Nzira dzakakurumbira dzekubhadhara Bhizinesi risina huwandu hwekuda
Tine zvikwereti zvekutengeserana zvinopiwa nemabhadharo emagariro, mamwe mahomwe akweretwa, kubhadhara chikwereti chekare uye SBA chikwereti.
SBA zvikwereti zvave zvichange zvichinyanya kugadziriswa mari. Ichi ndechokuti chokwadi chokuti zvikwereti izvi zvinotsigirwa neBusiness Business Administration. Kana iwe ukatora chikwereti kubva kubhangi rebhizimisi iro rinovimbiswa neSBA, bhangi ichave yakagadzirira kukupa iwe sezvo pane vimbiso kuti kana iwe usina kukwana kubhadhara chikwereti, SBA ichabhadhara imwe chikamu che chikwereti kubhengi.
Kune marudzi akasiyana ehurongwa hweSBA hwekukweretesa hunoitwa neBusiness Business Administration. Vanosanganisira:
I 7 (a) Purogiramu yeMari:
Iyi ndeimwe yemhando dzakasiyana-siyana dzeSBA huru yemari yavari. Nokuda kwemhando iyi yechikwereti, SBA inopa mamiriyoni mashanu emadhora ($ 5,000,000), iyo inenge 75 muzana yemari inokweretwa.
Muna March 2017, SBA 7 (a) chikwereti chemadhora makumi maviri nemashanu kana zvishoma kudarika kubhadharwa mukati memakore manomwe kana kupfuura ichienda kune chikwereti chechibereko che8%. Kune rumwe rutivi, kana chikwereti chimwe chete ichocho chiri kubhadharwa kwemakore anopfuura manomwe, chido chacho chiri 8.5 muzana. Imwe SBA 7a yechikwereti chinowira pakati pe $ 25,001 USD ne $ 50,000 USD uye inofanirwa kubhadharwa mukati memakore manomwe kana kudarika inokwezva chido chekuda kwe7% asi kana chikwereti ichifanira kubhadharwa munguva inopfuura 7 makore ane chido chekuda kwe7,5 muzana.
Kana muzvinabhizimisi iye zvino achishanda kune SBA 7a rudzi rwechikwereti chinodarika madhora makumi mashanu emadhora emadhora emadhora emadhora, vachabhadhara chikwereti chezvibereko zve 6% kana nguva yekubhadhara iri pasi pemakore manomwe asi kana nguva yacho inopfuura makore manomwe, ipapo chikamu chekuda kwe6,5 muzana chichashanda. Zvakanaka kuyeuka kuti hurongwa hwekukweretesa hweSBA 7a hauna huwandu hwemari asi huine mamiriyoni mashanu emadhora ($ 5,000,000). Kana chikwereti chako chiri pasi pe $ 150,000, ipapo SBA inokusimbisa 85 kubva muzana yemutero asi kana chikwereti chiri kupfuura madhora 150 000, iwe unongowanikwa chete 75 muzana yemutero.
Chii Chinodiwa Kuti Uwane Mari yeSBA 7a?
Haasi munhu wose anogona kukodzera chikwereti cheSBA 7a. Izvi zvinosuruvarisa asi asi isu hatigoni kumhanya kubva pakuitika. Ichokwadi ndechokuti, isu tose hatigoni kukodzera. Sei? Hezvino kutarisa nokukurumidza kuti nei vamwe vedu vasingazopiwi zvikwereti izvi:
- Iwe unofanirwa kuva nebhizimisi rave richimhanya kwemakore maviri apfuura: Ichi ndicho chipingamupinyi kune vanhu vasiri kuita bhizinesi chero ipi zvayo pazuva rekushandiswa.
- Chikwereti Chakwereti: Zvichida chikwereti chikwereti chinonyanya kuita basa mukugadza kana iwe unokodzera chikwereti cheSBA kana kwete. Kwekudaro, iwe unofanirwa kuva nechikwata chekwereti chapamusoro pe 680 kuitira kuti uwane zvikwereti zveSBA.
- $ 50,000 Bhizimisi Rezvemabhizimisi kwegore rakapera: Chimwe chipingamupinyi? Chaizvoizvo, vazhinji vedu hatina mabhizimisi ayo anokomborera uye izvi zvinoreva kuti izvi zvinotitadzisa zvichitivharira isu.
Izvo zvinoda pamusoro apa zvativharira vamwe vedu kubva pakusvika pakudzikidzwa kweruzhinji rweA7a SBA yezvikwereti.
Chii Chinojekesa Nhamba Dzakanaka dzeSBA 7a Mari?
Iyi inzvimbo inokosha iyo mumwe nomumwe wedu anofanira kunge akazviziva asati aita chisarudzo pamusoro pekunge akakumbira chikwereti chakadai kana kwete. Pane zvinhu zvakawanda zvinowanzoitika kana zvinosvika pakugadzirisa kwechido chekuda kwe 7a chikwereti. Senguva yeChirungu 1, 2017, zvinotevera ndizvo zvinoshandiswa kushandiswa kutsvaga kufarira kune chirongwa chechikwereti.
- The Base Base: Iyi ndiyo chikwata chevanhu vanofarira chikwereti uye inoparadzaniswa kuita zvitatu; iyo yepamusoro, chikwata cheSBA peg uyewo Libor (mazuva makumi matatu) uye 3%.
- Nguva yekubhadhara: Iko SBA yezvikwereti zvine nguva mbiri yekubhadhara; zvichidzika pasi pemakore manomwe kana kupfuura makore manomwe. Kana munhu akatora chikwereti nemubhadharo wegore rimwe uye imwe inotora chikwereti chimwechete nekubhadhara nguva yemakore matanhatu, zvose zviviri zvichawira pasi pegore rebhadhara reyaka manomwe uye saizvozvo zvichakwezva chikwereti chimwe chechibereko chakakanikidzwa. Zvimwewo, kana iwe ukatora chikwereti chemakore gumi ekubhadhara nguva apo mumwe munhu anotora chikwereti chimwechete nemutengo wekubhadhara kwemakore masere, mutengo unowanzodiwa unoshanda sezvo zvikwereti zvose zvinowanikwa pasi pekubhadharwa kwemakore anopfuura 7.
- Nhamba yeMarikero: Rudzi rweSBA 7a yezvikwereti zvakarongwa kuva zvitatu: pasi pe $ 25,000, pakati pe $ 25,001 kusvika ku $ 50,000 uye kupfuura $ 50,000. Izvi zvinoreva kuti kana iwe wakatora chikwereti che $ 30,000 uye ndinotora chikwereti che $ 49,999; zvose zviviri zvinowira pasi peboka rimwechete riri pasi pe $ 50,000. Zvisinei, zvakanaka kuziva kuti inowedzera chikwereti chechikwereti chinotora, chinoderedza chikwereti chechibereko uye pamwe chete.
Fixed and Variable SBA Interest Rates
Kungofanana nedzimwe chikwereti chechikwereti, rudzi rwe 7a rwechikwereti runove nehuwandu hunofadza hwekufambisa pamwe chete nehuwandu hwechirongwa chinowanikwa. Vaya vane ruzivo rwakatarisa zvinoreva kuti munguva yose yekubhadhara nguva yechikwereti, hapana bhengi inogona kuchinja chikwereti chechikwereti chakapiwa chikwereti panguva yekubhadhara. Zvisinei, nerudzi rwakasiyana-siyana, kufarira kunosiyana maererano nekuchinja mumusika.
Nokuda kweSBA 7a zvikwereti, mabhenji anogadzirisa mutengo wekutsvaga unofanana zvichienderana nemhando mitatu yemavhidhiyo inowanikwa pamakambani anowanikwa munharaunda inosanganisira; iyo yepamusoro purogiramu, yeRIBOR muyero pamwe neSBA Peg rate. Sezvo pakutanga kwekutanga gore rino, mazana emakakatani akakurumbira ndeaya anotevera; iyo yepamusoro pari pa 3.75 muzana, muhuwandu hweBOROR ndewe 3.79 muzana apo SBA peg rate iri 1.75 muzana. Izvi zvinogona kuchinja nguva nenguva uye sezvazviri ikozvino, zvinonzi dzakanyanya. Chero nguva dzose idzi dzinodarika dzichikwira kumusoro, chido chekuda kubhadhara chikwereti chichaendawo kumusoro. Kana pane imwe nguva ivo vachienda pasi, ndizvo zvichaitawo chido chekufarira kune SBA 7a chikwereti.
Mari Yekutora SBA 7a Rudzi rweMari
Zvichida haisi iyo inowanikwa inofanirwa inobata mari yose inobhadhara kana munhu akatora SBA 7a rudzi rwechikwereti. Pane zvimwe zviitiko zvinotanga kuitika kuitira kuti uone mari yakakwana iyo munhu wese akwereta anofanira kuisa. Dzinosanganisira:
- Mavambo Anotangira: Paunenge uchitsvaga chikwereti chero ipi zvayo kubhengi kana chero zvikwereti zvemari, sangano rinoshora mari yekugadzirisa chikwereti. Zvose izvi zvinodhadharwa kune akwereta. Imwe sangano rezvemari ikozvino rine mari yekutanga inenge inenge 4 muzana. Izvi zvinoreva kuti kana mumwe akashandira chikwereti cha $ 100,000, ivo vangogamuchira 4 muzana yemutengo wose.
- Iko Mhiko Yakavimbisa: Imari iyi inotanga kubhadharwa nemunhu anokweretesa kuSBA pavanokutora kuti usunge chikwereti asi pakuvhara, uyo anenge akwereta anofanira kutakura mutoro webhadharo yemari. Kubva ikozvino, mari yekugadzirisa mari yezvikwereti zvisingasviki $ 150,000 yakasunungurwa neSBA. Zvisinei, chero chikwereti chipi nechipi chakakosha pane icho chave chakabatanidzwa nehomwe yehutengo yepakati pe3% uye 3.75 muzana. Mari yekugadzirisa inobva pachiyero chechikwereti pamwe chete nekukura kwenguva yechikwereti. Somuenzaniso, chikwereti chinodarika $ 150,000 chinokura mushure megore chinokwezva mari yekugadzirisa ye 0.25 muzana. Kana chikwereti chako cheSBA 7a chiri kudarika madhora 150 000 uye kukura mune imwe nguva yakareba kupfuura gore, 3-tier system yekufarira inoshandiswa kukwereta chibereko chechibereko. Kune zvikwereti pakati pe $ 150,000 ne $ 700,000; chikamu chepfumbamwe chikamu chekubhadhara chikwereti. Kune zvikwereti pakati pe $ 700,000 ne $ 1,000,000; a 3.5 muzana yemari yekubhadhara inotambirwa asi apo zvikwereti zvinopfuura $ 1,000,000; chipo chekubhadhara chikamu che 3.75 muzana chakamanikidzwa. Pakati pe $ 150,000 uye $ 700,000; chikamu chepfumbamwe chikamu chekubhadhara chikwereti. Kune zvikwereti pakati pe $ 700,000 ne $ 1,000,000; a 3.5 muzana yemari yekubhadhara inotambirwa asi apo zvikwereti zvinopfuura $ 1,000,000; chipo chekubhadhara chikamu che 3.75 muzana chakamanikidzwa.
- Mari yose yekubhadhara SBA 7a zvikwereti zvezvikwereti (mubereko wekuda pamwe nemari) kana kunyange chero ipi zvayo yemhando yezvikwereti inotumidzwa segore rega rega rega (APY). Iyi ndiyo mari yose iyo munhu wese akwereta anotora mushure mokunge chikwereti chose chabhadharwa.
Mari yeCDC / 504
SBA CDC / 504 zvikwereti ndezvirefu zvemari zvikwereti izvo zvinowanzoreva kune vanhu vanoda kuisa muimba yekutengesa kana chero imwe yerudzi rwekuvandudza. Nhamba yezvikwereti iyo mabhangi anokwereta pamhando iyi yezvikwereti inotsanangurwa neBusiness Business Administration. Sezvazvino, March 2017, zviyero zvakasvika pakati pe 3.93 muzana uye 4.57 muzana. Mutengo, zvisinei, zvichienderana nekuwanda kwemari yawakweretwa.
Mutero weCDC Unonyanya Kugadzirwa Pamhando Iviri:
Chikwereti icho chikamu chikamu chikamu chikamu chemari inokweretwa kubva kune imwe nzvimbo yezvemari , munyaya ino bhangi, uye chikwereti chinopiwa nekambani yekusimudzira yakavimbiswa inenge 40 muzana yemutengo wose unoda. Izvi zvinoreva kuti uyo anenge akwereta anofanira kunge ane 10 muzana yemutengo wose uyo achaita sekubhadhara pasi kubva kwauri sekukwereta.
Nhamba yemari inotengeswa pamhando iyi yemari chikwereti inowanzova yakaderera zvikuru. Izvi zvinokonzerwa nekuti mari yechikwereti yebhangi inotora chikwereti cheCDC uye sezvo uyo anenge akwereta ari kuisa mari muimba yeimba yepaimba pane zvishoma kuti bhanhire haringakwanisi kudzorera mari yacho.
Kungofanana nezvimwe zvikwereti zvinokweretesa, zvikwereti zveCDC / 504 zvinewo zvimwe zvinoda kuti munhu wose anenge akwereta awane. Izvi zvinosanganisira;
- Kuva mubhizimusi remuzinda wemakore kwemakore anopfuura mana.
- Iva nekodzero yako pachako yepamusoro 680
- Iva ne10 kubva muzana yemutengo wose wakakweretwa uchatora semari yako.
Aya Current Interest Rates paCDC / 504 Mvumo
Izvi zvikwereti zvinopiwa mukati mekubhadharwa kwemakore gumi kana nguva yekubhadhara kwemakore makumi maviri. Mutengo wega wega wekukwereta unoumbwa nehuwandu hwehupfumi, huwandu hwakatarwa pamwe chete nemari inoramba iripo.
Kana chikwereti ichifanira kubhadharwa mukati memakore gumi, ikozvino mazinga aripo ndea; chikamu chemari yemakore mashanu chinenge chikamu che201 kubva muzana, chikamu chakanaka che 0.38 muzana uye mari inoramba ichinge inenge inenge 1,7 muzana. Izvi zvinoreva kuti chiyero chekuda kwevanhu chaunofanirwa kubhadhara ndi 4.09 muzana iyo inonzi summation yemari yehurumende, mutengo wakatarwa uye mari inoshandiswa gore negore.
Kwemakore makumi maviri emakore ekubhadhara chikwereti, chikamu chemakore gumi chezvivigiro chikamu 2.49 muzana, iyo yakagadziridzwa yakaita 0.48 muzana apo mari inopfuurira yegore ndeye 1.7 muzana inounza chikamu chekuda kwekuda kuva 4,67 muzana. Zvakakosha kuziva kuti mari inoshandiswa neChristian Development Company chikamu chechikwereti chinoramba chiripo asi imwe chikamu chikamu dzimwe nguva chinogona kusiyana asi kwete nehombe huru.
Zvirongwa zvekukweretesa zveSBA zvinowanikwa ikozvino sekuMarch 2017 pamitambo yakatsanangurwa pamusoro apa. Chero kwenguva yakareba kana mumwe achiita zvinodiwa, iwe unogona kuenda kune imwe SBA 7a yemutengo wechikwereti kana kana iwe uchida kuisa mune bhizinesi reimba, ipapo chikwereti cheCDC / 504 chinowanikwawo zvakare.
Kana iwe ukakwanisa kuwana unokweretesa uyo achabhadhara mari ye guaranty kuSBA isati yasvika iyo inowanzova nzira yakasununguka, ipapo SBA 7a rudzi rwechikwereti ruchawedzera bhizinesi rako . Kune rumwe rutivi, kana iwe uchida kuisa muimba yekutengesa, chikwereti cheCDC chinogona kukuitira zvakanaka chero bedzi iwe une 10 muzana yemari yakakwana yemari yakakweretwa kuti ive seidhodhi yako.