Sources ye Microloans yekutangisa Bhizinesi Dzakawanda dzeCanada

Unoda Mari Kuti Uitange Bhizimisi Rako Duku? Wana Microloan

Amai vechidiki vakaona kukosha kwezvokuchengetedza zvevana. Murume akarota kuva nebhizimisi rake rebhizimisi rezvokudya. Kungova mienzaniso miviri yevanhu vane unyanzvi uye mazano ebhizimisi angadai akaparara kunze kwekutanga kwekwereti kuti mapurogiramu emari mashoma anopa.

Tinowanzofunga nezvekusimudzira nyika apo patinofunga nezvemarikiti, asi pfungwa yekupa zvikwereti nemari yemari kune vanhu vangave vasina kana kuwana zvishoma kukuwana kwavari iri kurarama uyewo muCanada, zvakare - mashoko akanaka kune vanotarisira mabhizimisi vachitarisa nokuda kwekutanga-up money.

Unoda Zvakawanda Zvakadini?

Makumi makumi mashanu nemasere kubva mazana emabhizimisi eCanada madiki aitanga neasingasviki $ 5,000, uye 79% vakatanga bhizinesi ravo risingapfuuri $ 20,000, maererano nekuongorora kwebhizimisi muCanada neIntuit Canada. (Uye nokuda kwezvitoro zvemunhu mumwe chete, chidzidzo chacho chakawana kuti nhamba iyoyo yakanyanya kukura: 77% yakatanga kutaurirana neasingasviki $ 5,000.)

Asi iyo $ 5,000 iyo inogona kunge yakaoma sekuedza kubhadhara $ 5 mamiriyoni kana uri munhu ane chikwereti chakashata uye / kana pasina mari .

Nenzira yakanaka, hurumende yeCanada, Chikwereti cheMakonkoni, uye mapoka emagariro akagadzira mapurogiramu anopa microcredit (madhodhi maduku emabhizimusi pasi pe $ 20,000) kune vanhu vanozoomerwa nokuwana chikwereti chemabhizimisi chetsika.

Heino michina ye microloan iwe unogona kukwanisa kupinda mukutangira bhizinesi rako reCanada:

Ndiani Anopa Microfinance Programs?

Mipurogiramu yakawanda yemari michina muCanada inzvimbo-yakatorwa; Iwe unofanirwa kurarama kune imwe nzvimbo yekufanirwa.

Tarisa urongwa uhwu kuti uone kuti zvii microloan zviripo kutanga (uye dzimwe nguva kuwedzera) bhizimisi raunogara.

1. Chirongwa Chinoshamisa Chechikwereti (Zvikwereti zveKBC): inopa BC vagari vane makore 18 kusvika ku29 vane makore mashoma vasina kufarira vanoenda kune $ 5,000 kuti vatange bhizinesi duku reCanada.
2. Community Micro Kukwereta: Kubhadharwa seCanada yekutanga kuyanana nevamwe, iyi yevanhu vasina ruzivo, ine matavi maviri muBBC, imwe muVictoria uye imwe muOkanagan. Vanopa kutanga-up zvikwereti zvinosvika $ 5,000 uye kukweretesa zvikwereti zvinosvika $ 10 000 kune vadzidzisi vezvemabhizimisi vasingakwanisi kutenga chikwereti chavanoda kubva kubhangi kana chikwereti. Chero ani zvake anogona kukwereta mari kune avo vanobudirira vanobhadhara chikwereti kuburikidza newebindu rewebhu. (Ikozvino, pane zvishoma zve $ 500 kune vanokweretesa.)

1. Microloans yeGreen Business: Vancity Credit Union muVancouver, BC, inopa chikwereti chezvikwereti zvemabhizimisi maduku. Chinangwa chepurogiramu iyi ndechokubatsira kutanga-makambani mabhizimusi kukura mabhizimisi ezvizha kana kushanda pakutanga zvigadzirwa zvemagetsi.
2. Assiniboine Credit Union Microloan Program: Inopiwa kuburikidza nehutano pamwe neWest Economic Diversification Canada, purogiramu inopa zvikwereti zviduku zvebhizimisi kusvika kuma $ 35,000 kuti utange kana kukura mabhizimisi maduku munzvimbo yeWinnipeg.
3. Western Economic Diversification Canada (WD): inopa chirongwa che microloan kupa zvikwereti zviduku kumabhizimisi maduku kuVancouver, Victoria, Edmonton, Regina, Saskatoon, uye Winnipeg.
4. Kusvika kweChikwata Chekuda Kwemari: Inyoresi yekubatsira, Kuwana kunopa ma microloans kune vanhu vasina mari kana chikwereti chekwereti vanoda kuvandudza mararamiro avo ekurarama nekutanga bhizinesi muGreater Toronto. Mari yepamusoro inodarika $ 5,000 yevashandi vokutanga uye $ 10 000 nokuda kwechikwereti chechipiri.
5. Alterna Savings; Community Micro Loan Program: zvikwereti zviduku zvebhizimisi kune avo vanoda kutanga mabhizinesi muToronto uye munzvimbo.
6. Ottawa Community Loan Fund: Mari yekusvika kusvika $ 15,000 kutanga kana kuwedzera bhizinesi munzvimbo yeOttawa.

1. Montreal Community Loan Association: Iri sangano remagariro rinopa zvikwereti zvinokwana madhora 5 000 kune vanhu vane mari shoma vanoda kutanga mabhizinesi avo asi havagoni kuwana chikwereti kuburikidza nemakero evasi. Iwe unofanirwa kurarama paChiwi cheMontreal kuti uwane chirongwa.
2. Chirongwa Chekudzidzira Zvekudzidzira: Hurumende yeNew Brunswick inopa zvikwereti zvisingabatsiri zvinosvika $ 3,000 kune vadzidzi vanoda kutanga bhizinesi rezhizha. Bhizimisi rinofanira kugadzira basa rimwe chete rekuzara kwemazuva echando uye ipe munhu anenge akakumbira ne "bhizinesi rinokosha bhizimisi".
3. Mbeu Capital Initiative: Kunyange zvazvo isiri purogiramu ye microloan, purogiramu iyi yehurumende inoshandiswa neAlanticanan Opportunities Agency inopa zvikwereti zvinosvika madhora makumi maviri nemazana makumi maviri kusvika kune makumi maviri kusvika kune makumi mashanu emadhora ekutsvaga vashandi vari mumatunhu eAtlantic (uyewo zvikwereti kuwedzera kana kuvandudza mabhizimisi maduku). Purogiramu yeMbe inobvumirawo mukana wega wega kuti asvike kusvika ku $ 2,000 yebhizimisi yekudzidzisa uye kubvunza (izvo zvisingafaniri kubhadharwa).

1. Bhizimisi Greater Moncton: Kana iwe uchigara muDeppe, Moncton uye Riverview nzvimbo yeNew Brunswick, svika kuChirongwa Chekuita Mbeu pano.
2. Enterprise Saint John: ACOA's Seed Capital Program inogona kuwanika nevaya vari muSanta John nzvimbo muNew Brunswick kutanga, kuwedzera kana kuvandudza bhizinesi duku.
3. Sangano reFredericton: rinoshanda purogiramu yekubhadhara Mbeu yekusvitsa mabhizinesi muFredericton, Oromocto uye New Maryland muNew Brunswick.
4. Centre for Entrepreneurship Education and Development (CEED ): Inowanikwa kune mabhizimisi muHalifax, Dartmouth, uye Bedford, Mbeu yeGuru Yepamusoro ndeyevanhu vanoda kutanga bhizimisi yemakore 18 nekukwirira - kunyange zvazvo vashambadzi vechidiki (vane makore 18 kusvika ku34) vanogonawo shandisa mari sebhizimusi kukura chikwereti.
5. Metro Business Opportunities (MBO): Kuwana chirongwa cheSeed muNewfoundland neLabrador, unofanira kunge uri muSt. John's - Mount Pearl.
6. MuSt John's, kunewo Micro-Business Development Group (MBDG) Purojekiti yePilotisi yevatengesi vari kuronga, kutanga kana kuwedzera micro-bhizinesi. Iyi purogiramu inopa ma microloan kusvika kusvika $ 10 000 uyewo kuwana ruzivo rwekudzidziswa, kubhizimisa kwebhizimisi, uye mabhizimusi masangano.
7. Kick $ tart: Kana uri pasi pe35, uchigara kuNewfoundland neRabrador, uye usingakwanisi kutenga mari yaunoda kutanga kana kuwedzera bhizinesi rako, unogona kuwana $ 5,000 chikwereti chekubhadhara chikwereti. (Cherechedza kuti haufaniri kuva nemakore 18 kana kupfuura kuti uwane chirongwa ichi, chero bedzi mubereki wako kana mutarisiri wako achida kubhadhara chikwereti kana uri pasi pe18. vanhu vanofanirwa nechepamusoro (vakawanda) venyika.

8. Kuenda kune dzimwe nyika Fellow Micro Loans: IAF zvikwereti ndezvevatengesi, vashandi uye / kana vashandi vane unyanzvi vanobva kune dzimwe nyika kuti vawane malayisensi kana kudzidziswa zvavanofanira kushanda mumunda wavo kuCanada. Mari inosvika ku $ 10 000 inowanikwa kune vanoenda kune imwe nyika vanogara kuCanada (kusina BC neQuebec panguva yekunyora).

9. MuC BC, vanotora mari vashoma vanoenda kune dzimwe nyika vasingakwanisi kuwana zvikwereti zvezvikwereti zvinowanzogona kuwana ma microloan kusvika kusvika $ 5,000 kuburikidza neDIVERSEcity kutanga bhizinesi kana kuwana ruzivo kana chiyeuchidzo chavanofanira kushanda mumunda wavo kuCanada.

Hapana Mari Mikuru Yakakonzerwa Kwauri?

Nhau dzakanakisisa dzezvose ndezvekuti sangano rekusimudzira mari iri kupararira. Kana iwe usingaoni chikwereti chipi zvacho chaunogona kuisa kune pane zvakarongwa pamusoro apa, tarisa nehupfumi uye / kana hupfumi hwehupfumi huri munyika yako yeguta uye bvunza Credit Union kana Caisse Populaire kana vane chirongwa chakadaro. Kungoti bhagheni haigoni kukupa chikwereti hazvirevi kuti mari yaunoda kuti utange kurota kwako haisviki.