Igqityelwe ukuvuselelwa ngoNovemba 8, 2020
Eli phepha libonelela ngolwazi oluneenkcukacha malunga nendlela yokufikelela kwiimali-mboleko ze-SBA. Apha, uya kuhanjwa kuzo zonke iimali-mboleko ze-SBA, zifumaneka njani, iimfuno zokufikelela kwimali-mboleko ye-SBA, inkqubo yokufaka isicelo, kunye nalo lonke olunye ulwazi olubalulekileyo onokufuna ukulazi malunga nemali-mboleko ye-SBA. Nceda uhlale ubukele.
Isiqulatho
Yintoni Imali-mboleko ye-SBA?
Imali-mboleko ye-SBA yimali mboleko yamashishini amancinci aqinisekiswe ngurhulumente (uLawulo lwamaShishini amaNcinci) kwaye ikhutshwe ngumbolekisi ovunyiweyo we-SBA.
Iimali-mboleko eziqinisekisiweyo ze-SBA zenziwa ngababolekisi babucala kwaye ziqinisekiswa ukuya kuthi ga kwi-80 yepesenti yi-SBA, enceda ukunciphisa umngcipheko kubabolekisi kwaye yenza kube lula kubo ukufikelela kwi-capital. Loo nto yenza kube lula kumashishini amancinci ukuba afumane imali-mboleko.
Iindidi ezahlukeneyo zeeMali-mboleko ze-SBA
I-SBA ibonelela ngeendidi ezahlukeneyo zeemali mboleko zeshishini, kwaye leliphi ofaka isicelo kulo liya kuxhomekeka kuhlobo lweshishini oliqhubayo. Nalu uluhlu lweenkqubo zemali mboleko ye-SBA edumileyo
1. 7(a) Imali-mboleko
I-7(a) yemali mboleko yeyona nkqubo ye-SBA idumileyo neguquguqukayo yemali mboleko yabaqalayo kunye namashishini amancinci. Le mali-mboleko inokusetyenziselwa iinjongo ezahlukeneyo, kubandakanya ukuthenga izixhobo, izindlu nomhlaba, okanye ukuhlawulela amatyala.
Ezi mboleko ziyafumaneka ukuya kuthi ga kwi-5 yezigidi zeerandi, ukuya kuthi ga kwiminyaka esixhenxe kwimali-mboleko eyinkunzi yokusebenza kunye neminyaka engama-25 kwimali-mboleko yezindlu ezithengiswayo. Ababoleki kufuneka babe namanqaku etyala asezantsi angama-680 kunye nentlawulo ephantsi ye-10 yepesenti ubuncinane.
Kukho iindidi zeemali-mboleko eziwela phantsi kwesambulela se-7 (a) mboleko. Umzekelo, imali-mboleko ye-SBA Express yinkqubo engaphantsi kwe-7(a) yenkqubo yemali-mboleko. Ezi mboleko zikwaqinisekiswa ngokuyinxenye yi-SBA kwaye ziza nezigqibo zetyala ezikhawulezileyo. Esona siqinisekiso siphezulu se-SBA yi-85 yepesenti yeemali-mboleko ukuya kuthi ga kwi-150,000 yeedola kunye ne-75 yepesenti yeemali-mboleko ezingaphezu kwe-150,000 yeedola.
Kwimali-mboleko ye-Express, uya kufaka isicelo kumbolekisi ovunywe yi-SBA kwaye ufumana isigqibo setyala kwiiyure ezingama-24 ukuya kwezingama-36. Ukubhalwa phantsi kweemali-mboleko zemveli 7(a) kunokuthatha ukuya kutsho kwiintsuku ezili-10 ukugqiba. Amaxabiso akhoyo ngoku kwi-7(a) mboleko yi-5.50% - 9.75%.
2. 504 Imali-mboleko
Iimali-mboleko ezingama-504 ziyafumaneka kumashishini afuna ukuthenga umhlaba, oomatshini, okanye izixhobo zokwandisa imisebenzi yabo yangoku. Ezi mali-mboleko zifumaneka ngezixa-mali ezahlukeneyo ukuya kuthi ga kwi-20 yezigidi zeerandi, kwaye imiqathango yokuhlawula ifikelela kwiminyaka engama-25.
Umbolekisi wabucala oyisebenzisayo uya kuhlawulela ukuya kutsho kuma-50 epesenti yesixa-mali semali-mboleko, kwaye iNkampani yoPhuhliso eQinisekisiweyo-umbutho ongenzi nzuzo oqinisekiswe yi-SBA ukuba ibonelele ngeemali-mboleko ezingama-504-iya kuhlawulela ama-40 epesenti. Lowo ubolekayo kufuneka abe nako ukugubungela i-10 lepesenti eseleyo kwi-equity.
Ababoleki kufuneka babe nembali yetyala eyomeleleyo ukuze bafaneleke, kwaye umhlaba othengiswayo kufuneka ubuncinci ube ngama-51 epesenti enomnini. Ixabiso leshishini alinakugqitha kwi-15 yezigidi zeedola.
3. IiCAPLines
Inkqubo yeCAPLines ibonelela ngeemali-mboleko ukunceda amashishini amancinci ahlangabezane neemfuno zawo zenkunzi yokusebenza. Iimali-mboleko ezine ezahlukeneyo ze-SBA ziwela phantsi kwale nkqubo, kunye nomgca wetyala.
Olu hlobo lwemboleko lufanelekile kumashishini adinga umgca ojikelezayo wekhredithi ukuhlangabezana neendleko eziqhubekayo. Ababoleki banokufumana imali-mboleko yeCAPLines ukongeza kwi-7 (a) mboleko okanye 504 mboleko.
ZIQHELEKILEYO: Ukufikelela njani kwiMali-mboleko ye-FHA (Ukufaneleka, iiMfuno kunye neNkqubo yokuFaka isicelo)
Ababoleki banokufumana ukuya kuthi ga kwi-5 yezigidi zeedola kunye nexesha lokuhlawula leminyaka emihlanu ukuya kweli-10. Iimfuno ziyafana nezo ze-7(a) mboleko.
4. Imali-mboleko yokuthumela ngaphandle
Iimali-mboleko ezithunyelwa kumazwe angaphandle ziyilelwe ukunceda amashishini amancinci andise imisebenzi yawo yokuthumela ngaphandle kwaye angene kwiimarike zangaphandle. Ezi mboleko zifanelekile kwiinkampani ezihlala zibandakanyeka kushishino lwamazwe ngamazwe.
Imali-mboleko iphakathi kwe-500,000 yeedola kunye ne-5 yezigidi zeedola, kuxhomekeke kwinjongo yemali mboleko kunye nemiqobo yexesha. Ukuze ufaneleke, kufuneka ubandakanyeke ekuthumeleni impahla kumazwe angaphandle.
5. Iimali-mboleko
Iimali-mboleko ezincinci zinokuba zilungele amashishini amancinci kunye namaziko ononophelo lwabantwana angenzi ngeniso aneemfuno zenkunzi ephantsi yokusebenza. I-microloan ingasetyenziselwa imali yokusebenza, ukuthenga uluhlu, nokuthenga ifenitshala okanye izixhobo.
Ezi mali-mboleko zilawulwa ngemibutho engenzi nzuzo evunywe yi-SBA. Ngokungafaniyo nezinye iimali-mboleko, i-SBA ayiqinisekisi iimali-mboleko ezincinci.
Iimali-mboleko ezincinci ziyafumaneka ukuya kuthi ga kwi-50,000 yeedola kunye nemiqathango yentlawulo yeminyaka emithandathu. Ukuze ufaneleke, uya kufuna awona manqaku asezantsi etyala angama-640.
6. Imali-mboleko yeNtlekele
I-SBA ikhupha imali mboleko yentlekele yendalo okanye yezoqoqosho, njengobhubhani we-coronavirus. Ezi mboleko zezenkampani ezinokubonisa ukuba zichatshazelwe kakubi yintlekele.
Iimali-mboleko zentlekele ziyafumaneka ukuya kuthi ga kwi-2 yezigidi zeedola kunye nemiqathango yokubuyisela ukuya kuthi ga kwiminyaka engama-30. Zingasetyenziselwa imali yokusebenza, iindleko zokusebenza zemihla ngemihla, kunye nokubuyisela impahla eyonakeleyo.
Izibonelelo zeeMali-mboleko eziqinisekiswe yi-SBA
Njengomnini wamashishini amancinci, usenokuba uye wacinga ngokufaka isicelo semali mboleko ngoLawulo lwamaShishini amaNcinci aseMelika (SBA). Kwaye ngesizathu esihle, kuba zininzi iingenelo zokuthatha imali mboleko ye-SBA.
Iimali-mboleko ze-SBA zibonelela ngenzala ekhuphisanayo kunye nexesha lokuhlawula elibhetyebhetye, kwaye akukho sibambiso sifunekayo kwezinye iimali-mboleko. Yaye xa ukufanelekela ukubolekwa imali, usenokufikelela kwizinto ezixabisekileyo ezinokukunceda usebenzise imali yakho kakuhle.
Indlela yokuFikelela kwiMali-mboleko ye-SBA: Ukufaneleka, iiMfuno kunye neNkqubo yeSicelo
Kubaluleke kakhulu kunakuqala ukuba amashishini amancinci afikelele kwimali-mboleko ye-SBA. Kodwa ezi mboleko zinzima kakhulu ukuba ufanelekele, ngoko ke kufuneka wazi amanyathelo afanelekileyo onokuwathatha aya kwenza inkqubo ibe lula. Apha ngezantsi kudweliswe amanyathelo onokuwathatha ngaphambi nasemva kokufaka isicelo semali mboleko ye-SBA.
Jonga ukufaneleka kwakho
Phambi kokuba uqale inkqubo yokufaka isicelo, uya kufuna ukuqiniseka ukuba ishishini lakho likulungele ukubolekwa imali ye-SBA. Khangela ukuqinisekisa ukuba uyahlangabezana nenkcazelo ye-SBA yeshishini elincinci, elinokwahluka ngokuxhomekeke kushishino. Ezinye zeemfuno ziquka;
- Ishishini libhaliswe ngokusemthethweni kwaye lisebenza ngokusemthethweni.
- Ishishini libekwe ngokwasemzimbeni kwaye lisebenza e-US okanye kwimimandla yalo.
- Utyale i-equity
- Umnini weshishini utyale ixesha lakhe okanye imali yakhe kwishishini.
Kwakhona, jonga ikhredithi yakho ukuze uqiniseke ukuba umi kakuhle. Gcina ukhumbula, ukuba awuzange wenze isicelo semali mboleko yeshishini ngaphambili, awufanelekanga ukubolekwa imali ye-SBA. I-SBA kufuneka ibone ukuba awuphumelelanga isicelo senkxaso-mali kwabanye ababolekisi.
Qokelela amaphepha akho
Enye yezona zinto zitya ixesha lokwenza isicelo semali mboleko ye-SBA ngawo onke amaphepha afunekayo. Thatha ixesha lokuhlanganisa yonke into oyifunayo ngaphambi kokuya kubabolekisi.
- Ubuncinci, kuya kufuneka ungenise la maxwebhu alandelayo:
- Isicwangciso soshishino esineenkcukacha kakhulu
- Iingxelo zakho zemali zobuqu nezeshishini
- Iimbuyekezo zakho zerhafu zobuqu kunye nezeshishini kwiminyaka emibini edlulileyo
- Imbali epheleleyo yemali yeshishini lakho
- Amanqaku okufakwa
- Iimvume zeshishini
- Qala kwakhona
- Uqikelelo lwemali ukwenza ityala lokuba uya kukwazi njani ukuyibuyisa imali-mboleko
Ngethuba lenqanaba lokulungiselela, kunokuba luncedo ukufuna iingcebiso kumntu onamava ekulungiseleleni iipakethi ze-SBA mboleko. I-SCORE, amaZiko oPhuhliso lwamaShishini amaNcinci, kunye neeCPA ziyindawo elungileyo yokuqalisa.
Khetha uMboleki we-SBA
Ngoku lixesha lokukhetha ibhanki okanye umbolekisi osebenza ne-SBA. Ababolekisi abaninzi baya kunika 7(a) mboleko; ungafumana uluhlu lwelizwe nelizwe kwiwebhusayithi ye-SBA.
Kungumbono olungileyo ukuqhagamshelana nababolekisi abaninzi kwaye, ukuba kunokwenzeka, zama ukufumana uqhagamshelo lomntu kuloo bhanki. Xa udibana nababolekisi, kubalulekile ukuba unxibe ngokufanelekileyo kwaye uze neekopi zesicwangciso sakho soshishino kunye noqikelelo lwemali.
Injongo yale ntlanganiso kukunceda umbolekisi azive ekhululekile ukwenza ishishini nawe. Ufuna ukubabonisa ukuba unesicwangciso esikhoyo kunye noqikelelo oluqinileyo lwezemali ukuyixhasa.
Enye yeendlela ezilungileyo zokubonisa ukuba uzimisele kukubeka phantsi uhlobo oluthile lwesibambiso. Ababolekisi bafuna ukubona ukuba unolusu kumdlalo, kwaye isibambiso yeyona ndlela ilungileyo yokubonisa oku.
Gcwalisa isicelo sakho
Nje ukuba unikeze lonke ulwazi oluyimfuneko kwaye umbolekisi wakho wanelisekile, uya kukunika iphakheji yemali mboleko ye-SBA. Uya kugcwalisa iifom eziyimfuneko kwaye ungenise izixhobo zakho kwi-SBA.
Emva kokufaka isicelo, uya kufumana ileta yenjongo (LOI) evela kumbolekisi wakho. I-LOI iya kuchaza iireyithi ezinokubakhona, imiqathango, kunye nokuba yimalini ofanele ukuyifumana.
Nje ukuba usayine kwaye ubuyisele i-LOI, inkqubo yokubhala phantsi iya kuqalisa. Kungathatha iiveki ezininzi ukubhala phantsi ukuphonononga isicelo sakho solunye uhlobo lwemali mboleko, kwaye unokuqhagamshelwana nawe ukuze unikeze ulwazi olongezelelweyo.
Xa uphumelele inkqubo yokubhala phantsi, uya kufumana ileta yesibophelelo eneenkcukacha ezithe kratya malunga nemboleko yakho. Nje ukuba uyamkele imimiselo, iya kuba lixesha lokuvala imali-mboleko yakho.
Siyathemba ukuba uya kukufumana oku kuluncedo. Ngaba unayo nayiphi na imibuzo malunga nendlela yokufikelela kwiimali-mboleko ze-SBA? Nceda uzive ukhululekile ukusazisa ukuze sikuncede ngalo naluphi na ulwazi oya kuludinga.
Nceda, ungalibazisi ukwabelana ngayo nabahlobo, oogxa bakho kunye nezalamane ozaziyo ukuba zisenokufuna olu hlobo lolwazi. Enkosi ngokukhathala kwaye ube nekamva elihle!