Iimveliso kunye neNtengo yeeNkcazo zeNtengiso
Umgca wekhredithi ngumthombo wemali ongayifumana kuyo njengoko kuyimfuneko . Uzakufumana umda wesikweletu esiphezulu, kwaye ungasebenzisa phantse nayiphina imali yomgca wekhredithi ukuya kumda. Iingxowa zemali-mboleko ziyimali-mboleko ebonakalayo, ngoko unako ukulungelelanisa ukuhlawula ityala lakho, ukushiya i-akhawunti evulekile, kwaye uboleka ngaphezulu kwixesha elizayo ukuba kukho imfuneko.
Ngenxa yokuba unako ukugcina ibhalansi yokuboleka imali, imigqa yekhredithi ikunceda ukuba unciphise iindleko zenzalo. Ngokomzekelo, ungasebenzisa kuphela imali ukuthenga i-inventory eyongezelelweyo okanye uqeshe uncedo olongezelelweyo phambi kwexesha leeholide. Ukuhlawula ngokukhawuleza imali mboleko, kwaye uya kuphephela iindleko zomdla ngexesha lonke unyaka.
Umngcipheko ophambili wale mboleko mboleko unako ukuba umnini-mboleko wakho avaliwe okanye ukhansele umgca wakho ngaliphi na ixesha. Ababolekisi bahlala bekulondoloze ilungelo lokunciphisa umda wakho wesikweletu, kwaye oko kuya kubangela iingxaki ukuba ubala kwizinto ezihambayo xa ufuna.
Yintoni echaza iRhafu?
Izinto ezininzi zichaphazela amazinga omyinge kwimigangatho yezorhwebo:
- Imbali yakho yematyala: Ababoleki bafuna ukubona imbali eqinileyo yokuboleka nokubuyisela imali. Kubabaninzi abanikazi bamashishini abancinci namashishini amatsha, ababolekisi basebenzisa amanqaku ekhredithi yomntu ngamnye kwaye bafuna isiqinisekiso somntu siqu . Ngokuhamba kwexesha, inkampani yakho inokuseka i-credit-specific credit.
- Iinkalo zemboleko yakho: Imalimboleko engaphantsi kwephantsi inzala ephantsi. Amanqanaba omngcipheko axhomekeke kwizinto ezinjenge-mboleko yakho kunye naluphi na uxanduva oluthembisa ukuba ulondoloze umboleko .
- Iimpawu zoshishino lakho: I- Startups inengozi yokuboleka, kodwa ukuba unemali engenayo okanye usebenzele ishishini iminyaka emininzi, ungumboleki omncinci kancinci.
- Amanqanaba omdla kwizoqoqosho jikelele: Amanani omdla amaninzi asetyenziswa "ekusasazeni" ngaphezulu kweerhafu zemirhumo. Ngokomzekelo, isantya sakho sinokuba ngamaphesenti amathathu ngaphaya kweLondon Interbank Offer Rate (LIBOR). Njengoko utshintsho lwamaxabiso emarike, isantya sakho sinokutshintsha .
Ababolekisi abahlukeneyo banikela ngeerhafu ezahlukeneyo-nokuba zonke izinto ezingaphezulu zihlala zifanayo-ngoko kunceda ukubuza nabathengi abahlukeneyo.
Kuphi ukufumana umthombo wesikweletu
Amaziko ahlukeneyo emali ahlinzeka ngemigqaliselo yeebhanki kumashishini.
Ababolekisi be-Intanethi bangokukhethwa kwindlela entsha yokuboleka . Ezi nkonzo zifumana inkxaso-mali kwiibhanki, abatyali-mali, ngabanye, kunye neminye imithombo, kwaye bavame ukunikela ngezinga elincinci lomdla kwimigangatho yoshishino ye-credit. Eli candelo libandakanya iisayithi zokubolekisa ngontanga kunye nababolekisi bemakethe ekujoliswe kwiimali-mboleko zoshishino.
Iibhanki zendabuko kunye neemanyano zematyala zinomlando omdala wokubonelela ngamashishini kunye nemigca yetyala.
Ziyindlela efanelekileyo, ngakumbi ukuba unobume bezoshishino obukhoyo kunye neziko lemali. Ukusebenzisa ibhanki kwishishini lakho ukujonga iakhawunti kunye ne-akhawunti yomrhwebi inokukunceda ukuba ufumaneke kwaye ufumane inzala enomdla. Iimanyano zematyala zendawo zendawo ziyakwazi ukukwazi wena kunye nebhizinisi lakho, elinokukunceda ukuba ubunzima bakho beentengo zemboleko kunzima ukubonisa.
Amakhadi okuthenga ngetyala ngamakhonkco e-credit, kwaye ngokuqhelekileyo kulula ukufumana imvume. Iirhafu zomdla kunye nemirhumo kumakhadi-mboleko zivame ukuphakama, kodwa unako ukufumana imilinganiselo kunye namazinga e-teaser-nje ungangeni kwisicupho sokusebenzisa ibhalansi kunye nokuhlawula umrhumo kumaxabiso aphindwe kabini.
I-SBA Inkcitho yeMali
Imali exhaswa yi-US Small Business Administration (SBA) yinto enhle ukuba uyayikhathalela kakhulu indleko.
Ezi mboleko zikhutshwa ngamafayile abucala njengeebhanki, iiyunivesithi kunye nababolekisi be-intanethi, kodwa urhulumente wase-United States uqinisekisa inxalenye yemboleko. Ngenxa yoko, ababoleki banomngcipheko omncinci xa bevuma iimali-mboleko.
Iirhafu zomdla kwi-SBA imigca ye-ngxowa-mboleko zihluka ukusuka kumbolekisi ukuboleka kwaye kuxhomekeke kwiinkqubo ezichazwe ngasentla. Nangona kunjalo, i-SBA imisela imida emininzi ekusasazeni ukuba ababolekisi banakho ukuhlawula. Umzekelo, kwi-SBAExpress mboleko, ababolekisi banokuhlawula i-4.5% ukuya kuma-6.5 ekhulwini kwi-LIBOR. Thelekisa loo maxabiso kwikhadi lesikweletu ngamaphesenti angama-20 okanye ngaphezulu, kwaye umgca owongezelelweyo wokufaka isicelo somboleko we-SBA uba mnandi.
Iimali Zemizekelo Ezivela Kwizicelo Ezikhethiweyo
Ukukhangela ingcamango engabonakaliyo yintoni ababolekisi? Uza kubona iminikelo emininzi ethandwayo iboniswe ngezantsi, kodwa oku kungenako ukulungelelanisa iimfuno zakho. Ukuqinisekisa ukuba ufumana into engcono kakhulu, unokuthengwa phakathi kwabathengi abaninzi, kubandakanywa namaziko amancinci emali kwingingqi yakho. Khumbula ukuba iirhafu ezipapashiweyo eziphantsi kakhulu zifumaneka kuphela kubaboleki abakulungileyo, kwaye inkcazo "yezinto ezifanelekileyo" ihluka ukusuka kumboleki kumboleki.
Njengoko uvavanya ababolekisi, khangela abo banyula ababolekayo bafanisa iphrofayili yakho, njengengeniso yakho yonke, ubude bexesha kwishishini, kunye neengxelo zemboleko. Kwakhona, qwa lasela iindleko ezongezelelweyo, ezongeza kwiindleko zakho zokuboleka. Abanye ababolekisi bahlawulisa zonke iholide, ngelixa abanye bahlawula intlawulo yesondlo yenyanga-okanye akukho mali eyongezelelweyo.
- I-Club yeMboleko yenye yeendawo zokuqala zokuboleka ze-P2P, kwaye zinikezela ngemali mboleko kunye neengxowa-mboleko. Amanqanaba omdla kwimigangatho yeebhanki ivela kwi-7 ekhulwini ukuya kuma-22.60 ekhulwini.
- I-Fundera iyinkonzo ye-intanethi edibanisa amashishini amancinci kwiintlobo zababoleki. Amaxabiso kumigangatho yeebhanki ukusuka kuma-7 ukuya kuma-25 ekhulwini.
- I-kabbage iyinkokhelo ye-teknologi esekelwe kwi-short-term lines of credit. Ixabiso licatshulwe ngokwemiqathango ye "Intlawulo yeMali yenyanga" ukusuka kwi-1.5% ukuya kwi-10 ekhulwini. Ukuqikelela ukulinganiswa kwe-annualized rate , kufuneka ukhangele iifizi ezipheleleyo kwonyaka.
- IBhanki yaseMelika ngumgangatho osemgangathweni "webhanki enkulu" yokunikezelwa kwemigangatho yeebhanki, kuquka iimali-mboleko ze-SBA kunye neziboleko eziqhelekileyo. Kwimizila engalindelekanga yesikweletu, ukupapashwa kwamazinga omdla "aphantsi" ama-5.75 ekhulwini. Ngokubambisa, isantya sinokuba sezantsi ukuya kuma-4.75 ekhulwini kubantu ababolekayo.