Inenge Yose Mabhengi Anoda Kushandira Kwemabhizimisi Maduku Mari yekubhadhara
Dhaka inoreva zvinhu zvaunoda kuisa kuti uwane chikwereti, zvakadai sechikwereti chiduku chebhizimisi .
Mari dzinoshandisa zvinhu zvinooneka sezvikwata zvinonzi zvivimbiso zvakachengetedzwa (zvisinei nezvikwereti zvisina kuchengetedzwa). Kubatsira kwezvikwereti zvakachengetwa ndechokuti ivo kazhinji vane purofisi yakaderera yakaderera kupfuura zvikwereti zvisina kuchengetedzwa.
Asi kuti uwane chido ichocho chakanaka (kana dzimwe nguva chero chikwereti zvachose) chinogona kuva nengozi; kana iwe usingakwanisi kubhadhara chikwereti chako sezvawakarongwa, zvinhu zvawakashandisa sezvikwata zvichabatwa uye zvinotengeswa, uye mari inomutswa nokutengesa zvinhu ichashandiswa kubhadhara chikwereti.
Ndicho chikonzero nei vateresi vachida kubhadhara; kana chikwereti ichienda kumaodzanyemba, ivo vacharamba vachiwana chimwe chinhu kunze kwokukweretesa iwe mari.
Forms of Collateral
Imba yako, motokari yako, pfuma, kana midziyo yese mienzaniso yezvinhu zvinooneka izvo iwe unogona kushandisa sechikwata chekubhadhara chikwereti . Kunyanya, iyo yefa inofanirwa kuva nehuwandu hwehudziri kuti chikwereti chikwereti chinogona kubata kana chikwereti hachiri kubhadharwa.
Nhaka iyo ine zvikwereti zvinokonzerwa nayo (yakadai seimba ine chikwereti) inogona kushandiswa sechibvumirano kana bhanhire rinogona kutora chikwereti chiripo uye kuda zita racho.
Kwemabhizimisi, zvinhu zvakadai semidziyo zvinogona kushandiswa sezvikwata. Semuenzaniso, bhizinesi rinoda chikwereti kutenga taraira itsva inokwanisa kushandisa tereiler yekutengesa. Mari inokwereta bhizinesi ( Maakaiti Anogamuchirwa ) anogonawo kukodzera. Kana, semuenzaniso, bhizimusi rinogamuchira urongwa hukuru hwemashumiro kana zvipimo asi unoda chikwereti chenguva pfupi kutenga mari yacho kubva kune vatengesi vese kana kubhadhara vashandi vakawedzera kuti vateerere urongwa, urongwa huri pachahwo hunogona kushanda semari.
Kukoshesa Kubatana
Kana uchitarisa zvinhu, kazhinji mupepeti anoitisa chikwata chekuongorora uye kuongorora kuongororwa kwenzira kuti aone kukosha kwemusika. Zvisinei, iyo yakapiwa kukosha kwayo inowanzoswedera pedyo ne "moto-kutengesa" kukoshesa panzvimbo yekutengeserana kwemari. Mune mamiriro ezvinhu apo anokweretesa anoda kutengesa iyo yakagadziriswa mari yekuwana mari yekuwana mari inokweretwa, vangave vasina kutengesa zvinhu zvekutengesa nokukurumidza.
Nhengo dzekutengesa dzinogonawo kuchinja zvikuru kupfuura nguva. Mune misika yematengesi edzimba, somuenzaniso, kukosha kwemari yeimba neimba kunogona kuva zvishoma kana chikwereti chinoda kuchinjwa uye chibvumirano chiri kuongororwa zvakare.
Kusarudza kana imwe yefa inosvika seyakagadziriswa seyakatora uye kuti yakakosha zvakadini kusvika pakuziva kweiye anokweretesa. Kazhinji chikwereti chichapa chikwereti chekufarira maererano nechinangwa chaanoona. Kana zvinhu zvakasara zviri zvemukati zvakakodzera uye / kana kuti njodzi yekusiyiwa iri yakakwirira, uyo anokweretesa angangodaro anoda mutengo wepamusoro wekufarira kune chikwereti - iyo inowanzova iyo mamiriro madzimai emabhizimisi maduku vanozviwana.
Zvipfeko Zvomunhu Somunhu Akabatwa Nekubhadhara Kwemabhizimisi Maduku
Kusiyana nemabhizimusi makuru anogona kunge ane pfuma yakawanda yakadai sedzimba, zvivako, kana zvigadzirwa, zviduku kana zviyero zvakashambadzira ( SMEs ) kazhinji hazvive nehupi hwehutori huripo uye saizvozvo hahukwanisi kubhadhara zvikwereti kubva kune mamwe masangano emari kunze kwekuti vene iyo bhizimisi yakagadzirirwa kuisa pfuma yega sehutori (inozivikanwa seBy Personal Guarantee).
Kupikira hupfumi hwebasa rebhizimisi kune bhizinesi kune huwandu hwakawanda hwehutambudziro - kunyange kana bhizinesi iripo iyo mutevedzeri anogona kutora zvinhu zvemuridzi (s) kana zvisina kubhadhara chikwereti.
Bhizimisi Equity Kubhadhara
Kune vanhu vazhinji vanoita bhizinesi, pane bhizimisi risina kukwana kana kuti mari yega yega inowanikwa kuwana mari yakachengetedzwa kubva kune chikwereti chekwereti; ivo vachafanirwa kutsvaga dzimwe nzira dzakadai semakweretheni maduku uye emunharaunda yemari (kana mari inotsvakwa yakawanda zvakakwana) kana kuvimba nemari yekutengesa panzvimbo. Nekubhadhara mari yebhizimisi bhizinesi rako rinotora kune vashandi vanoisa mari mubhizimisi mukudzoka kwekugoverana kwekugovana - vanova chikamu chevadzidzisi vebhizimisi uye sevakadaro vanotaura kuti mabhizimisi anoshandiswa sei.
Equity vatengesi vanowanzowa mumakirasi maviri:
- Ngirozi vanoita mari - inowanikwa mumatare anokosha avo vari kutarira kuisa mari kusvika ku $ 100 000 mumabhizimisi anogona kupa huwandu hwekudzoka kudarika mari dzemazuva ano. Kunewo vatumwa vemapoka emari vanoisa mari yavo yekutsvaga mune zvebhizimisi.
- Venture Capitalists - mapoka ekubatana ayo anowanzoisa mari inenge $ 1 000 000 mumabhizimisi akavakwa ari kukura uye anoda ruzivo rwekuwedzera.
Onawo:
Nzira Yokuwana Mari Mikuru Yebhizimisi
Kuwana Small Business Financing