Chimwe Chitubu Chekubhadhara Kwemabhizimisi Maduku
Private Lenders Inogonawo Kupa Mari
Venture capitalists uye vatengi vatengi vanogona kupa hutano huripo, zvisinei, vadzidzisi vemabhizimisi vakawanda havadi kuregera kuenzana kana kutarisana nevashambadzi vanoda vanoda kutaura kuti bhizinesi iri kuitwa sei, zvichiita kuti chikwereti chega chega chigone kushandiswa kune avo vasingakwanisi kuchengetedza mari yebhangi.
Chido chekukweretesa kwebhizimisi chekutengeserana chakaita kuti kuputika mumusika wekambani yemabhizimisi emakambani eInternet - pane zvakawanda zve "fintech" muIndaneti kukweretesa firms kusarudza kubva, zvichienderana nezvinodiwa. Semuenzaniso, vamwe vanonyanya kugadzirisa zvikwereti zvenguva pfupi, vamwe vari mumisika yemichero yakadai sefranchises, nezvimwewo.
Marudzi eZvimbiso Zvese
Miriwo yeBusiness Business Administration (SBA)
SBA zvikwereti zvikwereti kana mari yega yega inoratidzwa nehurumende kuburikidza neSBA. Izvo zvikwereti zvakaderera, zviduku zvezvibereko zvishoma uye mazwi akawanda ndezvinoita kuti zvive zvakanaka kune mabhizinesi.
Lines Credit
Nzira dzekwereti ndeye chikwama chemari yemari yakasimwa yakafanana nebhizimisi rechikwereti.
Mitsara yechikwereti inonyatsochinja - unogona kukwereta kune chikwereti chako uye chikweretesa chikamu chero nguva. Nharaunda inowanikwa yakaderera kunze kwekuti iwe unofanirwa kuva wakakwereta.
Vezera Rokuda (P2P) Mari
Vezera rekuda chikwereti vanoitwa nevashambadziri kumabhizimisi anoshaiwa mari. PaIndaneti P2P maitirwo emakero anokweretesa nevakweretesa uye aripa mari yebasa racho.
Nhamba dzechido dzakaderera uye kugamuchirwa kunokurumidza uye nyore.
Merchant Development (For Ested Business Business)
Kufambira mberi kwekutengeserana kunopa kuwanikwa nokukurumidza kune mari inobhadharwa nehuwandu hwekwereti yekwereti / debit kadi yekutsvaga. Kubvumirwa kunokurumidza asi mari yacho inowanzokwirira zvikuru kupfuura mari inobhadharwa pamaripo.
Investor Loans
Zvikwereti zvevatengi zvakangofanana nekutengeserana kwevatengesi mune zvekuti vamwe vanokweretesa vari voga vachapa mari yekutsinhanisa nehuwandu hwemari yeramangwana (somuenzaniso kukura kwechigadzirwa chitsva kana basa iro rinokwanisa zvikuru asi rinoda mari yekuenda kumusika).
Term Loans
Kungofanana nedzimwe sangano rezvemari, vanokweretesa vari vega vanopawo zvikwereti zvemazuva ekugadzirisa mabhizimisi anokwanisa kuratidzira kukwanisa kubhadhara kubva pamari. Mitengo uye mari yepamusoro yakakwirira kudarika zvikwereti kubva kumabhangi.
Kubatsirwa Kwemari Yakabhadhara
Mabhangi anopa mvumo yekuti zvikwereti zvinokonzerwa nemari yechikwereti, asi vateresi vepamberi vanowanzova nokunzwisisa kwakanyanya kwemaindasitiri ezvimwe mabhizimusi uye zvikamu zvemashamba uye vanogona kugadzirisa mari yavo yekubhadhara zvakakodzera.
Izvo zvinoshandiswa pakutsvaga zvinokurumidza zvikuru nevanokubhadhara vari voga - bhizinesi rakagamuchirwa kune chikwereti chemari yega yega inogona kuwana mari mumazuva pane vhiki kana mwedzi sebhadharo yebhangi.
Kuvhiringidzika Kwemari Yakabhadhara
Izvo zvinonyanya kukanganisa zvezvikwereti zvemari yega zvikwereti zvakakwirira zvekufarira. Mabhenji anogona kukwereta mari pamadhora maduku nokuti vane ruzivo rwemari kubva kumasangano ehurumende uye mari.
Vanokweretesa vari voga vanowana mari kubva kumabhangi kana kuti vatengesi uye naizvozvo vanozofanira kukwereta mitengo yakakwirira kuti vawane mari yakakwirira yekubhadhara mari.
Pamusoro Pamwe Chete Zvikwereti Zvikoro
- SmartBiz inopa Small Business Administration (SBA) yakatsigirwa nguva yechikwereti - imwe yenzira dzakanakisisa dzokubhadhara bhizinesi duku.
- Upstart isiti yeP2P inopa zvikwereti zvebhizimisi uye zvebhizimisi kusvika pa $ 50,000. Kumusoro kwakakurumbira nekutanga mabhizinesi asina ruzivo rwekwereti yakawanda.
- BlueVine inowanzozivikanwa nezvekwereti yebhizimisi yepaInternet iyo inopa mari yekubhadhara mari inobhadharwa (invoice financing) nemiganhu yenguva pfupi yekwereti kumabhizimisi maduku.
- Mari Inoshandiswa Inowanikwa paIndaneti P2P chikwereti icho chinogona kupa mari kusvika ku $ 500,000 pamabhizimisi akavakwa mune zvishoma kana mazuva gumi.
- ZVAII Capital inopa zvose mutengesi mari inofambira mberi uye nguva yechikwereti (kusvika ku $ 250,000 kwemwedzi 6-18) kumabhizimisi akange aripo. Mari dzinogona kuwanikwa mumazuva mashomanana ebhizinesi.
- Lending Club ndeye P2P chikwereti chinopa zvikwereti zvebhizimisi zvinosvika $ 300,000 mugore ra1-55 mazwi nekuda kwemabhizimisi ave achishanda kwemwedzi inenge gumi uye ane $ 50,000 gore negore rekutengesa.
- PamberiLine inopa nguva pfupi (kusvika pamwedzi 18) uye iri pakati (kusvikira kune makore mashanu) mari yechikwereti yemari inokwana madhora mazana mashanu emabhizimisi ekugadzirisa mabhizinesi nekutengeswa kwegore rose kwe $ 100,000 kana kupfuura.
- Internex Capital inopa migwagwa yenguva pfupi inotora chikwereti kumabhizimisi mashomanana uye pakati pezana. Kubvumirwa kunobva pamabhadharo ekuwana mari uye mari inogona kuwanikwa mune zvishoma semazuva matatu ebhizimisi.
- Fundbox inopa chikwereti chiri muIndaneti inopa mari yekubhadhara inobva kukosha kwemavovo asina kubhadhara. Kuti vabvumire mari, vanoda kuwanika kugoogle account yako kana kubhengi yebhangi. Mari dzinogona kuwanikwa mune rimwe zuva bhizinesi mune zvingasvika ku $ 100,000.
Onawo:
Nzira Yokuwana Mari Mikuru Yebhizimisi
Gadzirira Muridzi Wemagariro Akagadzirira Plan
Kuwana Small Business Financing
I 7 Zvinhu Angel Investors Vari kutsvaga mune Bhizinesi
Nzira Yokuwana Nengirozi Mutengi