Yakagadziridzwa Kuwedzeredzwa munaNovember 8, 2020
Iri peji rinopa ruzivo rwakadzama rwekuti ungawana sei zvikwereti zveSBA. Pano, iwe uchafambiswa kuburikidza nezviri zvikwereti zveSBA, kuti ungazviwana sei, zvinodiwa kuti uwane zvikwereti zveSBA, maitiro ekunyorera, uye rumwe ruzivo rwese rwakakosha rwaungade kuziva nezveSBA zvikwereti. Ndapota ramba wakatarisa.
Zviri Mukati
Chii Chikwereti cheSBA?
Chikwereti cheSBA chikwereti chidiki chebhizinesi chinovimbiswa nehurumende (iyo Small Business Administration) uye chakapihwa nemukweretesi anotenderwa neSBA.
Zvikwereti zvakavimbiswa neSBA zvinogadzirwa nevanokweretesa vega uye zvinovimbiswa kusvika 80 muzana neSBA, izvo zvinobatsira kuderedza njodzi kune vanokweretesa uye zvinoita kuti zvive nyore kwavari kuwana mari. Izvi zvinoita kuti zvive nyore kumabhizinesi madiki kuwana zvikwereti.
Iwo Akasiyana Marudzi eSBA Zvikwereti
Iyo SBA inopa marudzi akasiyana ezvikwereti zvebhizinesi, uye ndeipi yaunonyorera inoenderana nerudzi rwebhizinesi rauri kuita. Heino rondedzero yemamwe akakurumbira SBA echikwereti zvirongwa
1. 7(a) Zvikwereti
Iyo 7(a) chikwereti ndiyo chirongwa cheSBA chinonyanya kufarirwa uye chinochinjika chechikwereti chekutanga uye mabhizinesi madiki. Chikwereti ichi chinogona kushandiswa kune zvakasiyana siyana, zvinosanganisira kutenga michina, real estate, kana kunyange chikwereti refinancing.
Zvikwereti izvi zvinowanikwa kusvika kumadhora 5 miriyoni, kweanosvika makore manomwe pakushanda mari yechikwereti uye makore makumi maviri nemashanu pazvikwereti zvekutengesa zvivakwa. Vanokwereta vanofanira kunge vaine kiredhiti kiredhiti ye25 uye kubhadhara kweinenge gumi muzana.
Kune zvikwereti zvakasiyana-siyana zvinowira pasi peamburera ye7 (a) zvikwereti. Semuenzaniso, SBA Express zvikwereti chirongwa chidiki mukati meiyo 7 (a) chirongwa chechikwereti. Zvikwereti izvi zvakare zvakavimbiswa zvishoma neSBA uye zvinouya nezvisarudzo zvechikwereti zvinokurumidza. Iyo yakanyanya SBA vimbiso ndeye 85 muzana yezvikwereti zvinosvika $150,000 uye 75 muzana yezvikwereti zvinopfuura $150,000.
Kune zvikwereti zve Express, unonyorera kuburikidza nemukweretesi akatenderwa neSBA uye kazhinji unogashira sarudzo yechikwereti mukati memaawa makumi maviri nemana kusvika makumi matatu nematanhatu. Iyo yepasi pechinyakare 24(a) zvikwereti inogona kutora anosvika mazuva gumi kuti apedze. Ikozvino mitengo ye36 (a) zvikwereti ndeye 7% - 10%.
2. 504 Zvikwereti
504 zvikwereti zviripo kumabhizinesi anoda kutenga zvivakwa, michina, kana michina yekuwedzera mabhizinesi avo azvino. Zvikwereti izvi zvinowanikwa mumari dzakasiyana-siyana kusvika kumadhora makumi maviri emamiriyoni, uye mazwi ekubhadhara anosvika makore makumi maviri nemashanu.
Mukweretesi akazvimiririra waunoshandisa achavhara kusvika pamakumi mashanu muzana emari yechikwereti, uye Certified Development Company-sangano risingabatsiri rakasimbiswa neSBA kupa 50 zvikwereti-richavhara makumi mana muzana. Mukwereti anofanira kukwanisa kuvhara chikamu chegumi chasara mukuenzanisa.
Vanokwereta vanofanirwa kuve nenhoroondo yakasimba yechikwereti kuti vakwanise, uye zvivakwa zvinofanirwa kunge zviine 51 muzana varidzi-vanogarwa. Hwaro hwebhizinesi hahugone kudarika $15 miriyoni.
3. CAPLines
Chirongwa cheCAPLines chinopa zvikwereti kubatsira mabhizinesi madiki kusangana nezvinodiwa nemari yekushanda. Zvikwereti zvina zvakasiyana zveSBA zvinowira pasi pechirongwa ichi, pamwe nemutsetse wechikwereti.
Rudzi urwu rwechikwereti rwakanakira mabhizinesi anoda mutsara unotenderera wechikwereti kuti asangane nemari inoenderera. Vanokwereta vanogona kugamuchira chikwereti cheCAPLines kuwedzera kune 7 (a) chikwereti kana 504 zvikwereti.
RELATED: Maitiro Ekuwana Zvikwereti zveFHA (Kukodzera, Zvinodiwa uye Maitiro Ekushandisa)
Vanokwereta vanogona kuwana mari inosvika 5 miriyoni neshanu- kusvika kugumi-makore ekubhadhara temu. Zvinodiwa zvakafanana neaya e10(a) chikwereti.
4. Export Zvikwereti
Zvikwereti zvekunze zvakagadzirirwa kubatsira mabhizinesi madiki kuwedzera mabasa avo ekutengesa kunze uye kupinda mumisika yekunze. Izvi zvikwereti zvakanakira makambani anogara achiita bhizinesi repasi rose.
Zvikwereti izvi zviri pakati pemazana mashanu ezviuru nemazana mashanu emadhora, zvichienderana nechinangwa chechikwereti uye zvimhingamipinyi zvenguva. Kuti ukwanise, unofanirwa kuve nechekuita mukutumira zvinhu kune dzimwe nyika.
5. Microloans
Microloans inogona kunge yakanakira mabhizinesi madiki nenzvimbo dzekuchengeta vana dzisingabatsiri dzine mari shoma yekushanda. Microloan inogona kushandiswa pakushanda mari, kutenga hesera, nekutenga fenicha kana michina.
Zvikwereti izvi zvinopihwa kuburikidza nemasangano asingabatsiri akatenderwa neSBA. Kusiyana nezvimwe zvikwereti, SBA haivimbisi mamicroloans.
Microloans inowanikwa kusvika kumadhora makumi mashanu nemakumi mashanu nematemu ekubhadhara emakore matanhatu. Kuti ukwanise, iwe unozoda shoma kiredhiti mamakisi e50,000.
6. Zvikwereti zveNjodzi
Iyo SBA inopa zvikwereti zvenjodzi kune njodzi dzinongoitika dzoga kana dzehupfumi, senge denda re coronavirus. Zvikwereti izvi ndezvemakambani anogona kuratidza kuti akanganiswa nenjodzi.
Zvikwereti zvenjodzi zvinowanikwa kusvika kumadhora 2 miriyoni nemari yekubhadhara inosvika makore makumi matatu. Inogona kushandiswa pakushanda mari, mari yekushandisa zuva nezuva, uye kutsiva midziyo yakakuvadzwa.
Benefits dzeSBA-guaranteed Loans
Semuridzi webhizinesi diki, unogona kunge wakafunga kunyorera chikwereti kuburikidza neUS Diki Bhizinesi Administration (SBA). Uye nechikonzero chakanaka, nekuti kune akawanda mabhenefiti ekutora chikwereti cheSBA.
Zvikwereti zveSBA zvinopa makwikwi emubereko uye nguva yekubhadhara inochinjika, uye hapana chibatiso chinodiwa kune zvimwe zvikwereti. Uye paunokodzera kukweretwa, unogona kuwana mukana wekuwana zviwanikwa zvakakosha zvinogona kukubatsira kushandisa mari yako zvakanaka.
Maitiro ekuwana SBA Zvikwereti: Kukodzera, Zvinodiwa uye Maitiro Ekushandisa
Zvinonyanya kukosha kupfuura nakare kose kuti mabhizinesi madiki awane zvikwereti zveSBA. Asi zvikwereti izvi zvakanyanya kunetsa kuti ukwanise, saka unofanirwa kuziva matanho akakodzera ekutora anozoita kuti hurongwa huve nyore. Akanyorwa pazasi ndiwo matanho aungatora usati uye mushure mekunyorera chikwereti cheSBA.
Tarisa Kukodzera Kwako
Usati watanga maitiro ekunyorera, iwe unozoda kuve nechokwadi chekuti bhizinesi rako rakakodzera kuwana chikwereti cheSBA. Tarisa kuti uone kuti unosangana netsanangudzo yeSBA yebhizinesi diki, iro rinogona kusiyana zvichienderana neindasitiri. Zvimwe zvezvinodiwa zvinosanganisira;
- Bhizinesi rakanyoreswa zviri pamutemo uye rinoshanda zviri pamutemo.
- Bhizinesi riripo uye rinoshanda muUS kana matunhu ayo.
- Ive ne invested equity
- Muridzi webhizinesi akaisa yavo nguva kana mari mubhizinesi.
Zvakare, tarisa chikwereti chako kuti uve nechokwadi chekuti wakamira zvakanaka. Ramba uchifunga, kana usati wambonyorera chikwereti chebhizinesi kare, saka haukodzeri kuwana chikwereti cheSBA. Iyo SBA inoda kuona kuti hauna kubudirira kunyorera mari kubva kune vamwe vanokweretesa.
Unganidza mapepa ako
Chimwe chezvinhu zvinotora nguva zvakanyanya pakunyorera chikwereti cheSBA ndiwo ese mapepa anodiwa. Tora nguva yekuisa pamwechete zvese zvaunoda usati wasvika kune vanogona kukweretesa.
- Zvirinani, iwe unozofanirwa kuendesa anotevera magwaro:
- Chirongwa chebhizinesi chakadzama
- Zvako pachako uye zvebhizinesi zvitatidzo zvemari
- Wako wega uye webhizinesi mutero unodzoka kubva kumakore maviri apfuura
- Nhoroondo yezvemari yebhizimisi rako
- Zvinyorwa zvekubatanidzwa
- Marezinesi ebhizinesi
- tangazve Your
- Mafungiro emari ekuita nyaya yekuti unozokwanisa sei kubhadhara chikwereti
Munguva yekugadzirira, zvinogona kubatsira kutsvaga mazano kubva kune mumwe munhu ane ruzivo mukugadzirira SBA chikwereti mapakeji. SCORE, Small Business Development Centers, uye CPAs inzvimbo yakanaka kutanga.
Sarudza SBA Mukweretesi
Iye zvino yave nguva yekusarudza bhangi kana mukweretesi anoshanda neSBA. Vazhinji vanokweretesa vanozopa 7(a) zvikwereti; unogona kuwana nyika-ne-nyika runyorwa pawebhusaiti yeSBA.
Ipfungwa yakanaka kubata vakawanda vanokweretesa uye, kana zvichibvira, edza kutsvaga chinongedzo chako pabhangi iroro. Paunosangana nevakweretesi, zvakakosha kuti upfeke zvehunyanzvi uye uuye nemakopi ehurongwa hwebhizinesi rako uye fungidziro yemari.
Chinangwa chemusangano uyu ndechekubatsira mukweretesi kuti anzwe akasununguka kuita bhizinesi newe. Iwe unoda kuvaratidza kuti une chirongwa chiri munzvimbo uye yakasimba fungidziro yemari yekuitsigira.
Imwe yenzira dzakanakisa dzekuratidza kuti uri kurevesa ndeyekuisa pasi imwe mhando yekubatisa. Vanokweretesa vanoda kuona kuti une ganda mumutambo, uye chibatiso ndiyo nzira yakanakisa yekuratidza izvi.
Zadza Chikumbiro Chako
Kana wangopa ruzivo rwese rwunodiwa uye mukweretesi wako agutsikana, zvinokupa SBA chikwereti package. Iwe unozadza mafomu anodiwa uye woendesa zvinhu zvako kuSBA.
Mushure mekunyorera, unogashira tsamba yechinangwa (LOI) kubva kune wako mukweretesi. Iyo LOI inotsanangura zvaunogona kuita mareti, mazwi, uye kuti imarii yaunokodzera kugamuchira.
Kana ukangosaina nekudzorera LOI, maitiro ekunyora pasi achatanga. Zvinogona kutora mavhiki akati wandei kunyora pasi kuti uongorore chikumbiro chako chemamwe marudzi ezvikwereti, uye unogona kufonerwa kuti upe rumwe ruzivo.
Paunenge wapfuura maitiro ekunyora pasi, iwe unogashira tsamba yekuzvipira ine rumwe ruzivo nezve chikwereti chako. Kana wangobvuma zvirevo, ichave nguva yekuvhara pachikwereti chako.
Tinovimba uchawana izvi zvinobatsira. Iwe une chero mibvunzo yekuti ungawana sei zvikwereti zveSBA? Ndapota inzwa wakasununguka kutizivisa kuti tigone kukubatsira neruzivo rwaungade.
Ndokumbira usazeze kuigovana neshamwari, vaunoshanda navo uye hama dzaunoziva dzinogona kunge dziri kuda ruzivo urwu. Ndatenda nekuchengeta uye uve neyakanaka pamberi!