Zivai matanho aunofanira kutora usati washandisa shanduro ye SBA yekambani yako
Kana zvasvika pakuwana chikwereti, bhizimisi rekuita bhizinesi rakaita kuti zvive nyore kune vakakumbira chikwereti kuwana mhando dzakasiyana dzezvikwereti.
Izvi ndezvokuti, kana iwe ukakumbira chikwereti chakatsigirwa neSBA, mabhangi anonyatsoda kufunga nezvechikwereti nokuti kana zvichiitika chikamu chechikwereti chinotsigirwa neSBA.
Zvakanaka kuziva kuti zvikwereti zveSBA-backs zvakare hazvisi nyore kuti zvigamuchirwe. Mumiririri wezvikwereti anofanira kusangana nezvose zvaanoda sezvinodiwa neSBA. Vakawanda vevakakumbira chikwereti havazivi nzira yekufamba nayo uye vanoona kuti chikwereti chavo chinogamuchirwa neSBA. Pasinei neizvi, pane avo vanoziva nzira yekufamba nenzira yavo kuburikidza nehurongwa hwekubhadhara mari yebhizimusi reSBA. Kana iwe usingazivi kuti ungaita sei kuti chikwereti chako chinogamuchirwa uye chakavimbiswa neSBA, heano mazano mashanu mazano.
1) Kutsvakurudza kune zvingangoita zvikwereti
Sezvo munhu anenge akwereta chikwereti kana kuti panzvimbo iyo muzvinabhizimisi uyo anoda kutanga bhizinesi, zvakanaka kuita tsvakurudzo yekare pamusoro pevakakosha zvikuru. Zvinokurudzirwa kutarisa kune vanokwereta vane mukurumbira wakanaka uye vanopa zvikwereti zveSBA-backed.
Waiziva here kuti kune mamwe masangano emari asina kupa zvikwereti zveSBA-backed?
Nyanzvi dzakawanda dzinokukurudzira kuti ushanyire vateresi vakasiyana vasati vasarudza imwe yakakodzera. Iwe unogona kutsvaga SBA Preferred Lender sezvavanogona kutora zvikwereti zveSBA zvakakurumidza. Enzanisa uye oenzanisa zvikwereti zvekufarira pamwe chete nemashoko uye mamiriro ekusiyana kwezvirongwa zvemari.
Kuita izvi kuchaita kuti iwe usarudze uye usarudze purogiramu ine uwandu hwemari inowanikwa uye zvishoma nezvishoma nemitemo. Nzira iri nyore kuita izvi ndeyokushanyira webusaiti yeSBA uye chengetedza zvipo nemari yezvikwereti uye kuenzanisa vakweretesi vakasiyana.
2) Gadzirira chikwata chako chemari chikwereti
Kana iwe uri kunyanya kubhadhara chikwereti cheSBA, iwe unoda kuve nechokwadi chokuti mushandi wako wekukwereta uye zvinyorwa zvinosangana zvose zvinodiwa. Kutanga, unofanira kuve nechokwadi kuti iwe unotaura huwandu hwemari yaunoda uye zvauri kuda kushandisa mari yacho. Kana iwe uchida chikwereti chekushandira mari, nguva dzose tsanangurira iyo muchikumbiro chako. Iva pfupi uye zvakakwana kuti zvive nyore uye zvakakurumidza kubhadhara chikwereti.
Pane dzimwe nyaya dzinofanirwa kuiswawo mune zvekushanda kwako sechikwata chako chekwereti. Kana une chikamu chakanaka cheFICO, uyo anokweretesa achazogadzirisa chikwereti chako nekukurumidza kupfuura zvawakatarisira. Yeuka, iyo SBA haina kupa zvikwereti zvakananga asi pane vose vanoita zvikwereti vanoisa zvikumbiro kune vanokweretesa vanoendesa zvinyorwa ku SBA kuti vazobvumirwa.
3) Kuonana Nezvakakosha Misoro yeBhizimusi Mari
Bhengi dzakasiyana nevakweretesa vangave vaine zvakasiyana-siyana zvinoda kana zvasvika kune zvikwereti zveSBA-backed. Sezvambotaurwa kare, zvakanaka kuti sarudzo yekunyorera SBA inofanirwa sezvo inogona kukurumidza kubhadhara zvikwereti zvakakurumidza.
Izvi zvichagumisa kushandura nzira yekukumborera chikwereti kwauri. Zvisinei, sezvo zvikwereti izvi zvose zvakatsigirwa neSBA, pane zvimwe zvinowanzodiwa izvo zvinofanira kusangana nemuiti wechikwereti. Semuenzaniso, fomu yekubhadhara chikwereti, urongwa hwehupfumi hwako uye zvinyorwa zvako zvemari.
Zvakakoshawo kutaura mubasa rako kuti unoda kushandisa sei chikwereti chawakakumbira. Unofanirwa kutaura kuti unoronga sei kubhadhara chikwereti. Pakati peimwe dambudziko, isu tinewo chikwereti chekwereti uye zvinyorwa zvekare zvemari zvebhizimisi rako. Kusangana nezvose izvi zvinoda kubatsira SBA kubvumira chikwereti chako munguva pfupi .
4) Unganidza zvinyorwa zvako zvose
Kuti iwe uwane chikwereti chakatsigirwa neSBA, unofanira kuva nechokwadi chokuti une rimwe nerimwe runyorwa rine chokuita nebhizimisi rako. Iwe unofanirwa kuisa magwaro egore negore emari kwemakore akawanda akapfuura.
Izvi ndezvekuongorora nzvimbo yekutsvaga kwako uye kana yakakwanisa kubhadhara chikwereti chawakanyorera.
Iwe unofanirwawo kuve nechokwadi kuti zvinyorwa izvi zvakasvika uye zvakarurama. Iwe unogona kushanyira webhusaiti yeBusiness.gov kuti uwane mamwe mashoko pamusoro pemagwaro ekubhadhara chikwereti chakakodzera.
5) Kubvunzurudzwa kwakakwana Kugadzirira
Kazhinji yenguva, vateresi vakakwanisa kukushevedza kubvunzurudzo yemuromo vasati vakupai chikwereti chemabhizimisi. Zvakanaka kuti uzviratidze nenzira inyanzvi. Iva nechinzvimbo chekusimudzira mashoko ari mune fomu yako yekubhadhara chikwereti nemashoko chaiwo. Izvi zvichaita pachena kuti chikwereti chikwanise kukupa chikwereti usingatyi kusakwanisa kubhadharwa.
Uyezve, nyanzvi dzezvemari dzinokurudzira kuti iwe unotaura zvakajeka hurongwa hwako hwekubhadhara. Urongwa hunofanira kuva hwakakosha uye hune mutoro wehuchapupu. Dhigiriro rebhizimisi rako rinofanirwawo kurondedzerwa zvakajeka. Kune vashandi vezvemari uye mazano ebhizimisi anopiwa neSBA. Vatarisira ivo uye vauye neurongwa hwebhizimisi hunogona kugamuchirwa nekukweretesa masangano.
Paunenge uine zviri pamusoro apa, pane mikana yakakosha yekuti chikwereti chako chigamuchirwe. Ingova nechokwadi chokuti une mavara ose akakodzera sezvaanoda neSBA. Iva nematongerwo emari apfuura emabhizimisi ako, iva nechokwadi chokuti zvikamu zvako zve FICO zvakanaka zvakakwana uye zvakare kutevera nzira yepamutemo sezvinotaurwa nemutemo.
Kana zvechokwadi iwe uchizadzisa zvose zvataurwa pamusoro apa uye chikwereti chemabhizimisi hachibvumirwi, unoda kupfurikidza nemagwaro uye kuongorora zvavari. Ruramisa chero zvikanganiso uye tumira kudzorera kubhadharo kune chikwereti chawakaratidza. Kana ukakundikana kuona chero zvikanganiso, taura nemutengi uye ubvunze kuti chinetso chacho chingave chei. Zvichava nyore pane kuedza kuziva dambudziko shure kwechokwadi. Tevera mirairo yakapiwa uye gare gare idzorerazve chikumbiro chechikwereti zvakare