Zvigadziriswa zvinoda, kubhadhara chikwereti, nemimwe mibvunzo yakapindurwa
The Small Business Administration (SBA) 7 (a) Purogiramu yeRoan Guarantee ndiyo imwe yemapurogiramu anozivikanwa zvikuru ekubhadhara mari inopiwa nehurumende uye ndiyo chirongwa chakakosha chechikwereti cheSBA. A 7 (a) chibvumirano chezvikwereti chinopiwa kune vanokweretesa kuti vawedzere kuda kupa mari kumabhizimisi maduku ne "utera" mumabasa avo ekukweretesa.
Semuenzaniso, kutanga kwebhizimisi kwaisazova nemari inoyerera munhoroondo kupa mukwereti nechivimbiso chekugadzirisa kukwanisa kubhadhara chikwereti, saka SBA 7 (a) chikwereti chaizoshandira kupa mukwereti nezvakawedzerwa guaranty pakusatadza.
SBA inonyevera, kunyange zvakadaro, kuti vateresi havafaniri kubvuma 7 (a) chikwereti.
Ndingawana Zvakawanda Sei muSBA 7 (a) Mhosva?
SBA 7 (a) zvikwereti ndezvakawandisa $ 2 mamiriyoni, uye chirongwa cheSBA chechikwereti hachikwanisi kudarika $ 1.5 mamiriyoni (75 muzana). Nheyo dzeSBA 7 (a) zvikwereti makore makumi maviri nemakumi maviri edzimba uye midziyo nemakore manomwe ekushandira mari. Nharaunda dzinofanirwa dzichienderana nehuwandu hwehutengo, hukuru hwechikwereti, uye kukura kwechikwereti.
Ndezvipi Zvigadziriswa Zvigadziriswa zve 7 (a) Kwereta?
Zvikwaniro zvekukodzerwa kune (7) a) zvikwereti zvinosanganisira:
- Bhizimisi uye muridzi wezvaunoda: Bhizimisi rako rinofanira kutsanangurwa se "bhizinesi duku" neSBA, unofanira kunge uri kushanda kune purofiti mukati meU.S. kana kuti zvinhu zvayo. Unofanirwa kuva nemari yekuisa mari yako pfuma yako mubhizinesi rako, uye iwe unofanira kuratidza kuti chikwereti ndechechinangwa chebhizimisi rakanaka. Uyewo, haufaniri kuve nokunyadzisa pane zvikwereti zvese zviripo kune hurumende yeUnited States (yakadai sezvikwereti zvevadzidzi).
- Zvinokodzera uye zvisingabvumirwi marudzi emabhizinesi: Mhando zhinji dzemabhizimisi dzinokodzera, kunze kwekugara kwedzimba nemamwe mabhizinesi anofungidzirwa, makambani anokweretesa, mapiramidi ekutengesa makambani, makambani anobata mabasa asina kukodzera, uye avo vasina mararamiro muzvisikwa.
- Zvinokodzera zvebhizinesi zvinangwa: 7 (a) zvikwereti zvinogona kushandiswa nekuda kwezvinangwa zvebhizimisi sekutenga munda kana zvivako, zvigadzirwa, mishonga kana zvigadzirwa; kwenguva yakareba kana kwenguva pfupi kushanda ; for refinancing; kana kuti kutenga bhizimisi riripo.
Heino mutsara wakazara wemashoko anoita bhizinesi kukodzera SBA 7 (a) chikwereti:
Ndinowana Sei SBA 7 (a) Mhosva?
SBA haina kukwereta zvakananga mari kumabhizimisi maduku; iyo inotsigira chikwereti, ichiita se -co-signer .
Iwe unofanira kutanga watora chikwereti chakabvumirwa neSBA uye ushande kuburikidza nemutero uyu. Mukwereti achakukumbira kuti upedze chikwereti che (7) a) chikwereti, uye iwe unoshanda pamwe nemunhu anokweretesa pamapepa anonzi SBA.
Zvinotora Nguva Yakadini Kuti Uwane SBA 7 (a) Mhosva?
Zvakaoma kutaurira zvakananga kuti chirongwa chinotora chikwereti chingatora kwenguva yakareba sei nokuti chikwereti chimwe nechimwe chakasiyana. Iwe unogona kuda kubvunza chikwereti chako pamusoro pekwereti ye SBAExpress, nokuda kwechikwereti chiduku, chinokurumidza kuchinja nguva.
Robert Longley, Mumiririri wehurumende yeUnited States, anoti Express Mhiko uye dzimwe mhando dzezvikwereti zveSBA, zvinogona kubhadhara mari mukati memazuva mashoma.
Kuti uitange, taura nehofisi yako yeSBA yekune imwe nzvimbo uye bvunza nezvevateresi, kana kushandisa sangano reSBA reSBA rinokubvumira kuti ubatane nevanogona kukweretesa paIndaneti.