Zivai zvingasarudzwa zviripo pamusika.
Kutanga bhizinesi renyu duku ndechiitiko chinonakidza uye chinonakidza. Pane nzira dzakawanda dzekuongorora uye kusarudzwa. Imwe yezvinonyanya kukosha ndiyo nzira yekuwana mari yaunoda kuti upinde uye ugare mubhizimisi kwenguva refu. Zvinosuruvarisa, izvi zvingava zvinotambudza, kunyanya kana iwe usingazivi nezvezvinhu zvinogona kuwanikwa kwauri zvakadai semhando dzakasiyana dzekwereti.
Izvi zvinosanganisira bhizinesi rebhizimisi rechikwereti iro risina kuchengetedzwa kana rakachengetedzwa.
Secured Credit
Apo imwe sangano rezvemari, ingava bhangi, credit union, kana imwe yemhando yemari yemari, vanowanzoita saizvozvo kuburikidza nemutsara wakachengetwa wechikwereti. Izvi zvinoreva kuti mari inokweretwa kune munhu kana bhizimisi kune imwe rudzi rwekutengesa. Kana pane chikwereti chakachengetedzwa, kana chikwereti chacho chikasarudzwa, sangano rezvemari richawana mari yavo iyo iyo inotengeswa. Kana chikwereti chaidiwa chiri muchimiro chebhizimisi chekwereti , mari inowanikwa mune imwe nzvimbo yezvemari iri kuwedzera chikwereti muchiyero chakaenzana nechikwereti chekwereti. Mari yacho inobatanidzwa kusvika panguva iyo sangano rinoratidza kuti bhizimisi harisi kero chekwereti uye mari inodzoserwa kune akakwereta. Kana uyo akakwereta asina kukanganisa pane chikwereti chake chemari, mari yacho inowanikwa nesangano.
Unsecured Credit
Kana bhizinesi rine mukurumbira wakanaka wokubhadhara zvikwereti zvavo nenguva uye zvakakwana, mikana yakawanda zvikuru kuti vadzidzisi vachapiwa mutsara usina kuvimbiswa wechikwereti.
Kana bhizimisi idzva rine chinyorwa chekwereti chinyorwa, muridzi wacho angapiwa chikwereti chisina kuchengetedzeka, kana kana muridzi wacho achishandisa pachake chikwereti chemari yake sechivimbiso, anogonawo kupiwa chikwereti chisina kuchengetedzwa. Zvinogona zvakare kuti mumiri wemabhizimisi mutsva angagamuchira chikwereti chisina kuchengetedzerwa chinobva pane chirongwa chebhizimisi chingaendeswa nechokuita.
Mumamiriro ezvinhu akadai, sangano rinogona kupa mvumo yekutengeswa kwebhizimisi risina kuchengetedzwa maererano nezvakanaka zveurongwa hwebhizimisi, kunyange izvi zvinowanzoitwa munyaya dzezvikwereti zvishomanana kusvikira bhizimisi rekwereti yemari rakasimbiswa.
Pane imwe bhizinesi yakagadzira chiitiko chechikwereti chakanaka , bhizinesi iroro ringapiwa bhizinesi rekwereti risina kuchengetedzwa pamwe chete nemakadhi emakadhi emakadhi asina kuchengeteka. Aya mabhizimisi emabhizimisi asina kudzivirirwa anotsanangurwa nezvimwe zvinhu zvinosanganisira mari, mari, chikwereti chatosimbiswa, uye nhamba yemakore bhizinesi rave riri kushanda. Funga izvi sekugadzirira mufananidzo webhizimisi rako, zvose zvisati zvaitika uye zvichivimba nekwereti iwe uri kutsvaga. Zviri nani mufananidzo, zviri nani mikana yako ichave yekugamuchira chikwereti.
Ndinowana sei Chikwereti?
Kuwana chikwereti nokuda kwebhizimisi rako ndere nyaya yekutsvaga iyo panzvimbo yako yemunzvimbo yemari. Sezvakangoitika kune chikwereti chero chipi zvacho, zvakanakisisa kuzviisa kune imwe nzvimbo yakatozivana newe nebhizimisi rako. Uye nepo zvakanaka kuti utengese kune dzimwe nhepfenyuro mukutsvaga maitirwo akaisvonaka, kazhinji zvakanaka kuti uchengetedze zvese iwe unogona neyeyo watova nebhizimisi.
Uchaona kuti sezvo bhizinesi rako richikura uye nhoroondo yako yekushandisa chikwereti nekuchenjera yakasimbiswa, sangano rako richave richida kukunda mikana yakawanda newe kana uchida kuwedzera.
Chii Chandinoda?
Kunyange zvazvo mazuva ekuita bhizinesi nebhangi rako pamubati wehomwe anenge apera, iwe uchawana sezvaunowana ruzivo rwakawanda zvokuti kusvika pakukuru kwazvo kuvimba kuchiri chinhu chinonyanya kukosha paunowana chero rudzi rwekwereti. Somugumisiro, kana iwe unogona kuratidza kune mukuru wezvikwereti kuti iwe une vavariro dzakanaka nemari yake / chikwereti, iyo yakawanda mukana waunowana iyo chikwereti. Mukuratidza mapepa akadai seurongwa hwebhizimisi rakadzama, zvinyorwa zvetsika zvemari uye mamwe mabhizimisi emabhizimisi achaenda nenzira yakareba kuratidza kuti iwe unogona kubata bhizimusi rebhizimisi zvine musoro.
Ndizvo chete mushure mokunge bhizinesi webhizimisi akundikana mutoro uyu kuti zvinhu zviri munyika yechikwereti zvatanga kutanga kutarisa zvakanaka, kunyanya kana uchida rubatsiro.