Zvemabhizimisi uye Indasitiri (C & I) zvikwereti zvikakosha-uye kukura-chikamu chemari yebhangi yeUnited States yebhizimisi.
Kubvira munaMarch 2018, mari inodarika madhora 2122 mabhiriro aivapo, kubva pa $ 1,065 mabhiriyoni muna 2000.
Nei C & I chikwereti ichive chakakurumbira? Maererano neAmerican Banker, "Kukweretesa kweBhangi kunonyanya kukosha kumabhizimisi mashoma asingakwanisi kubhadhara mari nekupa mabhizimisi kana kuti mashizha." Nemhaka yokuti iri nguva pfupi, idzi zvikwereti zvinoshandiswa kunyanya kushanda mari kana kutenga zvigadzirwa zvekushandisa kutanga kana kuwedzera, kwete kusanganisira dzimba.
C & I Zvinyorwa Zvitsva uye Cons
C & I zvikwereti zvakakurumbira nokuti zviri nyore kutora chikwereti nokuwana chikwereti chebhizimisi pane kuti ive nevanotengesa vagoti. Zvinotora nguva yakawandisa nemari yekuunganidza vatengesi, uye kuva nevarimi zvinoreva kuti mumwe munhu anotarisa pamapfudzi ako.
Kubhadhara kukura nekuwedzera kuburikidza nekushandisa chikwereti-chikwereti cheC & I-chinogona kuitwa nokukurumidza kana iwe uchida zvikwereti zvekubhadhara uye zvekubhadhara chikwereti. Kukanganisa kwechikwereti ndeyekuti inofanirwa kubhadharwa, uye kubhadhara chikwereti (kubhadhara mari) kunogona kukwirira.
Bhizimisi rako rinofanira kuramba richibhadhara chikwereti, kutora mari inodiwa yekushanda.
Ndezvipi Zvitengo zveC & I Zvashandiswa?
Pane dzimwe nguva muhupenyu hwebhizimisi shoma apo mamwe mari ekuwedzera anodiwa apo kutsvaga Chikwereti C & I chingabatsira:
Kubata basa. Kubhadhara zvikwereti zvemari zvikwereti zvenguva pfupi kubatsira bhizinesi rine mari-inodiwa.
Nguva mbiri muhupenyu hwebhizimisi kana zvingada mari yakawedzerwa iri pakatanga uye panguva yekuwedzerwa. Panguva idzi, kubuda kwemari kwakawanda kudarika mari inouya, kusvikira vatengi vese vatengi uye zvikwereti zvingaitwa.
Capital financing. Kuwedzera uye kukura, mabhizimisi maduku anoda zvitsva zvishandiso nemichina uye mamwe emari (pfuma) zvinhu. Chikwereti che C & I chinogona kubatsira kuzarura imba yekuchengetedza, kugadzira mutsara wekugadzira, kugadzirisa kana kugadziriswa kune zvivako zvinenge zviriko, kugovera chitoro chekutengesa, kana kutenga mhando yezvigadzirwa.
Acquisitions uye kuwirirana . Bhizimisi rako ringada kugoverana nemutengesi kuti abudise chigadzirwa chitsva kana kusangana nemupikisani mukubatana. Kubhadhara mabhizimisi aya anoshanda neC & I zvikwereti inzira yakanaka yekukura bhizinesi rako.
Chii Chandinofanira Kuwana C & I Chikwereti?
Collateral. Sezvakataurwa pamusoro apa, iwe unoda mari-zvese iwe unogona kuita kuti uwane chikwereti. Kana iwe uri kutenga midziyo kana motokari, inogona kushandiswa sechibvumirano.
Zvimbiso zveMunhu . Kana iwe uri mumamiriro ezvinhu ekutanga, iwe unogona kunge usina mari. Zvakaoma kuwana chikwereti cheC & I pasina kubhadhara, asi iwe unogona kuwana mukwereti uyo achatora chipikirwa chake. Iwe unogona kunge uchida kubhadhara zvimwe zvinhu zvako.
Co-signer . Kana zvimwe zvose zvisingakwanisi, ungakwanisa kuwana mumwe munhu anonyora mari yako yeC & I. Uyu munhu achange aine humwe hupfumi hwemunhu kana bhizimusi hunogona kushandiswa sezvibvumirano.
Zvinyorwa uye Kushanda. Iwe uchada kuzadza pepa rezvinyorwa zvechikwereti. Kutanga, iwe unoda bhizinesi rebhizimisi rinoratidza mari yaunoda, ichashandiswa sei, uye kuti unoronga kuribhadhara sei. Iwe uchadawo zvinyorwa zvezvemari zvichiratidza bhizimisi rako rekare rebhizimisi uye bhizinesi (uye zvichida uri munhu) mutero wemitero kwemakore akawanda.
Ko C & I Miheji Inofananidzwa Nezvipi Zvimwe Mari Mihizimisi?
Zvimwe zvikwereti zvebhizimisi zvaungafunga:
Dzimba Dzimba dzekutengesa (CRE) zvikwereti ndezvekutenga kwebhizimisi real estate; iyo ndiyo yakaenzana nechikwereti chekutenga chikwereti chemunhu chaiye weimba. Izvo zvikwereti ndezvikwereti zvemazuva mazhinji, tichishandisa zvivako sezvikwata.
A line of Credit. Chikwereti chekwereti inzira yekuisa mari mubhizinesi rebhizinesi rebhizimisi rako, uye kubatsirwa kwayo ndeyekuti iwe unongobhadhara chikwereti pamutengo waunotora. Mutsara wechikwereti unogona kuchengetedzwa kana kusachengetedzwa, zvichienderana nemamiriro ezvinhu; mari isiri yakachengetedzwa inobhadharwa kune imwe yenhamba yekutora.
Factoring ndiyo nzira yekuwana mari kuburikidza nekushandisa kambani inogamuchirwa sechibvumirano. Zvikwereti zvinowanikwa zvakanyanya, asi iwe unogona kuwana mari nokukurumidza.
Ndinokwanisa Here Kuwana SBA C & I Loan?
Kunyange zvazvo Small Business Administration (SBA) isingakweretesi zvakananga kumabhizimisi, unogona kuwana rubatsiro rweSBA nekwereti yeC & I. Iwe ungada kuongorora shanduro yakapiwa SBA 504, iyo inogona kushandiswa kumidziyo kana kuwedzera. Ichi chinyorwa chinobva kuThe Balance chine ruzivo pamusoro pezviverengero zvezvikwereti zvinokweretwa zveSBA.