Indlela yakho yokuKhokela iNgxowa-mali yabatyali-mali beNgelosi

Ukuqala ishishini elitsha kunokuba lucelomngeni, kwaye ukufumana inkxaso-mali kwishishini lakho lamaphupha amaxesha amaninzi yinto enokwenza okanye yaphule yonke into. Kulapho abatyali-mali beengelosi kunye notyalo-mali lwengelosi beza khona, njengenye yeendlela eziqhelekileyo oosomashishini abaninzi abafumana ngayo iimali zabo. Ngoko ke funda ngocazululo lokuba ngoobani abatyali-mali beengelosi, balindele ntoni, bangabafumana phi, kwaye okona kubaluleke kakhulu, indlela yokusebenzisana nabo ukukhulisa ishishini lakho.

Isiqulatho
Yintoni umtyali mali weengelosi?
Utyalo mali lwengelosi lusebenza njani 
Fumana inkxaso-mali

Yintoni umtyali mali weengelosi?

Abatyali-mali beNgelosi bathiywa ngendima abayidlalileyo njengabasindisi bemali. Baqala bavela kumxholo we-Broadway theatre njengabancedisi abaphambili kubugcisa, kwaye kamva, isifundo sikaWilliam Wetzel, unjingalwazi kwiYunivesithi yaseNew Hampshire ngo-1978, bagxininisa indima yabo ebalulekileyo ekuqhubeni ushishino e-US njengababoneleli bembewu yenkunzi.

Ngokusisiseko, ke, abatyali-zimali beengelosi ngabantu abazizityebi abakulungeleyo ukubonelela ngemali yabo yobuqu koosomashishini okanye abaqalayo, ukutshintshiselana nesitokhwe sobunini kwishishini. Inkxaso yemali evela kwaba bantu banexabiso eliphezulu badla ngokubizwa ngokuba yi-angel funding, njengoko besoloko benikezela ngenkxaso yemali ngexesha kwangethuba lokusekwa kweshishini-kaninzi phambi kokuba abaqalisi babonise naziphi na iziphumo ezilungileyo.

Utyalo mali lwengelosi lusebenza njani

             Iinzuzo kunye neengozi zokusebenza kunye nabatyali-mali beengelosi

Xa kufikwa kwimithombo yenkxaso-mali kumashishini okuqala, inkxaso-mali evela kubatyali-mali bengelosi ihlala idweliswe njenge-5 ephezulu, ukuba ayiyo-3 ephezulu, yemithombo yenkxaso-mali enkulu kwiiwebhusayithi zoshishino ezivela kumazwe asakhasayo. Asia kwaye i Phakathi empuma kumazwe aphuhlileyo kwi amantla Emelika kwaye iYurophu. Ke nantsi inkcazo ekhawulezayo yeenzuzo kunye neengozi zotyalo-mali lwengelosi ukuze uqonde ngakumbi lo mthombo wenkxaso-mali ungundoqo.

eziluncedo

1. Ukuvuleleka ngakumbi kwiingozi

Abatyali-mali beNgelosi ngokuqhelekileyo banokunyamezela okuphezulu kwimingcipheko njengoko belawula ngokupheleleyo iimali zabo zobuqu endaweni yokuba baphendule kwiqela leebhanki okanye abatyali-mali abafana noongxowankulu bemali. Oku kubenza ukuba batyale imali kwimibono emitsha okanye engaqhelekanga, engaphandle kwebhokisi yeshishini.

2. I ngcebiso

Abatyali-zimali beeNgelosi bahlala betyala imali kwiinkampani eziphakathi komgca wabo womdla okanye ubuchwephesha, kungoko kunokwenzeka ukuba babe nolwazi olunzulu lweshishini elithile. Nokuba abatyali-zimali beengelosi abanawo amava oshishino, baqhele ukuba ziingcali ezishishineyo ezinobuchule obubukhali kunye nothungelwano olubanzi olunokuthi lube luncedo.

3. Ikuvumela ukuba ufikelele kuthungelwano lweshishini labo

Ngokujonga indima yokucebisa edlalwa ngumtyali-mali wengelosi ukongeza kuncedo lwabo lwezemali, ishishini alinakuxhamla nje kumava abo kodwa nakwiintanethi zabo zentlalo. Abatyali-mali be-Angel banokudibanisa inkampani ngeendidi ezahlukeneyo zoqhagamshelwano eziluncedo, ukusuka kubaxhasi ukuya kubathengi ukuya kubaxhasi abongezelelweyo abanokubakho, abanokuthi bancede ishishini ngezinto ezifana nokukhusela inethiwekhi yonikezelo oluluqilima, ukwabelana ngolwazi olubanzi ngakumbi, kunye nokufikelela kwimithombo yemarike enkulu.

4. Utyalo-mali olusulungekileyo

I-Angel investor fund yeyotyalo-mali olusulungekileyo. Abatyali-zimali beengelosi abajonganga nakuphi na ukubuyisela ngokwemali mboleko esisigxina kunye nenzala. Ngamanye amazwi, nokuba ishishini lihamba ngokukhawuleza, abatyali-zimali beengelosi abayi kucela abasunguli ukuba babuyisele utyalo-mali lwabo.

5. Izibophelelo zobuqu

Ekubeni abatyali-mali beengelosi bachitha imali yabo ngokutshintshiselana ne-equity kwishishini, banesabelo sezemali kwimpumelelo yexesha elide yenkampani, ngokuchasene notyalo-mali olukhawulezayo lweenzuzo zexesha elifutshane. Ngenxa yoko bazimisele ngakumbi ukuzinikela ekuqinisekiseni impumelelo yeshishini.

neengozi

1. Ulawulo lokwabelana ngolawulo

Njengoko abatyali-mali bengelosi bebanga ipesenti ethile yezabelo zeenkampani abatyala kuzo, bathathwa njengabanini. Kwaye ngokuxhomekeke kubungakanani bobunini benkampani, banokusebenzisa isixa esifanayo solawulo kwinkampani njengabaseki, okanye banokuba namalungelo apheleleyo okongamela ngokupheleleyo yonke inkqubo yokwenza izigqibo.

2. Ulindelo oluphezulu

Kanye njengokuba abatyali-zimali beengelosi bengenakuthintelwa yimingcipheko ephezulu yoshishino, banakho ukuseta ulindelo oluphezulu kakhulu, kwaye beza belindele ukubona imbuyekezo ebalulekileyo kutyalo-mali lwabo. Ngenxa yoko amashishini abawaxhasa ngezimali kusenokufuneka asebenze phantsi koxinzelelo olungakumbi. Yiyo loo nto kubalulekile ukuba oosomashishini baqale bavavanye ukuba ukukhula kweshishini kunokuhambelana nolindelo lwabatyali-mali bengelosi.

             Indlela yokufumana abatyali-mali beengelosi

Ukwenza unxibelelwano notyalo-mali lweengelosi

1) Inethiwekhi yomntu ngamnye / iinzame zomntu

Kuba abatyali-mali beengelosi bengabantu endaweni yemali eyinkunzi okanye iinkampani zotyalo-mali, kukho amathuba okuba ubazi ngothungelwano lobuqu, umzekelo:

1. Isangqa sobuqu sabahlobo, usapho, kunye nothungelwano lweshishini: Oku kunokubonakala kucacile, kodwa akukhona nje malunga nokuba abo bakwisangqa sakho sobudlelwane bangaba ngabatyali-mali bengelosi ngokwabo-into ephambili apha malunga nokusasaza amagama ngesangqa esithembekileyo. Eyona njongo iphambili kukubhalisa abalandeli abaninzi kangangoko ukuze bancede babone abatyali-mali abanokubakho.
2. Ukufuna iingcebiso kwiingcali kunye neengcali: Ukuthetha neengcali ezinxulumene neshishini kunye neengcali ezinje ngababalimali okanye amagqwetha asebenza ngokuqalwa anokuthi avule unxibelelwano kuthungelwano lwabatyali-zimali beengelosi.
3. Ukubandakanyeka okusebenzayo kwimisitho enxulumene nokuqalisa: Ukuthatha inxaxheba kwimisebenzi echaphazelekayo enxulumene nokuqaliswa okufana nokhuphiswano lwamashishini okanye iinkqubo ze-incubator zisebenza njengenye indlela enkulu yokwandisa ukuvezwa kubatyali-mali beengelosi.

2) Inethiwekhi yeengelosi ezisemthethweni

Kukho iingelosi ezimbalwa ezisemthethweni kunye namaqela aziwayo akhoyo. Oku kulandelayo yeminye yemithombo ethe ngqo umntu anokunxibelelana nayo. Kuba utyalo-mali lweengelosi luya kusebenza ngokufanelekileyo ngeentlanganiso kunye neengxoxo zasekhaya, makhe sijonge uluhlu ngokwemimandla ethile kwihlabathi liphela:

IngilogI: Iqonga le-intanethi lamazwe ngamazwe elinceda abanini bamashishini bafumane abatyali-mali.

Angel Capital Association: Ibonelela ngoluhlu lwamaqonga otyalo-mali avunyiweyo kunye nemibutho yeengelosi, ngokukodwa kwingingqi yase-United States.

EBAN: I-European Business Angel Network (EBAN) ibekwe njengombutho ongenzi nzuzo kwi-angel investment community.

BANSEA: Business Angel Network of Southeast Asia (BANSEA) yingelosi yotyalo-mali inethiwekhi ekhokelwa liqela labatyali-mali beengelosi baseSingapore. Idibanisa abatyali-mali beengelosi kunye neziqalo ezisanda kuqaliswa eMzantsi-mpuma Asia.

Kuyo yonke eminye imimandla, sebenzisa olu luhlu lungasentla njengenkuthazo yokufumana uthungelwano lwabatyali-mali abafanayo olukufutshane kwishishini lakho!

Iingcebiso zokunxibelelana nabatyali-mali beengelosi

1. Khangela 'abanengqondo efanayo': Ngokufana nayo nayiphi na enye intsebenziswano, ukusebenza nabatyali-mali beengelosi ngokuyimfuneko kuthelekiseka ekufuneni intsebenziswano njengoko beza kuba nesabelo kulo naliphi na ishishini abatyale kulo. Olona phawu lucacileyo lokucinga okufanayo ngabo bazimiseleyo kushishino olunxulumeneyo okanye ngcono nangoku, iimveliso ezithile okanye iinkonzo ezinikezelwa lishishini.

2. Hlala usebenza kwaye ufikelele: Sondeza abatyali-mali abaninzi kangangoko kunokwenzeka, uphucule inkcazo-ntetho yakho kunye nezakhono zokumisa ngenkqubo, kwaye ucele impendulo eyimfuneko ngalo lonke ixesha ukuze uphucule endleleni. Oku akukona nje ukuphosa umnatha obanzi ukwandisa amathuba okudibana nabatyali-mali abafanelekileyo kodwa ikwasebenza njengethuba lokufunda elibalulekileyo lokuphucula umbono weshishini.

3. Lungela: Yenza yonke imisebenzi yasekhaya eyimfuneko kwishishini kubandakanya imbonakalo yemarike, imingeni, kunye nabakhuphisana nabo. Abantu abaninzi banokuba nolwazi oluthile kunye nokuqonda imida yeshishini njengoko ezi izizinto oosomashishini abaninzi abalandela emva koko, kodwa kuqhelekile kuphela abo baliqonda ngenene ishishini ngaphakathi-ngaphandle abanokuxelela izoyikiso kunye nobunzima obunokuphembelela umkhondo wokukhula kwamashishini.

           Ngaba abatyali-mali beengelosi bajonge ntoni kwinkampani?

Ngelixa sonke sisazi ukuba abatyali-mali bafuna inzuzo, umntu usenokuzibuza ukuba yintoni kanye kanye etsala abatyali-mali beengelosi kwishishini? Nalu uluhlu lweekhrayitheriya eziphambili ezisetyenziswa ngabatyali-mali bengelosi ukuvavanya utyalo-mali:

• Amashishini anesakhono esikhethekileyo sophuhliso, anokuvumela abatyali-mali bengelosi ukuba babone imbuyekezo ebalulekileyo kutyalo-mali lwabo, ngokuqhelekileyo phakathi kweminyaka emi-5 ukuya kwemi-7 yexesha.
• Imbuyekezo ephezulu xa ithelekiswa noko abatyali-mali bengelosi abakwaziyo ukuyifumana kwenye indawo, eqhelekile ukuba yipesenti ephindwe kabini kwaye inokuya kuthi ga kwi-50%.
• Amashishini anamandla azinikele ngokupheleleyo kumalinge abo kwaye aseke iqela elinamandla labalawuli abanombono okwabelwana ngawo kunye nesicwangciso soshishino esicingisiswe kakuhle.
• Oosomashishini kufuneka balazi kakuhle ishishini labo kwaye beze nolwazi olunzulu lwemarike ukulungiselela inyathelo ngenyathelo izicwangciso zophuhliso zenkampani kubandakanya nezicwangciso zokukhula kunye nokuphuma.
• Ukuzimisela ukufunda kunye nokuvuleleka kwiingcamango, ukugxeka, kunye nokucebisa, kwaye oku kuthetha ukukwazi ukwamkela isikhokelo kunye neengcebiso ezivela kubatyali-mali beengelosi ngokwabo.

Indlela yokunyusa imali yeengelosi?

Ngokufanayo nezinye iindlela zokunyusa utyalo-mali oluyinkunzi, kukho amanyathelo aqhelekileyo okuhamba kuwo ukuze kunyuswe imali kubatyali-zimali beengelosi. Olu luhlu lulandelayo lubonelela ngamanye awona manyathelo axhaphakileyo okunyusa ingxowa-mali ukwandisa ithuba lakho lokufumana inkxaso-mali:

Inyathelo 1: Fumana isicwangciso sothungelwano kwindawo

Eli nyathelo ngokusisiseko kukusebenzisa iCandelo lesi-2 ngasentla. Qala ngokuchonga inethiwekhi yeengelosi okanye amajelo anqwenela ukwenza ubudlelwane nawo, ngaphambi kokuba ulungelelanise indlela yakho yokusebenza nomntu ngamnye kubo.

Inyathelo lesi-2: Ukwenza umsebenzi wesikolo wasekhaya

Eyona nto ibalulekileyo kweli nqanaba kukwenza ujongo oluchanekileyo nolukhawulezayo “i-pitch” esebenza ukutsala umdla wabatyali-mali abanokubakho. Kwaye qinisekisa ukuba i-pitch inokuxhaswa ngesicwangciso soshishino esibanzi kunye neenkcukacha zemali nanini na xa iceliwe.

I-pitch esebenzayo kufuneka ibe nezi zihloko zilandelayo zigutyungelwe:

• Iimveliso okanye iinkonzo intro, kuquka nabuphi na ubungqina obulungileyo.
• Ukomelela kweemveliso okanye iinkonzo zakho ngokuchasene nokufaneleka kwazo kwiimfuno zangoku nezentengiso zexesha elizayo.
• Ushwankathelo lweziphumo zentengiso kunye nentengiso.
• Uphononongo lwabakhuphisana olukhawulezayo oluzoba uthelekiso neemveliso okanye iinkonzo zakho.
• Iqela lolawulo elikhokela inkampani.
• Isishwankathelo sedatha yemali yangoku kunye noqikelelo lwemali lweminyaka eyi-1-3 elandelayo kunye nenani lebhola lotyalo-mali olufunekayo.

Khumbula ukuba oosomashishini banokucela uncedo kwiingcali ezifanelekileyo kuzo naziphi na izihloko ezidweliswe ngasentla. Ngokomzekelo, idatha yezemali inokusingathwa ngabagcini-mali abaqeqeshiweyo, ngelixa intengiso kunye nolwazi lokuthengisa kwiingcali zentengiso. Injongo kukuqinisekisa "i-elevator pitch" ehlala imfutshane kwaye imnandi kodwa iheha ngokwaneleyo ukubamba umdla wabatyali-mali abanokubakho.

Inyathelo 3: Intlanganiso yokuqala kunye namalungiselelo enkcazo-ntetho

Inyathelo elilandelayo iya kuba kukulungiselela ingxoxo yokuqala kunye neseshini yenkcazo-ntetho. Nika ubuncinci iingcebiso ezimbini zexesha lentlanganiso kubatyali-mali, kwaye ujonge ukukhusela ingxoxo yobuso ngobuso okanye ubuncinci umnxeba wevidiyo ukwakha iingxoxo ezisebenzisanayo kwasekuqaleni.

Inyathelo 4: Iingxoxo ezinzulu kunye nothethathethwano

Nje ukuba umdla phakathi kwamaqela omabini usekiwe, umntu unokudlulela kwiingxoxo ezinzulu ngakumbi kunye nothethathethwano malunga nolwabiwo lwe-equity, ulawulo, kunye nolwakhiwo lwenkxaso-mali. Ukuqhuba ukulandelelana okungaguquguqukiyo kunye nokucwangciswa kakuhle ukuqinisekisa ukuba omabini amacala ahlala enomdla kwaye enomdla wokuqhuba ukuqaliswa phambili.

Fumana inkxaso-mali

Kwabo bafuna ukufumana inkxaso-mali kumashishini abo, utyalo-mali lwengelosi lukhetho oludumileyo olufanele ukuphononongwa. Eli nqaku linike amavandlakanya amandongomane kunye neebholiti zotyalo-mali lwengelosi, kubandakanywa iingenelo kunye neengozi zokusebenza kunye nabatyali-mali bengelosi, apho uzifumana khona kunye neengcebiso zothungelwano ukuze ubazi, kunye nembuyekezo enqwenelekayo ukuba abatyali-mali bengelosi bajonge, kunye namanyathelo angundoqo okukunceda ukuba uphumelele kwinkqubo yokunyusa imali yengelosi. Ukufumana imibono engakumbi yenkxaso-mali kunye namaqonga okunyusa ingxowa-mali, hlala ubukele I-Chovm.com ifundeka Ezinye iinkcukacha.