Imalimboleko yosomabhizinisi, ihlanganisani?

Ukuqhamuka nombono okhaliphile wephrojekthi enkulu kungajabulisa. Kodwa ukubulawa kwayo kungamiswa emikhondweni yayo ngaphandle kokuxhaswa ngezimali okwanele. Lapha sizokhuluma nge ukubolekwa osomabhizinisi, inketho enhle yezinhlelo ezinezinsiza eziphansi.

Imalimboleko kosomabhizinisi: indlela yokwakha iphrojekthi yakho

I-Los ukubolekwa osomabhizinisi ziyinto engenzeka kubantu abaningi abasha abanemibono emihle kodwa amaphakethe angenalutho. Siyawazi umuzwa; sisanda kuphothula enyuvesi, sigcwele ulwazi olusha nemibono yokulusebenzisa emhlabeni wangempela ukuze kuzuze abaningi, kodwa sishaya udonga lokungasebenzi noma imisebenzi evamile ebangelwa isidingo sokuziphilisa.

Noma sibe nenhlanhla yokuzithola sisendaweni yokusebenza enobuhlakani kakhulu, ngaphakathi kwethimba labasebenzi elikhaliphile, kodwa imibono yethu ayifani nezinjongo zabo. Bese siqala ukucabanga ngezinhlelo zethu ezisivumela ukuthi sifeze amaphupho ethu. Kodwa isinyathelo sokuqala ukuthola izinsiza ukuze uqalise.

Yiziphi-ke izikweletu ezibolekwa osomabhizinisi?

Nokho, ngokwalokho okushiwo yimibandela yayo, imalimboleko enikezwa abantu ngohlelo oluthile ukuze bakwazi ukuyithuthukisa kabanzi futhi ngokushesha. Lezi zingavela emaqenjini azimele kanye nakahulumeni, ikakhulukazi uma iphrojekthi ihilela izinzuzo ezithile zomphakathi, kanye nezinhlangano zamabhange ezidumile.

Njengoba imayelana nokweseka osomabhizinisi abanemithombo ephansi yezomnotho evela kuyo, imali ebolekiwe ivamise ukuba nobungane ngokwemibandela yokukhokha kanye nenzalo. Kodwa-ke, ebuhlotsheni namabhange, yonke into ingancika emlandweni omuhle wezikweletu nokuthi ihlanganisa kanjani lokhu nenani elitholiwe ukuze libuyiselwe kamuva.

Amanani aphansi (ama-peso angu-1000, isibonelo kwezinye izimo) ngokuvamile asho izikhathi zokukhokha ezimfushane. Uma kuwumgomo wokugunyaza wamanani amahle (ama-peso angu-150.000 noma ngaphezulu kwezinye izimo), ngokunengqondo isikhathi sokukhokha sizonwetshwa. Kungakho amakhredithi angaqashelwa ebhizinisini lokukhokha lanyanga zonke, lamasonto onke noma ngisho nansuku zonke bese ubona amakhredithi athatha ngisho neminyaka ukuthi akhokhwe.

Nalapha futhi, kuhlale kuncike kubukhulu besinyathelo, ikhono lomuntu lokukhokha kanye nenani lokusekelwa ngokwezimali. Kodwa futhi kuya ngefomethi esetshenziswayo ukufaka isicelo sokubolekwa imali. Ifomethi ebusayo njengamanje, ngokusobala, isiteji se-inthanethi.

Uma unentshisekelo ekhethekile kukho konke okuhlobene nezinhlelo zebhizinisi, ungase ukuthole kuwusizo ukuvakashela lesi esinye isihloko esikuwebhusayithi yethu esinikezelwe ukuveza obala. uqhuba kanjani ibhizinisi ngendlela efanele. Landela isixhumanisi!

Izinzuzo zokubolekwa kosomabhizinisi

Ukufaka kuhlu izinzuzo ezingaletha kusomabhizinisi iqiniso lokucela imali ebolekiwe evumelana nesimo sakhe kungasiholela ngokwako ekutholeni ukukhiqiza, ukuxhasa ngemali okuqhubekayo kanye nokukhokhwayo. Ake sibone izinzuzo zalolu hlobo lwemali mboleko:

1. Njengoba kushiwo ngaphambili, imali mboleko yebhizinisi ivamise ukuguquguquka. Lokhu kuvumelana nezimo kubaluleke kakhulu kunoma yimuphi usomabhizinisi, ikakhulukazi labo abaqala ibhizinisi, ngenxa yokuntengantenga nokungalindelekile okuhlotshaniswa nesipiliyoni sokuqala. Ngakho-ke iningi lemalimboleko yalesi sitayela iqukethe ithuba lokuhlela kabusha izivumelwano, ukuvumelana ngamanani amasha noma imigomo uma kunesidingo.
2. Ukuvikeleka kwalezi zinhlelo zokubolekwa kwemali kuqinisekisiwe, inqobo nje uma lezo eziqashelwa ama-ejensi woMbuso njengeKhomishana Kazwelonke Yokuvikela Nokuvikela Abasebenzisi Bezinsizakalo Zezezimali (CONDUSEF) kanye neKhomishana Kazwelonke Yamabhange Nokuphepha ziyalandelwa. . Umsebenzi walezi zinhlangano e-Mexico unikela kakhulu ekwenzeni izindlela zokuboleka imali zithembeke.
3. Izimalimboleko eziqondiswe kosomabhizinisi nazo zivame ukubonakala kalula kanye nesivinini senqubo yokuqalisa. Izidingo ze-Bureaucratic zincishiswa cishe zibe ncane futhi izinkundla eziku-inthanethi lapho la makhredithi enziwa khona ngokuvamile avumela ukuthunyelwa nezimpendulo ngokushesha. Umlayezo wokugunyaza isicelo ungafika ngokushesha nje ngakusasa, kuyilapho inkokhelo ngokuvamile ithatha amahora ambalwa.
4. Inzuzo etholakala kulaba oxhumana nabo be-inthanethi abasungulwe kahle e-Mexico wukuba lula kokuxhumana okukude, kuqhathaniswa nendlela evamile yokuya ehhovisi, ngempela ngesikhathi esithile, ngokuvamile ekude nekhaya lakho, ukulinda.
5. Akusho ukuthi lesi sakhiwo sizuzisa kangakanani esimweni senhlekelele yezempilo eyadalulwa ubhubhane olwaqala ngo-2020. Esimeni sokunyakaza okulinganiselwe, ukusondelana ngokomzimba kanye nemihlangano yasendlini, ukusebenzisa ku-inthanethi kusobala ukuthi kunomthwalo wemfanelo omkhulu. Lolu hlobo lwemali mboleko lunezinkundla ezinhle zalo msebenzi.
6. Okokugcina, lezi zinhlobo zemali mboleko yokuxhasa amabhizinisi azikhawulelwe endaweni ethile yomsebenzi. Ukusekelwa kungashintshwa kunoma yini oyiphakamisayo noma ungathola abaxhasi abanentshisekelo yokusekela lokho ozama ukukukhuthaza. I-Versatility yinto evamile kule ndawo.

Izidingo eziyisisekelo zokubolekwa kwezamabhizinisi

Uma kubhekwa lokhu kuhlukahluka kwemvelo phakathi kwezinhlangano ezingase zibolekise, zombili ngokwezikhundla zazo njengezinkampani ezizimele, zomphakathi noma zamabhange, kunengqondo ukuthi izimfuneko zesicelo sesikweletu ziyahlukahluka esimweni ngasinye. Nokho, izakhi ezidingekayo ngokuvamile zilula futhi zingafingqwa ochungechungeni lwezinto ezilandelayo oluqhubekayo:

1. Esokuqala, ngokunengqondo, yimibhalo ehlotshaniswa nobuwena. Lo mbhalo ungase ube nelayisensi yobungcweti base-Mexico, imininingwane ekhishwe uMbuso ukuze ukwazi ukuvota okhethweni lukazwelonke, noma ipasipoti. Okubalulekile ukuthi idokhumenti isemthethweni futhi ikhombisa ngokusemthethweni ubuwena ngamagama, izibongo kanye nesithombe sakamuva.
2. Kuyadingeka futhi ukwethula ngaphakathi kwalezi zidingo ubufakazi bekheli obufakazela ukuthi umfakisicelo uhlala esizweni saseMexico, ukuze kuqinisekiswe idiphozithi yezezimali eshelelayo kanye nokuqhubeka kokuxhumana. Idokhumenti idinga ukuba ngeyamanje ukuze igcwalise injongo yayo yokuqinisekisa.
3. Kuzodingeka futhi ukwethula Ukhiye Wokubhaliswa Kwesibalo Sabantu (i-CURP), idokhumenti yokuhlonza esekelwe kukhodi yezinhlamvu nezinombolo zezinhlamvu eziyi-18. Sonke isakhamuzi sangaphandle esisemthethweni noma isakhamuzi e-Mexico sine-CURP yaso, edingekayo kuzo zonke izinhlobo zezinqubo nezicelo njengalena esiseduze, ngakho-ke ngeke kube wusesho olude ukuyithola.
4. Ubufakazi bokuqeqeshwa obuqinisekisa ukuthi usuqedile inqubo yokuqeqeshwa kochwepheshe kufanele futhi kwethulwe kule phakheji yezidingo. Ivawusha kufanele isebenze isikhathi esingangonyaka owodwa.
5. Okokugcina, okusele nje ukunamathisela idokhumenti yesicelo sokubolekwa kwebhizinisi, ebhalwe ngokwezindinganiso ezisungulwe yinhlangano okukhulunywa ngayo ezohlinzeka ngayo, uma isicelo samukelwe.

Amathiphu abalulekile okubhekana nesicelo semalimboleko kosomabhizinisi

Kunezici ezithile okufanele zibhekwe ngokucophelela lapho ufaka isicelo semalimboleko yebhizinisi lakho. Akuyona into engenziwa ngaphandle kwekhanda elipholile, eliqondiswa ukushisekela umkhuhlane okwamanje. Ake sibuyekeze ezinye zalezi zici ukuze sizibeke ngaphakathi kwemali mboleko ngesisekelo esiqinile:

1. Okokuqala, zonke izinketho zezimali ezingatholakala kufanele ziphenywe kahle, zicutshungulwe ngokucophelela imigomo yazo, izigaba ezincane nemibandela ukuze kugwenywe ukuxhashazwa noma ukudideka esikhathini esizayo. Kubalulekile futhi ukucacisa indlela yokusebenza umabolekisi anayo, ukukala ukuthi ingabe ihambisana nezidingo zethu ngempela.
2. Izinketho eziningi zinhle impela kodwa azifani ngokwanele nezinjongo zebhizinisi lethu noma ubunjalo bayo. Ake sicabangele izinto ngobuhlakani obukhulu.
3. Lokhu kusiholela ekucabangeni okulandelayo. Ukusesha ngokuxhamazela kwezimali zangaphandle akukwazi ukwenziwa uma singakacaci ngezinjongo zethu njengenkampani. Izosetshenziselwa ini le mali entsha nokuthi izoba yini umnyombo esu lethu kumele ihlolwe ngokucophelela.
4. Izidingo obekubhekwe ukuthi zibhekelelwe yimali ebolekiwe zingaba yinkohliso uma zifakwa esikalini futhi zingagcina seziwukufuna izikweletu esikhundleni sesixazululo. Ngakho-ke, masiqinisekise ukuthi ibhizinisi lincike ngempela kulesi sikweletu ngaphambi kokubanjwa yinkontileka.
5. Isici esilandelayo okufanele sihlanganiswe nomqondo ophusile ekusesheni kwethu uxhaso lwezimali inhlangano yangaphakathi ezobhekana nakho. Izikhathi eziningi amabhizinisi amancane afuna ukuphuma phansi ayakhohlwa ukuthi imali ebolekiwe ihlanganisa isidingo sokuba nesakhiwo sezimali sangaphakathi esiphelele futhi esizinze kahle.
6. Ukungabi nayo kungase ngisho kubeke engcupheni ukujwayela kwezinkokhelo kumzuzi, okuthi ezimweni ezimbi kakhulu zokungakhokhi kungaba inhlekelele ngempela ebhizinisini elingakhula kancane. Ngaphezu kwalokho, ukuba nawo wonke amaphepha ukuze kuzo zonke izibopho kungenza umehluko phakathi kwenkampani encane noma enosayizi omaphakathi ene-tint eyimfundamakhwela kanye nenkampani enesifiso sokuvelela nobungcweti.

Iyiphi inqubo yokucela ukubolekwa imali kosomabhizinisi?

Kuleli qophelo kufanele futhi siqinisekise ukuthi inqubo iyashintsha hhayi kuphela kumabolekisi akhethiwe kodwa futhi nezindlela ukuxhumana naye okwenziwe ngazo. Ngaphezu kwalokho, kunamakhasi ewebhu ase-Mexico asebenza njengabalamuli abahlanganisa zonke izinketho ezahlukene zokuxhumana futhi abuye ethule izinyathelo ezihlukene zokuqedela inqubo yokufaka isicelo semalimboleko.

Ngisho nangaphakathi kwalokhu kuhlukahluka, singakwazi ukubona izinyathelo ezithile eziyisisekelo, sihlanganise imizila ehlukene ohlwini olufanayo. Ngokuyisisekelo, ingqondo yeziningi zalezi zinto ihlala injalo.

Inqubo eyisisekelo:

1. Uma unqume ukusebenzisa elinye lala makhasi ewebhu amaphakathi phakathi kwababolekisi, njengoba kwenzeka ku-financer.com, isibonelo, into yokuqala okufanele uyenze ukungena noma ukubhalisa ekhasini elikhethiwe. Okulandelayo, uzokwazi ukufinyelela esikrinini lapho ungakhetha khona kokubili inani ofuna ukulithola emalini ebolekiwe kanye nedethi emisiwe ongakhipha ngayo ukukhokha.
2. Uhlelo luzobonisa ngokushesha izinketho ezahlukene zababolekisi ezifanelana kangcono nezidingo zakho zezezimali kanye namandla akho okukhokha. Kunamagama ajwayelekile azovela njalo kumongo we-Mexican, njengokuthi Kreditiweb, Kueski, askRobin kanye noCredy, ukusho ambalwa. Ngokukhetha eyodwa yalezi zinhlangano futhi ngokuchofoza inketho ebonisayo Ukuqala, ungaba nokufinyelela okuqondile enkampanini ekhethiwe.
3. Uma ungasebenzisi noma yiliphi ikhasi lomlamuli ngenxa yokuthi usuvele uyitholile inketho yakho yemalimboleko oyincamelayo, ungaqala ngqo inqubo kulesi sinyathelo. Imvamisa, iningi lamakhasi ezinhlangano ezahlukene nawo azodinga ukuthi ubhalise ukuze uqhubeke nesicelo.
4. Uma lokhu sekwenziwe, kuzoqala inqubo yokugcwalisa amafomu nge-inthanethi, lapho kufanele kucaciswe isizathu sokubolekwa imali, inani elidingekayo kanye nesikhathi esimisiwe esihlongozwayo ngokusekelwe kumthamo wokukhokha ngokwawo, njengoba kushiwo ngenhla.
5. Kuvamile ukuthi uhlelo lube selucela ukulayishwa kwamadokhumenti achazwe ngenhla ahlobene nokuhlonzwa kusetshenziswa umazisi, ukhiye wokubhalisa, ikheli, isitifiketi sokuqeqeshwa, ngendlela lapho isicelo semalimboleko singenziwa ngokusemthethweni.
6. Uma yonke into edingekayo isigcwalisiwe, yalayishwa futhi yathunyelwa, isaziso sokugunyazwa kusengaphambili singatholwa esimweni esihle. Lesi saziso sizohambisana nenkontileka yemalimboleko, eshiwo kuzo zonke izingxenye zayo maqondana namanani, imigomo kanye nezinsuku zokuqedwa.
7. Sizokwenza isiqiniseko sokuthi sifunda yonke into ngokucophelela ukuze sigweme ukungezwani noma ukudideka okunzima ukukulungisa esikhathini esizayo. Uma yonke into ilungiswe ngendlela efanele esicelweni sakho nasekulindeleni kwakho, ungazisa ukuthi uyawamukela umbhalo.
8. Kuleli qophelo, isikhathi sokulinda sizoqala ngaphambi kokuthola ukuxhumana kokugunyazwa okugcwele kwemali mboleko. Njengoba sekushiwo ngaphambili, lesi sikhathi singaba sifushane kakhulu uma kubhekwa isivinini sezinqubo zokucubungula ngenethiwekhi, eziningi ezihlanganisa ubuningi bosuku olulodwa noma amahora ambalwa. Phakathi kwesaziso sokugunyaza kanye nediphozithi yokuqala ngokuvamile asikho isikhathi esiningi, ngokuvamile kuba ngokushesha.
9. Uma ikhredithi isitholiwe, uzokwazi ukuqala ibhizinisi lakho ngezinsiza ezingcono futhi ulenze lindize ngamaphiko angcono.

Ezinye izindlela zokubolekwa osomabhizinisi

Esimeni lapho ngesizathu esithile noma esinye ifomethi yezinhlangano ezibolekisayo ingasisebenzeli futhi sidinga omunye umthombo wezimali, kuzodingeka sisebenzise izindlela ezihlukene ukuze sifeze injongo yethu. Singasho ezinye zazo ukuze kucace mayelana nezindlela ezihambisanayo zokukhula ngosekelo lwangaphandle:

1. Inketho edume kakhulu kulezi zikhathi zezinhlelo ezinkulu neziguqukayo zeqoqo i-crowdfunding. Lokhu akuyona into engaphezu kohlobo loxhaso lomphakathi lwephrojekthi ekhangayo, eyenziwa ngezinkundla eziku-inthanethi, ikakhulukazi. I-Crowdfunding ingagqugquzelwa abanikeli abavuzayo, okungahlanganisa ukuthola imikhiqizo noma ngisho nokuthola amasheya ebhizinisi.
2. Abatshalizimali bezingelosi bangenye insiza engaxazulula izinkinga ezingaphezu kweyodwa enkampanini yokuqala. Laba ngabaxhasi bezimali abazimele abanganikezi nje kuphela imali ebolekiwe edingekayo kodwa futhi neseluleko esibalulekile sezezimali.
3. Imiqhudelwano ehlelwa amabhrendi ahlukene aziwayo noma izisekelo ezinezinsiza ezibalulekile ingaba inketho enhle kakhulu. Kulokhu, akusona isicelo esiqondile, kodwa umbukiso wephrojekthi yakho ngaphambi kwejaji emcimbini, ngokuncintisana nezinye izinhlelo. Uma uwina umncintiswano, lokhu kuzosho isamba semali esibalulekile ngesizathu sakho.
4. Lokhu okubizwa nge-Venture Capital kungenye indlela yokuxhasa ngezimali ngezimali ezitshala ezinkampanini zakamuva ezisengozini enkulu ngoba zisesigabeni sokuqala sokuziphendukela kwemvelo. Lokhu kunenani: ukunikezwa kwephesenti elibalulekile lamasheya enkampani entsha.

Ividiyo elandelayo ichaza ngokuningiliziwe umbono wezimali zikahulumeni ezilahlekile, inketho ehlukile yokuthola uxhaso lwezimali ngohlelo lwakho ngaphansi kwefomethi yesibonelelo, kanye nesimo sesistimu kulo nyaka wamanje ka-2021. Kuze kube manje isihloko sethu mayelana ukubolekwa osomabhizinisi, amasistimu ezinkampani zawo ezihlinzeka ngempahla kanye nezinye izindlela. Sizokubona maduze futhi sikufisela inhlanhla emsebenzini wakho wamaphepha nasekuxhaseni ngemali.