Ngaba Ufanele Ufumane Imali-mboleko Encinci? Ukuba kunjalo, njani?
Amashishini amancinci enza iipesenti ezingama-65 yazo zonke imisebenzi emitsha. Ngenxa yesi sizathu, ukubolekwa kwala mabashishini kugcina uqoqosho lusebenza.
Phantse emithathu-yesine yazo zonke iinkampani ezincinci zifuna ukuxhaswa ngezimali kwiinyanga ezili-12 ezidlulileyo.
Inani elibolekwe lilonke li-$ 1 trillion ngo-2013, iifomanani zakutsha ezikhoyo. Kulo, i-$ 585 yezigidigidi zibolekelwe, i-$ 422 yezigidigidi zeentengo zemali zivela kwiinkampani zezimali kwiimali ezifunyenweyo. Ezinye zazithengwa kunye ne-capital venture.
Uninzi iinkampani ezintsha zifuna i-R10 000 nganye kwi-capital startup. Iifayile ze-Hi-tech zidinga amaxesha asibhozo loo mali. Xa sele zizinzile, iinkampani ezincinci zifuna iimali-mboleko zokuthenga i-inventory, ukwandisa okanye ukuqinisa imisebenzi yazo. (Umthombo: " IzeMali zeMashishini amancinci ," Ulawulo lweZimashishini ezincinane.)
Nazi izibonelelo kunye nokuxhamla kwemithombo emininzi yemali-mboleko yamancinci.
Amabhanki
Lo ngumthombo ongcono xa ufanelekile. Lo ngumthombo wesibini ogqithiseleyo kakhulu wemali-mboleko yamashishini amancinci, emva kokufumana umvuzo. Bafumana ixabiso lentlawulo ephantsi kakhulu kuba besetyenziselwa imali yokubeka imali. Ibhanki yakho yasekuhlaleni okanye inkontileka yekhredithi inikezela amaxabiso angcono. (Umthombo: "IzeMali zeMashishini amancinci," Ulawulo lweZimashishini ezincinane.)
Kodwa iibhanki zifuna ibhondi ukuba ibonise iimpawu zempumelelo ngaphambi kokuboleka imali. Oku kunengqiqo kuba ibhanki ifuna ukubuyisela imali ekutsalweni kwayo.
Oku kwenza kube nzima kumashishini amancinci aqala ukuphuma. Amabhanki afuna ukubona ukuba ufake imali yakho kwishishini.
Ukongezelela, zidinga ezinye izinto ezinzima, njengendawo yokuhlala, izixhobo okanye i-inventory. Kufuneka unike isicwangciso soshishino esicacileyo sokubonisa ukuba ucinga ngcamango yakho. Ukufumana okunye, khangela iQinisekiso leMali yokuThengisa iMali.
Imali yeSBA
Ukuba awukwazi ukufumana mboleko yebhanki, unokufumana ilungelo lokubolekisa ngemali ye-Small Business Administration. Kukho iintlobo ezahlukeneyo zokuqinisekisa iziboleko. Eyona ncinci kakhulu imali-mboleko encinci, eboleka imali engaphantsi kwama-50,000. Ibhizinisi elikhulu kufuneka lisetyenziswe kwinkqubo ye-7a yokuboleka imali ukuya kwii-2 yezigidi. Ngaphezulu, jonga iinkqubo ze-SBA Loan Programs.
Iimali-mboleko ze-SBA zixhomekeke kakhulu kumaphepha kunye nokuchitha ixesha. Kungathatha ixesha elide ukufumana mboleko yakho. Ngelo xesha kungasetyenziswe kangcono ukuphucula nje ishishini lakho.
Imali-mboleko
I-Microloans ivela kwi-$ 1,000 ukuya kwii-50,000 zeemali mboleko ngeendlela ezininzi. Zenzelwe ukuqala, ngoko azidingi imbali ebonakalisiweyo yenzuzo.
Inkqubo ye-Microloan yoLawulo lweZimashishini isebenza ngeendawo ezingenanto. Ixhasa imali yokuqala, ukwandiswa kunye namaziko okunakekela abantwana. Ifuna iziqinisekiso zokubolekwa kwemali.
I-Accion yiwebhsayithi edibanisa amashishini amancinci nababolekisi behlabathi lonke. Uboleka nanini ukusuka kwi-200 ukuya kwii-300,000 zamawaka.
I-Kiva ivumela ababolekisi ukuba bafake inxalenye nje yemboleko mboleko. Ayiyona inzuzo eyenzelwe ukunceda abashishini kwiindawo ezingaphantsi kweenkonzo, kodwa ama-US amancinci amancinci angenza kwaye afake isicelo. I-Kiva.Zip inikezela ngemali-mboleko engenasityebi xa uneshishini lokubonelela ngeentlalo ezilungileyo, ezifana nokutya kwendalo, ifama yase-mushroom yasezidolophini okanye i-granola ye-glanen-free-granola.
Imali-mboleko ye "Boot-Strap"
Imboleko yemboleko yesikhokelo ngumthombo oqhelekileyo weemali kuba izicelo zeemboleko zinzima kwaye zichitha ixesha. Uninzi lwamashishini asanda kuqalisa ukusebenzisa iimali zabo, iimboleko ezivela kubahlobo kunye nosapho, okanye ityala lekhadi lesitaliti. Inzuzo kukuba unokufumana nayiphi na le mboleko ngokukhawuleza.
Ukungabi nzuzo kukuba iindleko ezivela kubahlobo nakwiintsapho zengozi ngokomzwelo. Kungenxa yokuba banokutshatyalaliswa ngonaphakade unxulumano lwakho nabo.
Xa ngabahlobo kunye nosapho bakuba ngababolekisi, banokuthi badibanise nebhizinisi lakho, bangela iziphazamiso. Ukuba ishishini lakho lehluleka, banokuyithatha ngokwabo okanye bacinge ukuba uwathatha ngokungenanto. Unokunyanzeliswa ukuba unike imoto yakho, ikhaya okanye nayiphi na into oyifakeyo ukuze udibanise. Kukho ukuvakalelwa nzima kumacala onke.
Iipesenti ezisixhenxe zezo shishino zincinci zisebenzisa amakhadi ekhredithi kwiimali ezifutshane. Kungenxa yokuba umboleko wekhadi lokuthenga ngetyala linokukhupha ixabiso lentengo encinci, ngenxa yerhafu ephezulu. (Umthombo: "IzeMali zeMashishini amancinci," Ulawulo lweZimashishini ezincinane.)
Imali mboleko yemali inelungelo lokuba unokubhala iintlawulo zakho zenzala. Nangona kunjalo, unokulahlekelwa ngumzi wakho.
Nazi ezinye iimbono zeNkxaso-mali yeNcinci.