Ababoleki beMveli
Ababolekisi abaninzi abanqwenela ukuboleka amabhizinisi okuqalisa. Oko akuthethi ukuba awukwazi ukuboleka, kodwa kungenakusebenza ngendlela ocinga ngayo. Ukuba sele usujikelele kwiibhanki zendabuko kunye nemanyano yamatyala, kusekho iindlela ezininzi zokuhlola.
Iimali-mboleko ze-SBA: ngaphambi kokuba ulahleke ngokupheleleyo kubalimi bendabuko, cela malunga nokusebenzisa imali mboleko kunye nemigca yemboleko eqinisekisiwe yi-US Small Business Administration (SBA). Ezi mboleko zibonelela ngesiqinisekiso kwibhanki, oku kuthetha umngcipheko omncinci webhanki. Ukufaneleka kunye nokuvunywa kuyinkqubo enzima - ababolekisi bafuna ukuba unike iinkcukacha ezithe nkcukacha malunga nezoshishino zakho kunye neemali zakho . Kufuneka uphinde uceba ukubonelela ngesigqibo sakho sokubambisa ikhaya lakho, i-akhawunti ye-investment, okanye ezinye iimpahla njengezibambiso zembolekiso (kwaye ubeke ikhredithi yakho kumgca). Sekunjalo, oku kungakho okukhethayo.
Izinketho zokuqalisa
Uninzi lweenkwenkwezi lufuna ukufumana ubugcisa obuninzi. Ngokwesiko, unokuthembela kubahlobo, intsapho kunye nabanye abatshali-mali abazimisele. Ngenhlanhla, oosomashishini banamathuba amaninzi atholakalayo awanakho nje kuxhomekeke kwiinkcukacha zakho ezakhelwe ngaphakathi okanye ukukwazi ukuthengisa.
Ngelishwa, iimali zakho zomntu mhlawumbi zibaluleke kakhulu ukufumana imvume. Uzama ukufumana inkxaso kwi-shishini lakho, kodwa ababolekisi abanakukujonga kwimbali yakho yebusiness kuba akukho ncinane (okanye ncinane) imbali ukuyijonga. Ngaphezu koko, ubuninzi bezinto zokuqalisa ziphumelela kwiminyaka embalwa yokuqala.
Ngenxa yoko, izikolo zakho zemali ezibalulekileyo zibalulekile - nangona kukho ukungafani. Ukuba uya kufumana inkxaso-mboleko kubantu abangewona bendabuko (njengabantu obaziyo, abaxhasi bemali, okanye abatshabalalayo), i-credit yakho ayibalulekanga.
Ababolekisi be-intanethi yindlela efanelekileyo yokubolekisa imali engabizi kunye nokuvunyelwa ngokukhawuleza. Ngokukodwa xa unetyala elifanelekileyo, ababolekisi bangebhanki (kubandakanywa oontanga nababoleki) kufuneka babe phezulu kwoluhlu lwakho. Kusenokungabikho ukhetho oluninzi malunga nemali mboleko, kodwa imali iyafumaneka, kwaye ukuxhaswa ngemali kulula kakhulu-ukuze uqhubele phambili kwizinto ezibalulekileyo.
Amakhadi ekwereta sele sele abe yinto yokukhethwa kwabasomashishini abanokukhetha okuncinci. Ngelishwa, amakhadi ekwereta axabisa kakhulu, kwaye inkokhelo enkulu kwizinga eliphezulu lenzalo lingakudonsela ngokukhawuleza. Ukuba unako ukufumana izibonelelo zokuhanjiswa kwemali (kwaye unesiqinisekiso sokuba unokuhlawula yonke into phambi kokuba ixesha lokuphromotha liphelile), amakhadi enkoleko angasebenza. Khumbula nje ukuba kunzima ukuxela kwangaphambili ikamva.
Xa usebenzisa amakhadi eitaliti, kukulungele ukuwafaka egameni lakho shishini. Ngokuqinisekileyo, ziya kuvunywa kuphela ngokusekelwe kwikhredithi yakho, kodwa ukusebenzisa amakhadi omashishini yinyathelo ekujoliseni ikhredithi yoshishino.
Ngaphezulu, ibonakala ingcali ngakumbi kwaye ikunceda ukubonisa umfanekiso "osisiseko" -kubonisa ibhanki, abathengisi kunye nabanye ukuba unobungakanani boshishino lakho.
Abathengi bamali- zimali abatyali-mali abanemali yokukunceda ukuba ukhulise ishishini lakho. Laba bantu kunye nemibutho kunzima ukuyifumana, kwaye kufuneka uvelise ityala eliphosakeleyo ngaphambi kokunika imali. Nangona kunjalo, ishishini lakho lingaba lufanelekile kumtyalo-mali. Ngama-capitalist ventures, uya kudla ukunika okuthile ngokubuyisela imali (akumangalisi). Funda zonke izivumelwano ngokucophelela, kwaye ufumane ukuqonda okucacileyo koko "uhlawula." Unokufuneka ulahle inxalenye yobunini, ukulawula ukuthatha isigqibo, okanye enye into.
I-Crowdfunding iyinketho xa unokufumana abantu banomdla malunga nemveliso, inkonzo okanye ishishini.
Abantu ngabanye banokubonelela ngemali, ngokungekho naluphi na ukuhlaziywa kwetyala lakho-ke le nto inokukhetha ukuba unesikweletu sakho esibi. Ukutshintshiselana, uya kubakho ukubonelela ngemveliso okanye kwinkonzo, nangona ezinye iikhompyutheni zingafumaneka. Ukufumana iinkcukacha ezithe vetshe, funda malunga neziseko ze-crowdfunding ezivela kuZack Miller.
Ezinye iimali-mboleko: ukuba akukho zikhetho ezingentla zingasebenza, unokukwazi ukuboleka uqobo. Kwakhona, ezininzi iibhanki ziya kusebenzisa i-credit yakho siqu (pho nononga izicwangciso zakho kunye nommeli wengingqi ngaphambi kokuba udibanise imicimbi yezoshishino kunye nemicimbi yakho). Iimboleko ezizikhuselekileyo ezizimeleyo ziyindlela efanelekileyo yokuphepha ukubophezela. Abanye abasomashishini baze bathuphe ukulingana kwabo ekhaya basebenzise imali yesibini-mboleko-kodwa oku kuyingozi. Ukuba ishishini lakho lehluleka kwaye awukwazi ukuhlawula imali mboleko, unokulahlekelwa yindlu yakho ekungqatshelweni .