Inzuzo yinjongo ephambili yabo bonke abatyali-mali. Kodwa iinzuzo zexesha elide nezizinzileyo azinakubonwa ngoko nangoko. Ukuba mkhulu umngcipheko, iphezulu inzuzo. Ke, abatyali-mali abaninzi bajonge ukwenza inzuzo ekhawulezileyo ngokutyala imali kwinkampani enokubakho yokuqalisa.
Ke, sinokwazi njani ukuba ukutyala imali kwi-startups kufanelekile okanye akunjalo? Ngaba inamandla okwenza imali eninzi kwaye ikhule? Sikuphepha njani ukuqhathwa ziinkampani zesiporho? Eli nqaku liza kukunika lonke ulwazi oludingayo ukuze wenze isigqibo sokuba utyalomali okanye ungatyala imali kwisiqalo.
Isiqulatho
Tyala imali kwiintetho zakho ukuze ubambe ingqalelo yabaphulaphuli bakho ekuqaleni!
Imibuzo emi-4 omawuyibuze ngaphambi kokutyala imali kwi-Startups
Ngokutsho kophando lwakutsha nje, kwishumi ngalinye Startups, abathathu okanye abane bayasilela, abathathu okanye abane babuyisela utyalo-mali lwabo lokuqala, kwaye omnye okanye ababini bayaphumelela emva konyaka omnye.
Ukuqonda ixabiso lakho lempuma kunye nelokuqala kubalulekile ngaphambi kokuba ubeke imali yakho ekuqaleni. Ukuze uphephe ukulahlekelwa yimali, kufuneka uzibuze imibuzo emine. Kuya kunceda ukucacisa inkxalabo yakho malunga nokutyalomali oluqalwayo.
Lithini Ixabiso Elinikezelwa yiFirm?
Abanini zabelo kufuneka bavavanye inani leenguqu ezibalulekileyo ukuqinisekisa ukuba ishishini lithuba lotyalo-mali eliluqilima. Iinkampani kuphela ezinokuzisa ixabiso kubathengi ezinokukhula kwaye zenze inzuzo.
Nantsi imiba emi-6 ekufuneka uyiqwalasele:
- Icandelo: Ukuvavanya amathuba okuqalisa okuphumelela, kubalulekile ukuba uqale uphando ngeshishini elisebenza kulo. Ibandakanya ukuqonda ubungakanani bangoku bemarike, ukukhula okuqikelelweyo, kunye nokhuphiswano lomhlaba.
- Product: Ukuqonda inkonzo yokuqalisa okanye imveliso yeyona nto ibalulekileyo ekuvavanyeni amathuba ayo okuphumelela.
- Iqela elisekayo: Ulwazi, izakhono, kunye nerekhodi yomkhondo yabantu abaseki kunye neqela labo lichaza impumelelo yesiqalo. Ngapha koko, indlela yokuziphatha, izimo zengqondo, kunye neendlela zabantu eziquka inkcubeko entle yendawo yokusebenza zibonisa inkcubeko yombutho.
- Umtsalane: Abatyali mali kufuneka bathathele ingqalelo ukukhula kwabasebenzisi benkampani ngoku, izinga lokuzibandakanya, ukugcinwa kwabathengi amanqanaba, kunye nokukhula kwenzuzo ukumisela iifemu ukusebenza kwexesha elide.
- I-ROI (Buyela kuTyalo-mali): Isalathiso se-ROI yindlela yokuvavanya ukusebenza kakuhle kotyalo-mali, okuyimfuneko ukuba ufuna ukutyala imali okanye ukwenza ishishini kuyo nayiphi na intsimi. Esi salathisi siya kukuxelela ukuba ingakanani inzuzo oyifumanayo kutyalo-mali lwakho.
- Umthunywa: Ukuba ukuqalisa kwakho akunanjongo ichaziweyo, kunokubonakala kungenanjongo.
Ixesha elingakanani Ngaba Ungalindela Iimbuyekezo Zakho?
Utyalo-mali ngumdlalo wexesha elide, kodwa kufuneka ube nolwazi lwexesha elibekiweyo ukuze ukwazi ukuthelekisa noko ukulindeleyo. Abanye abantu banokulinda ngokukhululekileyo iminyaka elishumi ukuze bafumane umvuzo wokuqala, ngelixa abanye banokufuna ukubuyisela imali yakho malunga nonyaka omnye ukuya kwemibini; konke kuxhomekeke kwizinto ezibalulekileyo kuwe.
Yintoni iRhafu elindelweyo yokuBuyisa?
Kwakhona, ukuhlalutya imbuyekezo enokubakho kutyalo-mali (i-ROI) ehambelana nokuqalwa okuthile kuyimfuneko kubatyalo-mali abagxile ekwandiseni umvuzo.
Xa ubala imbuyekezo, khumbula naziphi na iintlawulo okanye iintlawulo ezinxulumene notyalo-mali. Khumbula ukuba okukhona iphezulu inkcitho enxulumene notyalo-mali oluthile, kokukhona isezantsi imbuyekezo.
Ngaba kukho iQhinga lokuPhuma elichazwe kakuhle?
Ukuba nesicwangciso esicacileyo sokuphuma kubalulekile kuyo nayiphi na utyalo-mali, ngakumbi utyalo-mali kwi-startups. Abatyali-mali kufuneka baqonde ukuba bangalurhoxisa nini kwaye njani utyalo-mali lwabo lokuqala, kunye nazo naziphi na iinzuzo ezinxulumeneyo. Umtyali-mali wengelosi, umzekelo, unokufuna ukwazi ukuba baya kuba nako nini ukuthengisa izabelo zabo zesitokhwe. Kwakhona, yiloo nto kubalulekile ukuba uqaphele ixesha elibekiweyo elifunekayo ukuze uqiniseke ukuba unokuhamba ngexesha okhululekile ngalo.
Imingcipheko kunye nemivuzo xa uTyala imali kwi-Startups
Kukho iingenelo kunye nokungalunganga kutyalo-mali kwisiqalo. Kwelinye icala, ukutyala imali kwisiqalo kunokuba yeyona ndlela ibalaseleyo yokuba ngusozigidi ngokukhawuleza. Iziqalisi, kwelinye icala, zihlala zilutyalo-mali olusemngciphekweni omkhulu ngaphandle kweziqinisekiso.
Imingcipheko xa utyala imali kuqaliso:
- Kukho umngcipheko omkhulu we-ghost corporation.
- Kukho ukunqongophala kwedatha yokusebenza kwemali kunye nengqiqo yenkampani esekelwe.
- Ukungafihli nto kunqongophele.
- Imingcipheko eyongezelelweyo ibandakanya ukuncitshiswa kobunini, umngcipheko wolawulo, kunye nomngcipheko wemarike.
- Ubutyala
Iimbuyekezo xa utyala imali kuqaliso:
- Ukubakho kwemivuzo ephezulu.
- Ithuba lokuba yinxalenye yenoveli kwaye inika umdla.
- Ithuba lokwenza utyalo-mali kwangoko kwinkampani ethembisayo.
- Ithuba lokunxibelelana nabasunguli kunye nabanye abatyali-mali.
- Kuya kufuneka ukwazi ukuyohlulahlula ipotifoliyo yakho yotyalo-mali.
Iindlela ezi-3 ezilungileyo zoTyalomali kwiZiqalo zabaQalayo
Ukususela kumanqanaba okuqala okuqalisa, abatyali-mali abavunyiweyo abanobudlelwane obuhle baya kuba namathuba amaninzi okuthatha inxaxheba. Kwiminyaka emibini edlulileyo, umvuzo wakho wonyaka kufuneka udlule kwi-$200,000 (i-$300,000 ukuba ibandakanya izinto zomtshato emva kokutshata) ukuze ulungele ukuba ngumtyali-mali ovunyiweyo. Kukwayimfuneko ukuba nentsalela yexabiso le-asethi engaphezulu kwesigidi seerandi, ngaphandle kwexabiso lendlu yakho yokuhlala.
Enyanisweni, inani elikhulu labakumgangatho ophakathi abanayo imali eninzi kangako ukuba babe ngoongxowankulu bamashishini. Endaweni yoko, unokuqalisa ukutyala imali kwi-startups ngebhajethi elinganiselweyo njengezi zicwangciso zilandelayo:
Tyala imali ngokusebenzisa iqonga labantu abaninzi
Ukuba awungomtyali-mali ovunyiweyo, sicebisa ukuba uphande amanye amaqonga okuxhasa ngemali. Ungajonga kwiziqalo ezininzi ezinikezelwayo ngokundwendwela enye yezi webhusayithi. Unokukhetha ukuba ngawaphi amashishini kwaye yimalini na ofuna ukutyala kuyo.
Kukho iindawo ezidumileyo nezikhuselekileyo zokuxhasa ngemali abantu onokuthi uzibhekiselele njengeWefunder, StartEngine, SeedInvest,….
Iibhondi endaweni yesitokhwe
Ukuthenga esitokisini, izabelo eziqhekekileyo, kunye nezabelo, zixhaphake kakhulu kutyalo-mali, kodwa ngamanye amaxesha siyalibala ukuba sinokutyala imali kwaye sifumane imbuyekezo ngokunikela ngokuboleka imali kwisiqalo, esikwabizwa ngokuba ziibhondi. Inzala esisigxina ihlawulwa kwiibhondi kubabolekisi ngokuhamba kwexesha ngelixa izitokhwe zikhula kuphela kwixabiso lokuthengisa.
Tyala imali xa inkampani ihamba esidlangalaleni nge-IPO.
Enye indlela entle kubatyali-mali kukuthenga izabelo ngexesha lonikezelo lokuqala lwenkampani (IPO). I-corporation yenza ukuba izabelo zayo zifumaneke kuluntu kwimarike yemasheya ngexesha le-IPO. Nabani na ngoku unokuthenga izabelo, nto leyo eyenza kube lithuba elihle lokuthatha inxaxheba kuphuhliso lweshishini ixesha elide.
Okukwintsusa
Lonke utyalo-mali lwesiqalo olunenzuzo luqala ngokuqonda ngokucacileyo isikhokelo somtyali-mali kunye nexabiso lembono yeshishini lenkampani. Ukusebenza nefemu eyinkunzi yemali esele ikhulile okanye umtyali-zimali oqalwayo kunokunika isikhokelo esongezelelweyo kunye nenkxaso njengoko uphuhlisa isicwangciso sakho sotyalo-mali.
💡Tyalomali kwiZiqalo kuthatha ixesha kodwa kunomvuzo. I-AhaSlides yenye yezona ziqalo ziphumeleleyo kwishishini le-SAAS ngokukhula okuzinzileyo. Ukutyala imali kwi-AhaSlides ilungile kwimali yakho njengoko unokusebenzisa isixhobo sokubonisa yonke into ngexabiso lokhuphiswano. Bhalisa ku IAhaSlides kwaye wenze uninzi lwemali yakho ngoku.
Imibuzo ebuzwa qho
Ngaba ukutyala imali kwisiqalo licebo elilungileyo?
Utyalo-mali ekuqaliseni kunengqiqo ukuba unemali kwaye ujonge elona thuba lithembisayo lokukhula kunye nenzuzo. Nangona kukho ilahleko ebalulekileyo kunye nengalindelekanga, kukho ithuba lokwenza inzuzo enkulu. Ukuthathela ingqalelo izinto esizicebisayo, unokunciphisa umngcipheko kwaye wandise amathuba akho okuphumelela
Kubizwa ntoni utyalo-mali kwiziqalo?
Igama elithile inkunzi yokuqala ibhekisa kwimali eqokelelwe yinkampani entsha ukuze ihlangabezane neendleko zayo zokuqala.
Olunye uhlobo lwemali mali, esetyenziselwa ukutyalomali kwiinkampani ezincinci kunye nezitsha ezinokuthi zikwazi ukwanda ngokukhawuleza kodwa zihlala zisengozini enkulu.
Ungatyala phi xa uqalwa?
Apha ngezantsi kukho amaqonga amane athembekileyo otyalo-mali oluqalwayo, unokugqiba ukuba yeyiphi elungelelanisa amaxabiso akho kunye neenjongo.
- StartEngine
- Nguyen
- FundersClub
- Umtyali-mali Hunt
Ref: Investopedia
