Kuphi ukuthola imali ibhizinisi?

Ukwakha ibhizinisi, udinga dolobha ekuqaleni-up - a priori. Ayikho imali - akukho ibhizinisi. Ngenxa yalokho, umbuzo wokuqala obuqalene usomabhizinisi imfundamakhwela - lena umbuzo mayelana kuphi ukuthola imali ukuze ibhizinisi.

Uma uthi nhlá, ikhambi lenkinga isobala: ngamakhulu amabhange ukunikela ukubolekisa ngaphansi lolu hlelo. Ukuhlala phansi ukubhala iplani yebhizinisi, ibhizinisi ngikwazi ukuqala buthule lingeteka, esekelwe yokuthi imali ibhizinisi lakho kulula ukuthola kunoma yiliphi ibhangi noma iholo noma isibambiso welinye ifulethi noma imoto.

Futhi yonke into ihamba kahle ephepheni: imali esele - buldo, debit - credit izindleko - engenayo kanye tsiferka ezimnandi ekhombisa imali ekahle! Nokho ...

Prakthiza ebonisa ukuthi ukuthatha imali ku-credit isithakazelo - inketho kunalokho okuyingozi ekuzithetheleleni% 10 kuphela. Akunakwenzeka ekulungiseleleni business plan sikulindele zonke "izingibe" ukuthi ungalindela usomabhizinisi imfundamakhwela, enquma ukuvula ibhizinisi yangasese.

Inkinga yokuqala kungenzeka ngenxa yephutha in izibalo - .. Khipha izimpahla unsaleable, ngokukhetha endaweni okungeyona esitolo sakho noma ehhovisi, overpricing, ukubambezeleka umkhiqizo, njll Ngenxa yalokho, njengoba nje 'isivuno sisiningi kakhulu khona ukubaluleka', okungukuthi, inzuzo yebhizinisi ukuba avele amaphepha eqinisweni ezimbi. Kodwa ibhange ukuchaza konke lokhu cishe akunakwenzeka! Ngakho-ke, lo somabhizinisi ezineshwa kuyodingeka ukuba bahoxe ekungeneleni utshalomali baye alikaphumi ukuba Izinyawo Happy. Kungenjalo amabhange ngeke kutfula tinhlawulo obolekayo, ngezinye izikhathi okweqa inzalo loan ukuthi ubuhlungu ibhizinisi.

Yebo, futhi ngesikhathi yimpumelelo simo Wezindaba share sengonyama of inzuzo uyohlale ukuya ebanjwayo ku inzalo etholakala ngemali. Cha, hhayi sokukhokhwa kwesikweletu - okungukuthi, ukukhokha inzalo loan!

I Snag yesibili kuwukwanda ezingalindelekile slotting izimali noma ehhovisi - Ngezikhathi ezinjalo nokuqhuba ibhizinisi, maye, awazange athunjelwe akhawunti ...

Ngenxa yalokho, njengoba ukwanda yasebhange isithakazelo amazinga, nakho akunakwenzeka ziye bazicabange. Indlela yokwelapha esebenza nge isitatimende enkantolo, maye, futhi kudinga ukutshalwa ezithile kakade, okuyinto ayifuna ngabomvu entulekayo. Futhi kufanele kuqala "inhlanzi ephuma", ukuthatha namanye amabhange kanye nokunika imali yokuqala, egxilile bayanda iphesenti izikweletu ixhaphozi ...

Kwaba ngala mazwi ukutshela izindaba zakhe esesiphelile ibhizinisi, eyathwala loans kwelinye ibhizinisi ukusuka amabhange.

Kodwa uma engekho amabhange, lapho ukuthola imali ibhizinisi? Kungcono ukuthatha loan (Yiqiniso, ngaphandle kwenzalo!) Nge izihlobo noma nengangibajwayele, abangane, phela. Yiqiniso, inani elikhulu loan usomabhizinisi ngamunye imfundamakhwela bengayi, kodwa njengoba besho, nezwe kangaka for ngentambo encane - lokho leli jezi lakhe athole leli holidi!

Kodwa uma unquma umbuzo lapho ukuthola imali yebhizinisi, ngosizo abangane nezihlobo abakwazi ukukwenza, esingakunikela okunye okukhethwa kukho. Namuhla khona kakhulu ukuvula ibhizinisi ngezithukuthuku ehhovisi umsebenzi. Yebo, lokho kuyoba isimanga, kodwa iphuzu muhle!

Yini okudingeka uyenze ukuze uthole isibonelelo ukuqala ibhizinisi?

1. Udinga ukubhalisa ne abangasebenzi ehhovisi umsebenzi.
2. Ngemva kokuxoxa onguchwepheshe ehola ngesikhathi idili esilandelayo, simcela ukuba ibhizinisi umbono wakho. Uma uchwepheshe unesithakazelo, ziyodlulisela ku-izifundo ibhizinisi.
3. Khona-ke kudingeka wenze okuhle, ezinengqondo, kusobala ukuthi uhlelo lwebhizinisi ebalisisiwe.
4. Uma ungakwazi ukuheha ibhizinisi lakho ngisho umuntu wokuba ku-akhawunti abangasebenzi, uxhaso bayovuka kakhulu. Kodwa, sicela uqaphele ukuthi kuyodingeka bakhokhe "ukusebenza" iholo yabo nyangazonke, okuyinto ngeke ibe ngaphansi ubuncane (namuhla kungenxa ruble 4900 eRussia) futhi wenze izinkokhelo intela futhi yesikhwama sempesheni, ukukhokhela umshuwalense wezempilo, kanye nabanye.
5. Uma uhlelo lwebhizinisi ivunyelwe nguchwepheshe, uzodinga ukuba babhalise ehhovisi lentela, le osomabhizinisi ngabanye kubhaliswe. Futhi kusukela ngaleso sikhathi wena anomthwalo wemfanelo ezibanjwayo ku ukukhokha intela.

Liyini ikhambi lenkinga lapho ukuthola imali ibhizinisi, kangcono kunanoma ubani omunye? Yebo, okungenani ukuthi etshaliwe dolobha ebhizinisini ngeke ahoxe ukukhokha izikweletu. Imali etholwe ehhovisi umsebenzi, akekho ofuna ukuba ngiphane ngakho, kodwa kufanele athumele umbiko izindleko zawo, befaka namarisidi, amakhuphoni namarisidi.