Zvirongwa Zvitsva Zvikwereti Zviripo kuburikidza neUnited Small Business Administration
Zvikwereti zvakasiyana-siyana zveSBA zviripo zvinowanikwa neU.S. Small Business Administration - SBA - inopa mapurogiramu akawanda ekubhadhara chikwereti kubatsira mabhizimisi maduku. Ramba uchifunga mupfungwa dzako, kuti SBA inenge isiri iyo chikwereti. Pane kudaro, inotsigira zvikwereti zvakagadzirwa nemabhengi ega ega uye mamwe masangano ekukweretesa.
Chinyorwa 7 (a) Chikwereti Chikwereti SBA Loan
I-SBA's Basic 7 (a) Chirongwa cheHurumende Guaranty ndicho chinoitika pakarepo mupfungwa apo mumwe munhu anotaura nezvekwereti yeSBA.
Ndiyo purogiramu yekwereti yekutanga iyo SBA inopa rubatsiro rwemabhizimisi maduku akachengetedza zvikwereti izvo zvingave zvisina kukodzera kuwana zvikwereti zvikwereti zvisingabhadharwi nehurumende. Izvo ndezvakanyanya kugadziriswa pamarikiti yeSBA yakapiwa neSBA nokuti 7 (a) zvikwereti zveSBA zvinogona kuvimbiswa nekuda kwezvinhu zvakasiyana-siyana zvebhizimisi.
Mari inogadziriswa kuburikidza neCheso 7 (a) Shanduro dzeSBA dzinogona kushandiswa kune zvakasiyana siyana zvebhizimisi zvinosanganisira kushandiswa kwemari yekushanda, mashandisi nemashandisi, fesheni nezvigadziro, nyika uye zvivako, kugadziriswa kwevashandi pasi pemvumo dzebvumirano, uye, mumamiriro ezvinhu chaiwo, kugadzirisa mbere chikwereti. Nheyo 7 (a) Zvikwereti zveSBA zvinogona kumhanya kwenguva yakakura kusvika kumakore gumi ekushanda kwemari uye kazhinji kusvika kumakore makumi maviri nemashanu ekugadzirisa mari yekubhadhara mari.
SBA zvikwereti pasi pe 7 (a) purogiramu inoitwa kumabhizimisi mashoma aripo uyewo makambani anotanga kuburikidza nemakambani ekukweretesa mune zvekutengesa.
Izvo zvizhinji zvezvikwata zviduku zvinokodzera kuwana chikwereti ichi kana zvikaitika:
- Chinangwa chekushandira purofiti
- Vanobvumirana kana kuronga kuita bhizinesi mukati meUnited States kana kuti zvinhu zvayo
- Iva nemumwe muridzi wezvakafanana zvake kuti aite mari mubhizinesi
- Tarisa kune dzimwe nzira dzekubhadhara pakutanga - zvakadai semasangano ega
Ichokwadi kuti, kwete ose mabhizinesi maduku achakwanisa kubhadhara chikwereti che (7) (a) SBA, asi SBA inopa zvakasiyana-siyana zvepurogiramu yekugadzirisa zvimwe zvinodiwa. Somuenzaniso, patriot Express Loans kubva muSBA inonyatsotarirwa kuti iwane mvumo yekutsvaga ye (a) zvikwereti kune vanoita-basa uye varwi vehondo nevanhurume vavo.
Mamwe mashoko pamusoro peSBA 7 (a) chikwereti
Certified Development Company (CDC) - 504 SBA Loan
Izvi zvikwereti zveSBA zvinopa mari yakareba kwenguva refu, yakagadziriswa mari yekubhadhara kumabhizimisi mashoma kuitira chinangwa chekuwana dzimba kana mishonga kana zvigadzirwa zvekuwedzera kana zvemazuva ano. SBA 504 mari inowanzobatanidza 10 kubva muzana kuenzana kubva kune akwereta pamwe nekweretesa chekukwereta chikamu che50% yehuwandu hwemari kubva kune imwe nyika yevatengesi uye chikwereti chinopiwa neChristian Development Company (CDC) (yega yega, iyo isingabatsiri izvo zvinoita kuti hurumende dzifambire mberi mune imwe nzvimbo kana nzvimbo) muhuwandu kusvika kusvika ku40%, iyo inobhadharwa neshoko rakakwana reSBA uye iyo inobata chechi yechipiri pane zvakagadziriswa pfuma, mishonga kana midziyo.
504 SBA zvikwereti zvinotarisirwa kumabhizimisi mashoma anoda mari ye "brick uye mortar" mabhii kana michina yemuviri.
Kuti uwane chikwereti chezvikwereti izvi zveSBA, bhizinesi rinofanira kushandiswa kuti riwane purogiramu uye risina mari inowanikwa inodarika madhora 7,5 mamiriyoni uye haina muwandu wemari yakawanikwa inopfuura $ 2,5 Mamiriyoni mushure mekutora kwemakore maviri akapfuura.
504 SBA zvikwereti uye hazvizoshandisirwi kufungidzira kana kushandiswa muzvivakwa zvemaimba.
Mamwe mashoko pamusoro peSBA 504 zvikwereti
7 (m) SBA Micro Loan
7 (m) zvikwereti zveSBA zvakagadzirirwa kupa zvikwereti zvenguva pfupi kusvika kune $ 35,000 kumabhizimisi mashoma uye kwete-kubatsiri vana-kuchengetedza nzvimbo yekushandira kana kuti kutenga zvigadzirwa, zvigadzirwa, fesheni, zvigadziriswe, mishonga uye / kana midziyo . Mari yezvikwereti zveSBA haikwanisi kushandiswa kubhadhara madhomwe akange aripo kana kutenga zvivako. SBA inoita kana inopa chikwereti kumubatsiri (uyo asingabatsiri munharaunda-yakakwereta uyo anopawo mutungamiri uye rubatsiro rwekambani kune uyo anenge akwereta), uyo anopawo chikwereti kumabhizimisi maduku. Izvi zvikwereti hazvivimbiswi neSBA uye zvinowanika munzvimbo dzakasarudzwa munzvimbo dzakawanda.
Kunyange zvazvo purogiramu yekwereti yeSBA Micro Loan inopa zvikwereti kusvika kune $ 35,000, iyo SBA inoshuma kuti chikwereti chavharese chinenge madhora 13,000.
Mamwe mashoko pamusoro peSBA 7 (m) zvikwereti .
Pre-qualification Program ye SBA Loan
Iyi purogiramu yechikwereti yeSBA inobvumira vashandi vebhizimisi kuti vaite zvikwereti zvavo zvekukweretesa kusvika kuma $ 250,000 akaongororwa neSBA mushure mekunge bhizimisi ari kushanda kune chikwereti chemari chikwereti. Nokuti zvikwereti zvezviyero izvi zvinogona kuva zvakaoma kuchengetedza, rubatsiro rwechirongwa chechikwereti cheSBA ndechokuti yakagadzirirwa kubatsira vabhizimisi vebhizimisi kugadzirira zvikwereti zvavo zvekukwereta - kusanganisira zvirongwa zvavo zvebhizimisi - mune zvakakwana zvakanyatsotarisirwa zvakanyanya nevakweretesi vavo.
SBA chikwereti chekugadzirisa chikwereti chinonyanya kukoshesa pamunhu anenge akakumbira, chikwereti, ruzivo uye kuvimbika panzvimbo yeavo vanoita. Iko kusati kwadzidzira kuongororwa kwakavakirwa pane zvakakosha zvemari, chikwereti uye nhoroondo yebhizimisi, uye mazwi ekukumbira-chikwereti.
Mutauriri weSBA akasarudzwa anoshanda nemuridzi webhizimisi kuti aongorore uye asimbise chikumbiro chemari. Mutauriri weSBA-akasarudzwa angangodaro ari nzvimbo yeBusiness Business Development centre kana sangano rinobatsira. Small Business Development Centers vanoshumira sevapamberi havabhadhari mari yekubhadhara chikwereti, asi mabhizinesi anobatsira.
Imari ye SBA iri purogiramu inotungamirirwa neHS Office of Field Operations uye mahofisi eSuwa. Kuti uone kana kune chiremba chekugadzirisa kushanda chinoshanda munzvimbo yako, taura nehofisi yako yeSBA yekune imwe nzvimbo.