Zvidhizvo zveMabhizimisi Madiki

Kunzwisisa Iro Bhizimisi Runoda Kuendesa

Mazuva anorema munyika yebhizimisi. Mabhenji ari kudzvora pamatanga ekukweretesa, ayo ari zvikwereti zvinotyisa zvikuru bhengi rinogona kuita, uye Small Business Administration inoratidzika kunge iri kurega kuwanda kwezvikwereti izvo zvicharatidza kuburikidza nehurongwa hweSBA hwekukweretesa. Asi kana iwe wakagadzirira, uye iwe une "4 C," iwe une mukana wakanaka kwazvo wekuwana chikwereti ichocho.

Izvo Chikwereti Chinoda Kuziva

Pane mibvunzo mitatu chete kune chikwereti anoda kuziva:

1. Unoda Zvii?
2. Unozobhadhara Izvo Sei?
3. Ndingazvidzivirirwa Sei Kana Musinganditsivi?

Ndizvo. Haikwanisi kuva nyore. Icho chinyengeri chirikufungidzira izvo izvo wako chikwereti anoda kuona kuti apindure mibvunzo iyi. Mutevedzeri wekwereti anogona kuratidzirwa se "4 Cs".

I 4 Cs yeBusiness Lending

Kana iwe uchida kuti sarudzo yako iwane mukana wokubudirira, iwe unoda kushanda pa 4 Cs. Pano ivo, nenzira yekukosha:

Unhu

Unhu hunoreva nhoroondo yemari yemunhu anenge akwereta; iyo ikuti, rudzi rwei "vagari vemari" munhu uyu kana bhizinesi? Unhu huzhinji hunotsanangurwa nekutsvaga chikoro chechikwereti, kunyanya sezvazvakataurwa mune chikwereti chikamu (FICO score). Zviitiko izvo zvichabatsira chikwereti chako chikoro chinosanganisira:

• Zuva rekubhadhara
• Nhoroondo dzakawanda
• Chikwereti chiripo
• Total chikwereti

Kutenda

Kutendeseka kwako ndiko kukwanisa kwako kukunyengetedza chikwereti chako chakanaka icho bhizimisi rako rinogona kubudirira.

Kune zvinhu zviviri zvekuvimbika:

Sangano Rinokosha reMabhizimisi, kusanganisira mari zhinji, kuratidza kuti une simba rekuratidza purogiramu, saka iwe unogona kubhadhara chikwereti (yeuka # 2 pamusoro). Iko kunoshamisa kudhadhara chikwereti, nokuti iwe unenge uchizoita kuti iwe pachako upe chikwereti chako, uye mubhengi anoda kuziva kuti iwe une rekodi rekuzadzikisa mitoro yako yemari (yeuka # 2 pamusoro, zvakare).

Collateral

Kutora zvinoreva kuva nemari yaunogona kutora kubhengi. Mune mamwe mazwi, vanoda "kubhadhara pasi" kuitira kuti iwe uwane chikwereti che "kuchengetedzwa". Mutengi wako anoda kuti iwe ugovere mukutambudzika kana bhizinesi rako richikundikana. Saka vanoda kuti iwe uise mari yako pachako kana bhizimusi mari (sezvikwata zvekuchengetedza) pamutsara. Dzimwe mabhanga anoda 100% pasi.

Izvi hazvirevi kuti vanoda kuti iwe upe 100% yehupfumi; kana iwe ukagona kuita izvozvo, iwe haungadi chikwereti. Asi vanoda imwe rudzi rwezvinhu zvaunogona kuvimbisa. Kana iwe usina zvinhu, bhangi ringada kuti iwe uve ne -co-signer ; ndiko kuti, mumwe munhu ane mari kuti ape chibvumirano pamusoro pechikwereti. Iwe unogona kukwanisa kuwana chikwereti cheSBA, umo SBA inogona kushanda semubatanidzwa wako (rudzi rwe), kugutsa bhizindi rekuda mari. Iwewo uchatumira chibvumirano chemabhizimisi emabhizimisi .

Capital

Guta guru rinoratidzwa mune zvebhizimisi rako. Itai mazita ebhizimisi yezvinhu zvamungashandisa sekuchengetedzwa kwechikwereti. Guta guru ndiro chikamu chakaoma zvikuru chekutora chikwereti kune bhizimisi idzva nokuti mabhizimisi matsva haana midziyo uye zvivako zvekare; Ndokusaka vachida chikwereti, kutenga zvinhu izvi. Kana iwe une dzimba huru iyo iwe unogona kugovera kune bhizinesi, inogona kubatsira kuchengetedza chikwereti, kunyanya kana uri kuwedzera kana kuwedzera kuwanikwa kune bhizinesi riripo.

Imari yepamusoro inotengeswa pamakwikwi akanaka emari (ikozvino), kwete pane zvawakatenga, uye kuderedza kunoderedza kukosha. Saka kana iwe wakatenga chikamu chemabhizimisi makore mashanu apfuura kuti uwane $ 25,000, bhangi haisi kuzokupa $ 25,000 nokuda kwayo, sezvo mutengo wayo wekutengesa mari inogona kunge yakadarika madhora 25,000. Ndokusaka guta guru risina kukosha kubhangi pane kuvimbika uye kubhadhara.