- Imboleko yenza ingqiqo yezoshishino
- Wena ngokwakho (okanye ishishini lakho) unomlando onzima wesikweletu
- Abantu abalawulayo ishishini bafanelekile ukubeka imali kakuhle
- Ibhanki iyakwazi ukulawula ingozi yabo
I-Business Well Sense
Ababolekisi bafuna ukuboleka imali leyo ekuncedayo ukuba ukhulise ishishini lakho. Unokuba nethemba lokuba imali iya kunceda, kodwa kufuneka uqinisekise loo nto. Ukwenza njalo, yakha ityala elingenakuthenjwa (ngaphandle kokwedelela) indlela iimali eziza kubakhokelela ngayo inzuzo enkulu - kunye nengeniso ongayisebenzisa ukuhlawula imali mboleko.
Isicwangciso sakho seshishini siyimfuneko ukuze ufumane imvume yemboleko. Ukuba awunayo enye, lixesha lokudala enye. Kufuneka ubonise, ngamanani athile, indlela oza kuzuza ngayo imali, ukuba uza kuyisebenzisa njani, kunye nesicwangciso sakho somfanekiso omkhulu. Chaza ukuba bonke abadlali beli shishini lakho, ngokukodwa ukulawula, ukuthengisa, kunye neentengiso - abo bantu baya kuzisa ishishini elitsha elinceda ukuhlawula umboleko.
Kulungile ukuba wenza yonke loo misebenzi - vele uchaze ukuba kutheni kwaye kunye nerekodi yakho yokuphumelela kule mimandla. Isicwangciso sakho sezo shishino kufuneka sifake iinkcazo zemali ezisisiseko, izitatimende ze-pro-form, kunye nolwazi malunga nezibonelelo zakho.
Ukwakha iSiseko
Nantsi into ephazamisayo malunga nemali mboleko emancinci yoshishino: iimali zakho zemali zibalulekile.
Amabhanki afuna ukubona imbali yokuboleka ngokuphumelelayo nayiphi na ixesha abenza imali mboleko. Oku kuquka iimali-mboleko kwishishini lakho. Ngelishwa, amashishini amaninzi ayinayo imbali yokuboleka (ingakumbi amabishishini amasha), ukuze ababolekisi bajonge amanqaku akho esikweletu ngamanqaku akho . Ukuba unetyala elungileyo, yinto enobungqina obunokuthi uya kuthatha imali mboleko yezo shishino. Ukuba unetyala elibi, ababolekisi baya kuba baninzi malunga nokuboleka. Ukuba i-credit yakho "yincinci" ngenxa yokuba awukweretanga kakhulu kwixesha elidlulileyo (okanye ukuba liyakudinga ukulungiswa okuthile), unokufuna ukwakha i-credit yakho phambi kokuba ababolekisi banokukuvuma.
Ufaka isicelo semboleko yemicimbi yezoshishino, kwaye unokuba ulungelelaniso njengenkampani okanye i-LLC. Nangona kunjalo, ababolekisi baya kuhlala befuna ukukubamba bodwa uxanduva lomboleko. Ukuba ayenzi loo nto kwaye ishishini lishiywe, akukho namnye oshiywe ukuba abuyisele. Kodwa ukuba wenza isiqinisekiso sakho sombolekiso (oko kuyimfuneko), banokukulandela emva kwakho, kwaye i-credit yakho siqu iya kuba neengxaki xa ungawubuyisanga.
Ukuba unesibophelelo sokubambisa imali mboleko , unako ukufumana imvume. Ngamashishini athile, unokukwazi ukubambisa iimpahla zoshishino njengezithuthi kunye nezixhobo (ukuba ishishini lakho linaloo ntlobo yeempahla).
Kungenzeka ukuba ufanele ubophe isakhiwo somntu siqu okanye ikhaya lakho okanye i-akhawunti yakho yezimali.
Kuphi ukuboleka
Emva kokuba uhlelekile kwaye uyazi ukuba ulindele ntoni, ixesha lokuba uqale ukuthetha nababolekisi. Unokhetho oluninzi lokuboleka, kwaye ukhetho ngalunye luza kunye nenzuzo. Iziphumo ezilungileyo, bathetha nababolekisi ukuba baqonde iimfuno zabo kunye nendlela abasebenza ngayo - musa ukugcwalisa isicelo kunye nethemba lokuba "ewe."
Amabhanki kunye neemanyano zemboleko ziyimithombo yemveli yemboleko emancinci yezo shishino, kwaye yindawo efanelekileyo yokuqala. Ngokukodwa kunye namaziko amancinci, uya kukwazi ukudibana nombolekisi onokukukhokela kwinkqubo. Ibhanki ezinkulu zingathatha indlela yokubamba izandla. Ukuphucula amathuba akho okufumana imvume, cela malunga nemali mboleko ye-SBA, eyanciphisa umngcipheko webhanki kwaye inomlinganiselo wentsingiselo yenqanaba lomdla .
Inkqubo yemboleko kwiibhanki kunye neemanyano zetyala zinganciphisa, ngoko zilungiselele inkqubo ende kunye nokuhlaziywa ngokubanzi kwibhanki.
Ababolekisi bamashishini be-intanethi banokukhetha, kwaye banokubonelela ngokukhethekileyo kunokuba unokufumana indawo. Unokufumana lula ukuba ufumaneke-aba babolekisi banomdla kakhulu kwiimali-mboleko kunye nokukhula ngaphezu kweebhanki ezigcinayo kunye neemanyano zemali-mboleko. Ababolekisi be-intanethi banokuhamba ngokukhawuleza kunabalimi bemveli. Oko kwathiwa, abajonge ukulahlekelwa yimali, ngoko ke loo mboleko ifuna ukuqonda.
Abagadi beMicrolenders banokuzimisele ukukunceda ukuba uhlangabezana nemigangatho ethile. Ngokukodwa xa utyalo-mali kwimimandla abachaphazelekayo abanomdla okanye unomvuzo ophantsi, aba babolekisi banokuvuma iimali-mboleko ukuba iibhanki aziyi kubakho.
Imali-mboleko yomntu ku-intanethi iyona nto inokukhetha xa kungekho mntu uya kukuvumela ukuba uboleke imali. Ngokufanelekileyo, uya kuboleka egameni lakho shishini - lihlambulukile kwaye lube nolwazi olunzulu ngale ndlela. Kodwa abanye abanikazi bamashishini abancinane banokufumana kuphela imali mboleko. Zama abathengisi beemarike kunye noontanga kubabolekisi baontanga , abavame ukunikela amazinga okukhuphisana kunye nokukhawuleza ukuguqula izicelo.