Kugcine ukubuyekezwa ngoNovemba 8, 2020
Leli khasi linikeza imininingwane enemininingwane yokuthi ungafinyelela kanjani imalimboleko ye-SBA. Lapha, uzoqondiswa ukuthi ziyini izimali mboleko ze-SBA, ukuthi uzithola kanjani, izidingo zokufinyelela imali mboleko ye-SBA, inqubo yokufaka isicelo, kanye nalo lonke olunye ulwazi olubalulekile ongase uludinge ukwazi mayelana nemalimboleko ye-SBA. Sicela uhlale ubukele.
Okuqukethwe
Iyini Imalimboleko ye-SBA?
Imali mboleko ye-SBA yimalimboleko yebhizinisi elincane eqinisekiswa uhulumeni (Ukuphathwa Kwamabhizinisi Amancane) futhi ikhishwe umbolekisi ogunyazwe yi-SBA.
Izimali mboleko eziqinisekisiwe ze-SBA zenziwa ababolekisi abazimele futhi ziqinisekiswa kufika kumaphesenti angu-80 yi-SBA, okusiza ukwehlisa ubungozi kubabolekisi futhi kwenza kube lula ngabo ukufinyelela imali. Lokho kwenza kube lula ukuthi amabhizinisi amancane athole imali ebolekiwe.
Izinhlobo Ezihlukene Zemalimboleko ye-SBA
I-SBA ihlinzeka ngezinhlobo ezahlukene zemali mboleko yebhizinisi, futhi iyiphi oyifakela isicelo izoncika ohlotsheni lwebhizinisi oliqhubayo. Nasi uhlu lwezinhlelo zokubolekwa kwemali ze-SBA ezidumile
1. 7(a) Imalimboleko
Imali mboleko engu-7(a) wuhlelo lwemalimboleko oludume kakhulu noluguquguqukayo lwe-SBA lwabaqalayo namabhizinisi amancane. Le mali ebolekiwe ingasetshenziselwa izinhloso ezehlukene, okuhlanganisa ukuthenga amathuluzi, izindlu ezithengiswayo, noma ukukhokha kabusha isikweletu.
Lezi zimali mboleko zitholakala ngemali efika ku-$5 million, kuze kube iminyaka eyisikhombisa emalini ebolekiwe yemali yokusebenza kanye neminyaka engama-25 emalimboleko yezindlu ezithengiswayo. Ababolekayo kumele babe nenani eliphansi lekhredithi lamaphuzu angama-680 kanye nenkokhelo ephansi okungenani engamaphesenti ayi-10.
Kunezinhlobonhlobo zezikweletu eziwela ngaphansi kwesambulela se-7(a) yemali mboleko. Isibonelo, imali mboleko ye-SBA Express iwuhlelo olungaphansi kohlelo lwe-7(a) lwemalimboleko. Lezi zimali mboleko nazo ziqinisekiswa kancane yi-SBA futhi ziza nezinqumo zekhredithi ezisheshayo. Isiqinisekiso esiphezulu se-SBA singamaphesenti angama-85 emalimboleko efika ku-$150,000 namaphesenti angu-75 emali mboleko engaphezu kuka-$150,000.
Ngemali mboleko ye-Express, uzofaka isicelo ngombolekisi ogunyazwe yi-SBA futhi ngokuvamile uthole isinqumo sekhredithi phakathi kwamahora angu-24 kuya kwangu-36. Ukubhalwa phansi kwezimali mboleko zendabuko 7(a) kungathatha izinsuku ezingafika kweziyi-10 ukuqedwa. Amazinga amanje emalimboleko engu-7(a) angu-5.50% - 9.75%.
2. 504 Imalimboleko
Izikweletu ezingama-504 ziyatholakala kumabhizinisi afuna ukuthenga izindlu ezithengiswayo, imishini, noma okokusebenza ukuze andise imisebenzi yawo yebhizinisi yamanje. Lezi zimali mboleko zitholakala ngamanani ahlukahlukene afinyelela ku-$20 wezigidi, futhi imigomo yokukhokha isukela eminyakeni engama-25.
Umbolekisi ozimele oyisebenzisayo uzovala amaphesenti angafika kwangu-50 enani lemalimboleko, futhi i-Certified Development Company–inhlangano engenzi nzuzo egunyazwe i-SBA ukuthi inikeze imali mboleko engu-504–izomboza amaphesenti angu-40. Obolekayo kufanele akwazi ukumboza amaphesenti ayi-10 asele ngokulingana.
Ababolekayo kumele babe nomlando oqinile wezikweletu ukuze bafaneleke, futhi indawo ethengiswayo kufanele okungenani ibe ngamaphesenti angama-51 abanikazi bayo. Ingqikithi yenani lebhizinisi angeke lidlule i-$15 million.
3. CAPlines
Uhlelo lwe-CAPLines lunikeza izikweletu zokusiza amabhizinisi amancane ukuhlangabezana nezidingo zawo zemali yokusebenza. Izimalimboleko ezine ezihlukene ze-SBA ziwela ngaphansi kwalolu hlelo, kanye nomugqa wesikweletu.
Lolu hlobo lwemali mboleko lulungele amabhizinisi adinga ulayini ojikelezayo wesikweletu ukuze ahlangabezane nezindleko eziqhubekayo. Ababoleki bangase bathole imali mboleko ye-CAPLines ngaphezu kokubolekwa okungu-7(a) noma imalimboleko engu-504.
OKUSHIWO: Ungayithola Kanjani Imalimboleko ye-FHA (Ukufaneleka, Izidingo kanye Nenqubo Yokufaka Isicelo)
Ababolekayo bangathola imali engafinyelela ku-$5 million nenkathi yokukhokha yeminyaka emihlanu kuya kweyishumi. Izidingo ziyafana nalezo zemali mboleko engu-10(a).
4. Izikweletu Zokuthekelisa
Izimalimboleko ezithunyelwa ngaphandle ziklanyelwe ukusiza amabhizinisi amancane andise imisebenzi yawo yokuthumela ngaphandle futhi angene ezimakethe zangaphandle. Lezi zimali mboleko zilungele izinkampani ezivame ukwenza ibhizinisi lamazwe ngamazwe.
Imali mboleko iphakathi kuka-$500,000 no-$5 wezigidi, kuya ngenjongo yemali mboleko kanye nemikhawulo yesikhathi. Ukuze ufaneleke, udinga ukubamba iqhaza ekuthumeleni izimpahla emazweni angaphandle.
5. Izimalimboleko ezincane
Izimalimboleko ezincane zingase zilungele amabhizinisi amancane kanye nezikhungo zokunakekela izingane ezingenzi nzuzo ezinezidingo zemali ephansi yokusebenza. I-microloan ingasetshenziselwa imali yokusebenza, ukuthenga i-inventory, nokuthenga ifenisha noma izinto zokusebenza.
Lezi zimali mboleko zilawulwa ngezinhlangano ezingenzi inzuzo ezigunyazwe i-SBA. Ngokungafani nezinye izikweletu, i-SBA ayiqinisekisi izikweletu ezincane.
Izimalimboleko ezincane ziyatholakala kuze kufike ku-$50,000 ngemibandela yokukhokha yeminyaka eyisithupha. Ukuze ufaneleke, uzodinga amaphuzu amancane esikweletu angu-640.
6. Imalimboleko Yezinhlekelele
I-SBA ikhipha imali mboleko yezinhlekelele ngenxa yezinhlekelele zemvelo noma zezomnotho, njengobhubhane lwe-coronavirus. Lezi zimali mboleko ezezinkampani ezingakhombisa ukuthi zithintwe kabi yinhlekelele.
Imali mboleko yezinhlekelele iyatholakala kuze kufike ku-$2 million nemibandela yokukhokha efika eminyakeni engu-30. Angasetshenziselwa imali yokusebenza, izindleko zokusebenza zansuku zonke, kanye nokushintsha impahla eyonakele.
Izinzuzo Zemalimboleko Eqinisekisiwe ye-SBA
Njengomnikazi webhizinisi elincane, kungenzeka ukuthi ucabangele ukufaka isicelo semalimboleko nge-US Small Business Administration (SBA). Futhi ngesizathu esihle, ngoba ziningi izinzuzo zokuthatha imali ebolekiwe ye-SBA.
Izimali mboleko ze-SBA zinikeza amanani enzalo ancintisanayo kanye nesikhathi sokukhokha esivumelana nezimo, futhi asikho isibambiso esidingekayo kwezinye izikweletu. Futhi lapho ufaneleka ukubolekwa imali, ungase uthole ukufinyelela ezinsizeni ezibalulekile ezingakusiza usebenzise imali yakho ngendlela ezuzisayo.
Ungafinyelela Kanjani Izikweletu Ze-SBA: Ukufaneleka, Izidingo kanye Nenqubo Yokufaka Isicelo
Kubaluleke kakhulu kunangaphambili ukuthi amabhizinisi amancane afinyelele izikweletu ze-SBA. Kodwa lezi zimali mboleko ziyinselele ikakhulukazi ukuze ufaneleke, ngakho-ke udinga ukwazi izinyathelo ezifanele ongazithatha ezizokwenza inqubo ibe lula. Uhlu olungezansi yizinyathelo ongazithatha ngaphambi nangemva kokufaka isicelo semali mboleko ye-SBA.
Hlola Ukufaneleka Kwakho
Ngaphambi kokuthi uqale inqubo yokufaka isicelo, uzofuna ukwenza isiqiniseko sokuthi ibhizinisi lakho lifanelekile ukubolekwa imali ye-SBA. Hlola ukuze uqinisekise ukuthi uhlangabezana nencazelo ye-SBA yebhizinisi elincane, engahluka kuye ngemboni. Ezinye zezidingo zihlanganisa;
- Ibhizinisi libhaliswe ngokusemthethweni futhi lisebenza ngokusemthethweni.
- Ibhizinisi litholakala ngokoqobo futhi lisebenza e-US noma ezindaweni zayo.
- Utshale ukulingana
- Umnikazi webhizinisi utshale isikhathi sakhe noma imali ebhizinisini.
Futhi, hlola isikweletu sakho ukuze uqiniseke ukuthi unokuma okuhle. Khumbula, uma ungakaze ufake isicelo semali mboleko yebhizinisi ngaphambilini, awufaneleki ukubolekwa imali ye-SBA. I-SBA idinga ukubona ukuthi usifake isicelo semali esingaphumelelanga kwabanye ababolekisi.
Qoqa amaphepha akho
Esinye sezici ezidla isikhathi esiningi sokufaka isicelo semali mboleko ye-SBA yiwo wonke amaphepha adingekayo. Zinike isikhathi sokuhlanganisa yonke into oyidingayo ngaphambi kokuya kubabolekisi abangaba khona.
- Okungenani, uzodinga ukuthi uthumele amadokhumenti alandelayo:
- Uhlelo lwebhizinisi olunemininingwane eminingi
- Izitatimende zakho zezezimali zomuntu siqu nezebhizinisi
- Izimbuyiselo zakho zentela yomuntu siqu neyebhizinisi kusukela eminyakeni emibili edlule
- Umlando ophelele wezezimali webhizinisi lakho
- Imibhalo yokufakwa
- Amalayisense ebhizinisi
- Ukuqhubeka kwakho
- Ukuqagela kwezezimali ukuze kubekwe icala lokuthi uzokwazi kanjani ukubuyisela imali ebolekiwe
Phakathi nesigaba sokulungiselela, kungaba usizo ukufuna iseluleko kothile onolwazi ekulungiseleleni amaphakheji emalimboleko e-SBA. I-SCORE, Izikhungo Zokuthuthukiswa Kwamabhizinisi Amancane, kanye nama-CPA ayindawo enhle yokuqala.
Khetha umbolekisi we-SBA
Manje sekuyisikhathi sokukhetha ibhange noma umbolekisi osebenza ne-SBA. Ababolekisi abaningi bazonikeza i-7(a) imalimboleko; ungathola uhlu lwesifunda nesifunda kuwebhusayithi ye-SBA.
Kungumqondo omuhle ukuthintana nababolekisi abaningi futhi, uma kungenzeka, uzame ukuthola uxhumano lomuntu siqu kulelo bhange. Uma uhlangana nababolekisi, kubalulekile ukuthi ugqoke ngendlela efanele futhi uphathe amakhophi ohlelo lwakho lwebhizinisi kanye nezilinganiso zezezimali.
Umgomo walo mhlangano ukusiza umebolekisi ukuthi azizwe ekhululekile ukwenza ibhizinisi nawe. Ufuna ukubakhombisa ukuthi unohlelo olukhona kanye nokuqagela okuqinile kwezezimali ukuze usekele.
Enye yezindlela ezinhle kakhulu zokukhombisa ukuthi uzimisele ukubeka phansi uhlobo oluthile lwesibambiso. Ababolekisi bafuna ukubona ukuthi unesikhumba esithile emdlalweni, futhi isibambiso siyindlela engcono kakhulu yokubonisa lokhu.
Gcwalisa Isicelo Sakho
Uma usunikeze lonke ulwazi oludingekayo futhi umbolekisi wakho wanelisekile, uzokunikeza iphakheji yemalimboleko ye-SBA. Uzogcwalisa amafomu adingekayo bese uhambisa izinto zakho ku-SBA.
Ngemva kokufaka isicelo, uzothola incwadi yenhloso (LOI) evela kumbolekisi wakho. I-LOI izochaza amanani ongase abe nawo, imigomo, kanye nokuthi yimalini ofanele ukuyithola.
Uma ususayine futhi ubuyisela i-LOI, inqubo yokubhala ngaphansi izoqala. Kungathatha amaviki ambalwa ukuthi kubhalwe ngaphansi ukuze kubuyekezwe isicelo sakho kwezinye izinhlobo zemali mboleko, futhi ungase uthintwe ukuze unikeze ulwazi olwengeziwe.
Uma usuphumelele inqubo yokubhala ngaphansi, uzothola incwadi yokuzibophezela enemininingwane eyengeziwe mayelana nemalimboleko yakho. Uma usuyamukele imigomo, kuzofika isikhathi sokuvala imali oyibolekile.
Sithemba ukuthi uzothola lokhu kuwusizo. Ingabe unayo imibuzo mayelana nendlela yokufinyelela imalimboleko ye-SBA? Sicela ukhululeke ukusazisa ukuze sikwazi ukukusiza nganoma yiluphi ulwazi oyoludinga.
Sicela, ungangabazi ukwabelana ngayo nabangani, ozakwenu nezihlobo obaziyo ukuthi badinga lolu hlobo lolwazi. Siyabonga ngokunakekela futhi ube nokuhle okuzayo!