Mutengo Wematambudziko eSBA Unoshanda Sei?
Pakawanda, SBA kuwana zvikwereti zvikwereti zviripo kune mabhizimisi uye vanhu vakave varasikirwa nenjodzi yeUnited States. I-SBA inopa zvikwereti zvisingabatsiri, zvikwereti kwenguva refu "kugadzirisa kana kushandura zvinhu zvisina kusimbiswa kana zvisingasimudziki nenjodzi-yakaparadzwa." Nhamba dzechido dzinotorwa pa4 muzana, uye izwi rinogona kusvika makore makumi matatu.
SBA zvikwereti zvematambudziko zvinouya nenzira mbiri:
- Njodzi yePanyama Inotarisira kuchinja kana kugadzirisa kukanganisa kwenyama. Pfuma yepanyama inosanganisira chaiyo (nyika uye zvivako), mashandisi nemishonga, zvigadziro, zvinyorwa , uye kuvandudzwa kwenzvimbo .
- Mari dzeKutorazve Kwemari, "kubatsira kubhadhara mitoro yezvemari uye kushandiswa kwezvinhu zvinogona kuitika kana njodzi yacho isina kuitika." Iko mari inoshandiswa mari inowanzobhadhara kazhinji inotora mukana wekushanda kwemari mishonga yemabasa ekubhadhara mari inobatsira bhizinesi kurarama munguva yekudzorera. Kunyange kana zvivako zvako zvisina kukuvadzwa, unogona kukwanisa kuwana mari yekudzorera chikwereti kuti ikubatsire kutangazve bhizinesi rako.
Kune mabhizimisi maduku , iyo yakawanda yakakonzerwa nemiganhu yemhando dzose dzezvikwereti ndeye $ 2 mamiriyoni.
Chii Chandinofanira Kuita Usati Ndashandisa?
Chokutanga, unofanirwa kuziva kana iwe uri munzvimbo inonzi njodzi. Hurumende yehurumende, SBA, uye Munyori weZemari vanogona kuzivisa nzvimbo senharaunda yakasarudzwa.
Chengetai urongwa hwemagadzirirwo ematambudziko anowanzosangana kuti uone kana nzvimbo yako yakabatanidzwa. Kana isiri mune imwe yezvi nzvimbo dzakashamiswa nenjodzi, haugoni kuwana chikwereti chedambudziko.
Chechipiri, iwe uchada kutumira chikwata chekambani yeinishuwarenzi uye uchitanga pane imwe nzira yekugadzirira chavanokubhadhara iwe.
I-SBA ichabhadhara chete zvinokanganisa zvisingafukidzwi nemishuwarenzi, asi iwe unogona kutanga mushongwa wekukwereta usati waziva mari yakabhadharwa neshuwarisi. Maererano neE FEMA (Federal Emergency Management Agency), SBA icha "funga kubhadhara chikwereti chekurasikirwa zvachose kusvika kumiganhu yayo yemari, kana munhu akakwereta achibvumirana kushandisa mari yeinishuwarenzi yekuderedza kana kubhadhara chikwereti chavo cheSBA."
Ndinogovera Sei Njodzi Kushandiswa Kwematambudziko?
Iwe unogona kutumira chikumbiro mune imwe yenzira zvitatu:
- Iwe unogona kushandisa inowanikwa njodzi yenjodzi yenzira,
- Iwe unogona kutumira purogiramu yekwereti yemapuropa, kana
- Iwe unogona kushanda mumunhu pachepa reSBA mune imwe nzvimbo yenharaunda yekubatsira njodzi, inotanga mushure mekunge njodzi dzakawanda.
Ndedzipi Idzano Randinoda Kuti Ndishandise?
Mafomu anodiwa mubhizimusi rako rekukweretesa bhizinesi rinosanganisira
- Bhizimusi rekubhadhara bhizinesi (SBA Form 5)
- Fomu yeRS 4506-T yega yega inoshandisa (bhizinesi) uye imwe neimwe yevanayo. Zvinotarisirwa kuti ndiani anofanira kutumira fomu iyi zvakasiyana zvichienderana nerudzi rwebhizimisi uye nhamba yeimba.
Zvinyorwa zvinyorwa zvinodiwa nekambani yako nevaya vanobvunza:
- Ikopi yakakwana yezvino inotora federal tax tax inosvika kune bhizinesi, kusanganisira sarudzo dzose.
- Bhuku rezvemari (SBA Form 413) kune umwe neumwe webhizimisi.
- Iwe unogonawo kudiwa kuti upe mitero inoshandiswa kune vese vanoita bhizinesi.
- Purogiramu yematambudziko (iwe ungashandisa SBA Form 2202) nehuwandu hwehuwandu uye huripo.
- Azvino gore-to-date purofiti uye kurasikirwa chirevo chebhizimisi.
- Ikozvino kutengesa zviyero paSBA Fomu 1368.
Iwe unogona kudiwa kuti uwane mari (imwe mari kana zvimwe zvinhu) kuti ugamuchirwe nekuda kwechikwereti ichi. SBA inoti "haichazoregi chikwereti nekuda kwekushaya mari, asi zvinoda kuti iwe upe rubatso kune izvo zviripo."
Heino urongwa hwezvibatanidza kune maSBA mazita ataurwa pamusoro apa.
Ndeipi nzira yekugadziriswa kweruzhinji?
Paunenge uchitsvaga mari yechikwereti cheSBA:
- I-SBA inotanga kubvunzurudza chikwereti chako kuti uve nechokwadi chokuti uri mukana wakanaka kune chikwereti
- Zvadaro vanozoona kukuvara kwepanyama uye kukuvadzwa kwemari kune bhizinesi rako uye kuenzanisa
- Mari inotora chikwereti inotora, kusanganisira kuunganidza ruzivo, kukumbira zvinyorwa, uye kukumbira ruzivo rwehuturi. Ichi ndicho chinangwa apo iwe unogona kukumbirwa kubhadhara
- Pakupera kwebasa racho, magwaro ehomba akagadzirirwa uye asayinwa
Ndingaita Sei Kuti Ndiwedzere Mikana Yangu Yokuwana Mari Inotora Chikwereti?
Mamwe mazano ekukurumidza kukwidziridza chirongwa chekukweretesa nekuvandudza mukana wako wekuwana chikwereti chekuparadzwa kweSBA:
- Chengetedza chikwereti chako kuti uone kuti zvichazogamuchirwa. Kana uine chikwereti chakashata iwe unogona kugadzirisa chikwereti chako usati washandisa. Kana iwe une bhizimisi chikwereti, ndizvo zvakanaka. Kana zvisingaiti, iwe uchada kushandisa bhadha yako yemari.
- Gadzirira ruzivo pamusoro pezvinhu zvaungada kuti utsvake zvinangwa. Iyi ruzivo inogona kusanganisira ruzivo rwebhizinesi rebhizimisi sechivakwa kana zvigadzirwa, nehuwandu hwezvino.
- Usati waisa chero chinhu kune SBA, chengeta mafirimu ose anoda kuiswa uye kuenderera kuburikidza navo nekunyatsopindura mibvunzo yese. Usaita kuti mukuru wezvikwereti adzoke uye akubvunze mibvunzo yakawanda kana kukumbira mamwe mashoko.
- Iva nechokwadi chokuti une zvinyorwa zvako zvose , kusanganisira mitero inoshandiswa yemitero uye zvinyorwa zvekambani uye kuti dzakakwana uye dzakarurama.
Chii Kana Kana Mhiko Yangu Yakashandurwa Yakadzingwa?
Chikumbiro chako chechikwereti chesungo cheSBA chingarambwa kana:
- Nhoroondo yako yechikwereti haigamuchirwi
- Iwe haurati unoratidza kukwanisa kubhadhara chikwereti
Kana iwe ukakumbira chikwereti cheSBA chechirwere uye hachibvumirwi, unogona kushanda kuti uongorore zvakare. Chikumbiro chako chinofanira kuendeswa mukati pemwedzi mitanhatu mushure mekuramba kweSBA Dambudziko Rokugadzirisa Dambudziko uye Dhipatimendi Rekubhadhara (DAPDC). Kana sangano rako rakarambwazve, pane imwe nzira inowanikwa.
Ndezvipi Zvimwe Ndingawana Rubatsiro Rwenjodzi?
Iwe unogona kutaurirana FEMA, iyo inotsvaga kukanganisa kweimba yako uye inopa mamwe maibatsiro kune vimba, vashandi, uye mabhizimusi anokonzerwa nenjodzi. FEMA inopa zvipo zvisingafaniri kubhadharwa. Endai kune disasterassistance.gov kuti utange nzira yekukumbira rubatsiro.
Kuti Mari Inosangana Nenjodzi Inopinda Sei Purogiramu Yenyu Yokugadzirisa uye Inishuwarenzi Inoshandiswa
SBA zvikwereti zvematambudziko hazviiti nzvimbo yakasimba yekudzorera njodzi yaunogadzirira bhizinesi rako risati rasvika njodzi. Izvozvi zvikwereti hazviiti nzvimbo yako yekuchengetedza ngozi / inshuwarheni yekuvhara. Bhizinesi rebhizimisi rehutachiwana rinogona kusanganisira inshuwarisi yemvura uye inshuwarisi yekushungurudza bhizinesi
Chirongwa chekudzorera iyo inopedzisa uye inokwana inshurenzi ndiyo mitsara yokutanga yekuzvidzivirira pamatambudziko ebhizimisi rako. Kana kukanganisa kukura kupfuura izvi, chikwereti chebatsiro cheSBA chekushaya njodzi chingakubatsira iwe nokukurumidza kuti uwane uye uende nebhizimisi rako.
Kuti Uwane Mamwe Mashoko
Iwe unogona kushanyira nzvimbo yekubatsira njodzi yeSBA, sidza SBA pa 1-800-659-2955 kana (TTY) (800) 877-8339, kana iwe unogona kutumira email mibvunzo yako kune disastercustomerservice@sba.gov.