Iluphi uhlelo lokusebenza lwemalimboleko olungcono kakhulu?

Kunezizathu eziningi zokuthi kungani abantu bangadinga uhlelo lokusebenza lwemalimboleko. Ngokwesibonelo, othile angase adinge imali ebolekiwe ukuze akhokhe izindleko ezingalindelekile, njengokukhanda imoto noma isikweletu sezokwelapha. Omunye umuntu angase adinge imali ebolekiwe ukuze amboze into ebingalindelekile ukushoda ngokwezimali, njengalapho iholo labo lisilela ezindlekweni zabo. Futhi abanye bangase badinge imalimboleko ukuze ibasize baqale noma bakhulise ibhizinisi labo.

Uhlelo lokusebenza lwemalimboleko kufanele lukwazi:
-Thola umabolekisi kwababolekayo abahlangabezana neziqu
-Lungisa futhi uvumele izikweletu ngokushesha
-Landela intuthuko kanye nezinkokhelo zababoleki

Uhlelo lokusebenza olungcono kakhulu lwemalimboleko

I-Club yokuboleka

I-Lending Club iyinkundla yokuboleka kontanga kuya kontanga exhuma ababoleki nababolekisi. Inkampani inikezela ngezimali mboleko ngendlela yemali ebolekiwe enenani elingaguquki, imalimboleko yomuntu siqu, namakhadi esikweletu. I-Lending Club iphinde inikeze ngemikhiqizo ehlukahlukene yemalimboleko kubatshalizimali okuhlanganisa nezitifiketi zediphozithi, izimali ezihlanganyelwe, kanye nezimali ezihweba ngokuhwebelana.

I-Lending Club yasungulwa ngo-2007 ngabafowethu u-Adam no-Alex Green. Le nkampani isikhule yaba enye yezinkundla ezinkulu zokuboleka kontanga emhlabeni ezinemali ebolekiwe engaphezu kuka-$2 billion. I-Lending Club njengamanje isebenza emazweni angaphezu kwama-20 kuwo wonke amazwekazi ayisithupha.

Prosper

I-Prosper iyinkundla yezezimali entsha, enomthombo ovulekile, esabalalisiwe evumela abasebenzisi ukuthi baphathe izimali zabo ngendlela esobala nevikelekile. I-Prosper isebenzisa ubuchwepheshe be-blockchain ukudala i-ledger engaguquleki yakho konke ukuthengiselana, okuvumela abasebenzisi ukulandelela ukusebenzisa kwabo kanye nokutshalwa kwezimali ngesikhathi sangempela. I-Prosper iphinde inikeze ngohlu lwemikhiqizo namasevisi ezezimali, okuhlanganisa inkundla yokuboleka kontanga kuya kontanga, i-ejensi yokulinganisa izikweletu, kanye isevisi yokudlulisa imali.

Kabbage

I-Kabbage isekelwe kuwebhu uku-oda ukudla kanye nesevisi yokulethwa okuvumela abasebenzisi ukuthi ba-ode ukudla ezindaweni zokudlela zasendaweni. Isevisi iphinde inikeze izinketho zokulethwa kulabo abangakwazi ukuphuma emakhaya abo. I-Kabbage yasungulwa ngo-2013 ngosomabhizinisi ababili, u-Adam Neumann noRyan Seibert.

I-SoFi

I-SoFi yinkampani yobuchwepheshe bezezimali enikeza abathengi namabhizinisi amancane ukufinyelela emalimboleko ethengekayo, amakhadi esikweletu, nemikhiqizo yomshwalense. I-SoFi yasungulwa ngo-2011 yi-CEO uMike Cagney kanye noMongameli woMkhiqizo uNate Berkus. Le nkampani ikhulise imali engaphezulu kwesigidigidi esi- $ 1 kubatshalizimali okuhlanganisa i-Fidelity Investments, i-Andreessen Horowitz, ne-Sequoia Capital.

I-RateSetter

I-RateSetter iyinkundla esekwe kuwebhu esiza amabhizinisi amancane ukuthi asethe futhi alawule amanani awo. Inikeza isixhumi esibonakalayo esilula, esisebenziseka kalula esenza kube lula ukuthola ulwazi oludingayo ukuze usethe amanani akho, ulandelele ukuziphatha kwamakhasimende akho, futhi wenze izinqumo ezinolwazi mayelana nendlela yokubiza amasevisi akho.

I-RateSetter idalwe ngenhloso yokwenza kube lula kumabhizinisi amancane ukuthi aqalise ukusetha nokuphatha amanani abo. Inkundla ihlinzeka ngesixhumi esibonakalayo esilula, esisebenziseka kalula esenza kube lula ukuthola ulwazi oludingayo ukuze usethe amanani akho, ulandelele ukuziphatha kwamakhasimende akho, futhi wenze izinqumo ezinolwazi mayelana nendlela yokubiza amasevisi akho.

Inkundla ye-RateSetter imahhala ukusetshenziswa kubo bobabili abanikazi bamabhizinisi namakhasimende. Abanikazi bamabhizinisi bangadala i-akhawunti futhi baphathe ama-akhawunti abo noma yikuphi emhlabeni. Amakhasimende angabhalisela i-akhawunti yamahhala futhi afinyelele zonke izici zeplathifomu ye-RateSetter.

Umbuthano Wokuxhasa Imali

Yasungulwa ngo-2013, i-Finding Circle iyinkundla yokuboleka kontanga kuya kontanga exhuma ababoleki nababolekisi. Le nkampani isebenza e-United Kingdom futhi iqoqe imali engaphezu kuka-£1 billion. I-Finding Circle inikeza imalimboleko ephakathi kuka-£100 no-£5 wezigidi, nemibandela yokukhokha ehlukahlukene kusukela evikini elilodwa kuye eminyakeni emihlanu. Le nkampani ikhokhisa ikhomishini engu-4.9% emalini ebolekiwe ngayinye, eyisebenzisela ukukhokhela izindleko zayo zokusebenza.

Earnest

U-Earnest uyinja enomusa futhi enothando. Uthanda ukudlala nokugijima nabangani bakhe. U-Earnest naye uyalalela kakhulu futhi uhlale elalela abanikazi bakhe. Uhlale ezimisele ukusiza nganoma iyiphi indlela angasiza ngayo. U-Earnest uyinja enkulu futhi angenza isengezo esihle kunoma yimuphi umndeni.

I-Invesco Mortgage Capital Corporation (IMCC)

I-Invesco Mortgage Capital Corporation (IMCC) ingumnikezeli ohamba phambili emhlabeni jikelele wezixazululo zemali ebanjiswayo. Uhlu olubanzi lwenkampani lwemikhiqizo namasevisi lusiza abatshalizimali bezikhungo, amabhange ezentengiselwano, nezinye izikhungo zezezimali ukuthi zifinyelele inhloko-dolobha eziyidingayo ukuze zithole izimali zokubolekwa, izindlu zokuhlala, nezinye izigaba zempahla. Inkundla yezobuchwepheshe emisha ye-IMCC iyenza ikwazi ukuhlinzeka ngezinsiza eziningi eziklanyelwe ukuhlangabezana nezidingo zamakhasimende ayo. Le nkampani inezimpahla ezingaphezu kwezigidigidi ezingama-50 zamarandi ngaphansi kwabaphathi futhi iqashe abantu abangaphezu kwe-1,000 emhlabeni jikelele.

I-Lending Club

I-Lending Club iyinkundla yokuboleka kontanga kuya kontanga exhuma ababoleki nababolekisi. Inkampani inikezela ngezimali mboleko ngendlela yemali ebolekiwe enenani elingaguquki, imalimboleko yomuntu siqu, namakhadi esikweletu. Ababoleki bangakhetha emigomeni eyahlukene yemalimboleko, futhi ababolekisi bangakhetha emikhiqizweni eyahlukene yemalimboleko.

Ababolekisi bangakwazi futhi ukuthola inzalo emalini ebolekiwe ngesici sokuvala isilinganiso senzalo se-The Lending Club. Lesi sici sivumela ababolekisi ukuthi bakhiye inani lenzalo ngesikhathi esinqunyiwe ngaphambili. Uma umboleki ehluleka ukuboleka imali yakhe, umbolekisi angakhetha ukuthi imali yakhe ibuyiselwe kuye noma angathengisa isikweletu sakhe komunye umbolekisi.

I-Lending Club yasungulwa ngo-2007 nguBrad Garlinghouse noRon Conway. Inkampani isikhule yaba enye yezinkundla ezinkulu zokuboleka kontanga emhlabeni. Ngo-2016, I-Lending Club yakhulisa u-$2 billion woxhaso lwemali yebhizinisi kubatshalizimali okuhlanganisa iFidelity Investments, Andreessen Horowitz, kanye neSequoia Capital.

Izinto okufanele uzicabangele lapho ukhetha uhlelo lokusebenza lwemalimboleko

Ezinye izici okufanele uzicabangele lapho ukhetha uhlelo lokusebenza lwemalimboleko zifaka okulandelayo:
-I-interface yomsebenzisi yohlelo lokusebenza. Ingabe kulula ukuyisebenzisa nokuzulazula?
Izici -I lokusebenza sika. Yiziphi izinhlobo zokubolekwa ezikhona, futhi kulula kangakanani ukuzithola nokuzifaka izicelo zazo?
-Isevisi yamakhasimende yohlelo lokusebenza. Basabela kangakanani lapho udinga usizo?
Izici zokuphepha zohlelo lokusebenza. Ingabe zithembekile futhi ziphephile?

Izici Ezinhle

1. Ikhono lokuphatha izikweletu kanye nezinkokhelo.
2. Ikhono lokulandelela inqubekelaphambili yemalimboleko kanye nomlando.
3. Ikhono lokudala nokuphatha amaqembu emalimboleko.
4. Ikhono lokuthola izaziso uma kufanele izinkokhelo noma lapho imali ebolekiwe ingakhokhi.
5. Ikhono lokudala nokuphatha amanothi mayelana nemalimboleko

Uhlelo lokusebenza oluhamba phambili

Ziningi izinhlelo zokusebenza zemalimboleko ezitholakalayo emakethe, kodwa iziphi ezihamba phambili? Nazi izizathu ezintathu zokuthi kungani i-Loanify iwuhlelo lokusebenza olungcono kakhulu lwemalimboleko:

1. Kulula ukuyisebenzisa: I-Loanify kulula ukuyisebenzisa nokuzulazula, ikwenze kube ukukhetha okuhle kulabo abasha emalini ebolekiwe.

2. Ilula futhi iyashesha: I-Loanify inikeza imalimboleko esheshayo nefanelekile, ikwenze kube ukukhetha okuhle kulabo abadinga usizo lwezezimali ngokushesha.

3. Uhlu olubanzi lwezinketho zemalimboleko: Nge-Loanify, ababoleki bangakhetha ohlwini olubanzi lwezinketho zemalimboleko, okuhlanganisa imalimboleko yomuntu siqu, imali mboleko yemoto, nokuningi.

Abantu futhi bayayifuna

-Ngemalimboleko
Uhlelo lokusebenza
- Imali
-Isikweletu
-Izikweletu.