Nhau dzepamutemo: Mushure megore rakasiyana, kambani yeDC yekuendesa chikafu yeTwentyTables yavhara masuo ayo. Iye zvino, mumwe wevakatanga kambani iyi Alex Cohen ari kuvaka nzvimbo yekubatsira vanoisa mari muzvitoro.
Makore mana gare gare, Cohen akavhara TwentyTables chinyararire munaKurume 2021 asina hurongwa hwekuvhurazve. Akaudza Technical.ly kuti chikonzero chaive kurasikirwa kwemusika wedenda. Muna Chivabvu 2020, kambani iyi yakabudirira kuchinja kuenda pakupa chikafu kuzvipatara nevashandi vepamberi, uye yakahwina Mubairo weBest Corporate Butler weMabhizinesi Madiki neMedium-sized Enterprises wakapihwa neAmerican Chamber of Commerce. Zvisinei, Cohen pakupedzisira akataura kuti anotenda kuti kambani iyi haizokwanisi kushanda kwenguva refu. Chinja ichi chisati chatanga, app iyi yakatanga kugadzirwa kuti ipe chikafu chemitengo yakatarwa kumaresitorendi emuno uye yakashanda nemayunivhesiti ari munharaunda yeWashington kare.
"Takakurumidza kuona kuti izvi zvaizova nemigumisiro yenguva refu," akadaro Cohen. "Mayunivhesiti akanyangarika, maresitorendi emuno akanyangarika, iri ndiro zambuko ratinoshandira."
Asi kuna Cohen, kuguma kweTwentyTables hakusi chitsauko chekupedzisira chebhizinesi. Nekuvharwa kwekambani iyi itsva, Cohen akati asati asvika pakuchinja kwekudyara kweReddit muzvitoro, akapedza nguva achifunga nezvechinjo yake inotevera - funga nezveAMC neGamestop adventures kutanga kwa2021. Mushure mekuva mutungamiri paforamu yemasheya inozivikanwa papuratifomu (akaramba kugovera kuti ndeipi chaiyo), akaita mamwe maAMA uye akaita hurukuro nemutungamiriri pamusoro pemafambiro emusika uye maumbirwo. Akasarudza kutsvaga kambani itsva yakakura panyaya iyi: terminal.
The Terminal ndiyo kambani huru yeUrvin Finance, uye Cohen ndiye muvambi pamwe chete uye mukuru wekushanda. Kambani yezvemari ine chinangwa chekuva nzvimbo yekudyidzana yekudyara mari muzvitoro, ichipa vanoisa mari mumwe nemumwe mazano, ruzivo nemikana yedzidzo. Zvishoma nezvishoma, kudyara mari muzvitoro zvinoreva vanhu vanozviitira mari, pane kuita sarudzo vachimiririra makambani, masangano, mari, kana mamwe masangano.
Muchirongwa chekutsvaga mari kubva kuvanhu vakawanda, pamwe chete nevamwe vavambi Dave Lauer (CEO) naZachary David (CTO), Cohen neThe Terminal vakaunganidza mari inosvika mamiriyoni 1.4 emadhora kubva kuvanoisa mari 1,500 kuburikidza neWefunder.
"Chokwadi [The Terminal] chituru chine makumbo matatu. Chakavakirwa paruzivo rwedu rwese mukudyidzana kwakadzama uye kwakadzama nevanotengesa mari mumwedzi gumi yapfuura," akadaro Cohen. "Chituru ichi chine data rehunyanzvi uye maturusi, uye indasitiri yekutengesa parizvino haina mukana wekuwana data nemidziyo iyi."
Pamusoro pekupa mazano ekudyara mari, vamwe vashandisi vanogona kutaura uye kupa pfungwa dzavo. Cohen akati chinhu chakakosha cheThe Terminal chikamu chayo chedzidzo, chinofamba mupuratifomu yese. Kambani iyi ine chinangwa chekubatanidza zvinhu zvakaita semabhuru eruzivo netsanangudzo nemazwi akakosha, akadai sekuti "remortgage" uye "short selling."
Pachavawo nechikamu chevhidhiyo, chinosanganisira hurukuro dzepamoyo neAMA, pamwe nemisangano yeruzivo rwakarekodhwa uye nzvimbo yekukumbira nyanzvi kuti dzigadzire ruzivo rwekudzidza rwunodyidzana.
"[Kugovana ruzivo] inzira yekushandira pamwe chete, uye ichangotanga, nekuti maforamu ese, nzvimbo dzese dzinoita kushandira pamwe kwakadai hazvienderane nerudzi rwebasa rinoitwa," akadaro Cohen. "Saka, kuburikidza nepuratifomu yedu, tiri kuedza kugadzira nzvimbo yemuno yekushandiswa kwakadaro. Tinoona kuti nzvimbo iyi yakajairika uye iri pamberi mukukurudzira kutora chikamu kutsva kwevanoisa mari muzvitoro."
Cohen akati vachitarisira ramangwana, kambani iyi inotarisira kutanga shanduro yealpha muchikamu chekutanga chegore rinouya, shanduro ye beta pakutanga kwechikamu chechipiri, uye pakupera kwechikamu chechipiri kana kutanga kwechikamu chechitatu. Terminal yakatangawo kuhaya Blazer coders. Akati yakahaya timu huru yekuvandudza, asi icharamba ichiwedzera vashandi sezvo kambani ichikura.
Cohen akati sezvo vatungamiriri vachivaka makambani, chimwe chezvinhu zvakakosha zveThe Terminal ndechekuti inoedza kukurudzira kuenzana kwekudyara mari uye kupa zviwanikwa kuti zvive nyore kuwana. Tichifunga nezvechikamu chekutsvaga mari kubva kune vanoisa mari kuti vawane equity, akati iyi ipuratifomu yakanaka uye yakakosha nekuti anongoona kukura kwekudyara mari muzvitoro chete.
"Tine chinangwa chekuunza mimhanzi iyi munzvimbo itsva iyi tichimiririra vanoisa mari muzvitoro, nekuti havasi kushumirwa uye havana kuvamiririra nemazvo nenzira dzakasiyana-siyana," akadaro Cohen. "Nekuti tinovaziva, tiri ivo, tagara tiri navo, tinonzwa kuti vanoisa mari muzvitoro havazonyangarike... Masangano makuru akakwanisa kutora purofiti isingakoshi kwenguva yakareba. Nerutsigiro rwemari, nerutsigiro rwevanhu. Saka, izvi ndizvo zvatiri kuedza kuita, uye izvi ndizvo zvatiri kuedza kuita."
Nguva yekutumira: Mbudzi-18-2021