Labaran hukuma: Bayan shekara ta musamman, kamfanin samar da abinci na DC mai suna TwentyTables ya rufe ƙofofinsa. Yanzu, wanda ya kafa kamfanin Alex Cohen yana gina wani dandamali don yi wa masu zuba jari hidima.
Shekaru huɗu bayan haka, Cohen ya rufe TwentyTables a hankali a watan Maris na 2021 ba tare da shirin sake buɗewa ba. Ya shaida wa Technical.ly cewa dalilin shine asarar kasuwar annoba. A watan Mayu na 2020, kamfanin ya yi nasarar sauya zuwa samar da abinci ga asibitoci da ma'aikatan sa kai, kuma ya lashe kyautar Mafi Kyawun Masu Kula da Kamfanoni ga Ƙananan da Matsakaitan Kamfanoni da Cibiyar Kasuwanci ta Amurka ta bayar. Duk da haka, Cohen ya bayyana a ƙarshe cewa yana ganin kamfanin ba zai iya aiki a cikin dogon lokaci ba. Kafin sauya fasalin, an tsara manhajar ne don samar da abinci mai araha a gidajen cin abinci na gida kuma ya yi aiki tare da jami'o'i a yankin Washington a baya.
"Mun fahimci da sauri cewa wannan zai yi tasiri na dogon lokaci," in ji Cohen. "Jami'o'i sun ɓace, gidajen cin abinci na gida sun ɓace, wannan ita ce gadar da muke yi wa hidima."
Amma ga Cohen, ƙarshen TwentyTables ba shine babi na ƙarshe na kasuwanci ba. Tare da rufe wannan kamfani, Cohen ya ce kafin ya sauka kan juyin juya halin saka hannun jari na Reddit, ya ɗauki ɗan lokaci yana tunani game da matakinsa na gaba - tunani game da abubuwan da suka faru na AMC da Gamestop a farkon 2021. Bayan ya zama jagora a wani sanannen dandalin saka hannun jari a dandamali (ya ƙi raba takamaiman wanne), ya ɗauki nauyin wasu AMAs kuma ya yi tattaunawa da shugaban kan yanayin kasuwa da tsare-tsare. Ya yanke shawarar neman kamfanin farawa mai tasowa kan wannan batu: terminal.
Kamfanin Terminal shine babban samfurin Urvin Finance, kuma Cohen shine wanda ya kafa kuma babban jami'in gudanarwa. Kamfanin kuɗi yana da niyyar zama dandamali na zamantakewa don saka hannun jari a cikin dillalai, yana ba wa masu zuba jari shawara, bayanai da damar ilimi. A takaice dai, saka hannun jari a cikin dillalai yana nufin mutane suna saka hannun jari da kansu, maimakon yanke shawara a madadin kamfanoni, ƙungiyoyi, asusu, ko wasu ƙungiyoyi.
A cikin wani zagayen tara kuɗi da ake ci gaba da yi, tare da waɗanda suka kafa kamfanin Dave Lauer (Shugaba) da Zachary David (CTO), Cohen da The Terminal sun tara kusan dala miliyan 1.4 daga masu zuba jari 1,500 ta hanyar Wefunder.
"Da gaske [Terminal] kujera ce mai ƙafafu uku. An gina ta ne bisa dukkan gogewarmu a cikin mu'amala mai zurfi da cikakken bayani tare da masu zuba jari a cikin watanni 10 da suka gabata," in ji Cohen. "Terminal bayanai ne da kayan aiki masu inganci na ƙwararru, kuma masana'antar dillalai ba ta da damar yin amfani da waɗannan bayanai da kayan aiki a halin yanzu."
Baya ga bayar da shawarwari na gaba ɗaya kan saka hannun jari, sauran masu amfani za su iya yin tsokaci da gabatar da ra'ayoyinsu. Cohen ya ce wani muhimmin ɓangare na The Terminal shine ɓangaren ilimi, wanda ke gudana a duk faɗin dandamali. Kamfanin yana da niyyar haɗa abubuwa kamar kumfa bayanai tare da ma'anoni tare da kalmomin shiga, kamar "remortgage" da "short selling."
Za kuma a sami wani ɓangare na bidiyo, wanda ya haɗa da tattaunawa kai tsaye da AMA, da kuma tarurrukan bayanai da aka yi rikodin da kuma hanyar shiga don neman ƙwararru su ƙirƙiri ƙwarewar koyo mai hulɗa.
"[Raba bayanai] tsari ne na haɗin gwiwa, kuma yanzu ne aka fara shi, domin duk dandali, duk wuraren da irin wannan haɗin gwiwa ke faruwa ba su da alaƙa da irin ayyukan da ake gudanarwa," in ji Cohen. "Saboda haka, ta hanyar dandalinmu, muna ƙoƙarin ƙirƙirar yanayi na asali don irin waɗannan lamuran amfani. Mun ga cewa wannan yanayi ya zama ruwan dare gama gari kuma hakika yana kan gaba wajen haɓaka sabbin masu zuba jari a fannin kasuwanci."
Cohen ya ce, idan ana sa ran nan gaba, kamfanin yana sa ran ƙaddamar da sigar alpha a kwata na farko na shekara mai zuwa, sigar beta a farkon kwata na biyu, da kuma a ƙarshen kwata na biyu ko farkon kwata na uku. Tashar jiragen ruwa ta kuma fara ɗaukar ma'aikatan kwamfutocin Blazer. Ya ce ta ɗauki hayar ƙungiyar ci gaba mai mahimmanci, amma za ta ci gaba da ƙara yawan ma'aikata yayin da kamfanin ke ƙaruwa.
Cohen ya ce yayin da shugabanni ke gina kamfanoni, ɗaya daga cikin muhimman abubuwan da ke cikin The Terminal shine ƙoƙarin inganta daidaiton saka hannun jari da kuma samar da albarkatu don sauƙaƙe samun dama. Idan aka yi la'akari da ɓangaren tara kuɗaɗen masu zuba jari don samun hannun jari, ya ce wannan dandamali ne mai kyau kuma yana da mahimmanci saboda yana ganin ci gaban saka hannun jari ne kawai.
"Muna da niyyar kawo wannan gagarumin busa a cikin wannan sabon yanayi a madadin masu zuba jari a fannin kasuwanci, domin ba a yi musu hidima ba kuma ba a wakilta su daidai ba ta hanyoyi daban-daban," in ji Cohen. "Saboda mun san su, mu ne su, mun kasance tare da su koyaushe, muna jin cewa masu zuba jari a fannin kasuwanci gaba ɗaya ba za su ɓace ba... Manyan cibiyoyi sun sami damar ɗaukar ƙananan riba na dogon lokaci. Tare da tallafin asusun, tare da tallafin daidaikun mutane. Don haka, wannan shine abin da muke ƙoƙarin yi, kuma wannan shine abin da muke ƙoƙarin cimmawa."
Lokacin Saƙo: Nuwamba-18-2021