Hezvino zvinhu zvine gumi zvaunoda kuziva pamusoro pemari yeBancana yebhizimisi shomanana iyo inogona kudzivirira mari yako yekutsvaga kubva pakushandura kusvika mumasango emusango.
1. Nheyo huru dzebhizimisi shoma mabhizinesi uye zvikwereti zvezvikwereti.
Imwe inonyanya kuzivikanwa yebhizimisi shoma rezvemabhizimisi ndiwo mapurisa emabhizimisi, asi mitambo yemagariro semabhanki nemakambani emakwereti ari kutevera. Izvo zvinoita kuti bhangi rako rive nzvimbo yakanaka yekutanga tsvaga yako kutsvaga mari yebhizimisi shoma, kunyanya sezvo sangano reCanada Small Business Financing Program inopiwa ikoko.
Izvozvo hazvirevi, zvakadaro, kuti kuwana zvikwereti zviduku zvebhizimisi muCanada zviri nyore. Sechikamu cheS SME Financing Study yakagadzirwa neComputer Canada, tsvakurudzo yakawana kuti tsika dzekambani dzemabhizimisi zvidhinha (semabhengi) dziri kuramba dzichinyatsochengetedza mukuongororwa kwavo kwevanotarisira chikwereti chekambani chemabhizimisi maduku. Sezvenguva dzose, mabhizimisi matsva ari nenguva yakaoma zvikuru kuwana bhizimusi kutanga-up mari yavanoda.
Kuti udzivise izvi, unoda kupedza nguva imwe uchiisa pamwe imwe inonakidza yebhizimisi mari yekugadzirisa.
Dzidza nezvekuwana chikwereti chemabhizimisi maduku nekusangana nemari yaunotarisira uye kuwedzera mikana yako yekuwana mari yebhizimisi shoma yaunoda.
2. Zvipo zviduku zvebhizimisi muCanada zvishoma uye zvakaparadzana.
Kune zvikwereti zvishomanana zvidiki zvebhizimisi kunze uko uye zvizhinji zvezvipo zvinenge zviripo chinangwa chemazana mapoka, mabasa kana nzvimbo dzenyika.
Ichokwadi pamusoro pezvipo zviduku zvebhizimisi muCanada ndezvokuti kune mamwe marudzi aripo. Ikoko kunoratidzika kune mamwe mabhizimisi emabhizimisi anowanika kumabhizimisi akaenzana nehutsika kana tsika kana zvimwe zviitiko zvezvakatipoteredza.
Uyewo, cherechedza kuti kune vashomanana vashoma, vasina-zvigaro-zvakabatanidzwa zvidhinha zvebhizimisi zvishoma zviripo pakutanga; vazhinji veCanada "kupa" mapurogiramu anosanganisira kuenzanisa zvipo kana rubatsiro, zvichireva kuti unofanira kuisa mari kuti uwane mari. Mazano angu haasi kuronga kune ani zvake anokupa mari. Ita kuti urongwa hwako huve pane huchaita kuti vanhu vatore mari yako.
Ita mamwe tsvakurudzo pamusoro pekuti kana kwete here kune zvikwereti zviduku zvebhizimisi muCanada iyo bhizinesi renyu duku rinogona kukumbira.
3. Unofanirwa kuva neurongwa hwakasimba hwebhizimisi.
Hapana nzira inopoteredza izvi uye kwete zvishoma; chero ani zvake angafunga zvakanyanya kufunga kukupa bhizimisi mari shoma ichada kuona imwe. Uye izvi zvinosanganisira nhepfenyuro yemari , yakadai semashoko ekuwana mari, kushamba kwemari, uye bhaari.
Nenzira yakanaka, kune humwe rubatsiro rwekuisa pamwe chirongwa chebhizimisi kupfuura kare. Nharaunda dzekuMafanki yeZvokurudzira uye / kana Community Futures Development Corporations, Canada Business Centers, uye mamwe masangano anotsigirwa nehurumende anopa rubatsiro rwekubva kune imwe nzvimbo kubva pakutsvakurudza rubatsiro kuburikidza neurongwa hurongwa hwebhizimisi.
Vamwe vanhu vanowana bhizinesi plan software rinobatsira.
Uye kune dzakawanda mienzaniso uye sei-kune zvinyorwa paIndaneti. Bhizimisi redu rePurisa Rinoyerera , somuenzaniso, richakutungamirira kuburikidza nekugadzirisa uye kutsanangura nzira yekutsvakurudza nekunyora chikamu chimwe nechimwe cheurongwa hwebhizimisi.
4. Panofanira kuva nechimwe chinhu mauri kune chikwereti chako.
Uye urongwa hwebhizimisi rako kana nzvimbo inofanira kuratidza izvi. Kana uri kuedza kuwana chikwereti chiduku chebhizimisi, 'izvo zviri mazviri' zvakajeka - chiyero chekudzoka. Asi vamwe vangave vatengesi vangave vangave vachida kunamatira minwe yavo muchitoro chako, vachitsvaga huwandu hwehuwandu hwemari kana kuti zvimwe vanoti mune bhizimisi rako rinoshandiswa sei.
Ngirozi vatengesi , kunyanya, vanowanzoda kutamba mamwe mabasa ekushanda kwekambani. Kazhinji, aya marudzi evanhu vatengesi vari kutarisawo mazinga ekudzoka kudarika avo vaigona kuziva nezvimwe zvikwereti zvemagariro.
Angel Investor s haisi nyore kuwana asi akakodzera kuedza.
Paunenge uri kuisa bhizinesi rako rekubhadhara mari pamwe chete, zive kuti ndeupi mutero wauri kuedza kukunyengera nekugadzirisa chirongwa chako chebhizimisi maererano nekusangana nemari iyo yaanoda uye kupindura mibvunzo yake yese.
5. Iva wakagadzirira kupa mari.
Mazairo anobatsira, kunyanya zvinhu izvo vatengi vanozoona semari. Asi kugovera yako mari yemari yeimwe rudzi ingave yakakosha kuchengetedza bhizimisi shoma rauri kuedza kuwana. Zvizhinji zvehurumende zvakabhadhara zvikwereti zvemabhizimisi maduku uye zvipo zvinokumbira mupiro wemubvunzi, kazhinji kechikamu chemazana emari yebhizimisi mari yakatsvaga.
Bhizimusi kutanga-up mari yekubhadhara haisi kusunungurwa. Kunyangwe Ihurongwa Hwekuzvidzivirira , sezvo inotarisirwa mune mamwe mapurisa, inokumbira vashandi kuti vaite mari yavo pachavo kutanga bhizinesi.
6. Kukura uye zera rebhizimisi rako.
Ndine chokwadi chekuti unoziva kuti mabhizimisi matsva ane nguva yakaoma yekuwana mari yebhizimisi shoma kupfuura mabhizimisi ane zvinyorwa zvitsva. Asi uwandu hwebhizimisi rako hunokoshawo maererano nehuwandu hwemari yako yebhizimisi mari inokubhadhara iwe.
Kana uri kutsvaga chikwereti chemabhizimisi kubva kubhangi kana chikwereti chebato, iwe unowanzobhadhara chikwereti chechibereko kupfuura 1.5% papamusoro pepabhadharo yepamusoro kana uchikumbira chikwereti chiduku (pasi pe $ 100,000) kana kutengesa zvishoma kudarika $ 500,000 ( Matambudziko eBhengi, CFIB Research Report, November 2007). Mushumo unotiwo iwe unowanzobhadhara mari iyi yepamusoro yekutora kana iwe une bhizinesi rine vashandi vasingapfuuri makumi maviri uye / kana pasi pemakore gumi ezviitiko zvebhizimisi.
7. Dzimwe mabhizimisi dzine nguva yakaoma zvikuru kuwana bhizinesi rebhizimisi duku pane vamwe.
Unenge usina kukanganisa kana uri kutsvaga mari shoma yebhizimisi yebhizimisi mune zvekutengesa, kushanda kana kugamuchira zvipatara, kunyanya kana uri kutsvaga bhizimusi kutanga mari. Ini pachedu ndinofunga kuti hapana chakaipa nekutanga bhizimisi rakadaro, asi vatengi vanoona kuti mabhizinesi aya ehu huwandu hwehuwandu hwemabhizimisi mune dzimwe nzvimbo.
Mabhizimisi ari mune mari, inshuwarisi, zvivako, hupfumi uye zvekurima hazviwanzoita kuti zvikwereti zvadzo zvemari zvikwereke ( Banking Matters , CFIB Research Report, November 2007).
8. Iwe uri bhizinesi rako kubva pane mari yekutarira.
Nhoroondo yako yemari yemari ichaongororwa zvakanyatsogadziriswa nemumwe munhu anogona kukwereta iwe unoswedera. Iwe unogona kuwana kuti uyo anokweretesa anongoda kukupa iwe chikwereti chako pane chikwereti chiduku chebhizimisi kana kuti unotarisirwa kuisa chibvumirano chako chemari yako.
Zvakaipisisa, chero zvikanganiso munhoroondo yako yezvemari, zvakadai sechikwereti chakaipa kana kusagadzikana, kunogona kukugumbusa iwe kubva pamakambani ekubhadhara mari shoma. Zvakakosha kuti iwe utore matanho ekuchenesa zvinyorwa zvako zvemari, zvakadai sekugadzirisa chikwereti chako, iwe usati waedza kuwana mari shoma yebhizimisi.
Kune dzimwe mari shoma yemabhizimisi inowanika kune avo vasina zvikwereti zvakakwana zvekwereti zvakadaro. Kana usina chikwereti chekwereti kana chibvumirano nekuda kwekurambana, nokuti uri mutsva wekubva kune imwe nyika kana kuti nekuda kwehuduku, kana kuti iwe une chikwereti chakashata chekubhadhara nekuda kwezvokubhadhara, iyo yako Community Community Loan Fund inogona kukuda kukupa chikwereti chiduku chebhizimisi .
9. Kune mari shoma yemari yemari, kunyanya kuvakadzi.
Kune dzimwe nzvimbo zvekubhadhara zvakagadzirirwa zvakananga kubatsira vakadzi kutanga uye kukura mabhizimisi maduku kudarika kare. Kana iwe uri mukadzi achitarisa kutanga bhizinesi kana kuwedzera bhizinesi duku riripo, zvikwereti zviduku zvebhizimisi zvinowanikwa - uye kunyange zviitiko zvishoma zvebhizinesi rebhizimisi.
10. Haudi mari yakawanda yekutanga bhizinesi duku.
Kungoti bhizinesi rinotanga kunyanya hazvirevi kuti harina kupfura pakuva kubudirira kukuru.
Brian Scudamore, somuenzaniso, akatanga 1-800-GOT JUNK? neine imwe chete yakashandiswa pariiri apo aive mudzidzi weyunivhesiti muna 1989.
Susan Olivia Poole akasika yekutanga Jolly Jumper kubva mubasa remutsva, mucheka, uye chitubu. Jolly Jumper akapfuurira kuva mutengesi munyika yose.
Iwe unonyatsoda mari shoma shoma yemabhizimisi sezvaunofunga kuti unoita here?
"... mutemo wekutanga wekubhadhara mari," anodaro Rick Spence, "ndezvekuita nechekuita mari shoma sezvaunogona nokuti kutsvaga mari kunogona kukonzera nguva inokosha iyo inogona kushandisa zviri nani kuchengetedza bhizinesi".
Kunyanya kana iwe uri kutsvaga bhizinesi kutanga-up mari, funga kuti ungakwanisa sei kudzokorora pfungwa yako yebhizimisi kana kuiisa muzvikamu kuitira kuti ugone kuwana bhizimisi rako idzva richimhanya pasina kukwira kukuru kwemari yebhizimisi shoma.
Kuchengeta pfungwa dziri pamusoro apa zvichakuchengetedza nguva, ita kuti kutsvaga kwebhizinesi rebhizimisi rive nyore uye kuwedzere mikana yako yekuwana mari shoma yekubhizimisa yauri kutsvaga nokuti kana ukashandisa aya gumi gumi pamusoro pekubhadhara mari yebhizimisi kumari yako yekutsvaga , iwe unenge wakanyatsogadzirira kuwana vakweretesa avo vanogona kufarira kubhadhara bhizinesi renyu uye iwe uchave wakagadzirirwa kuti uite zvavanotarisira paunoita.