Ukuba ufuna ukutyala imali kuqaliso olukhulayo lwaseIndiya kodwa ungenayo imali eninzi, ukwindaba ezimnandi. Izinto zitshintsha kakuhle kweli lizwe, kwaye ukutyala imali kwiinkampani ezikhulayo yeyona nto ilungileyo kuyo.
I-Tyke ibonakala iyiprojekthi efanelekileyo kweli candelo.
Ngeempawu zokuvumela abasebenzisi bayo ukuba batyale imali kwi-start-ups ephantsi njenge-Rs.5000, inkampani izise inguqu kwisizwe.
Ndenze uphando olunzulu kule nto, kwaye oku kukuthatha kwam (kunye nokuphononongwa okunzulu) kuyo.
Yintoni uTyke?
I-Tyke inikezela abasebenzisi ukuba benze utyalo-mali ngokukhawuleza kwi-Indian start-ups kunye notyalo-mali oluncinci lwe-Rs.5000 kuphela. Ungaya kwiqonga labo kwaye ujonge kwiinkampani ezahlukeneyo ezidweliswe kwiqonga labo.
Unokufunda i-pitch yenkampani kunye nokusebenza kwangaphambili ukwenza isigqibo esingcono.
Injongo ephambili yeTyke kukuvumela abatyali-mali abathengisayo ukuba bathathe inxaxheba kwindawo yokutshala imali yokuqala kwaye benze inzuzo enhle, njengabatyalo-mali beengelosi.
Kanye kunye nenkxaso eqhubekayo kunye noncedo, iTyke inikezela ngeempawu ezininzi ezinomdla kubatyalo-mali kwaye ibanika ukhuseleko kutyalo-mali lwabo.
Iimpawu zeTyke
Kukho izinto ezininzi ezibonelelwa nguTyke kwi-start-ups kunye nabatyali-mali abathengisayo. Makhe sijonge kubo.
1. Izivumelwano zoTyalo-mali
Njengoko ubhalisela iqonga, ufanelekile ukuba uthathe inxaxheba kwimijikelo yenkxaso-mali yokuqala. Ngojongano olusebenziseka lula, abasebenzisi banokukhangela ngokulula zonke iintengiso ezikhoyo kwaye benze izigqibo zabo.
Unokufunda zonke iinkcukacha malunga nenkampani, irekhodi labo elidlulileyo, indlela abalawula ngayo imisebenzi yabo, kunye nokuba yintoni na ezi nkampani ezinikezela ngayo kubatyali-mali.
2. I-Seamless Onboarding Kubaseki
Ukuba ungumseki kwaye ufuna ukunyusa imali kubatyali-mali abathengisayo okanye ngokuthe ngqo kwindawo yakho, uTyke unokukwenzela umsebenzi.
Ngokulula, bhalisela iqonga. Ibandakanya amaxwebhu angenamaphepha kunye nokuqinisekisa. Fumana zonke iinkqubo zakho zokunyusa imali kwindawo enye kunye neli nqaku.
3. Utyalo-mali kwiNzuzwana nje
Ukuba ugula ngamaphepha angapheliyo kunye nemigaqo ngelixa usenza utyalo-mali, ke ezo ntsuku zihambile.
I-Tyke ikuvumela ukuba utyale imali kwi-start-up ngaphakathi komzuzu. Gqibezela zonke iinkqubo ngaphandle komthungo kwaye ungene kunye notyalo-mali lwakho olufanelekileyo.
Unokusebenzisana nabasunguli benkampani kwaye wazi ngakumbi malunga neeprojekthi zabo.
Unokulawula imimiselo yakho, ufunde onke amaxwebhu enkampani, kwaye ubeke iliso kwiphothifoliyo yakho ngexesha langempela kunye neli nqaku leTyke.
4. Imijikelo yaBucala
Ukuba ungumseki kwaye ufuna ukuba uluntu lwakho lubambelele kuwe kolu hambo, umjikelo wabucala luphawu lwakho lokuya. Kule nto, ungabhukisha umnxeba kunye noTyke, mfutshane iqela malunga nombono wakho, kwaye ucwangcise umjikelo wabucala kunye neqela.
Ungathumela izimemo ezenzelwe wena kubatyali mali nakumalungu oluntu lwakho.
Ude ufumane nokuvuza amalungu akho oluntu okanye abatyali-mali ngesitokhwe senkampani yakho ngokuthe ngqo ngeTyke. Oku kwandisa inethiwekhi yenkampani yakho.
5. Uluntu lwabaTyalo-mali
Wonke umntu uyathanda ukunxibelelana nabantu abanengqondo efanayo, kwaye uyenza oko kwiTyke. Uphawu loluntu lweqonga likuvumela ukuba unxibelelane nabanye abatyali-mali, abaseki bokuqalisa, kunye nabo bonke abanye abasebenzisi beapp.
Unokuthatha inxaxheba kwiiseshoni ze-AMA rhoqo ezizaliswe ngolwazi kunye nolwazi malunga nale ntsimi.
Izixhobo zoTyalo mali zikaTyke
Kukho iindlela ezahlukeneyo zokutyala imali kwisiqalo kunye noTyke. Nangona kunjalo, kutyalo-mali kuza nemingcipheko emininzi yokuphulukana nemali oyisebenze nzima. Ukujongana nale nto, uTyke unento eyaziwa ngokuba yi-T-SAFE.
Yintoni i-T-SAFE
I-T-SAFE yenziwe ngenjongo yodwa yokukhusela umdla wabatyali-mali kunye nokubanika iinkcukacha ezimfutshane malunga nemigaqo nemiqathango yotyalo-mali.
Ifana kakhulu ne-SAFE- Isixhobo sotyalo-mali esisetyenziswa kakhulu ngabatyali-mali be-Angel kunye nee-VCs ezityala imali kuqalo kwihlabathi liphela.
Oku kwenziwa ikakhulu kwiinkampani ezinamaphulo otyalo-mali anamakhulu okanye amawaka abatyali-mali.
I-T-SAFE inikezela ngesabelo sezemali kubatyali-mali kwi-start-ups. Nangona kunjalo, oku akubandakanyi nawaphi na amalungelo okulingana. Ngoku, obu bume bemali buthetha i-CCD(i-Compulsory Convertible Debenture) ngexesha lokukhutshwa. Kamva, oku kuguqulwa kube yi-equity kwimeko yokufunyanwa okanye i-IPO.
Ngoku, i-T-SAFE ixhasa iintlobo ezine ezahlukeneyo zezixhobo zoTyalo-mali eqongeni. Masiqonde indlela asebenza ngayo.
- I-CCD-Imali ebolekwayo ngokuNyanzeliswayo yimali ebolekwayo zizibambiso ezinamalungelo emali afanayo nomnini wenkampani. Nangona kunjalo, abathabathi nxaxheba kulawulo okanye kwiintlanganiso zenkampani, ngokungafaniyo nabanini-zabelo. Abanamalungelo okuvota, kwaye ababonakali kwi-cap table.
- I-CSOP- I-Pool ye-Stock Option Pool sisixhobo sotyalo-mali nguTyke. Kanye njenge-ESOP (i-Employee Stock Option Pool) apho inkampani inikezela ngokulinganayo kubasebenzi benkampani, i-CSOP inikezela ngokulingana kuluntu lwenkampani. Oku kubandakanya akukho malungelo okuvota okanye indawo kwi-cap table. I-CSOP yindlela entle yokubamba uluntu lwenkampani ngolu hlobo. Funda ngakumbi malunga ne umahluko phakathi kweCSOP kunye neCCD.
- NCD- Ukuba ufuna utyalo-mali olukhuselekileyo, yiya kwi-Non-Convertible Debentures(NCD). Ezi ntlobo zokhuseleko lwamatyala akhuselweyo zibonelela ngokhuseleko oluphezulu kubatyali-mali kwaye zibanika umlinganiselo omiselweyo wenzala ngexesha elibekiweyo. Ude ufumane yonke imali yakho yotyalo-mali xa isivumelwano siphelile. NjengeCCD kunye ne-CSOP, i-NCD nayo ayikho kwi-cap table.
- I-CCPS- iSabelo esiThatha ukuGuqulwa ngokuSinyanzelo lukhuseleko oluxutyiweyo olunika ingeniso esisigxina kubatyali-mali kwaye luguqulelwa ngokunyanzeliswayo lube kwizabelo zezabelo. Banamalungelo afanayo emali njengabanini-zabelo benkampani. Nangona kunjalo, abanawo nawaphi na amalungelo okuvota kwaye abezi kwi-cap table.
Iinzuzo zeTyke
1. eyiyo
Enye yeenzuzo eziphambili zeTyke kukuba ibonelela ngokhuseleko loxwebhu olunye ngaphandle kweetoni zamaphepha kunye nezinto ezisesikweni. Ungatyala imali kwisiqalo osithandayo kwimizuzu kwaye usayiqonda yonke imiqathango kunye neemeko zotyalo-mali.
2. Ikhuselekile kwaye ikhuselekile
Ngesivumelwano esenziwe ngesiseko se-T-SAFE, umdla wabatyali-mali uhlala ukhuselwe. Ufumana amalungelo okukhetha kwinkampani, ebhetele kunabanini-zabelo xa kufikwa kwimbuyekezo yotyalo-mali.
Kwimeko yokupheliswa kwenkampani, ufanelekile ukuba ufumane intlawulo yakho kuqala ngesivumelwano se-T-SAFE.
3. Iidili ezifikelelekayo
Hayi, akunyanzelekanga ukuba utyale ii-lakhs zeemali ukuze ube yinxalenye yesiqalo esikhulayo. Ngeentengiso zeTyke, unokutyala imali ephantsi njenge-Rs.5000 kwinkampani. Oku kunika imvakalelo yokhuseleko kunye nokuguquguquka ukuze ukwahluka kwepotifoliyo yakho.
4. Fumana iiNzuzo zoBulungisa ngaphandle kweeHassles ezininzi
Olunye uncedo olukhulu lokuqalisa ngeTyke kukuba ibonelela ngokuLingana kubasebenzisi bayo emva kokuvunywa ngaphandle kokubandakanya indima kunye nomsebenzi womnini wenkampani. Akukho mfuneko yokuba uye kwiintlanganiso zikawonke-wonke zenkampani okanye usayine amaxwebhu anzima.
Inokuphuma ngokulula kakhulu kwinkampani ukuba kukho imfuneko kwaye inika amalungelo amaninzi olwazi kumtyali-mali.
Indlela yokuTyala imali kwiTyke
Ukutyala imali kwi-start-up akuzange kube lula. Ekuphela kwento ekufuneka uyenzile kukukhetha isivumelwano osithandayo, ufunde yonke imiqathango, wenze intlawulo, kwaye ekugqibeleni usayine isivumelwano se-T-SAFE.
Makhe sibone indlela inyathelo-nge-nyathelo ongayenza ngayo utyalo-mali lwakho lokuqala ekuqaleni kunye noTyke.
1. Yiya kwicandelo leeNtengiso kwiDashboard yeqonga
Apha, unokujonga ngokulula kwaye ujonge iinkampani ozithandayo kwaye ufunde zonke iinkcukacha malunga nokusebenza kwazo kunye nolawulo ngokucofa kuzo.
2. Njengoko uvula isivumelwano esithile, uya kufumana ukhetho lokuqhubeka notyalo-mali.
3. Qaphela ukuba awuzukwazi ukuqhubela phambili kwesi sivumelwano ngaphandle kokuqinisekisa i-KYC yakho. Oku kwandisa ukhuseleko kunye nokuthembeka kwabatyali-mali kunye nenkampani.
4. Ngoku, unokukhetha iimali ofuna ukuzisebenzisa kutyalo-mali ekuqaleni. Uya kukwazi ukubona isixa esipheleleyo, iirhafu ezibandakanyekayo, kunye nesambuku sokugqibela ekufuneka sihlawulwe.
5. Emva kokwenza intlawulo, unokufumana lula utyalo-mali lwakho kwicandelo lakho le-analytics.
6. Inyathelo lokugqibela eliseleyo ekugqibezeleni utyalo-mali lwakho kukusayina isivumelwano se-T-SAFE. Ukwenza oko, vula isivumelwano se-T-SAFE kwaye uqalise inkqubo yokusayina i-E.
7. Unokukhetha utyikityo lwakho kwaye ugqibezele yonke inkqubo. Ungasathethi ke, kuthatha imizuzu emi-5 ukugqiba yonke inkqubo yotyalo-mali.
8. Emva kokungena kwi-OTP, uya kukwazi ukuvala isivumelwano kwaye ube yinxalenye yesiqalo sakho esifanelekileyo.
Isebenza kakuhle njani iTyke Standup ngokuchasene neGrip kunye neKlub
Ngeenketho ezimbalwa ezikhoyo kwimarike, kuyadida ukukhetha elona qonga lilungileyo lokutyala imali. Okwangoku, icandelo lotyalo-mali lokuqala lilawulwa ziinkampani ezintathu-Grip, Klub, kunye neTyke.
Ke, masithelekise omathathu kwaye sigqibe ukuba yeyiphi ebalaseleyo phakathi kwezinye.
Yintoni ephetheyo?
Grip liqonga lotyalo-mali lwedijithali elivumela abasebenzisi bayo ukuba batyale imali kwii-asethi ezahlukeneyo ezizezinye. Ezi mpahla zitshintshanayo ziquka utyalo-mali lokuQesha, uTyalo-mali kwi-Inventory, uTyalo-mali loRhwebo lwezindlu ezithengiswayo, kunye noTyalo-mali loBulungisa ngokuQala.
NgeGrip, unokutyikitya ngokulula onke amaxwebhu kwi-Intanethi kwaye ufumane nayiphi na impahla ye-asethi kubutofotofo bendlu yakho.
Yintoni Iqela?
Utyalo-mali lweempawu zabathengi njenge-FMCG, ifashoni, kunye nemirhumo.
Iimpawu zinengeniso encinci ye-15 lakh kunye ne-60-70% yengeniso epheleleyo
Umsebenzi we-Klub liqonga lotyalo-mali elisebenza kwiimpawu zabathengi abavela kumacandelo afana ne-FMCG, iFashoni, iimodeli zobhaliso, kunye nokunye. Iqonga livumela abasebenzisi ukuba batyale imali ngokuthe ngqo kwezi mpawu kwaye bafumane imbuyekezo esisigxina yenyanga. Ikwabonelela ngeempawu zabathengi iinkonzo ezilungileyo zokunyusa ingxowa-mali kunye nemijikelo yabucala.
Njengoko sele sixoxile noTyke, ngoku siza kuthelekisa iimpawu kunye nezibonelelo zazo zontathu iinkqubo zokusebenza.
Iimpawu zeTyke
- Utyalo-mali lokuqala oluqala nge-Rs.5000 kuphela
- Izixhobo zotyalo-mali ezininzi
- Fumana imbuyekezo yenyanga emiselweyo
- Inika onke amalungelo emali omnini sabelo
- Ukungena ngokukhawuleza kunye notyalo-mali
Iimpawu zokubamba
- Ukhetho lotyalo-mali kwezinye iiasethi ezibandakanya ukuqeshisa, i-Commercial Real Estate, i-Inventory, kunye ne-Start-ups
- Amaxwebhu angaphantsi kwephepha
- Ubuncinci botyalo-mali luqala kwi-Rs. I-10,000 kwii-asethi eziqeshiswayo
- Imbuyekezo esisigxina yenyanga kubatyali-mali
- Gqibezela ukubhalisa utyalo-mali lwakho ngophawu lwe-E
Iimpawu zeMisebenzi yeKlub
- Tyala kwiimpawu zabathengi
- Funda yonke i-pitch kunye nerekhodi yezemali yeenkampani
- Fumana malunga ne-18-25% yembuyekezo yenyanga
- Fumana inkunzi yeNgeniso-eNxibelele ngaphandle kokudilutywa
- Ubonelela ngeNkxaso-mali yeTyala
Emva kokuhlalutya onke amaqonga otyalo-mali mathathu, inye into eqinisekileyo, iIndiya ibona ukukhula okumangalisayo kwicandelo leshishini. Ngeempawu ezininzi ezahlukeneyo kunye neenkonzo, abantu ngoku banokwenza ngokulula utyalo-mali kwiinkampani ezikhulayo ngaphandle kokuba nee-rupees ezininzi.
I-stock market ibika kuphela i-3% yamaNdiya athatha inxaxheba kwiimarike. Nangona kunjalo, le nyaniso imbi ibonakala ithatha inguqu njengoko abatyali-mali abaninzi abathengisayo bebonakala benomdla kwicandelo lotyalo-mali lokuqala.
Emva kokusebenzisa zonke iiplatifti zontathu okwethutyana, sinokuthi zizalisekisa iimfuno ezahlukeneyo zabasunguli kunye nabatyali-mali. Masiyiqonde le nto ngothelekiso olufutshane lwawo onke amaqonga mathathu.
- I-Tyke inikezela ngemali encinci ye-Rs.5000, ephantsi phakathi kwabanye abadlali kwiimarike
- I-Grip app ibonelela ngotyalo-mali lokuQesha kunye noTyalo-mali lweNdawo yoRhwebo, into engafumanekiyo eTyke okanye eKlub.
- Omathathu amaqonga abonelela ngamaxwebhu angenamaphepha kunye nokukhwela ngaphandle kobunzima.
- I-Tyke ibonelela ngokulinganayo kubatyali-mali njengendlela yokukhetha, ngelixa i-Klub ivumela abaseki bayo ukuba banyuse imali ngaphandle kokunciphisa.
- I-Tyke igxile kakhulu ekubambeni uluntu lwabaqalayo ngokunikezela ngezixhobo zotyalo-mali eziguqukayo ezifana ne-CSOP. I-Klub kunye ne-Grip, zijolise ngakumbi ekunikeni amathuba otyalo-mali kubatyali-mali abathengisayo kunye neemali zokuqalisa njengeenjongo zabo eziphambili.
- Ufumana izivumelwano ezininzi kwiGrip kunye neKlub xa kuthelekiswa neTyke okwangoku
Ngokubanzi, onke amaqonga mathathu alungile kumacandelo ahlukeneyo. Ukuba unomdla nje kutyalo-mali lwe-equity ekuqaleni, i-Tyke inokuba yinto efanelekileyo kuwe.
Kodwa, ukuba uthembela ekuQekiseni utyalo-mali okanye kutyalo-mali kwiinkampani zabathengi ezibonelela ngexabiso kumgangatho osezantsi, ungaya kwiGrip okanye iKlub ngaxeshanye.
isiphelo
Emva kokuphonononga iqonga leTyke kunye nokulithelekisa nabakhuphisana nabo, kucace gca ukuba iTyke ibonelela ngexabiso eliphantsi kunye nexabiso eliphantsi kubasebenzisi bayo kuneGrip kunye neKlub.
Ngezixhobo zayo ze-CSOP kunye neCCD, ufumana utyalo-mali olulungileyo kumdla wakho. Isivumelwano se-T-SAFE esibonelela ngokhuseleko kunye noguqulo olusulungekileyo lwezibambiso zibe yi-equity ikwayinto ekufanele isetyenziswe.
Ngokubanzi, uTyke unika amathuba amaninzi okuqalisa akhulayo kunye nabatyali-mali abathengisayo ukwenza okuninzi ngemali yabo. Ndazise ukuba ucinga ntoni ngeqonga kunye nokuba uya kutyala imali yakho kweli qonga okanye hayi.
FAQs
Ngaba kukhuselekile ukutyalomali kwi-start-ups?
Ukutyala imali kwisiqalo kubandakanya umngcipheko omkhulu kumtyali-mali. Kwiminyhadala yokupheliswa kwenkampani, kunokwenzeka ukuba uphulukane nesixa sakho esiyintloko. Ke ngoko, kunyanzelekile ukuba ufunde yonke imiqathango kunye neemeko kwangaphambili.
Ngaba umntu unokutyala imali kwisiqalo?
Ayekho loo maxesha apho kuphela i-VCs kunye nabatyali-mali be-Angel babenayo yonke ijusi kwiinkampani ezikhulayo. Ngokungeniswa kwamaqonga otyalo-mali okuqala afana neTyke, unokutshala imali ngokulula kwisiqalo esidweliswe kwiqonga kunye ne-ID karhulumente esebenzayo kunye nobuncinci beminyaka eyi-18.
Ngaba kusemthethweni ukutyala imali kwi-start-ups?
Kusemthethweni ngokupheleleyo ukutyalomali ekuqalisweni kweli lizwe. Nangona kunjalo, ayikalawulwa.
Athini amalungelo am njengomtyali-mali eTyke?
Unamalungelo amaninzi xa usiba ngumtyali-mali eTyke. Ulwazi oluchanekileyo lukuvumela ukuba ufumane zonke iinkcukacha malunga nenkampani, ukusebenza kwayo kwangaphambili, kunye nengeniso. Ufumana amalungelo emali ngotyalo-mali lwakho, okuthetha ukuba unokuthengisa ngokulula utyalo-mali lwakho kwiimarike zesibini okanye ngokudibeneyo xa kukho i-100% yokuthengwa kwenkampani.
Ngaba ndingathetha nabaseki benkampani endityala kuyo?
Ewe, kunye noluntu lwaseTyke, unokunxibelelana ngokulula nabasunguli beenkampani kunye nabanye abatyali-mali.
Shiya iMpendulo