Kukwereta (inozivikanwawo se "mari yekubhadhara") mukunzwisisa kwayo ndeye kupa kwenguva pfupi mari kana pfuma kune mumwe munhu ane tarisiro yokuti ichadzorerwa. Mune bhizinesi uye mune zvehupfumi, kukwereta kunosanganisira marudzi akasiyana-siyana ezvikwereti zvemari.
Kukweretesa nekukwereta ndiko kubatanidzwa kumwechete kune maonero maviri.
Chii Chinonzi Lender?
Vatengesi mabhizimusi kana masangano emari anokweretesa mari, nekutarisira kuti ichabhadharwa zvakare.
Uyo anokweretesa anobhadhara chikwereti kune chikwereti semari yekubhadhara chikwereti. Iyo yakakonzera njodzi yekusabhadharwa zvakare, inowedzera chikwereti chechido.
Kukweretesa bhizinesi (kunyanya kune bhizimisi idzva rekutanga ) kune ngozi, ndicho chikonzero vanokweretesa vanobhadhara mari yepamusoro yekutora uye kazhinji havaiti zvikwereti zviduku zvebhizimisi.
Vatengesi havabatanidzi mubhizinesi renyu nenzira imwecheteyo sevashandi vemunharaunda mune imwe nhengo kana vadzidzisi / vashandi mune mamwe mabhizinesi ebhizinesi. Mune mamwe mazwi, chikwereti hachina unhu mune bhizinesi rako.
Vatengesi vane rudzi rwakasiyana rwemungozi kubva kune vhizimisi vemabhizimisi / vashandi. Vatengesi vanouya pamberi pevanini mumashoko ekubhadhara kana bhizinesi risingakwanisi kuripa mabhidharo kana kupera . Izvozvo zvinoreva kuti iwe unofanira kubhadhara vateresi kumashure mako iwe nevamwe vadzidzisi vagamuchira chero mari mukuputsa.
Ndeapi marudzi eZvikwereti zveMari?
- Bhizimusi yekubhadhara kwebhizimisi shoma kutanga-up uye kushanda kwemari
- Asset mari yekushandisa mashizha nemichina kana motokari dzemotokari.
- Mortgages
- Chikwereti chekubhadhara mari
- Vendor financing (kuburikidza nebhizimusi rekwereti)
- Munhu oga (asina kuchengeteka) chikwereti
Mhando yemukweretesi yaunoda kuti zvikwereti zvebhizimisi zvinoenderana nezvimwe zvikonzero:
- Mari yekukwereta. Mari yaunoda kukwereta inokanganisa rudzi rwekweretesa. Kana uchida zvikwereti zvakakura, unogona kuve nekubatanidzwa kwemhando dzezvikwereti zvemari.
- Assets akapikira. Kana uine zvinhu zvebhizimisi iwe unogona kutora semari yekubhadhara chikwereti, unogona kuwana mazwi ari nani kupfuura kana chikwereti chako chisina kuchengetedzwa.
- Rudzi rwemari. Chikwata chinowanzoitirwa pasi nekuvaka, asi chikwama chekushandisa mari ndeyekubhadhara mari yekushandisa mari semidziyo.
- Kutanga kana kuwedzera . Chikwereti chekutanga chinowanzooma zvikuru kuwana kune chikwereti chekuwedzera kwebhizimisi riripo. Kuti uende, iwe unogona kutarisa mamwe emhando dzisingagumi dzevakweretesi vanotsanangurwa pasi apa.
- Nguva yekukwereta. Unoda nguva yakareba sei mari? Kana iwe uchida chikwereti chenguva pfupi chekutanga kwebhizimisi, iwe uchange uchitsvaga chikwereti chakasiyana pane chikwereti chenguva refu yevhu uye kuvaka.
Ndeapi Marudzi Akasiyana Evateresi?
Zvikwereti zvinowanzojairika mabhengi, zvikwereti zvemari , uye mamwe masangano emari.
Munguva pfupi ichangopfuura, izwi rakweretesa rakashandiswa kuti ritaure kune zvishoma zvidzinza zvemari zvezvikwereti zviduku zvebhizimisi, kusanganisira:
Vezera-kune-peer chikwereti - kukwereta kubva kuvanhu, kuburikidza nemasangano ekuInternet seLenders Club.
Crowdfunding , kuburikidza nemasangano akaita seKickstarter, nevamwe. Chinhu chakanaka pamusoro pevakweretesi ava ndechekuti havakwanisi kutora chikwereti!
Borrowing from family and friends. Iko kune masangano anobatsira kuronga zvinhu zvinotyisa zvehupfumi uye zvehupfumi zvinosanganiswa nemitambo iyi. Kana uri kufunga nezvechikwereti kubva kune mumwe munhu waunoziva, iva nechokwadi chekugadzirira chikwereti chechikwereti. Izvi zvibvumirano dzimwe nguva zvinonzi pamba yemari chikwereti.
Borrowing from yourself. Iwe unogonawo kubhadhara mari kune bhizinesi rako seimwe nzira yekuisa mari mukati mayo, asi iva nechokwadi chokuti une chikwangwani chakanyorwa chinonyatsotsanangura basa rako seunokweretesa, pamwe nekubhadhara nguva dzose nemigumisiro kana bhizinesi risina kukwana.
Kutsvaga Mutengi?
Sezvaunotarisira chikwereti, funga rudzi rwechikwereti chaunoda, pasinei nokuti une zvinhu zvekubhadhara chikwereti, uye zvimwe zvikonzero zvichagonesa kukwanisa kwako kuwana chikwereti chebhizimisi nemitemo yemari yacho.
Kuti uwane mamwe mashoko, ona nyaya yangu pamusoro pe 4 C's Credit.
SBA Mikopo uye Vatengesi
Unogonawo kufunga nezveBusiness Business Administration , iyo inoshanda nevakweretesi kupa zvikwereti zvezvikwereti kumabhizimisi maduku. Zvayo 7 (a) purogiramu yezvikwereti inobatsira mabhizimisi maduku kutenga zvikwereti izvo zvisingakwanisi kukodzera nokuda kwe "kusava nesimba" mumabasa avo. I-SBA inewo mamwe mapurogiramu akweretwa ayo bhizinesi rako rinogona kukodzera.