Usomabhizinisi Othathe Ibhizinisi Lomndeni Wakhe Lobucwebe Waphazamisa Imboni

Ama-Buchroeders

, wayengenaso isithakazelo sokuqhuba elinye ibhizinisi lokudayisa ubucwebe. Esikhundleni salokho, usomabhizinisi wesizukulwane sesithathu wabeka amehlo akhe ekutheni angaphazamisa kanjani imboni endala kakhulu.

Ukwenze ngokuguqula ibhizinisi libe yinkampani yobucwebe eyingxube kanye nezezimali, wasungula igama elithi jewelry equity lending, nokudala imakethe yemali entsha ukuze abatshalizimali nosomabhizinisi bathole imali yesikhathi esifushane yokwandisa iphothifoliyo yabo ngokuboleka ngokulingana nobucwebe babo. Namuhla

I-Diamond Banc,

njengoba kwaziwa isigaba esisha sezezimali, sinezindawo eziningi kulo lonke elase-U.S.

Kusukela emuva njengoba ayekhumbula uMenser wayenentshisekelo enkulu yokuphumelela kwebhizinisi. Kangangokuthi ekugcineni ukungena ebhizinisini lobucwebe ekuqaleni bekumayelana nokukhulisa ithuba kunothando lwemboni.

Uthi: Mina nobaba saxoxa ngethuba lokuba ngingene ebhizinisini lomkhaya kusukela ngisemncane, ukunginikeza imiphumela nempumelelo emsebenzini wami kwangilethela lelo lungelo.

Ngemva kokusebenza enkampanini ebuntwaneni bakhe, uMenser wagcina eyitholile indawo yakhe ezinhlwini zokuphatha. Lapho eneminyaka engu-18 wayengumthengisi wabo ophezulu futhi wenziwa umphathi wezokuthengisa, efunda esikoleni sasebusuku futhi esebenza isikhathi esigcwele phakathi nosuku. Ngalesi sikhathi uyise waqala ukucabanga ngokuthatha umhlalaphansi, okwaholela ekutheni uMenser athenge inkampani eneminyaka engu-24.

Cishe ngaso leso sikhathi wanquma ukushintsha imodeli yebhizinisi. Kwaba sobala kimina ukuthi imodeli yendabuko yokudayisa yaphukile, uthi. Amaklayenti afune amanani angcono, ukukhethekile kwesigaba, obala, kanye nokungafaki izinto, nokho ulwazi lokuthenga oluwubukhazikhazi. Inkampani ibisebenza futhi yenza inzuzo ngesikhathi ngiyithenga, kodwa idinga ukusungulwa kabusha ukuze idale ukukhula.

Uqhamuke nombono wenkampani yobucwebe eyingxube nezezimali ngokuhlonza igebe emakethe. Bezingekho izinkampani zikanokusho ezinikeza imenyu yezinketho zokuthola imali kumakhasimende abefisa ukusebenzisa ukulingana izinto zobucwebe anazo kanye nokukhulisa imbuyiselo yazo uma kwenzeka kudayiswa.

Ukuhlinzeka ngemali kuyibhizinisi elihle njalo futhi kwaba intokozo yami yangempela, kusho uMenser.

Uphiko lwe-Diamond Banc lwaqalwa ngaphandle kwezidingo zamakhasimende ngo-2008. Abantu babefuna ukudayisa izinto ngokuqondile, kodwa abambalwa babuza ngokuboleka izingcezu ezinkulu ababengenakukwazi ukuzihlukanisa nazo.

Yize bekunezinkampani eziningi ezithengisa ubucwebe cishe bezingekho abathengi bobucwebe abaxhaswe kahle, abanolwazi lokucabangela yonke into engeza inani lapho kuthengwa amadayimane nobucwebe obuhle.

Izitolo ezinjengama-pawnshops zivame ukuntula ubuhlakani bokuhlola inani langempela ledayimane, futhi ngenxa yalokho, ngokuvamile awadli ngamadayimane.

Ngikhombe izicelo zokubolekwa kwemali njengesevisi i-Diamond Banc engaba ehamba phambili esizweni ukuyinikeza, kusho uMenser.

Ifuna ukugcina isigaba sokudayisa, iBuchroeders, sihlukene ne-Diamond Banc, uMesner wavula igatsha lokuqala le-Diamond Banc ngo-2008 ehhovisi elincane amabhulokhi ambalwa esitolo sokudayisa.

I-bootstrapped ekuqaleni, futhi yaqala nge-$ 20,000 ku-akhawunti yokuhlola, uthi. Ngitshale i-nickel ukuze ngenze i-dime ngokuphindaphindiwe. Kusuka lapho, ngathola ukwesekwa emabhange endabuko akhule ne-Diamond Banc. Okulandelayo, sathatha imali yangasese ngendlela yemalimboleko, sibuyisela inzalo engaphezulu kwemakethe kodwa asizange siyeke noma yibuphi ubunikazi.

Ngo-2018 i-Diamond Banc ibambisene ne-Diamond Cellar Holdings, enye yezinkampani ezidayisa ubucwebe ezinkulu eziphethwe ngasese ezweni ukusheshisa ukunwetshwa komkhiqizo namahhovisi ezweni lonke.

Isici esiyingqayizivele se-Diamond Banc ukuthi iyinkampani yomdabu edijithali embonini evamile kakhulu, ehamba phambili kumazinga e-SEO kazwelonke ngamagama okusesha ahlobene nokuboleka imali ngobucwebe.

UMenser uyavuma ukuthi ukuthola amaklayenti ukuthi athumele izimpahla zawo ezibalulekile ukuze aboleke imali futhi athembe ukuthi azothola izimali ezinezintambo kuyinselele. Uthi: Sinqoba lokhu ngamakhulu ezibuyekezo ezinhle zamakhasimende ku-inthanethi, inqwaba yokuqukethwe kwamavidiyo okufundisayo, kanye nethimba elichwepheshile, elinolwazi, neliphendulayo labaxhumani abakhulu.

I-Diamond Banc njengamanje inamahhovisi ayisikhombisa ezweni lonke, ehlela ukuwaphinda kabili ezinyangeni ezingama-24 ezizayo, futhi isisebenzise futhi yaxhasa ngemalimboleko engaphezu kuka-3,000.

Izinhlelo zesikhathi esizayo zihlanganisa ukuvula amahhovisi engeziwe ezindaweni zamadolobha amakhulu, ukuqhubeka nokukhula ngokuphindwe kabili ekukhuleni kwe-inthanethi, ukwengeza izikhwama zabaklami kumenyu yayo yesibambiso esamukelwe, nokufeza umgomo wayo wokuba nencwadi yemalimboleko esebenzayo engaphezu kuka-$100 wezigidi.

Ukushintsha ibhizinisi eliphethwe umndeni osekwenze izinto ngendlela ethile iminyaka eminingi akuyona into embi. UMenser uthi ukuze kube noguquko oluyimpumelelo lwebhizinisi lomndeni, ilungu elisha lomndeni eliphethe kufanele libe nothando olufanayo noma olukhulu, ikhono nogqozi kunowamanduleli walo.

Amakhasimende avota ngamadola, futhi bambalwa abanendaba namuhla uma ibhizinisi abazibandakanya nalo ngelomndeni, usho kanje. Okukhathazayo ukubaluleka, isipiliyoni kanye nokusebenza kahle.

Uphinde ahloniphe umndeni ngokumeseka imizamo yakhe kanye noyise ngokumnika ithuba eliholele ekutheni kwethulwe iDiamond Banc, wengeza ngokuthi:

Izifundo eziningi engazifunda kuye kanye nezindinganiso angifundisa zona mayelana nokuphikelela, ukuziphatha okuhle emsebenzini, ukuzethemba, imiphumela, ukumaketha, ukwamukela amaphutha nokuba nesibopho kuyaqhubeka nokusevisa i-Diamond Banc ne-Buchroeders.