Idasinthidwa Komaliza pa Novembala 8, 2020
Tsambali limapereka zambiri zamomwe mungapezere ngongole za SBA. Apa, muphunzitsidwa zomwe ngongole za SBA zili, momwe mungazipezere, zofunikira kuti mupeze ngongole za SBA, momwe mungalembetsere, ndi zina zonse zofunika zomwe mungafune kudziwa za ngongole za SBA. Chonde khalani tcheru.
M'ndandanda wazopezekamo
Kodi Ngongole ya SBA Ndi Chiyani?
Ngongole ya SBA ndi ngongole yabizinesi yaying'ono yomwe imatsimikiziridwa ndi boma (Bungwe la Small Business Administration) ndipo imaperekedwa ndi wobwereketsa wovomerezeka wa SBA.
Ngongole zotsimikizika za SBA zimapangidwa ndi obwereketsa apadera ndipo zimatsimikiziridwa mpaka 80 peresenti ndi SBA, zomwe zimathandiza kuchepetsa chiopsezo kwa obwereketsa ndikupangitsa kuti zikhale zosavuta kuti apeze ndalama. Izi zimapangitsa kuti mabizinesi ang'onoang'ono azitha kupeza ngongole mosavuta.
Mitundu Yosiyanasiyana ya Ngongole za SBA
SBA imapereka mitundu yosiyanasiyana ya ngongole zamabizinesi, ndipo ndi iti yomwe mungalembe zimadalira mtundu wabizinesi yomwe mukuyendetsa. Nawa chidule cha mapulogalamu ena otchuka a ngongole ya SBA
1. 7(a) Ngongole
Ngongole ya 7(a) ndiye pulogalamu ya SBA yodziwika bwino komanso yosinthika kwa oyambitsa ndi mabizinesi ang'onoang'ono. Ngongoleyi itha kugwiritsidwa ntchito pazifukwa zosiyanasiyana, kuphatikiza kugula zida, malo, kapenanso kubweza ngongole.
Ngongolezi zimapezeka mpaka $5 miliyoni, mpaka zaka zisanu ndi ziwiri pangongole zazikulu zogwirira ntchito komanso zaka 25 pa ngongole zamalonda. Obwereketsa ayenera kukhala ndi ngongole yochepera 680 ndi kubweza osachepera 10 peresenti.
Pali ngongole zosiyanasiyana zomwe zimagwera pansi pa ambulera ya 7 (a) ngongole. Mwachitsanzo, ngongole za SBA Express ndi pulogalamu yaying'ono mkati mwa 7(a) pulogalamu ya ngongole. Ngongolezi zimatsimikiziridwa pang'ono ndi SBA ndipo zimabwera ndi zisankho zofulumira. Chitsimikizo chachikulu cha SBA ndi 85 peresenti ya ngongole mpaka $ 150,000 ndi 75 peresenti ya ngongole zoposa $ 150,000.
Pa ngongole za Express, mudzalembetsa kudzera mwa wobwereketsa wovomerezedwa ndi SBA ndipo nthawi zambiri mumalandira chigamulo cha ngongole mkati mwa maola 24 mpaka 36. Zolemba pa ngongole zachikhalidwe 7(a) zitha kutenga masiku 10 kuti amalize. Mitengo yamakono ya ngongole za 7 (a) ndi 5.50% - 9.75%.
2. 504 Ngongole
Ngongole za 504 zilipo kwa mabizinesi omwe akufuna kugula malo, makina, kapena zida kuti akulitse bizinesi yawo yamakono. Ngongolezi zimapezeka mosiyanasiyana mpaka $20 miliyoni, ndipo nthawi zobweza zimakhala zaka 25.
Wobwereketsa wachinsinsi yemwe mumagwiritsa ntchito adzalipira mpaka 50 peresenti ya ngongoleyo, ndipo Certified Development Company-bungwe lopanda phindu lovomerezedwa ndi SBA kuti likupatseni ngongole 504 - lilipira 40 peresenti. Wobwereka akuyenera kubweza 10 peresenti yotsalayo.
Obwereketsa ayenera kukhala ndi mbiri yolimba yangongole kuti ayenerere, ndipo malowo ayenera kukhala osachepera 51 peresenti yokhala ndi eni ake. Chuma cha bizinesi sichingapitilire $15 miliyoni.
3. CAPlines
Pulogalamu ya CAPLines imapereka ngongole zothandizira mabizinesi ang'onoang'ono kukwaniritsa zosowa zawo zogwirira ntchito. Ngongole zinayi za SBA zimagwera pansi pa pulogalamuyi, komanso mzere wangongole.
Ngongole yamtunduwu ndi yabwino kwa mabizinesi omwe amafunikira njira yobwereketsa yangongole kuti akwaniritse zomwe akuwononga nthawi zonse. Obwereketsa atha kulandira ngongole ya CAPLines kuwonjezera pa ngongole 7 (a) kapena ngongole 504.
YAM'MBUYO YOTSATIRA: Momwe Mungapezere Ngongole za FHA (Kuyenerera, Zofunikira ndi Njira Yofunsira)
Obwereketsa atha kulandira mpaka $5 miliyoni ndikubweza kwazaka zisanu mpaka 10. Zofunikira ndizofanana ndi za ngongole 7 (a).
4. Ngongole Zogulitsa kunja
Ngongole zotumiza kunja zidapangidwa kuti zithandizire mabizinesi ang'onoang'ono kukulitsa ntchito zawo zotumizira kunja ndikulowa m'misika yakunja. Ngongolezi ndi zabwino kwamakampani omwe amachita bizinesi yapadziko lonse lapansi.
Ngongolezo zili pakati pa $500,000 ndi $5 miliyoni, kutengera cholinga cha ngongoleyo komanso zovuta zanthawi. Kuti muyenerere, muyenera kutenga nawo mbali potumiza katundu kumayiko akunja.
5. Ma Microloans
Ma Microloans atha kukhala abwino kwa mabizinesi ang'onoang'ono komanso malo osamalira ana osapindula omwe ali ndi zosowa zochepa zogwirira ntchito. Ngongole yaying'ono imatha kugwiritsidwa ntchito ngati ndalama zogwirira ntchito, kugula zinthu, ndikugula mipando kapena zida.
Ngongolezi zimayendetsedwa kudzera m'mabungwe osachita phindu omwe avomerezedwa ndi SBA. Mosiyana ndi ngongole zina, SBA siyimatsimikizira ma microloans.
Ma Microloan amapezeka mpaka $50,000 ndi zaka zisanu ndi chimodzi zobweza. Kuti muyenerere, mufunika ngongole yochepera 640.
6. Ngongole Zangozi
SBA imapereka ngongole zatsoka pakagwa masoka achilengedwe kapena azachuma, monga mliri wa coronavirus. Ngongolezi ndi zamakampani omwe angawonetse kuti akhudzidwa ndi tsoka.
Ngongole zangozi zimapezeka mpaka $2 miliyoni ndikubweza mpaka zaka 30. Zitha kugwiritsidwa ntchito ngati ndalama zogwirira ntchito, zolipirira tsiku ndi tsiku, komanso kubweza katundu wowonongeka.
Ubwino wa Ngongole Zotsimikizika za SBA
Monga mwini bizinesi yaying'ono, mwina munaganizirapo zofunsira ngongole kudzera ku US Small Business Administration (SBA). Ndipo pazifukwa zabwino, chifukwa pali zabwino zambiri zopezera ngongole ya SBA.
Ngongole za SBA zimapereka chiwongola dzanja chopikisana komanso nthawi yobweza yosinthika, ndipo palibe chikole chofunikira pa ngongole zina. Ndipo mukayenerera kubwereketsa ngongole, mukhoza kupeza zinthu zamtengo wapatali zimene zingakuthandizeni kugwiritsa ntchito bwino ndalama zanu.
Momwe Mungapezere Ngongole za SBA: Kuyenerera, Zofunikira ndi Njira Yogwiritsira Ntchito
Ndikofunikira kwambiri kuposa kale kuti mabizinesi ang'onoang'ono athe kupeza ngongole za SBA. Koma ngongolezi zimakhala zovuta kwambiri kuti muyenerere, choncho muyenera kudziwa njira zoyenera zomwe mungachite kuti ntchitoyi ikhale yosavuta. M'munsimu muli njira zomwe mungatenge musanapemphe ngongole ya SBA.
Yang'anani Kuyenerera Kwanu
Musanayambe ntchito yofunsira, mudzafuna kuwonetsetsa kuti bizinesi yanu ndiyoyenera kulandira ngongole ya SBA. Yang'anani kuti muwonetsetse kuti mwakwaniritsa tanthauzo la SBA la bizinesi yaying'ono, yomwe imatha kusiyanasiyana kutengera bizinesiyo. Zina mwazofunikira ndi izi;
- Bizinesiyo idalembetsedwa mwalamulo ndipo imagwira ntchito movomerezeka.
- Bizinesiyi imapezeka ndipo imagwira ntchito ku US kapena madera ake.
- Khalani ndi ndalama zogulira ndalama
- Mwiniwake wabizinesi wayika nthawi kapena ndalama zawo mubizinesi.
Komanso, yang'anani ngongole yanu kuti muwonetsetse kuti muli ndi mbiri yabwino. Kumbukirani, ngati simunapemphepo ngongole yabizinesi kale, ndiye kuti simukuyenera kubwereketsa ngongole ya SBA. SBA ikuyenera kuwona kuti simunalembetse bwino ndalama kuchokera kwa obwereketsa ena.
Sonkhanitsani mapepala anu
Chimodzi mwazinthu zowononga nthawi kwambiri pakufunsira ngongole ya SBA ndi zolemba zonse zomwe zimafunikira. Tengani nthawi yosonkhanitsa zonse zomwe mukufuna musanakumane ndi omwe angabwereke.
- Osachepera, mufunika kutumiza zolemba zotsatirazi:
- Ndondomeko yazambiri yabizinesi
- Ndemanga zanu zachuma ndi zamalonda
- Misonkho yanu yaumwini ndi yabizinesi kuyambira zaka ziwiri zapitazi
- Mbiri yonse yazachuma yabizinesi yanu
- Zolemba za kuphatikiza
- Malayisensi a bizinesi
- Mukuyambiranso
- Malingaliro azandalama kuti mupange mlandu wa momwe mungabwezere ngongoleyo
Pa nthawi yokonzekera, zingakhale zothandiza kufunafuna uphungu kwa munthu wodziwa bwino kukonzekera phukusi la ngongole ya SBA. SCORE, Malo Small Business Development, ndi CPAs ndi malo abwino kuyamba.
Sankhani Wobwereketsa wa SBA
Tsopano ndi nthawi yoti musankhe banki kapena wobwereketsa yemwe amagwira ntchito ndi SBA. Obwereketsa ambiri adzapereka ngongole 7(a); mutha kupeza mndandanda waboma ndi boma patsamba la SBA.
Ndibwino kulumikizana ndi obwereketsa angapo ndipo, ngati kuli kotheka, yesani kupeza kulumikizana kwanu kubankiyo. Mukakumana ndi obwereketsa, ndikofunikira kuvala mwaukadaulo ndikubweretsa makope a mapulani anu abizinesi ndi momwe mukuwonera zachuma.
Cholinga cha msonkhanowu ndikuthandiza wobwereketsayo kukhala womasuka kuchita bizinesi nanu. Mukufuna kuwawonetsa kuti muli ndi ndondomeko yomwe muli nayo komanso malingaliro amphamvu azachuma kuti muwathandize.
Imodzi mwa njira zabwino kwambiri zosonyezera kuti ndinu wotsimikiza mtima ndiyo kutsitsa mtundu wina wa chikole. Obwereketsa akufuna kuwona kuti muli ndi khungu pamasewera, ndipo chikole ndiye njira yabwino yosonyezera izi.
Lembani Ntchito Yanu
Mukapereka zonse zofunika ndipo wobwereketsa wanu wakhutitsidwa, adzakupatsani phukusi la ngongole ya SBA. Mudzadzaza mafomu ofunikira ndikutumiza zinthu zanu ku SBA.
Mukalembetsa, mudzalandira kalata yotsimikizira (LOI) kuchokera kwa wobwereketsa wanu. LOI ikufotokozerani zomwe mungayembekezere, magwiritsidwe, ndi ndalama zomwe mukuyenera kulandira.
Mukasaina ndikubweza LOI, ntchito yolembera iyamba. Zitha kutenga milungu ingapo kuti mulembetse kuti muwunikenso mafomu anu a ngongole zamitundu ina, ndipo mutha kulumikizidwa kuti mupereke zambiri.
Mukadutsa njira yolembera, mudzalandira kalata yodzipereka yokhala ndi zambiri za ngongole yanu. Mukangovomereza zigwirizanozo, ikhala nthawi yotseka ngongole yanu.
Tikukhulupirira kuti mupeza izi kukhala zothandiza. Kodi muli ndi mafunso okhudza momwe mungapezere ngongole za SBA? Chonde khalani omasuka kutidziwitsa kuti tikuthandizeni ndi chidziwitso chilichonse chomwe mungafune.
Chonde, musazengereze kugawana ndi anzanu, ogwira nawo ntchito komanso achibale omwe mukudziwa kuti angafunike chidziwitso chamtunduwu. Zikomo chifukwa chosamala komanso kukhala ndi zabwino m'tsogolo!