Ama-Microloan yibolekisi bemabhizinisi amancane ngokuvamile ababoleka imali efika ku-$ 35,000, kepha abanye ababolekisa bazovumela ama-microloans afike ku-$ 50,000. Ama-microloans ngokuvamile asetshenziselwa ukheshi okuqalayo kodwa ngezinye izikhathi anikwe amabhizinisi amancane amasha amasha okusebenza.
Ama-microloan angasetshenziswa ngezinhloso eziningi kuhlanganise nokuthengwa kwemishini, yokusungula, imishini, izakhiwo, ifenisha, izinto, ngisho nokuthenga elinye ibhizinisi.
Ingabe i-SBA inikeza ama-Microloans?
Cha. I-Small Business Administration (SBA) ayiboleki imali kumabhizinisi noma ngabanye. Kodwa-ke, i-SBA inezinhlelo eziningi amabhizinisi amancane angafaka isicelo semali mboleko kanye nokunye ukusekelwa kwebhizinisi. I-SBA ihlinzekela ngezimali kwabanye abanikeli bomphakathi abangenzi nzuzo abazoboleka ukuboleka imali engenzi inzuzo. Laba babolekisi benza ama-microloans amabhizinisi amancane, ngokuvamile emiphakathini yawo.
Yimiphi Imigomo Yemiholo Yomklomelo?
I-microlender ngayinye izoba nezidingo zayo zokukhokhwa kwe-microloan. Ngokuvamile, isikhathi esiphezulu se-microloans sineminyaka eyisithupha (6), kepha izinga lentengo kanye nezidingo zokubambisana ziyahlukahluka kakhulu phakathi kwabakwa-microlenders.
Abaningi be-microlenders badinga isiqinisekiso somuntu siqu okungenani omunye wabanikazi bebhizinisi.
Ngesinye isikhathi, ama-microloan ayelula ukuthola uma kuqhathaniswa nemalimboleko yasebhange bendabuko. Kodwa-ke, ngokuwa phansi komnotho wase-United States ngo-2008, ama-microloans angase abe nzima nakakhulu ukuthola manje.
Ama-Microloans athola nge-SBA-backed noma amanye amahlelo ahambisanayo ngokuvamile adinga ukuthi ofaka isicelo afeze izidingo ezithile zokuqeqeshwa kwebhizinisi nokuhlela (okuhluka) ngaphambi kokuba umnikazi webhizinisi angathumela isicelo se-microloan.
Ngingayitholaphi i-SBA-Partnerered Microlender?
Ungathola abakwa-SBA-partnered microlenders kulo lonke elase-United States (njengamanje kuthiwa abangu-46 banezinsizakalo ezihlangene ze-SBA) kanye nesifunda sase-Columbia nasePuerto Rico.
Ungathola uhlu lwabaphathi be-microl in state yakho kuwebhusayithi ye-SBA.
Ingabe Kukhona Abanye Ababolekisi Abafakiwe Ne-SBA Eyenzela I-Microloans?
Yebo. Nazi izindawo ezimbalwa zokuhlola:
- I-Kiva - Iwebhusayithi eyenza abantu bezinkampani ezincane babambe iqhaza kumabhizinisi kwamanye amazwe. I-Kiva ikuvumela ukuthi ukhokhe okungenani u-$ 25 ukusiza abantu baqale amabhizinisi amancane kwamanye amazwe. Kuze kube manje, abanikeli be-Kiva banikeze imali engaphezu kwamaRandi ayizigidi eziyizigidi ezingu-7.7 emabhizinisini amancane emhlabeni jikelele (ngo-Okthoba 2015).
- Isikhwama Semathuba - I-microlender engenzi inzuzo ehlinzeka ngemikhakha ehlukahlukene yezinkampani ezincane nezindleko zebhizinisi ezincane ezingasetshenziselwa imali yokusebenza, ukuthengwa kwemishini, ukulungisa kabusha nezinye izindleko zokuthuthukiswa kwebhizinisi.
- Accion USA - Emabhizinisini akhona, ukubolekwa kwe-Accion okuvela ku-$ 500 kuya ku-$ 50,000. Lezi mboleko zivame ukusetshenziswa ukuba zisebenzise izinto ezinjengezimali zokusebenza, izindleko zokusebenza, ukuthenga imoto, ukuthengwa kwempahla, ukuthengwa kwemishini, izinguquko zendawo, nokukhangisa.
Izinhlangano zentuthuko yezomnotho zendawo zenza ama-microloans kumalungu omphakathi wendawo. Shayela umasipala wakho wendawo noma igumbi lesentengiselwano bese ucela ulwazi olumayelana nalabo abasebenza endaweni yakho.
Nazi ezinye izinsiza ezimbalwa zokusiza ukuthi uqalise:
- Imithombo Yemiholo Emihlanu Yokuqala Ibhizinisi eCanada
- Ama-Microloan for Business Women
- Izincazelo nezibonelo ze-Microlending
Ingabe Kunzima Ukufanelekela I-Microloan?
Ikhono lakho lokufanelekela noma yikuphi ukubolekwa kwemali kuxhomeke esimweni sakho sezimali esiyingqayizivele kanye nokulinganisa ngesikweletu kanye nezidingo zomuntu ngamunye zabathengi abahlukene. Kodwa-ke, kunezinye izinto ongayenza ukuze uthuthukise amathuba akho okuvunyelwa ukubolekwa kwebhizinisi.
Uma ufaka isicelo saluphi uhlobo lwemali mboleko yebhizinisi unenjongo yebhizinisi lekhwalithi yekhwalithi.
Yilungele ukubuza mayelana nesipiliyoni sakho ebhizinisini kanye nekhono lakho lokuqala nokuqhuba ibhizinisi eliphumelelayo. Ungase ubuzwe mayelana nemfundo yakho, amakhono akhethekile, nolwazi oluhle lochwepheshe kanye neziqinisekiso ezingasiza ekuqinisekiseni umbolekisi owaziyo okwenzayo.
Kufanele futhi ulungele ukukhombisa ukuthi usuvele utshalile yini ebhizinisini ngokwabo. Abatshalizimali bangakholelwa kakhulu embonweni wakho webhizinisi uma usuvele ubonise ukuzimisela ukudela ukuze uphuphe amaphupho akho.
Letha idatha yezimali nawe kumbolekisi kubandakanya ibhajethi, ibhalansi, nanoma yimaphi amanye amadokhumenti okumele ubonise ukusebenza okwedlule kanye nempahla yamanje.
Ngingasebenzisa i-Microloan nganoma iyiphi inhloso yebhizinisi?
Cha. Ababolekisi bazofuna ukwazi kahle ukuthi uhlela ukuthini ngemali mboleko futhi uvame ukubeka imikhawulo kulokho ongayisebenzisa khona imali. Qinisekisa ukuthi ubuza noma yikuphi imibuzo ongayithola mayelana nokuthi ungayikhokhisa imali nokuthi ungakholeka kangakanani ngaphambi kokuba uthumele isicelo esisemthethweni.
Bonisa ukuthi wenze umsebenzi wakho wesikole nokuthi ungathembeka futhi ungase uthole nje mboleko oyidingayo ukuze uqale ibhizinisi lamaphupho akho.