Usomashishini owathatha ishishini lakhe lezacholo zeSapho kwaye waphazamisa ishishini

Buchroeders

, wayengenamdla wokuqhuba elinye nje ishishini lokuthengisa izacholo. Endaweni yoko usomashishini wesizukulwana sesithathu ujonge indlela anokuphazamisa ngayo ishishini lakudala.

Wakwenza oko ngokuguqula ishishini libe li jewelry elixubeneyo kunye nenkampani yezemali, waqalisa igama elithi jewelry equity lending, nokudala imarike entsha yemali kubatyali-zimali kunye noosomashishini ukuba bafikelele kwinkunzi yexesha elifutshane yokwandisa iipotfoliyo zabo ngokuboleka ngokuchasene ne-equity kwizacholo zabo. Namhlanje

IBhanki yeDayimane,

njengoko icandelo elitsha lezemali lisaziwa, lineendawo ezininzi kulo lonke elaseU.S.

Ukusukela ngokokude akhumbule uMenser wayenephulo elikhulu lokuphumelela kweshishini. Kangangokuba ukugqiba kwishishini lezacholo ekuqaleni kwakungaphezulu malunga nokwandisa ithuba kunothando lweshishini.

Uthi: Mna notata saxubusha ngethuba lokuba ndithelele ishishini lentsapho kwasebuntwaneni, ukubonelela ngemiphumo yam nempumelelo emsebenzini wam kwandifumana elo lungelo.

Emva kokusebenza kwinkampani ebuntwaneni bakhe, uMenser ekugqibeleni wayifumana indawo yakhe kuluhlu lolawulo. Nge-18 wayengumthengisi wabo ophezulu kwaye wenziwa umphathi wentengiso, ehamba isikolo sasebusuku kwaye esebenza ixesha elizeleyo emini. Ngeli xesha utata wakhe waqala ukucinga ngokuthatha umhlala-phantsi, nto leyo eyakhokelela ekubeni uMenser athenge inkampani eneminyaka engama-24.

Phantse ngoko nangoko wagqiba ekubeni atshintshe imodeli yeshishini. Kwacaca kum ukuba imodeli yokuthengisa yendabuko yaphukile, utsho. Abathengi bafuna amaxabiso angcono, udidi olukhethekileyo, ukungafihli, kunye nokungaxutywanga, kodwa basenamava okuthenga obutofotofo. Inkampani yayisebenza kwaye inenzuzo xa ndandiyithenga, kodwa idinga ukusungulwa kwakhona ukudala ukukhula.

Weza nombono wobucwebe obuxutyiweyo kunye nenkampani yezemali ngokuchonga umsantsa kwimarike. Bezingekho iinkampani ezinobunewunewu ezinikezela ngemenyu yokhetho lwemali yokuhlawula amatyala kubathengi abanqwenela ukunyusela i-equity kwizinto zobucwebe abanazo kunye nokwandisa imbuyekezo yabo xa ithe yathengiswa ngokuthe ngqo.

Ukubonelela ngenkunzi kuhlala lishishini elilungileyo kwaye yaba yinto endiyithandayo, utshilo uMenser.

Icandelo le-Diamond Banc laqanduselwa kwiimfuno zabathengi ngo-2008. Abantu babefuna ukuthengisa izinto ngokuthe ngqo, kodwa abantu abambalwa babuza malunga nokuboleka iimali ezinkulu ababengenakukwazi ukwahlukana nazo.

Ngelixa zazininzi iinkampani ezithengisa ubucwebe bezinto zobucwebe bekungekho nto ixhaswe kakuhle, abathengi bezacholo abaziingcali abanolwazi lokuthathela ingqalelo yonke into eyongeza ixabiso xa kuthengwa iidayimani kunye nobucwebe obuhle.

Iivenkile ezifana nee-pawnshops zihlala zingenabo ubuchwephesha bokuvavanya ixabiso lokwenyani ledayimani, kwaye ngenxa yoko, azixabisekanga iidayimani.

Ndichonge izicelo zokuboleka imali njengenkonzo iDiamond Banc enokuba yeyona ibalaseleyo esizweni xa inikezela, utshilo uMenser.

Ukufuna ukugcina icandelo lokuthengisa, i-Buchroeders, ihluke kwi-Diamond Banc, i-Mesner yavula isebe lokuqala le-Diamond Banc kwi-2008 kwi-ofisi encinci isibini seebhloko kwivenkile yokuthengisa.

I-bootstrapped ekuqaleni, kwaye yaqala nge-$ 20,000 kwi-akhawunti yokutshekisha, uthi. Ndigalele i-nickel ukwenza idime ngokuphindaphindiweyo. Ukusuka apho, ndafumana inkxaso kwiibhanki zemveli ezikhule ngeDiamond Banc. Okulandelayo, sithathe inkunzi yabucala ngendlela yemali mboleko, sibuyisela inzala yentengiso engaphezulu kodwa asizange sincame nabuphi na ubunini.

Ngo-2018 i-Diamond Banc ibambisene ne-Diamond Cellar Holdings, enye yezona zinto zinkulu zabucala ezithengisa ubucwebe elizweni ukukhawulezisa ukwandiswa kohlobo kunye nee-ofisi kwilizwe lonke.

Inkalo ekhethekileyo ye-Diamond Banc kukuba yinkampani yedijithali yemveli kwishishini lemveli kakhulu, iphakamisa i-SEO yesizwe kwimimiselo yokukhangela enxulumene nokuboleka imali ngokuchasene nobucwebe.

UMenser uyavuma ukuba ukufumana abathengi ukuba bathumele ezona asethi zabo zixabisekileyo ukuze baboleke imali kwaye bathembe ukuba baya kufumana iimali ezixhaswe ngeentambo ngumceli mngeni. Uthi: Siyakoyisa oku ngamakhulu ophononongo lwabathengi abalungileyo kwi-intanethi, umxholo omninzi wevidiyo ofundisayo, kunye neqela elinobuchule kakhulu, elinolwazi, kunye neqela eliphendulayo labanxibelelanisi abakhulu.

I-Diamond Banc okwangoku ineeofisi ezisixhenxe kwilizwe lonke, eceba ukuphinda kabini phakathi kweenyanga ezingama-24 ezizayo, kwaye iphumeze kwaye ixhase ngemali mboleko engaphezulu kwama-3,000.

Izicwangciso zexesha elizayo ziquka ukuvulwa kwee-ofisi ezininzi kwiindawo zedolophu, ukuqhubeka nokuphindaphindeka kabini ekukhuleni kwe-intanethi, ukongeza iibhegi zomyili kwimenyu yesibambiso esamkelweyo, kunye nokufikelela ekujoliswe kuko kokuba nencwadi yemali-mboleko esebenzayo ngaphezulu kwe-100 lezigidi zeedola.

Ukutshintsha ishishini eliqhutywa yintsapho elenze izinto ngendlela ethile kangangeminyaka emininzi akuyongxaki. UMenser uthi ukuze inguqu yeshishini losapho iphumelele, ilungu elitsha losapho kulawulo kufuneka libe nomdla ofanayo okanye omkhulu, amandla kunye nokuqhubela phambili kunowandulelayo.

Abathengi bavote ngeedola, kwaye bambalwa abakhathalayo namhlanje ukuba ishishini abasebenzisana nalo lelosapho, utshilo. Inkxalabo lixabiso, amava kunye nokusebenza kakuhle.

Ukwanika imbeko kusapho ngokuxhasa iinzame zakhe kunye nakuyise ngokumnika ithuba elikhokelele ekusungulweni kweDiamond Banc, wongeza ngelithi.:

Uninzi lwezifundo endizifundileyo kuye kunye nemilinganiselo awandifundisa yona ngokuzingisa, ukuziphatha komsebenzi, ukuzithemba, iziphumo, ukuthengisa, ukwamkela iimpazamo kunye nokuthatha uxanduva ukuqhubeka nenkonzo yeDiamond Banc kunye neBuchroeders.