Ndedzipi Mashoko Iwandinofanira Kuda Kwebhizimusi Chikwereti Chekushanda?

Paunoenda kubhangi kana kuti Small Business Administration (SBA) kune chikwereti chemabhizimisi, iwe uchadaidzwa kuti upedze fomu yekubhadhara chikwereti. Iwe unofanirwa kupa ruzivo rwakanyanya kupfuura iwe unogona kufunga, uye kukwanisa kwako kupa nguva yakakwana uye yakakwana inogona kureva musiyano pakati pekuwana chikwereti kana kwete. Uchishandisa Fomu yeSBA 4 - Kushanda kweBusiness Loan semutungamiri, heinoi mashoko aunoda kupa:

Ndedzipi Mashoko Iwandinofanira Kuda Kwebhizimusi Chikwereti Chekushanda?

1. Ruzivo nezvebhizimisi rako , kusanganisira zita rebhizimisi nekero, zita rako, rudzi rwebhizimisi, bhizinesi rezuva rakasimbiswa, Nhamba yeAptis (Nhamba Yemubhadhari Wevashandi ) Nhamba Yekuchengetedzwa Kwevanhu (nokuda kwekutengeserana chete)
2. Nhamba yevashandi , iko zvino uye kana chikwereti ichibvumirwa
3. Zita uye ruzivo pamusoro pebhizimisi rebhizimisi rako
4. Kushandisa kwemari (zviyero zvezvinhu zvose zvinoshanda, uye zvakakwana):
   • land acquisition,
   • itsva kuvaka / kuwedzera / kugadzirisa,
   • kutenga kana kugadziriswa kwemichina nemichina,
   • kutenga mabhuku,
   • kushanda mari (kusanganisira kubhadhara mari)
   • kuwanikwa kwebhizimisi riripo,
   • kubhadhara chikwereti chiripo.
5. Mashoko pamusoro pekodzero yako yezvino, yekare, uye yakamirira, kusanganisira zvikwereti zveSBA nezvimwe chikwereti chehurumende
   • Anokwereta zita
   • Lender zita uye ruzivo
   • Chikamu chepakutanga chikwereti
   • Zuva reKushanda
   • Nhasi kuripo
   • Mutengo wekufarira
   • Zuva rekukura
   • Mutero weMwedzi
   • Kuchengetedzwa kwakapiwa
   • Mamiriro ekubhadhara (kana mari yacho iripo iye zvino kana yapfuura inokonzerwa kana kubhadharwa)
   • Kuenzanisa kwakakosha
   • Kana chikwereti chikaita kuti kurasikirwa nehurumende kana mumwe mutero, chikamu chekurasikirwa

1. Mashoko pamusoro pehutungamiri hwebhizimisi . Kune 100% yehuyo, iwe unofanira kusanganisira zita nekero uye yeperesenti yako. Iwe unogonawo kudiwa kuti upe ruzivo rwehuwandu hwevanhu (dzinza, rudzi, chiremera chekare, chikadzi); iyi ruzivo inogona kubatsira bhangi kuti ione kana iwe unokodzera chero mapurogiramu epamusoro ekukweretesa eSBA. Mutsva wevatongi vose, nhengo yebhodhi, uye vamwe vashandi vakuru vanogonawo kukumbirwa.

1. Mashoko ehupfumi uye ezvemari pamusoro pevashandi vose (ane 20% kana kupfuura yevhudzi), mahofisi, vanobatana navo, vadzidzisi, kusanganisira yehutatimende yemari.
2. Tsanangudzo yakajeka pamusoro pezvinhu zviri kuendeswa sezvikwata . Semuenzaniso, rondedzero yepamutemo yeiyo yeimba, nhamba dzema serial / nhamba dzedhi yemichina yose yakakosha, zvishandiso, fesheni uye zvigadziro, marekodhi ekugadzira, marenda anogamuchirwa nemakore ekukwegura . uye mamwe marekodhi sezvaidiwa.
3. Nhoroondo pfupi yekambani uye zvikomborero zvachawana kubva kune mari.
4. Imwe kusvika pamakore matatu ehuwandu hwehuwandu hwemari pamabhizimisi, kuratidza migumisiro yemari.
5. Pakupedzisira, iwe uchatarisirwa kuti upe ruzivo pamusoro pehupfumi hwemabhizimisi emakore matatu apfuura, kana zvichibvira, kusanganisira kubhadhara mutero wemari yekubhadhara mabhizimusi, nemashoko ekuwana mari.

Mamwe emashoko aya anogona kugoverwa muurongwa hwebhizimisi rako, asi iva nechokwadi chokuti inowanikwa kune imwe nzvimbo kune wako chikwereti kana SBA.

Dzokera Kugadzirira Bhizimisi Mari Yokubhadhara