Mikana Yakakosha Yokudanha Chikamu Chekubhadhara KweZvidiki-Zvine Mabhizimisi
Ichi ndicho chinhu chinoita kuti ugone kugadzikana.
MuUnited States, zvisinei, boka revanhu vashoma rinenge risina kufarira nyika yebhizimisi nekuda kwechimwe chikonzero kana chimwe. Izvi zvakaita kuti zvive zvakasara shure. Sezvokwadi, kunyange zvakadaro, 15 muzana yemabhizimisi ose (anenge mamiriyoni makumi matatu) anowanikwa muUnited States ndevamwe vashomanana.
Imwe yezvinetso izvo boka duku rave rakatarisana naro nderokuwana mari kune iyo kutanga kana kuwedzera mabhizinesi avo. Nzira yekugamuchirwa dzimwe nguva inoda magwaro akawanda uye izvi zvinowanzoodza mwoyo vazhinji vavo kuti varidzire uye vashandise unyanzvi hwavo hwemabhizimisi.
Zvisinei, kubva panguva ino, kune dzimwe nzira dzakawanda dzakamboedza kubvisa chikamu chezvemari chiripo nekupa zvikwereti kumabhizimisi mashoma. Hezvino kutarisa nokukurumidza nezvemhando yezvikwereti kune mabhizimisi evanhu vashoma vese vanogona kuisa kune avo kuitira kuti vawane chikwereti chekurumidza kutanga kana kuwedzera mabhizinesi avo.
The Black-Business Loan Fund (BBLF)
Isu tose tinoziva kuti muUnited States kana zvasvika kune mapoka mashoma, Africa kana kuti vanhu vemaAmerica vanoita vazhinji vevanhu. Izvozvi zvinoshandura kuwandu hwemabhizimisi aripo mumusika. Nokudaro, pane chido chekugadzira nzira yakajeka yevatengesi vose vane maAfrica kana zvasvika pakutanga uye nekuwedzera mabhizinesi avo.
Ichi ndicho chikonzero chikuru chekuti chikwata chemari chikwereti chemari chikasunungurwa. Mukati yapfuura yapfuura, vazhinji veAfrica muAmerica vave vakaoma kana zvichiitika pakuwana mari uye ichi chave chave chichidzivisa kufambira mberi kwavo.
Kuti uwane chikwereti ichi, chokutanga, munhu anofanira kunge ane 51 kubva muzana yehuwandu hwebhizinesi rebhizimisi uye bhizinesi rinofanira kunge rakashanda mumakore maviri apfuura. Hapana chibvumirano chinodikanwa kune marudzi aya ezvikwereti zvakadaro. Iwe unongoda kuita sarudzo uye izvi zvose. Kune mhando mbiri dzezvikwereti zvinopiwa nehomwe yemari chikwereti chemari; iyo zvikwereti zvakananga kusvika pamadhora mazana zana nemakumi mashanu pamwe chete nemari yekuchengetedza iyo inokwirawo kusvika ku $ 100,000. Kana bhizinesi rako riri reAfrica-America, zvino izvi zvinogona kuva imwe yezvikwereti zvaunokwanisa kukurumidza kuwana.
SBA Community Advantage Loans
Sangano reBusiness Business Administration rinoitawo basa rinokosha pakuita kuti mapoka mashomanana muUnited States anokwanisa kuwana mari yechikwereti kunze kwekuti haave neine chikwata chikuru mubhadharo. Izvi zvakakodzera kumabhizimisi maduku sezvo vazhinji vavo vasina hunoti hunofadza mumabhuku avo. Chechipiri, zvikwereti izvi zvinoshandiswa mumasangano hazvidi kuti chero munhu awane chikwereti chechikwereti.
Chinhu chimwe chete icho chingangodaro chiri chigadziro pane imwe nzvimbo ndechimwe chechikwereti. I-SBA inoda kuti chero ani zvake anofanirwa kunge asina kufanira kuti ave nekodzero yakaipa.
Zvisinei, vazhinji vemapoka mashomanana vane chikwereti chakanaka saka vanogona kukodzera chikwereti ichi uye kuwedzera mabhizinesi avo. Chinodiwa kubva kwauri ndechokuti uone munhu anokweretesa uyo anogona kukupa chikwereti chemari yako yaunoda uye kuendesa magwaro akakodzera kuSBA kana kuti uyo anokweretesa angatora mabhuku acho panzvimbo yako. Icho chiri kukurumidza kuwana iyo chikwereti kubvira apo SBA inopikira chikwereti kusvika 85 kubva muzana yemari inokweretwa. Vadzidzisi vemabhizimisi vashomanana vanogona kufarira chikwereti ichi kubva kuSBA chero nguva.
Minority-Inowanikwa Bhizimusi Mari
Iyi imwewo nzira huru iyo chero vashoma vanogona kushandisa nekuwana chikwereti chemabhizimisi .
Chikwereti chinopiwa nehurumende isiri yehurumende inonzi Accion. Iri sangano rakanyatsozvitsaurira kubvisa vose vashoma pasinei nokuti yakabva kupi kana kuti dzinza. Iyi chikwereti hachiregi uye saka inogona kushandiswa kuita chero ipi zvayo yebhizimisi iyo iyo anenge akwereta angada kupinda nayo. Pamusoro pemukwereti, chikwereti chemabhizimisi chediki chinowanikwa kubva kuAccion chinouya nemitemo yekudzidzira mazano kunobatsira kuti munhu akwereta anowana chibharo chebhizimisi ravo uye nezvimwewo. Zvinyorwa zvingati zvichiri kubatsirwa nemasangano eInternet iyo chirongwa chechikwereti ichi chinouya. Kana bhizinesi rako riri reAfrica-America rine, Asian-owned-owned Hispanic, yeNative America yega yega kana yevamwe veboka duku, vane purogiramu yemari bhizimusi yeAkcion ichave yakakunakira iwe.
Bhizinesi Diversity Lending Program
Iyi ndeimwe yemapurogiramu akazouya pakununura mabhizimisi evanhu vashoma kubva mune chero dambudziko rezvemari. Chinangwa chepurogiramu chakanga chakanakira kubatsira mabhizimisi evanhu vashoma kuti vakwanise kuwana zvikwereti zvebhizimisi zvisinganetsi kuitira kuti vawedzere mabhizinesi avo. Iyi chikwereti inopiwa neUnited Bank uye imwe yekufanirwa; iye anofanira kunge achiwira pasi peboka revanhu vashoma pasi pebhenji rave rudzi uye rudzi rwemhando, vane bhizinesi rave richishanda kwemakore maviri apfuura, runza 51 kubva muzana yebhizimisi uye kukwereta kudarika mamiriyoni 2,5 USD. Izvi zvinoreva kuti vose Latinos, Hispanics, American Indian, Asia uye African America vanogona kukodzera bhizinesi rezvikwereti zvinokonzera sangano neUnited Bank. Zvinodiwa zviri nyore kuenda uye hazvitsvaki zvakanyanya kubva kune vashoma. Zvose zvaunoda kuita ndezvokukumbira mvumo yepaIndaneti, upe zvikwereti zvebhizimisi rako uye unomirira kuti chikwereti chiuye.
Sangano reNational-African American Micro Micro Loan Fund
Pamusana pekuti vazhinji veAfrica -America havakwanise kuwana zvikwereti zvemadhorobha nekuda kwezvikonzero zvakasiyana-siyana zvakadai sechikwata chechikwereti chakaderera nezvimwewo zvakadaro, nzvimbo yepamusoro yekusimudzira mari pamwe chete neJPMorgan Chase yakauya nechinangwa chekubatsira maAfrica -America maererano nekutora chikwereti kana chikwereti. Iko rudzi rwechikwereti iye zvino ruchiita nevaduku veAfrica -America avo vari kugara muNew York, Chicago neLos Angeles asi munguva pfupi ichakurumidza kune dzimwe nzvimbo. Vose veAfrica-America vanogona nyore kuwana zvikwereti pakati pe $ 35,000 ne $ 250,000.
Chinhu chakanaka pamusoro pezvikwereti izvi ndezvokuti havatauri nemhando ipi zveshongo yakabatanidzwa. Icho chikwereti chebhizimisi chakashandurwa iyo uyo anenge achikwereta angashandisa kuti awedzere bhizinesi, kutenga mishonga kana zvimwe zvinetso zvingava zviripo. Zvose zvaunoda kuita ndezvokuita chikwereti chekukweretesa kwekukweretesa kuburikidza nekuzadza nheyo dzako dzekutanga pamusoro pako uye rudzi rwebhizimisi raunoda kumhanya kana ikozvino riri kushanda. Pamusoro peizvi, iwe uchafanirwa kutaurira mari yaunoda kukwereta uye vamwe vose vangaitevera.
Bhizimisi uye Chikwata Chekuita Nhepfenyuro yeMari
Kana iwe uri vashomanana vanogara kumaruwa, saka haufaniri kutarisa chero imwe nzvimbo yebhizimisi yekubhadhara kunze kweBusiness uye Industry Guarantee Loan Program. Iyi ndiyo chikwata chinopa hurumende yehurumende yehutano hwekuti humwe uwandu hunotora kubva kuvakweretesi. Kana ukangosvika kune anokweretesa angakwereta chikwereti, edzadza zvinyorwa uye uzviise kuhofisi yekusimudzira kumaruwa. Nhamba yemari yezvikwereti inokurukurwa uye inobvumirana pamusoro pemunhu anenge ari chikwereti uye akakwereta uye purogiramu iyi haina chikamu kana iyo inouya kune chido chekutora chinangwa.
Zvisinei, kuitira kuti chero munhu akwanise kuwana chikwereti ichi chemabhizimisi , iye anofanira kunge ane chikwereti kuti atange nechokuti kunyange chikwereti ichichasimbiswa kuburikidza nehurongwa. Anokwereta anofanirawo kunge ane chikwereti chinenge chakaenzana nechiyero chemari yawakweretwa. Zvakakoshawo kutsvaga mutengi anotarisirwa kuti arege kusangana nematambudziko aya nepurogiramu iyi yechikwereti. Sezvo chikwereti ichi chakaratidzwa nehurumende , munhu wese anokweretesa achava akagadzirira kuva nechikwereti uye apa ndipo apo vakwereta vanoda kuyambuka kutarisa uye vanoongorora kana mutengi ari mubvunzo ari kutongerwa.
Mari Yenyika Dzemabhizimisi Maduku
Nhamba yeSpainics muUnited States yave ichiwedzera zuva nezuva uye izvi zvinoreva kuti nhamba yemabhizimisi aive neSpainics arikukwira zvakare. Nokudaro, vanhu veMasitaria vakaungana kuti vaone kuti hama nehanzvadzi dzavo dzinogona kubudirira munyika yebhizimisi nekupa zvikwereti zvishoma kune mumwe muSpain anoshanda. Balboa capital seyoyo uye inotungamirirwa neSpainics, saka, yakasika uye yakapa chikwata chekuona kuti mari kana kuti panzvimbo inowanikwa inowanika kune vamwe veIndia vanoda kutanga kana kuwedzera bhizinesi ravo .
Kusiyana nedzimwe zvikwereti zvinosanganisira zvakawanda zvemapepa uye zvinoda, Balboa capital inodzinga chimwe chezvinetso izvi. Basa rekushandira rinokurumidza uye kubvumirwa. Zvose zvaunofanirwa kuita ndeyokutumira shanduro yako yepaIndaneti nekupa zvishoma zvinhu uye kumirira kubvumirwa. Izvozvo ndiyo nzira iri nyore. Hapana zvipingamupinyi kana iwe uri wePastia kana zvasvika pakuwana chikwereti chebhizimisi .
The ATNI Loan Fund
Ichi ndicho chimwe chisingabatsiri chinzvimbo-based mortgage fund nechinangwa chekutsigira mabhizinesi eAmerica-America kuti awedzere uye azadzise zvinangwa zvavo nekupa nekukurumidza uye nyore nzira yekuwana mari zviri nyore. Chinhu chakanaka pamusoro peAtNI Loan Fund ndechokuti inogona kupa munhu akakwereta chikwereti chakazara kana dzimwe nguva kuita semurevereri pakati pomunhu anenge akwereta uye wezvemari. Iyi nhepfenyuro yezvemari inopa mari yakasiyana-siyana inopa mhando dzakasiyana dzezvikwereti zvebhizimisi zvichienderana nezvinodiwa zvevakwereta.
Vanokweretesa zvikwereti pasina kubatanidzwa zvinoreva kuti kana nzvimbo yezvemari isingawanikwi, ATNI Loan Fund inopa 100 muzana yebhizimisi pakutanga kuti basa rive rakabhadhara uye saka chikwereti kubva kune dzimwe masangano. Iko kunewo chikwereti chakananga nekutora chikamu pane imwe mari inopiwa nebhangi. Zvisinei, kusiyana nemamwe mabhizimisi evanhu vashoma vasina zvikwereti zvezvikwereti, avo vanobatana nemadzinza eNorth West-Indian marenda anowirirana anouya nemamwe mitemo maererano nezvokuti munhu angashandisa sei mari yakapiwa.
Latino Economic Center Mari
Kana iwe uri wevanhu vashomanana muMinnesota, ipapo Latino Economic Development Center ichave yakakosha zvikuru kwauri pose paunoda kutenga chikwereti chakanaka kuwedzera bhizinesi rako . Vanopa mhando dzakasiyana dzezvikwereti kuitira kuti vasangane zvakasiyana-siyana zviduku. Semuenzaniso, kune chikwereti chekambani chinonzi microenter enterprise icho chinonzi chinofanirwa kune avo vanoda kuita mabasa emabhizimisi maduku . Iko kunewo chikwata chekushandira chikwereti chinoshanda kune avo vashomanana vanoda kuumba mabhizimusi emhando yebhizimisi. Uyezve, kunewo nzvimbo yekugara kwemaimba ekusimudzira mari yevashandi vanoita kana kuti vanotarisira nzvimbo yebhizimisi yemhando.
Zvinotarisirwa kuwana mari idzi zvinosanganisira; bhizinesi rebhizimisi , mutemo wezvemari webhizimisi kwemakore maviri apfuura, mushumo wekwereti yekwereti pamwe chete nemamwe magwaro akakodzera kana akakwereta ari kushanda pamwe chete kana kubatanidzwa. Pakupedzisira, zvingava zvakakosha kuziva kuti zvikwereti zvavo zvinodzivirira nenzira uye saizvozvo uyo akakwereta anofanira kutsanangura kuti chikwereti chichashandiswa sei kana kuti chichashandiswa sei.
Pane mikana yakawanda yemari iyo vazhinji vevanhu vashoma vasati vaongorore. Misangano yakawanda iri kuda kupa zvikwereti pamadhora mashoma ezvibereko kumapoka maduku ane chinangwa chekuvandudza hupenyu hwavo. Izvo zvikwereti zvebhizimisi zvinokurumidza kuwana nyore uye hazvive nemiganhu yakawanda. Icho chiri pamapatiro ane hanya nekuedza uye kushandisa zvikwereti zvose zvemabhizimisi evanhu vashoma kuti vawedzere nekukura mabhizinesi avo.
Uyewo funga nezvemikana yekupa mikana yemabhizimisi mashoma.