokuThengiswa kweeNkcubeko
Le ngenye yeenkqubo eziye zahlangula zonke iinkampani ezincinci kwiinkathazo zezemali. Injongo yale nkqubo yayikunceda ukukhupha amabhizinisi amancinane ukuba afanele ukubolekwa kwemali-mboleko yoshishino ukuze akhulise amashishini abo. Le mboleko ihlinzekwa yiBhanki ye-Union kunye nomntu ofanelekileyo; yena / kufuneka awele phantsi kwecandelo lomncinci phantsi kohlobo lobuhlanga kunye nobuhlanga, ibhizinisi elisebenzayo kwiminyaka emi-2 edlulileyo, liqhuba ubuncinane ama-51 ekhulwini kweshishini kwaye uboleka ngaphantsi kwe-2.5 yezigidi ze-USD. Oku kuthetha ukuba zonke iLatinos, i-Hispanics, i-American Indian, i-Asia kunye ne-Afrika yaseMerika inokukwazi ukufumana inkqubo yokubolekwa kweentlobo ngeentengiso ngebhanki ye-Union. Iimfuno kulula ukuhamba kunye kwaye azidingi kakhulu kunoma yimuphi umncinci. Konke okufuneka ukwenze ukufaka isicelo semali mboleko kwi-intanethi, ngenise iinkcukacha zebhishini lakho kwaye ulindele ukuba umboleko uza.
I-National-African American Micro Business Loan Fund
Ngenxa yokuba abaninzi abantu base-Afrika-baseMerika abakwazi ukufikelela kwimali-mboleko yemveli ngenxa yezizathu ezininzi ezifana nokulinganiswa kwamatyala aphantsi kunye nokunye, isikhungo sophuhliso loqoqosho lwentlambo ngokubambisana neJPMorgan Chase sakhupha ngengcamango malunga nendlela yokunceda ama-Afrika aseMelika. ngokwemali yokufikelela kwi-credit okanye mboleko. Olu hlobo lomboleko okwangoku lusebenzisana nabancinci base-Afrika-baseMerika abahlala eNew York, eChicago naseLos Angeles kodwa kungekudala baya kwandisa kwezinye iindawo. Bonke abantu base-Afrika baseMelika bangafikelela kalula kwimali-mboleko phakathi kwama-$ 35,000 kunye nama-250,000.
Into enhle malunga nale mboleko kukuba ayifani naluphi na uhlobo lweempahla eziqhotyoshelweyo. Imboleko yebhizinisi eguquguqukayo obolekiweyo abanokuyisebenzisa ukuze banwebise ishishini, bathenge imishini okanye nayiphi na into ekhoyo. Konke okufuneka ukwenze kukuba wenze isicelo semali-mboleko kwi-intanethi ngokugcwalisa iinkcukacha zakho ezisisiseko malunga nawe kunye nohlobo lweshishini ozimisele ukuqhuba okanye okwangoku lusebenza. Ngaphezulu, uya kufuneka ukuba uchaze inani lemali ofuna ukuboleka kwaye abanye baya kulandela.
Inkqubo yeNgxowa-mboleko yokuShishino
Ukuba ungumncinci ohlala kwimimandla yasemaphandleni, ngoko akufanele ukhangele nayiphi na enye imvelaphi yokuxhaswa kwemali ngaphandle kweShishini seMali-mboleko yokuShishino. Le yinqanaba elinika isiqinisekiso somboleko wesikarhulumente sokuba nayiphi na incinci ithatha kubaboleki. Xa usondela kumbolekisi onokukuboleka ngetyala, uze uzalise amaxwebhu uze ubonise iofisi yophuhliso lwendawo yasemaphandleni. Inzala yemali mboleko ixoxwa kwaye iyavunyelwana phakathi komboleki kunye nomboleki kwaye le nkqubo ayidlala nxaxheba xa ifika kumlinganiselo wokumisela umlinganiselo.
Nangona kunjalo, ukwenzela ukuba nabani na abafanele ukufumana le mboleko yebhizinisi , yena kufuneka abe ne-creditworthy ukuqala nangona iboleko ziya kuqinisekiswa ngale nkqubo. Umbolekayo kufuneka abe nombambano obuncinane ngokulingana nomlinganiselo wemboleko mboleko. Kwakhona kubalulekile ukukhangela umboleki-mali olawulwayo ukuze agweme nayiphi na ingxaki ngale nkqubo ye mboleko. Ekubeni le mboleko iqinisekisiwe nguRhulumente , wonke umbolekisi uya kuba ulungele ukuboleka kwaye yilapho ababolekayo kufuneka bawele khona kwaye bahlolisise ukuba ngaba umboleki umbuzo olawulwayo ulawulwa.
Imali Yentengiso Yabancinci Yamancinci
Inani lama-Hispanics e-US liye landa imihla ngemihla kwaye oku kuthetha ukuba inani lamashishini anecandelo le-Hispanics liyakhuphuka. Ngenxa yoko, abantu baseSpeyin bahlanganisene ukuze baqinisekise ukuba abazalwana kunye noodade babo banokuphumelela kwihlabathi lezo shishino ngokunikela ngembolekiso encinci kunoma yimuphi umfaki sicelo waseSpain. Inkunzi yaseBalboa njengeyomnini kwaye iqhutywe yi-Hispanics, ngoko ke, idalile kwaye inikezela iqonga lokuqinisekisa ukuba imali okanye ingxowa-mali inokufumaneka kuyo nayiphi na iSpanishi efuna ukuqala okanye yokwandisa ishishini labo .
Ngokungafani nezinye iimali-mboleko ezibandakanya ezininzi iimaphepha kunye neemfuno, i-capital yeBalboa ikhuphe nayiphi na le ngxaki. Inkqubo yesicelo ikhawuleza kunye nokuvunyelwa. Konke okufuneka ukwenze ukuhambisa isicelo sakho kwi-intanethi ngokubonelela ngeenkcukacha ezimbalwa kwaye ulindele imvume. Yile ndlela indlela elula ngayo inkqubo. Akukho zithintelo ukuba ungumntu waseSpain xa kuziwa ekufumaneni imboleko yoshishino .
I-ATNI Loan Fund
Le yinye ingxowa-mali yokuxhasa ngemali yoluntu ngokungeyona inzuzo ngenjongo yokuxhasa amashishini aseMelika-Amerika ukuba atyule kwaye afinyelele iinjongo zawo ngokubonelela ngokukhawuleza nangokulula indlela yokufumana imali ngokukhawuleza. Into enhle malunga ne-ATNI Loan Fund kukuba unokunika umntu obolekayo imali epheleleyo okanye ngamanye amaxesha abe ngumphakathi phakathi koboleki kunye neziko lemali. Le ngxowa-mali esekelwe kuluntu inikeza iintlobo ezahlukeneyo zemboleko zoshishino kuye kuxhomekeke kwiimfuno zomboleki.
Benza iikhredithi ngqo ngaphandle kokuthatha inxaxheba oko kuthetha ukuba ukuba isikhungo semali asifumaneki, i-ATNI Loan Fund ihlawula iipesenti ezili-100 zoshishino ekuqaleni ukuba i-enterprise ibe nenzuzo kwaye ngoko i-creditworthy evela kwamanye amaziko. Kukho umboleko othe ngqo kunye nokuthatha inxaxheba apho inani elithile lemali linikezelwa yibhanki. Nangona kunjalo, ngokungafani namanye amashishini amancinci angenayo imingcele yemboleko, iintlanga ezibandakanyekayo ze-Indiya eziMntla-ntshona zeMali mboleko ziza nemingcele ethile malunga nendlela umntu angasebenzisa ngayo imali eyinikwe.
Imali Yemali Yemali YaseLatino
Ukuba ungowomncinci eMinnesota, i-Latino yoPhuhliso lwezoQoqosho iya kubaluleka kakhulu kuwe xa ufuna ukufumana imali ebolekileyo yokwandisa ishishini lakho . Banikezela iintlobo ezahlukeneyo zemboleko ukuze bahlangabezane neenketho ezahlukeneyo. Ngokomzekelo, kukho umboleko wemali-mveliso eyenzelwe ukufumana abo bafuna ukubandakanya imisebenzi yamancinci . Kukho uhlobo lokubolekisa olubolekileyo olusebenza kulabo banyanisekileyo abafuna ukwenza uhlobo loshishino. Ukongezelela, kukho iprojekthi yokuphuhliswa kwempahla yendawo yokuhlala kumalungu amancinci ayenayo okanye aqhuba uhlobo lwentengiso yezoqoqosho.
Imfuno yokufumana ezi mboleko ziquka; isicwangciso seshishini , isitatimende sezemali soshishino kwiminyaka emi-2 edluleyo, ingxelo yengxelo yemboleko kunye nawaphi na amanye amaxwebhu afanelekileyo ukuba umboleki uqhuba ubambiswano okanye intsebenziswano. Ekugqibeleni, kuya kubaluleka ukwazi ukuba iimali-mboleko zabo ziyanqandeka ngendlela kwaye ke umntu obolekayo kufuneka achaze indlela umboleko oza kusetyenziswa ngayo okanye oko kuza kusetyenziswa.
Kukho amathuba amaninzi emali ininzi labancinci abasayi kuphanda. Imibutho emininzi ikulungele ukunika imali mboleko kumaxabiso amancinci kumaqela amancinci enenjongo yokuphucula ubomi babo. Iimboleko zoshishino zifikeleleka ngokukhawuleza kwaye ayinayo imithintelo eninzi. Kungenxa yamaqela achaphazelekayo ukuba azame ukusebenzisa zonke iimali-mboleko zamashishini amancinci ukukhulisa nokukhula kwamashishini abo.
Kwakhona ujonge ngamathuba okunika amashishini amancinci.