Zvikwereti zvikwereti zvikwereti zviduku zvebhizimisi zvinowanzopiwa mari kusvika ku $ 35,000, zvisinei, vamwe vanokweretesa vanobvumira microloans kusvika ku $ 50,000. Ma Microloan anowanzoshandiswa pakutanga-pesa mari asi dzimwe nguva anopiwa kuchangobva kutengeswa mabhizinesi mashoma ekushanda kwemari.
Microloan inogona kushandiswa nekuda kwezvinangwa zvizhinji kusanganisira kutenga zvishandiso, kuongorora, mishonga, kugadziriswa, fani, zvinhu, uye kunyange kutenga rimwe bhizinesi.
Ko SBA Inopa Ma Microloan?
Nha. The Small Business Administration (SBA) haibhadhara mari kumabhizimisi kana vanhu. Zvisinei, SBA ine hurongwa hwakawanda huri mabhizimisi maduku anogona kushanda kune zvikwereti uye mamwe mabhizimusi emabhizimisi. SBA inopa mari kune vamwe vasiri vatsigiri vemunharaunda vanoenda kune mari yekubhadhara mari isingabatsiri. Vaya vanokweretesa vanobva vaita ma microloan kumabhizimisi maduku, kazhinji mukati mavo.
Ndezvipi Zvidimbu Zvemitemo Midiki?
Chero imwe neimwe microlender ichava nezvayo inoda kuti kubhadharwa kwe microloan. Nenzira yakawanda, iyo nguva yakareba yei microloans ndeyemakore matanhatu (6), asi chiyero chekuda uye mari inotarisirwa inokanganisa zvakanyanya pakati pevatori vechikoro.
Vazhinji vemajini vanodikanwa kuti vawane chivimbiso chemunhu mumwechete webhizimisi 'vadzidzisi.
Pane imwe nguva, ma microloan akanga ari nyore kuwana kana achienzaniswa nemabhengi emabhengi emagariro. Zvisinei, nekuderera muhupfumi hweUnited States muna 2008, ma microloan angave akaoma kuwana ikozvino.
Ma Microloan akawanikwa kuburikidza neSBA-backed kana mamwe mapurogiramu akambodzana anowanzodikanwa kuti munhu anenge apedza basa aite zvimwe zvidzidzo zvebhizimisi uye kuronga (izvo zvinopesana) musati mumiriri webhizimisi anogona kutumira chikumbiro che microloan.
Ndingawana kupi SBA-Yakabatana Microlender?
Iwe unogona kuwana SBA-vakaparadzanisa microlenders muUnited States (ikozvino 46 inotaura ine SBA-vakaparadzana microlenders) pamwe chete neRuwa rweColumbia nePuerto Rico.
Iwe unogona kuwana rwandu rwevashandi vemuhurumende yako munharaunda yeSBA website.
Pane Kune Vamwe Vashandi Vasingashamwaridzani NeSBA Iyo Inoita Microloans?
Ehe. Heino nzvimbo shomanana kuti uongorore:
- Kiva - A webhusaiti iyo inobatsira munhu-ku-munhu microloan kumabhizimisi mune dzimwe nyika. Kiva inokubvumira kubhadhara mari shoma se $ 25 kubatsira vanhu vanotanga mabhizimisi maduku kune dzimwe nyika. Kusvika iye zvino, vaKiva vanopa mari vakapa mari inodarika madhora 7.7 emadhora emabhizimisi maduku munyika yose (kubva munaOctober 2015).
- Mikana Shamba - microlender isina hupfumi inopa zvikwereti zvakasiyana-siyana zvemakiriniki uye zvikwereti zviduku zvebhizimisi zvinogona kushandiswa kumashandiro ekushanda, zvigadzirwa zvekushandisa, kugadzirisa, uye zvimwe zvekusimudzira kwebhizimisi.
- Accion USA - Kwemabhizimisi aripo, Accion zvikwereti zvinobva pa $ 500 kusvika ku $ 50,000. Izvo zvikwereti zvinowanzopiwa kushandiswa kwezvinhu zvakadai sekushanda kwemari, kubhadhara mari, kutengesa motokari, kuongorora mabhuku, kushandiswa kwemichina, kugadzirisa nzvimbo, uye kutengesa.
Masangano ekusimudzira hupfumi emunharaunda anoitawo ma microloan kune nharaunda dzemunharaunda. Dana nharaunda yako yemunharaunda kana kamuri yekutengeserana uye ukumbira ruzivo pamusoro pevanhu vanogara munzvimbo yako.
Heano mamwe mashoma mashoma ekukubatsira kuti utange:
- 20 Mitsara yemari mikuru yekutanga Bhizinesi muCanada
- 10 Microloan for Business Women
- Tsanangudzo uye Mienzaniso ye Microlending
Izvo Zvakaoma Kukwanisa Kubhadharwa Nemhepo Yakakosha Here?
Iwe unokwanisa kukodzera chikwereti chero chipi zvacho chinoenderana nemamiriro ako ega ezvemari uye kukwereta kwekwereti uye zvinodiwa nemunhu mumwe nomumwe wevanokweretesa vakasiyana. Zvisinei, kune zvimwe zvinhu zvaunogona kuita kuti uvandudze mikana yako yekubvumirwa kune chikwereti chebhizimisi.
Kana urikukumbira chero rudzi rwemari yebhizimisi rine bhizimisi rebhizimisi rekuronga.
Iva akagadzirira kubvunzwa pamusoro pezviitiko zvako mune bhizinesi uye iwe unokwanisa kutanga uye kumhanya bhizinesi rakabudirira. Iwe unogona kubvunzwa pamusoro pehutano hwako, unyanzvi hunokosha, uye ruzivo rwezvemhizha uye zvikwangwani zvinogona kubatsira kusimbisa kune chikwereti iwe unoziva zvauri kuita.
Iwe unofanirwawo kuva wakagadzirira kuratidza izvo zvawave uzviisa mubhizimisi pachako. Vatengesi vanogona kutenda zvakanyanya mubhizinesi renyu rebhizimisi kana iwe watozviratidza chido chokupira kuti zviroto zvako zvizadzike.
Uya nemari yemari newe iwe kune chikwereti kusanganisira bhajeti, bhadharo, uye chero mamwe magwaro aunofanira kuratidzira kushanda kwekare uye zvinhu zvino.
Ndinokwanisa Kushandisa Microloan Kune Chero Chinangwa Chebhizimisi Here?
Nha. Vanokweretesa vachada kuziva chaizvo zvamunoronga kuita nechokukweretesa uye kazhinji vanoisa mitemo pane zvamungashandisa mari yacho. Iva nechokwadi chekubvunza chero mibvunzo yaunogona kuva nayo pamusoro pezvaungagona kukwereta mari uye kuti unogona kubhadhara mari yakawanda sei usati waisa shanduro chaiyo.
Ratidza kuti waita basa rako rechikoro uye kuti unogona kuvimbwa uye unogona kungotora chikwereti chaunoda kutanga bhizinesi rezviroto zvako.