Inzuzo iwumgomo oyinhloko wabo bonke abatshalizimali. Kodwa izinzuzo zesikhathi eside nezisimeme azikwazi ukubonwa ngokushesha. Uma ingozi inkulu, inzuzo iyanda. Ngakho-ke, abatshalizimali abaningi bahlose ukwenza inzuzo esheshayo ngokutshala imali enkampanini engase ibe yisiqalo.
Ngakho-ke, singakwazi kanjani ukuthi ukutshala imali ekuqaliseni kuwufanele noma cha? Kungakhathaliseki ukuthi inamandla okwenza imali eningi futhi ikhule? Sikugwema kanjani ukukhohliswa izinkampani eziyizipoki? Lesi sihloko sizokunikeza lonke ulwazi oludingayo ukuze unqume ukuthi uzotshala noma cha ekuqaliseni.
Okuqukethwe
Faka imali ezethulweni zakho ukuze udonse ukunaka kwezithameli zakho lapho uqala ukuzibona!
Imibuzo emi-4 okufanele uyibuze ngaphambi kokutshala imali kuma-Startups
Ngokocwaningo lwakamuva, kuzo zonke eziyishumi zokuqala, abathathu noma abane behluleka, abathathu noma abane babuyisela imali yabo yokuqala, futhi oyedwa noma ababili bayachuma ngemva konyaka owodwa.
Ukuqonda inani lakho lasempumalanga nelokuqala kubalulekile ngaphambi kokufaka imali yakho ekuqaleni. Ukuze ugweme ukulahlekelwa yimali, kufanele uzibuze imibuzo emine. Kuzokusiza ukucacisa ukukhathazeka kwakho mayelana nokutshalwa kwezimali kokuqala.
Liyini Inani Elinikezwa Yinkampani?
Abaninimasheya kufanele bahlole inani lezinto eziguquguqukayo ezibalulekile ukuze banqume ukuthi ibhizinisi liyithuba eliqinile lokutshala imali. Izinkampani kuphela ezingaletha inani kumakhasimende ezingakhula futhi zenze inzuzo.
Nazi izici ezingu-6 okudingeka uzicabangele:
- Indzawo: Ukuhlola amathuba empumelelo yesiqalo, kubalulekile ukuthi uqale ucwaninge imboni esebenza kuyo. Kubandakanya ukuqonda usayizi wamanje wemakethe, ukukhula okucatshangelwayo, kanye nesimo sokuncintisana.
- Product: Ukuqonda isevisi noma umkhiqizo wokuqalisa kubaluleke kakhulu ekuhloleni amathuba ayo okuphumelela.
- Iqembu labasunguli: Ulwazi, amakhono, kanye nerekhodi lomkhondo labantu abasungula kanye nethimba labo lichaza impumelelo yesiqalo. Eqinisweni, ukuziphatha, izimo zengqondo, kanye nezindlela zabantu abahlanganisa isiko elihle lendawo yokusebenza kubonisa isiko lenhlangano.
- I-traction: Abatshalizimali kufanele bacabangele ukukhula kwabasebenzisi benkampani, izinga lokuzibandakanya, ukugcinwa kwamakhasimende amazinga, kanye nokukhula kwenzuzo ukucacisa ukuthi inkampani ithini ukusebenza kwesikhathi eside.
- I-ROI (Buyela Kutshalomali): Inkomba ye-ROI iyindlela yokuhlola ukusebenza kahle kokutshalwa kwezimali, okubalulekile uma ufuna ukutshala noma ukwenza ibhizinisi kunoma yimuphi umkhakha. Le nkomba izokutshela ukuthi ingakanani inzuzo oyitholayo ekutshaleni kwakho.
- Isithunywa: Uma ukuqalisa kwakho kungenanjongo echaziwe, kungase kubonakale kungenangqondo.
Isikhathi eside kangakanani Ungakwazi yini Ukulinda Izimbuyiselo Zakho?
Ukutshala imali kuwumdlalo wesikhathi eside, kodwa kufanele ube nomuzwa wesikhathi esibekiwe ukuze ukwazi ukusiqhathanisa nalokho okulindele. Abanye abantu bangalinda ngokunethezeka iminyaka eyishumi ukuze bathole umholo wokuqala, kuyilapho abanye bengase bafune ukubuyisela imali yakho esikhathini esingangonyaka owodwa kuya kwemibili; konke kuncike ezintweni eziza kuqala kuwe.
Iyini Isilinganiso Esilindelwe Sokubuyisela?
Futhi, ukuhlaziya imbuyiselo engaba khona ekutshalweni kwezimali (i-ROI) ehlotshaniswa nokuqaliswa okuthile kuyimfuneko kubatshalizimali abagxile ekwandiseni izinzuzo.
Lapho ubala izimbuyiselo, khumbula noma yiziphi izinkokhelo noma izinkokhiso ezihlobene nokutshalwa kwezimali. Khumbula ukuthi ukuphakama kwezindleko ezihlobene nokutshalwa kwezimali okuthile, inzuzo iyancipha.
Ingabe Likhona Isu Lokuphuma Elichazwe Kahle?
Ukuba neqhinga lokuphuma elicacile kubalulekile kunoma yikuphi ukutshalwa kwezimali, ikakhulukazi ukutshala imali ekuqaleni. Abatshalizimali kufanele baqonde ukuthi bangalukhipha nini futhi kanjani utshalomali lwabo lokuqala, kanye nanoma yiziphi izinzuzo ezihlobene. Umtshali-zimali oyingelosi, isibonelo, angathanda ukwazi ukuthi bazokwazi nini ukuthengisa amasheya abo esitoko. Futhi, yingakho kubalulekile ukwazi isikhathi esidingekayo ukuze uqiniseke ukuthi ungase uhambe ngesikhathi okhululekile ngaso.
Izingozi Nemivuzo Lapho Utshala Ku-Startups
Kunezinzuzo nezinkinga zokutshala imali ekuqaliseni. Ngakolunye uhlangothi, ukutshala imali ekuqaliseni kungaba yindlela enhle kakhulu yokuba usozigidi ngokushesha. Ukuqala, ngakolunye uhlangothi, kuvame ukutshalwa kwezimali okunobungozi obukhulu ngaphandle kweziqinisekiso.
Izingozi lapho utshala imali ekuqaliseni:
- Kukhona ingozi enkulu ye-ghost corporation.
- Kukhona ukushoda kwedatha yokusebenza kwezimali kanye nomqondo wenkampani osunguliwe.
- Ukungafihli akukho.
- Izingozi ezengeziwe zifaka ukuncishiswa kobunikazi, ubungozi bokulawula, kanye nobungozi bemakethe.
- Illiquidity
Imiklomelo lapho utshala imali ekuqaliseni:
- Amathuba emivuzo ephezulu.
- Ithuba lokuba yingxenye yenoveli ethile futhi ejabulisayo.
- Ithuba lokutshala imali kusenesikhathi enkampanini ethembisayo.
- Ithuba lokuxhumana nabasunguli nabanye abatshalizimali.
- Kufanele ukwazi ukuhlukanisa iphothifoliyo yakho yokutshala imali.
Izindlela Ezi-3 Ezinhle Zokutshala Kuqala Kwabaqalayo
Kusukela ezigabeni zokuqala zokuqalisa, abatshalizimali abagunyaziwe abanobudlelwano obuhle bazoba namathuba amaningi okubamba iqhaza. Phakathi neminyaka emibili edlule, iholo lakho lonyaka kufanele lidlule u-$200,000 ($300,000 uma lihlanganisa izimpahla zomshado wangemva komshado) ukuze ufanelekele ukuba ngumtshali-zimali ogunyaziwe. Kudingeka futhi ukuthi ube nenani lesamba lempahla engaphezu kwesigidi esingu-$1, ngaphandle kwenani lendlu yakho yokuhlala .
Eqinisweni, isibalo esikhulu sabantu besigaba esiphakathi abanaso imali engaka yokuba ngonxiwankulu. Kunalokho, ungaqala ukutshala imali ekuqaliseni ngesabelomali esilinganiselwe njengala masu alandelayo:
Tshala imali ngokusebenzisa inkundla ye-crowdfunding
Uma ungeyena umtshali-zimali ogunyaziwe, sincoma ukuthi ucwaninge ezinye izinkundla ze-crowdfunding. Ungabheka ukuqalisa okuningi okunikezwayo ngokuvakashela enye yalawa mawebhusayithi. Ungabe usukhetha ukuthi yimaphi amabhizinisi nokuthi yimalini ofuna ukutshala kuyo.
Kukhona iziza ezidumile neziphephile zokuqoqa imali ongazibhekisela kuzo njenge-Wefunder, StartEngine, SeedInvest,….
Amabhondi esikhundleni sezitoko
Ukuthenga Amasheya, amasheya angama-fractional, kanye nezabelo, kuvame kakhulu ekutshalweni kwezimali, kodwa siyakhohlwa ngezikhathi ezithile ukuthi singase futhi sitshale futhi sithole imbuyiselo ngokunikela ngokuboleka imali ekuqaleni, okubizwa nangokuthi amabhondi. Inzalo engaguquki ikhokhwa ngamabhondi kubabolekisi ngokuhamba kwesikhathi kuyilapho amasheya akhula kuphela ngevelu yokuthengiswa kabusha.
Faka imali uma inkampani iba sesidlangalaleni nge-IPO.
Enye indlela enhle yabatshalizimali iwukuthenga amasheya ngesikhathi somnikelo wokuqala wenkampani (IPO). Le nkampani yenza amasheya ayo atholakale emphakathini emakethe yamasheya ngesikhathi se-IPO. Noma ubani manje angakwazi ukuthenga amasheya, okwenza kube yithuba elihle lokubamba iqhaza ekuthuthukisweni kwesikhathi eside kwebhizinisi.
Umugqa Ongezansi
Lonke utshalomali olunenzuzo lokuqala luqala ngokuqonda ngokucacile isiqondiso somtshali-zimali kanye nokubaluleka kombono webhizinisi wenkampani. Ukusebenza nefemu yemali esebenza kanzima noma abatshalizimali abaqalayo kungase kukunikeze umhlahlandlela nokwesekwa okwengeziwe njengoba uthuthukisa uhlelo lwakho lokutshala imali.
💡Ukutshala imali kokuqalisa kuthatha isikhathi kodwa kunomvuzo. I-AhaSlides ingesinye sesiqalo esiphumelele kakhulu embonini ye-SAAS ngokukhula okuzinzile. Ukutshala imali ku-AhaSlides kuyilungele imali yakho njengoba ungasebenzisa ithuluzi lesethulo le-in-one ngentengo yokuncintisana. Bhalisa ku I-AhaSlides futhi uyisebenzise ngokugcwele imali yakho manje.
imibuzo ejwayelekile ukubuzwa
Ingabe ukutshala imali ekuqaliseni kuwumqondo omuhle?
Ukutshala imali ekuqaliseni kunengqondo uma unemali futhi ubheka ithuba elithembisayo lokukhula nenzuzo. Nakuba kunethuba lokulahlekelwa okuphawulekayo nokungalindelekile, kubuye kube nethuba lokwenza inzuzo enkulu. Ngokucabangela izici esiziphakamisayo, unganciphisa ubungozi bakho futhi wandise amathuba akho okuphumelela
Kubizwa ngani ukutshala imali ezimbonini zokuqala?
Igama imali yokuqala ibhekisela emalini eqoqwe inkampani entsha ukuze ihlangabezane nezindleko zayo zokuqala.
Olunye uhlobo lwezimali imali yokuthengisa, esetshenziselwa ukutshala izimali ezinkampanini ezincane nezintsha ezingase zikhule ngokushesha kodwa futhi ezivame ukuba sengozini enkulu.
Ungatshala kuphi ekuqaliseni?
Kufakwe ohlwini ngezansi izinkundla ezine ezithenjwa kakhulu zokutshala izimali zokuqala, ungakwazi ukunquma ukuthi iyiphi eqondanisa amanani akho nemigomo.
- StartEngine
- I-OurCrowd
- FundersClub
- Ukuzingela Kwezimali
Ref: Investopedia
