Unofanira Kuwana Chikwereti Chine Mabhizimisi Maduku? Kana Ndizvozvo, Sei?
Mabhizimisi maduku anopa 65 muzana yemabasa ose matsva. Nokuda kwechikonzero ichi, zvikwereti kune vadzidzisi vezvematongerwo enyika vanochengeta hupfumi hushanda.
Inenge mitatu-yechina yemabhizimisi maduku madzimai aida mari yekugadzirisa mumwedzi gumi nemaviri apfuura.
Mari iyo yakakweretwa yakawana $ 1 trillion muna 2013, mazita ekupedzisira anowanika. Kubva ipapo, $ 585 mabhiriyoni aiva zvikwereti, $ 422 mabhiriyoni aive chikwereti kubva kumakambani emari pamabhadhara. Zvimwe zvacho zvaiva kutenga uye mari yekushandisa.
Makambani akawanda matsva anoda $ 10,000 rimwe nerimwe mukutanga. Hi-tech firms inoda huwandu huwandu huwandu. Kana imwe nguva ikava yakasimbiswa, makambani maduku anoda zvikwereti kuti atenge mabhuku, kuwedzera kana kusimbisa mabasa avo. (Kubva: " Small Business Finance ," Small Business Administration.)
Heano zvinhu zvinowedzera uye zvinotapira zvezvizhinji zvezvikwereti zvemabhizimisi maduku.
Mabhangi
Ichi ndicho chinonyanya kukosha kana iwe uchikodzera. Iyi ndiyo yechipiri inonyanya kukoshesa mari yezvikwereti kumabhizimisi maduku, mushure mokunge vawana mari. Ivo vane mari yakaderera yekutora sezvo vari kushandisa depositors 'mari yekuita zvikwereti. Bhenji yako yemunharaunda yako kana chikwereti chekambani inopa zvikwereti zvakanaka. (Kubva: "Small Business Finance," Small Business Administration.)
Asi mabhangi anoda bhizinesi kuratidza zviratidzo zvekubudirira usati waita mari. Izvi zvinonzwisisika nokuti bhangi inoda kuwana kudzoka pane inotengeswa kwayo.
Izvi zvinoita kuti zvive zvakaoma kumabhizimisi maduku ari kutanga. Mabhangewo anodawo kuona kuti iwe wakaisa mari yako pachako mubhizinesi.
Mukuwedzera, dzinoda zvimwe zvakaoma, zvakadai sezvivako, zvigadzirwa kana zvigadzirwa. Unofanirwa kupa urongwa hwebhizimisi hwakazara kuratidza kuti wakambofunga pfungwa yako kuburikidza. Nokuda kwezvimwe, tarisa Small Business Loan Qualifications.
SBA Mikopo
Kana iwe usingakwanisi kuwana chikwereti chebhangi, unogona kukodzero yekugadzirisa chikwereti cheGogo reBusiness Business. Kune marudzi akawanda akasiyana-siyana ezvokukweretesa. Icho chiduku chiduku-duku-chikwereti, icho chiri chikwereti kudarika $ 50,000. Bhizimisi rakakura rinofanira kushandisa purogiramu ye7a yezvikwereti kusvika ku $ 2 mamiriyoni. Nokuda kwezvimwe, tarisa SBA Zvitongwa Zvemari.
SBA zvikwereti zvakanyanya pamapepa-uye nguva. Zvinogona kutora nguva yakareba kuti uwane chikwereti chako. Nguva iyoyo ingashandiswa zviri nani nekuvandudza bhizinesi rako.
Micro-Loan
Microloan inobva ku $ 1 000 kusvika ku $ 50,000 zvikwereti nemashoko akawanda akasiyana. Izvo zvakagadzirirwa kutanga-ups, saka hazvitsvaki kuratidzwa kwehuwandu hwekubatsira.
Purogiramu yeBusiness Business Administration ya Microloan inoshanda kuburikidza nenzvimbo dzisina nzvimbo. Inopa mari yekutanga, kuwedzera uye nzvimbo dzekuchengeta vana. Zvinoda kubhadhara uye mari yemunhu chikwereti.
Accion ibhurosi rinonyanya kubatanidza mabhizimisi maduku nevakwereti kubva kumativi ose enyika. Inokweretesa kubva kune $ 200 kusvika ku $ 300,000.
Kiva inobvumira vanokweretesa kupa chikamu chechikwereti chavakwereta. Iyo isiri purogiramu yakagadzirirwa kubatsira vatengesi mune zvikamu zvisingabatsiri zvenyika, asi mabhizinesi maduku eSUS anogona uye anoita. Kiva.Zip inopa zvikwereti zvisingabatsiri kana uri bhizinesi uchipa hukama hwakanaka, hwakadai sezvokudya zvekudya, furaji yemuwaini mushwa, kana gluten-free vegan granola.
"Mhemberero dzeBhoot-Strap"
Boot-strap loans ndiyo inowanzopiwa mari nekuti zvikwereti zvikwereti uye zvakaoma nguva. Zvizhinji zvemabhizimusi ari kutanga kutanga kushandisa mari yavo pachavo, zvikwereti kubva kune shamwari nemhuri, kana kadhi rechikwereti chikwereti. Iyo inobatsira ndeyokuti iwe unogona kuwana chero ipi zvayo yemari yako mari nokukurumidza.
Izvo zvisingabatsiri ndezvokuti zvikwereti kubva kune shamwari nemhuri zvinokanganisa mupfungwa. Ndiko nokuti vanogona kuparadza zvachose ukama hwenyu navo.
Kana shamwari uye mhuri dzichikweretesa, vanogona kupindirana nebhizimisi renyu, zvichikonzera zvinokanganisa. Kana bhizinesi rako richikundikana, vangazvitora ivo pachavo kana kuti iwe wakafunga kuti wakazvitora zvishoma. Iwe unogona kumanikidzwa kuvapa motokari yako, kumba kana chimwe chinhu chipi zvacho chawakasimudzira kuti uite mari. Ikoko kunogona kuva nemanzwiro akaoma kubva kumativi ose.
Zvikamu zvinomwe zvezana zvemabhizimisi maduku ose vanoshandisa kadhi rechikwereti mari shoma shoma. Izvozvo ndezvokuti chikwereti chekwereti rechikwereti chinogona kukwira mari inokweretesa mari shoma, nekuda kwezvikwereti zvakanyanya. (Kubva: "Small Business Finance," Small Business Administration.)
Mari yechikwereti yekodzero ine imba inobatsira kuti iwe unyore chikwereti chako chekufarira. Zvisinei, iwe unogona kurasikirwa neimba yako.
Heano mamwe mimwe mazano eDhinho reBusiness Business.