Kuwana mari yebhizimisi yako mitsva
Ichokwadi, kunyange zvakadaro, ndechokuti kune vashandi vezvemabhizimisi, iwe unofanira kujekesa pfungwa yako kutanga munhu asati aisa mari iyo. Asi mabhizinesi akawanda anoda chimwe chinhu chekutanga mari yezvinhu zvakadai sekuverenga, kutengesa, zvivako zvemuviri, kushandiswa kwemari, nezvimwewo.
Maererano neU.S. Small Business Administration (SBA), "Kunyange zvazvo hutano husina kunaka hunotaurwa kakawanda sekuti mabhizinesi anokanganisa, kusakwanira kana kusagadziriswa mari ndeyechipiri." Dzimwe nguva zvinosvika pakuderera kwemari nyore - makambani akawanda akavhara masuo avo nokuti haaikwanise kuzviita mamwe mwedzi mishomanana kusvikira mari yasvika.
Paunenge uchitsvaga zvaunogona kushandisa mari, pane zvimwe zvinhu zvinofanira kufunga nezvazvo:
- Iwe unoda here nguva shoma kana nguva refu? Iwe uchakurumidze sei kukwanisa kubhadhara chikwereti kana kupa kupa kudzokera kune utsva hwavo?
- Imari yekushandisa mari yekushandisa kana yekushandiswa kwemari iyo ichava zvinhu, zvakadai semidziyo kana pfuma?
- Iwe unoda mari yose iye zvino kana zviduku zvishoma pamwedzi yakawanda here?
- Unoda here kutora njodzi yose kana kambani yako isingabudiriri, kana iwe unoda mumwe munhu kuti agove nengozi?
Mhinduro dzemibvunzo iyi dzichakubatsira iwe kutarisa matanho akawanda emari anowanikwa.
Zvinonyanya kukosha, kune marudzi maviri ekubhadhara kwebhizimisi :
- Chikwereti chekubhadhara - Unokwereta mari uye unobvumirana kubhadhara zvakare munguva yakatarwa pachidimbu chechibereko. Iwe unokwereta mari yacho kana hutano hwako huri kubudirira kana kwete. Bhengi mabhengi ndizvo izvo vanhu vakawanda vanofunga sechikwereti chekubhadhara mari , asi tichaongorora mamwe maitiro akawanda pasi apa.
- Equity mari yekubhadhara - Unotengesa pfuma yekambani yako mukutsinhanisa mari. Varairimi vanofunga zvose (kana zvizhinji) zvepangozi - kana kambani ikundikana, vanorasikirwa nemari yavo. Asi kana ikabudirira, inowanzoita kudzoka kukuru pane zvekutsvaga kwayo kudarika chikwereti. Mune mamwe mazwi, kubhadhara mari yakaenzana kunodhura zvakanyanya kana kambani yako iri kubudirira, asi yakanyanya kudhura kana isina.
Nemhaka yokuti vatengesi vanotora ngozi yakawanda kwazvo kupfuura vakweretesi, ivo vanowanzobatanidzwa zvikuru mukambani yenyu. Izvi zvinogona kuva chikomborero chakavhenganiswa. Vangangopa mazano nekubatanidza kuti vabatsire kukura bhizinesi renyu. Asi kana chirongwa chavo chirikubuda nekambani yenyu mumakore matatu nemakore ekudzoka kwakanyanya pamusana pekutsvaga kwavo, uye chinangwa chako ndechekugara kwenguva yakareba kukura kwekambani, iwe ungazviwana iwe uchipesana navo sezvo kambani ichikura. Ngwarira kuti urege kurega kutonga kwakanyanya kwekambani yako.
Ngatinyatsoongororei maitiro akawanda anowanika kutanga.
Shamwari nevemhuri vachiri ivo vanonyanya kukosha kune zvose zvikwereti uye kuenzanirana kunobata. Izvo zvinowanzoita zvisinganyanyi kukosha pamusoro pekwereti yako uye kutarisira kwadzo kutarisirwa. Rimwe caveat: sarudza mutengo wacho nechisimba chepamutemo chaunogona iwe neumwe munhu kana kuti chinogona kugadzira matambudziko mumugwagwa paunotarisira mari yakawedzerwa.
Gadzirira hurongwa hwebhizimisi nemagwaro akanyorwa - iwe mose mose munonzwa zviri nani, uye inofanirwa kuita zvekare.
Marikiti yemakadhi ibasa guru rekuita mari yekufambisa mari, achifunga kuti iwe unoshandisa izvo chete izvo uye kwete kwemazuva mazhinji ekubhadhara mari. Chengetedza kadi imwe kana maviri isina chikwereti pairi uye uripe iyo mwedzi woga woga kuti uzvipe kutengesa kwemazuva makumi matatu kusvika kwema 60 usina chaunofarira. Uye iyo mitengo yakatangira yemamwe makadhi inoita kuti ive imwe yemari inodhura kupfuura iyo. Kutungamirirwa zvakanaka, ivo vanobudirira kwazvo; yakagadzikana zvakanaka, inodhura zvikuru.
Bhidhiro dzebhangi dzinouya mumhando dzose uye hukuru, kubva kuma microloan emazana mashoma madhora, anowanzopiwa nemabhenji emunharaunda, kune zvikwereti zvitanhatu nemabhanki makuru enyika. Izvi zviri nyore nyore kuwana kana zvakatsigirwa nezvinhu (imba yekuenzanisa kana IRA) kana kuti vatatu vechengeti vevatongi (semuenzaniso, zvikwereti zvehurumende zvinotsigirwa nehurumende kana sangano rekosi).
Kana iwe ukawana mutsara wechikwereti panzvimbo pane chikwereti chakagadziriswa-chikwereti, hauzotanga kubhadhara chikwereti kusvikira iwe ukashandisa mari yacho.
Leasing ndiyo nzira yekuenda kana iwe uchida zvinhu zvakakura-matikiti zvakadai semidziyo, motokari, kana kunyange makombiyuta. Mutengesi wako achakubatsira kuti uongorore izvi.
Ngirozi vanoisa mari vanozadza musiyano pakati pehama neshamwari uye vanoita zvekutengeserana , izvo zvino zvisingatomboiti kutarisa zviwanikwa pasi pe $ 1 mamiriyoni. Tsvaga mupi wezano wezvemari kuti aumbe sangano racho.
Kubhadhara chikwereti kunomirira nzira inobatsira kana bhangi ichiti "kwete". Vakweretesa vari voga vari kutsvaga ruzivo rumwechete uye vachaita zvakafanana nekushingaira semabhanki, asi ivo vanonyanya kushandiswa mune imwe mabhizimisi uye vari kunyatsoda kutora zvikwereti zvakanyanya kune ngozi kana vachiona zvakakosha.
Iko kune nzira dzakawanda dzinowanikwa kwauri kuti uwedzere mari. Zvose zviri pamusoro apa zvakasiyana-siyana. Isa pamwe chete chirongwa chakasimba chebhizimisi , taura nemuridzi wezvemari, uye tangotanga kukumbira. Mumwe munhu achazoti "Hongu".