Pros uye Cons yeBusiness Credit Lines
Mutsara wechikwereti ibhu remari raunogona kutora kubva pane zvaidiwa . Iwe uchawana chikwereti chikuru chemari, uye iwe unogona kushandisa chero chinenge chipi zvacho chechikwereti chekwereti kusvika kune chikamu ichocho. Mitsara yekwereti iri kubhadharwa zvikwereti, saka iwe unogona kusununguka kubhadhara chikwereti chako, kusiya mari yakazaruka, uye kukwereta zvakawanda mune ramangwana kana zvichidiwa.
Nokuti iwe unogona kuchengetedza chikwereti chekukweretesa, mitsara yechikwereti inobatsira iwe kuderedza mari yekufarira. Semuenzaniso, iwe unogona kungoshandisa mari iyo kutenga zvinyorwa zvekare kana kutenga imwe rubatsiro pane imwe nguva yezororo. Dzorera chikwereti nokukurumidza, uye iwe urege kudzivisa mari inowanikwa mukati megore rose.
Iyo ngozi huru yemhando iyi yekukweretesa ndiyo inogona kukweretesa wako kuti avhare kana kubvisa mutsara wako chero nguva. Vatengesi vanowanzochengetedza kodzero yekuderedza chikwereti chako chechikwereti, uye izvozvo zvinokonzera matambudziko kana uri kuverenga pane chimwe chinhu chinoenda apo iwe uchichida.
Chii Chinogadzirisa Mitengo?
Zvikonzero zvakasiyana zvinokanganisa kudiwa kwezvikwereti pamabhizimisi emakwereti:
- Nhoroondo yako yechikwereti: Vatengesi vanoda kuona nhoroondo yakasimba yekukwereta nekubhadhara chikwereti. Kune vazhinji vadzimai vemabhizimisi maduku uye mabhizimisi matsva, vateresi vanoshandisa chikwereti chomunhu pachake chikwereti uye vanoda chivimbo chega . Nokufamba kwenguva, kambani yako inogona kugadzira bhizimusi-chairo chikwereti.
- Zvikwereti zvekwereti yako: Zvikwereti zviduku zvishoma zvinoderera zvidhi. Ngozi dzengozi dzinoenderana nezvinhu zvakadai semari yako chikwereti uye chero chipi zvacho chaunotora kuti uwane chikwereti .
- Zviratidzo zvebhizimisi rako: Kutanga kunotyisa kukweretesa, asi kana une mari yakawanda kana iwe wakanga uri mubhizimisi kwemakore anoverengeka, iwe uri chikwereti chine ngozi.
- Nhamba dzekuda muhupfumi hwakawanda: Inhara yekutambira inowanzoiswa pa "kupararira" pamusoro pemari yemitengo inowanikwa. Somuenzaniso, purogiramu yako inogona kuva 3 muzana pamusoro peLondon Interbank Offer (LIBOR). Sezvo mutengesi uwandu huchichinja, chiyero chako chinogona kuchinja .
Vakweretesi vakasiyana vanopa mitero yakasiyana-kunyange kana zvinhu zvose zviri pamusoro zvichigara zvakangofanana-saka zvinobatsira kubvunza nevamwe vakasiyana-siyana vakweretesa.
Kwatingawana Nheyo Yokubhadhara
Zvimwe zvakasiyana-siyana zvezvemari zvinopa zvikwereti zvekwereti kumabhizimisi
Vatengi vepaIndaneti vane tanoshandiswa kutsvaga kune vakwereta . Aya mazano anobhadharwa mari kubva kumabhangi, vatengesi, vanhu, uye mamwe mabhii, uye vanowanzopa zvikwereti zvakaderera zvezvikwereti pamabhizimisi emakwereti. Ichi chikamu chinosanganisira peer-to-peer chikwereti nzvimbo uyewo pamusika vatengesi vakatarisa zvikwereti zvebhizimisi.
Mabhandi emagariro uye zvikwereti zvekwereti vane nhoroondo yakareba yekupa mabhizimisi nemakero emarikiti.
Ivo vachiri sarudzo yakanaka, kunyanya kana iwe uine ukama hwebhizimisi huripo nesangano rezvemari. Kushandisa bhizinesi rebhizimisi rako kutarisa kambani neakambani dzevatengesi zvingakubatsira iwe kugamuchirwa uye kuwana chibereko chakanaka chekufarira. Nhengo dzemakabhoroti emunharaunda dzinowanzosvika pakuziva iwe nebhizimisi rako, izvo zvingabatsira kana chikwereti chako chakaoma kuratidza.
Marikiti yemakadhi ndiyo inowanikwa mitsara yechikwereti, uye ivo kazhinji zviri nyore kuti vabvumirwe. Nhamba yezvikwereti uye mari yemakadhi ekwereti inowanzove yakakwirira, asi iwe unogona kukodzera kugadziriswa uye maharasi-haufaniri kuwira mumusungo wekukwanisa kuenzanisa uye kubhadhara chikwereti pamadhijiti maviri.
SBA Loan Rates
Mari inotsigirwa neUnited Small Business Administration (SBA) yakasarudzwa zvakanaka kana iwe unonyanya kufunga nezvekutora mari.
Izvo zvikwereti zvinobudiswa nemabhizimisi ega ega semabhengi, zvikwereti zvezvikwereti, uye vanokweretesa muIndaneti, asi hurumende yeUnited States inopa chikamu chechikwereti. Somugumisiro, vateresi vanotora ngozi shoma apo vanobvuma zvikwereti.
Nhamba dzezvikwereti mumigwagwa yeSBA yechikwereti inokanganisa kubva kune chikwereti kunokweretesa uye inobva pane zvinorongwa zviri pamusoro apa. Zvisinei, iyo SBA inogadzirisa zviyero zvakanyanya pakupararira kwekuti vatengi vanogona kutengesa. Somuenzaniso, kune SBAExpress chikwereti, vateresi vanogona kutengesa 4.5 kubva kune 6.5 muzana pane LIBOR. Enzanisa izvozvi kumakadhi echikwereti makumi maviri kubva muzana kana kupfuura, uye chikamu chekuwedzera chekushandira chikwereti cheSBA chinowedzera kuwedzerwa.
Sample Rates kubva Kune Vakasarudzwa Vakasarudza
Ndichitsvaga pfungwa yakaipa yezvinokweretesa zvikwereti? Uchaona zviitiko zvakasiyana-siyana zvakakurumbira zvinoratidzwa pasi apa, asi izvi zvingasava zvakakosha zvakakwana pane zvaunoda. Kuti uone kuti iwe unowana zvakanakisisa zvingaita, tenga pakati pevatengi vanoverengeka, kusanganisira zvidhinha zvemari munzvimbo yako. Yeuka kuti iyo yakaderera yakadhindwa mitengo inongowanikwa chete kune vakwereta vakanaka, uye tsanangudzo ye "yakanaka" inobva kune chikwereti kunopa chikwereti.
Sezvaunoongorora vanokweretesa, tsvaka avo vanoda kukwereta vanofananidza nhoroondo yako, yakadai semari yako yose, nguva yakawanda mubhizinesi, uye chikoro chikoro. Uyewo, teerera kune mamwe mari, iyo inowedzera mari yako yokukwereta. Vamwe vanokwereta vanokubhadhara nokuda kwekuregererwa kwese, asi vamwe vanobhadhara mari yekugadzirisa mwedzi-kana kuti kwete mari yekuwedzera.
- Lending Club imwe yepakutanga P2P kukweretesa nzvimbo, uye vanopa zvikwereti zvebhizimisi pamwe nemari yemari. Nhamba yezvikwereti pamitambo yekwereti inotanga kubva pa7 kusvika ku22 muzana.
- Fundera inobasa iri muIndaneti inobatanidza mabhizimisi maduku kune avo vakasiyana-siyana vanokweretesa. Mahoro emitsara yekwereti kubva pa7 kusvika ku25 muzana.
- Kabbage i-teknolojia-based lender iyo inopa mitsara yenguva pfupi yechikwereti. Mutengo unotsanangurwa maererano nemutengo we "Mwedzi weMari Yekubhadhara" kubva pa55 kusvika ku10 muzana. Kuti uenzanise kuwedzera kwegore , iwe unoda kutarisa mari yose yegore rose.
- Bhizinesi reAmerica ndiwo muzinda we "big bank" unopa mabhizinesi emakwereti, kusanganisira zvikwereti zveSBA uye zvikwereti zvekare. Pazvikwereti zvisingaverengeki zvechikwereti, kubudiswa kwezvikwereti zvezvibereko "zvakaderera" 5.75 muzana. Nekubatwa, chiyero chinogona kunge chakashata se 4.75 muzana kune vanotora chikwereti.