Kuwana Mari Miviri Yebhizimisi Zvakaoma
Zvinosuruvarisa, masangano ezvemari anozivikanwa asingadi kukweretesa kumabhizimisi mashoma - maererano neongororo ichangobva kuitwa nepamusoro-pedo yevanhu vanopfuura 10 000 vanobhadhara mari yebhizimisi muUnited States 82% vakaramba kubhadhara mari nebhangi ravo .
Kuzvigadzirira kumabhizimisi maduku, kunyanya kugovera, ndeye riskier kugadziriswa kwemabhangi pane kubhadhara chikwereti kana kukweretesa kumabhizimisi makuru, akasimwa.
Mukuwedzera, zvichitaura kuti pasi pekunyorera mari yekuongorora, kuongorora, nekugadzirisa chikwereti chiduku chinenge chakafanana nechechikuru, mabhanga anogona kuwedzera purogiramu yavo nekuisa zvikwereti zvakakura kune mabhizimusi makuru (mabhizimisi mashoma anowanzokumbira zvikwereti zvishoma kudarika $ 500,000). Sezvo nekurambwa kwekubhadhara mari, kazhinji mabhizinesi maduku anowanzobhadhara mari yepamusoro yezvikwereti kune zvikwereti kupfuura mabhizimusi makuru.
Funga kuti iwe unogona kuva nekodzero yakaisvonaka yekwereti uye urongwa hwakasimba hwebhizimisi uye usingakwanisi kuwana chikwereti chebhizimisi chiduku nekuti hauna mari . Kunyange vanhu vanogadzirwa bhizinesi vanogona kuzviwana munzvimbo iyi, kana vasina pfuma yavo yakakwana, yakadai sedzimba kana imwe nzvimbo.
Mune mamwe mazwi, chikwereti chiduku chebhizimisi hachibvumirwi pamamiriro ebhizimisi rako; iri kupiwa pamamiriro ako ehupfumi.
Ndosaka zvakakosha kuti imba yako yezvemari iripo iwe usati waita chikwata chemabhizimisi maduku.
Iwe uchaonawo kuti vazhinji vanokweretesa chete havasi kupa mbeu mari. Kunyange zvazvo vakanyatsoda kupa mvumo yebhizimisi shoma kuti vabatsire bhizinesi kukura, havadi kutora ngozi yekukweretesa kutanga.
Zvose izvo zvinotaurwa, une mukana wakanaka wekutora chikwereti chebhizimisi chiduku kana iwe uchiziva kuti ungatarisa uye wakagadzirira kusangana nemutarisiri wevatengi. Ramba uchifunga kuti kunyanya kufungidzirwa kwevateresi kutaridzika kwekutarisana uye kugamuchirwa kunobatanidzwa pakuongorora kwavo kwekukwanisa kwako kubhadhara chikwereti.
Kuwedzerwa Maitiro Ekubudirira Kwechikwereti Chekuita
Kunze kwekuchengetwa kwakakwana, masangano emari achada zvinotevera asati atarisa chikwata chekubhadhara chikwereti:
- Bhuku rebhizimisi runyorwa rinotsanangura kambani yako, michina, chinangwa pamusika , kubhadhara mari, kukwira kwemari uye zvimwe zvikwereti zvemari, nezvimwewo mabhanki anoongorora zvirongwa zvebhizimisi kuti azvivimbise kuti bhizimisi ravari kukweretesa inogona kubudirira. Sezvo zvakadaro, chirongwa chebhizimisi chinoda kuratidzira sangano rakasimba remabhizimisi rinotsigirwa nehutano hwakanaka.
- Kana iwe uri bhizinesi rakagadziriswa, ruzivo rwakadai semari chikwereti / nhoroondo yemari, mabhangi ebhangi, uye mamwe mazano ekutsigira mari. Iwe unofanirwawo kusanganisira mabhuku anogamuchirwa uye zvinyorwa zvinobhadhara zvinyorwa, uye zvinyorwa kubva kune vatengesi zvinoratidza kuti une nhoroondo yakasimba yekubhadhara panguva. Pakupedzisira, inosanganisira mabhizimusi , mabhizimisi emitero, uye (kana zvichibvira) zvinyorwa zvezvemari zvemakore mashomanana apfuura emabhizimusi.
- Nhaurirano yezvemari, kusanganisira tsanangudzo yezvinhu zvakadai sedzimba, motokari, masimba, nezvimwe zvikwereti zvakadai sezvikwereti, zvikwereti, kadhi rechikwereti chikwereti, nezvimwewo.
Cherechedza kuti mabhenji anowanzodawo chikwereti cheshuwarisi pamabhizimusi emabhizimisi, ayo anotsiva kudzorerwa kwechikwereti kune mhosva yekufa kana kuremara kwomuridzi webhizimisi (s).
Nokuwedzera pane mikana yekutora chikwereti chebhizimisi chiduku, ona Mawaniro Ekuwana Mari Mikuru Yebhizimisi .
Zvikwereti Zvekwereti Zvingave Zvimwe Zviri Nani Kupfuura Mabhangi
Zvikwereti zvekodzero ndezvowakanyanya kukosha kwekubhadhara kwemabhizimisi maduku. Maererano neHuffington Post: "Kubva munaJune 2007, kutanga kwematambudziko emari, kusvika munaDisemba 2015, zvikwereti zviduku zvebhizimisi zvakakosha pamakambani emarikiti zvakapetwa kaviri-zvichikura zvishoma kudarika 130% munguva.
Izvo zvikwereti pamabhangi zvechokwadi zvinoputika ne10% panguva iyoyo. "
Zvikwereti zvekwereti zviduku, zvizivo zvepamunharaunda zvepamunharaunda uye zvakadaro zvinowanzokweretesa kumabhizimisi maduku mumharaunda yavo. Mabhangi, kune rumwe rutivi, akawana makuru uye akawanda munyika (uye kune dzimwe nyika) kuburikidza nekubatana uye kuwanikwa. Iko huru iyo inoshandiswa zvishoma zvingaita zvisarudzo (zvakadai sokukweretesa mutemo) inoitwa panzvimbo yemo.
Mienzaniso: Chikumbiro chaSteven chechikwereti chiduku chebhizimisi chakarambidzwa nokuti akanga asina chekugadzirisa.
Community Investment Funds
Community Investment Funds isangano risina purogiramu rakatsaurirwa kubatsira vanhu vasingakwanisi kutenga zvikwereti zvavanoda kuti vaende pamakumbo avo kubva kune tsika yekweretheni (yakadai sebhangi kana chikwereti mari), kazhinji nokuti havana chikwereti nhoroondo kana chibvumirano chekuti chikwereti chekwereti chinowedzera. Zvimwe zveMunhara Loan Funds zvichabatsirawo vanhu vane mari shoma dzekwerekiti (kunyange zvazvo vangangoomerera kuti iwe uende kuburikidza nekukweretesa chikwereti).
Saka kana usina chikwereti chenhoroondo kana chibvumirano nekuda kwekurambana, nokuti iwe uri mutsva wekubva kune imwe nyika kana kuti iwe uri muduku, kana kuti iwe une chikwereti chakashata chekubhadhara nekuda kwezvokubhadhara, iwe wega Community Community Loan Fund inogona kunge yakagadzirira kupa iwe chikwereti chiduku chebhizimisi.
Bhizinesi yako inotanga kuve inzvimbo, kunyange zvakadaro. Community Investment Funds inowana mari yavo yekushanda kubva kumisha yavo. Kunyange zvazvo imwe mari inogona kunge ine rubatsiro rwehurumende, kazhinji chikwereti chemari yezvikwereti chinouya kubva kumarima inokumbirwa kubva kumachechi, mapoka ebasa, uye mabhizinesi epamba.
Kusiyana kweMunharaunda Loan Funds ine zvikwereti zvakasiyana zvakasiyana-siyana saka usakurumidza kuzvivanyorera sechinhu chinogona kutanga mari yekutanga kana mari yekuwedzera bhizinesi rako duku; kana uri kutsvaga chikwereti chiduku chebhizimisi, kunyanya mumwe kutanga bhizinesi, zvinotofanira kutarisa neunharaunda yako Community Community Loan kuti uone kana iwe uchigona kukodzera.
Usati Waita Chikwata Chekutsvaga Mari
Mumwe nomumwe weizvi Community Loan Funds anoda kuona chirongwa chakasimba chebhizimisi sechikamu chekushanda kwako. Kana iwe usina imwe, Kunyora Kwandakaita Bhizinesi reBusiness Plan rinotanga neBusiness Plan Outline richakutungamirira kuburikidza nekunyora imwe.
Onawo:
Kurumidza-Kutanga Purogiramu Yebhizimisi