Traditional Lenders
Vazhinji vanokweretesa havadi kukweretesa kutanga mabhizinesi. Izvozvo hazvirevi kuti iwe haugoni kukwereta, asi hazvigone kushanda sezvamunofunga. Kana iwe wakatototamiswa nemabhanga emagariro nemakambani emakwereti, pane zvimwe zvirongwa zvekuongorora.
SBA zvikwereti: usati wapedza zvachose kupa vatengi vemazuva ose, bvunza nezvekushandisa zvikwereti nemigwagwa yekwereti inopihwa ne US Small Business Administration (SBA). Izvi zvikwereti zvinopa vimbiso kubhengi, izvo zvinoreva ngozi shoma yebhangi. Kufanirwa uye kugamuchirwa inzira yakaoma - vanokweretesa kazhinji vanoda kuti iwe upe ruzivo rwakakwana pamusoro pebhizimisi rako nemari yako pachako . Iwe unofanirwawo kuronga kupa chirongwa chako pachako chauri kuvimbisa imba yako, majeti ekutsvaga mari, kana zvimwe zvinhu sechikwata chechikwereti (uye kuisa chikwereti chako pachavo pamutsara). Kunyange zvakadaro, izvi zvingave zvakasarudzwa.
Kutanga Zvitsva
Nyaya dzekutanga dzinotanga kuwana zvakawanda zvekusika. Nenzira, iwe unogona kuvimba neshamwari, mhuri, uye vamwe vatengi vanozvipira. Nemafaro, mabhizimisi nhasi vane zvimwe zvasarudzo zvinowanikwa izvo hazvirevi kungozvibatanidza-mukati mako kana kuti iwe unogona kutengesa.
Zvinosuruvarisa, mari yako pachako ingangodaro inonyanya kukosha yekugamuchirwa. Uri kuedza kuwana mari yebhizimisi rako, asi vateresi havagoni kutarisa bhizinesi renyu 'nhoroondo nokuti hapana (kana zvishoma) nhoroondo yekutarisa. Uyezve, huwandu hwekutanga hunosiya mukati memakore mashomanana ekutanga.
Somugumisiro, chikwereti chako pachako chakakosha - kunyange pane zvisiri izvo. Kana iwe ukawana mari kubva kune vasiri vasi vemazuva (zvakadai sevanhu vamunoziva, vashandi vekutengeserana, kana vanhu vakawanda), chikwereti chako hachina kukosha.
Vanokweretesa paIndaneti ndivo nzira yakanaka yezvikwereti zvisingadhuri uye kubvumidzwa nokukurumidza. Kunyanya kana uine chikwereti chakanaka, vasiri vebhandi vakakweretesa (kusanganisira peer to peer chikwereti) vanofanira kunge vari pamusoro pekunyoresa kwako. Ikoko hakungave nekusarudzwa kwakawanda kwemashoko ekukweretesa, asi mari inowanikwa, nekubhadhara mari iri nyore - kuitira kuti uende kune zvimwe zvinhu zvinokosha.
Makadhi ekukweretesa ave kwenguva refu ave sarudzo yekusarudzira kune vadzidzisi vekusarudzwa kushoma. Zvinosuruvarisa, makadhi ekwereti anonyanya kukoshesa, uye chikwereti chikuru pahuwandu hwechibereko chinogona kukukwezva iwe nokukurumidza. Kana iwe uchikwanisa kuwana kudiwa kwekutsinhanisa kutengesa (uye unovimba kuti iwe unogona kubhadhara zvose zvisati zvapedza nguva yekutsvaga), makadhi ekwereti angaramba achiri kushanda. Ingoyeuka kuti zvakaoma kufanotaura remangwana.
Paunenge uchishandisa kadhi rechikwereti, zvakanakisisa kuti uzvisarudzire muzita rebhizimisi rako. Zvechokwadi, ivo vanozobvumirwa chete zvichienderana nekodzero yako pachavo, asi kushandisa makadhi emabhizimisi inhanho yekukwereta chikwereti chebhizimisi.
Uyezve, inoratidzika seyanyanzvi uye inokubatsira kuti upe "chimiro" chingave-kuratidza mabhengi, vatengesi, uye vamwe kuti iwe wakanyanyisa nezvebhizimisi rako.
Venture capitalists vatyairi vane mari yekukubatsira kukura bhizinesi rako. Vanhu ava nemasangano zvakaoma kuwana, uye iwe unoda kupa chikonzero chakamanikidzwa vasati vazopa mari. Zvisinei, bhizimusi rako ringangodaro rakakosha zvikuru kune anokusimbisa. Uine vashandi vekuda mari, iwe kazhinji unofanirwa kupa chimwe chinhu mubhadharo yemari (hazvishamisi). Verenga kuburikidza nezvibvumirano zvose zvakanyatsonaka, uye uwane kunzwisisa zvakajeka chezvauri "kuripa." Unogona kurasa chikamu chehudzi, humwe hutungamiri hwekuita, kana chimwe chinhu.
Crowdfunding inosarudza kana iwe uchigona kuita kuti vanhu vafare pamusoro pezvibereko zvako, basa, kana bhizinesi.
Vanhu vanogona kupa mari, kazhinji pasina kuongororwa kwekwereti yako - saka iyi ndiyo nzira yakanaka kana iwe uine chikwereti chakaipa chako. Mukutsinhanisa, iwe unowanzogovera michina kana basa, kunyange zvimwe zvingasarudzwa zvinogonawo kuwanikwa. Kuti uwane mamwe mashoko, verenga pamusoro pezvinokosha zvevanhu vakawanda kubva kuZack Miller.
Zvimwe zvikwereti: kana hapana chimwe chezvikwereti zviri kumusoro chiri kushanda, unogona kukwereta iwe pachako. Zvakare, mabhenji akawanda achashandisa chikwereti chako pachako (ingoongororai zvirongwa zvako newe gweta renzvimbo yako usati wavhiringidza bhizinesi rako uye nezvehupfumi hwako). Zvikwereti zvisina kuchengetedzwa zvehutori ndezvakanaka kuti urege kudzivisa kubhadharwa. Vamwe vezvemabhizimisi vanototorawo imba yavo yekuenzanisa vachishandisa zvikwereti zvechipiri - asi izvi zvinokuvadza. Kana bhizinesi rako richikundikana uye iwe usingakwanisi kubhadhara chikwereti, iwe unogona kurasikirwa neimba yako mukugadzirisa .