Ukubolekisa Business. Uboleka amabhizinisi amancane kanye naphakathi

ukutshalwa kwezimali kudingeka ukuvula ibhizinisi elisha. osomabhizinisi abaningi abaphendukela kuso emabhange. Anikeza ezihlukahlukene izinhlelo isisekelo ibhizinisi. Inqubo yokubhalisa kuyinto isikhathi eside futhi udinga ukuqoqa eziningi amaphepha wakhe. Loans amabhizinisi amancane kanye naphakathi kuyoba lesikahle, uma kungengakho ukuzithandela ukutshalwa kwezimali zawo.

nemibandela yokuthola

Ukwenza loans izinhlangano eziningi zibonakala. Uboleka amabhizinisi amancane kanye naphakathi itholakala ku kwale mibandela elandelayo:

1. I eqinile kufanele ngokomthetho ngokuthi yayinesimo yonke imibhalo.
2. Amabhange Udinga ukunikela ibhizinisi business plan. Ngesikhathi interview kuyodingeka usitshele umbono ibhizinisi lakho.
3. credit izikhungo Ochwepheshe ukwenza izibalo zabo ku ukuzinza inkampani, ngakho udinga ukunikeza ulwazi oludingekayo, izitatimende izibikezelo.
4. Ukubolekwa ukuze amabhizinisi amancane kanye naphakathi unikezwa khona impahla e impahla.
5. Ungene ikhasimende ukwethembeka. Uma loan ikhishwa ku-IP, hlola umboleki njengomuntu ngamunye. Credit umlando kumele ibe yangempela.
6. Ukuba khona guarantors nokubambisana ababoleka kwandisa amathuba imvume isicelo loan.
7. Umshwalense emabhange eziningi ibhekwa isevisi saziso.

Kuphela ngaphansi kwezimo ezinjalo kungenzeka isicelo sivunyiwe. Ngo kokwenza isinqumo esihle iqala inqubo ejwayelekile sokubhalisa.

Izinhlobo zemikhiqizo credit

Ukubolekwa kubhizinisi amancane naphakathi sehlukaniswe lezi zinhlobo ezilandelayo:

• ukuqondisa;
• umdlalo.

ukubolekisa Afunwayo okusetshenziselwa izinjongo ezithile, okuyinto ebekiwe inkontileka. Ngokwesibonelo, i-ukuthengwa zokwakha. Lapho ukukhokhelwa yenziwe counterparty, izindleko zikhokhelwa waqinisekisa ngokusebenzisa imibhalo. Lokhu kungafaka amakhophi izivumelwano, amadokhumenti lokuthumela.

credits Unearmarked zikhishwa noma iyiphi injongo. Lapho esitholile, iza duty ukhokhe izinkokhelo ezinzile futhi ukubika izindleko iklayenti akadingi. Zenzalo emalini ebolekwe ku-non-target ngokuvamile ephakeme kunaleyo ilitshe.

izinhlelo

Ngamunye uhlelo loan ibhizinisi amancane naphakathi inezici yokubhalisa lalo. Zitholakala ebhange noma ngosizo consultant. Manje lolu hlelo inikeza lamabhange alandelayo:

• Sberbank. Umkhiqizo ibizwa ngokuthi "Ibhizinisi Qala". Kukhona ukuthi kungenzeka yokuthola ukubolekisa ngaphandle eseduze, kodwa kudingeka guarantors, iphuma okokuqala. Izinga kuyinto 17-18%, kanye nenani ruble ayizigidi ezingu-100. Ka-3 million. Isikhathi amakhredithi izinyanga 6-36.
• Rosbank. Ikhishwe laya ezigidini ezingu-40. Ruble for lungene iminyaka 5. Izinga kuyinto 12-16,5%. Udinga ukukhokha ikhomishana yesikhathi esisodwa futhi ahlinzeke njengoba impahla eseduze lenkampani.
• TCB. Yezefundo inikeza ukukhipha ezihlukahlukene izinhlelo zebhizinisi: ukuthuthukisa, obolekisayo oqondile, eqashisa ngamafulethi, kahle. Amanani aqala ku- 15% kanye samba silingana 30 mln. Ruble.
• "VTB 24". IBhange inikeza loan ezikhanyisayo, ibhizinisi mortgage, ukwethulwa kokusebenza. Amanani isukela 9%, kanye nenani ayizinkulungwane 850. Ruble. uboleka isikhathi ilingana izinyanga 120.
• "Alfa-Bank". Ukubolekwa anikezwe kuze iminyaka 3. Umkhawulo kuyinto 6 Mill. Ruble kweminyaka engu-15%. IBhange akudingi ukuhlinzekwa izibambiso. Phakathi kokucubungula isicelo kufanele bakhokhe 2% yenani loan.

Inqubo sokubhalisa Savings Bank

Okokuqala, udinga ukuxhumana yasebhange evuma SME. Baningi abantu ezweni lethu abaphendukela Sberbank. Khona-ke kudingeka babhalise kwentela njengenombolo PI. Kubalulekile ukujwayelana hlelo Franchise, okuyizinto abalingani we Savings Bank. Kuyadingeka ukuba akhethe franchise kwesokudla.

Ngo noHlelo kubalulekile ukwakha ipulani yebhizinisi: ukudala uhlelo lokumaketha, ukucacisa indawo yehhovisi uphinde uxazulule izinkinga ezisele. Okulandelayo, udinga ukuqoqa amadokhumenti credit: iphasipoti, inombolo abakhokhi bentela ukuhlonza, isitifiketi IP business plan. Ngalezi isicelo. Kufanele ukulungiselela amathuluzi (30% zokukhokhwa kwesitalimende sokuqala). Ngemva isinqumo esihle senziwa inkontileka. Sberbank ngokuvamile avumela isicelo, uma iklayenti amkhethile uzakwethu Franchise.

umsebenzi izimali

osomabhizinisi abaningi abaphendukela abolekise Isikhwama SME. Ikhonza njengabameleli guarantors sokubolekwayo ukuqala ibhizinisi. Osomabhizinisi kufanele isicelo loan ebhange, akwazisa kuye isifiso isimo ukusekela inhlangano.

Khona-ke ibhange libona isicelo, ikhumbula zonke imininingwane. Uma isinqumo esihle senziwa sivumelwano ezinyunyana. Ngokuvamile for lula uwukuboleka encane, ibhizinisi naphakathi kuthatha Inani elincane. Ngokusho lokhu umsebenzi scheme, amabhange abaningi, kodwa hhayi bonke.

Izincomo ababoleka

Ekuphetheni incwadi yalokho kuthengiselana kumele ayejwayele isivumelwano, wasukuma izingxabano ezengeziwe. Udinga ngokushesha ukubuza imibuzo ukuze ochwepheshe. Uma ibhizinisi kuyinto inzuzo, kuyancomeka ukuba akhokhe loan ekuseni, njengoba iningi isithakazelo likhona ezinyangeni zokuqala ukukhokhelwa.

Ababoleka imali kufanele inake ezicashile okulandelayo:

1. Lokhu kubolekisa ngemali zikhishwa ngesilinganiso sezingeni eliphezulu kwezinhloso zenzuzo. Ngakho-ke, uma ungenza ngaphandle kwabo, akukuhle ukudweba ukubolekisa ezifana imali. Kodwa uma wenza namanje akusebenzi, kufanele asondele ngokucophelela inqubo ukucutshungulwa loan.
2. Ukuze ibhange ngesinqumo wawumuhle, kubalulekile ukwakha uhlelo lwebhizinisi esiyingqayizivele. понятно, нужны ли средства, и как будет распределяться прибыль. Kusukela kuyoba ngokushesha ecacile ukuthi izimali ezidingekayo, futhi kanjani inzuzo izokwabiwa.
3. Sokuthakazelelwa ungumnikazi ibhizinisi, futhi, ufeza indima ebalulekile. Ngakho-ke kubalulekile ukuba ukuhlinzeka amarekhodi ezimali ukuze wandise amathuba akho loan. Zonke amaphepha kumele kubhalwe ngendlela efanele.
4. IBhange kufanele uhambise business plan, okuzokwenziwa lelipelwe yonke imininingwane yenhlangano ibhizinisi. Uma liyathembisa, ngokuvamile isicelo sivunyiwe.

Uboleka amabhizinisi amancane kanye naphakathi kunengozi enkulu amabhange. Uma sikwenza kungaxegi hamba ayinamali, isikhungo sezimali ungalahlekelwa imali. Ngakho ngokuvamile kudingeka ukuba usinike amadokhumenti ukuba khona impahla, kanye guarantors, co-umboleki. Kuphela uma nekuhambisana kungenzeka ukwamukelwa loan ukuthuthukiswa kwebhizinisi.