Iindaba ezisemthethweni: Emva konyaka okhethekileyo, inkonzo yokuhambisa ukutya ye-DC iTwentyTables ivale iingcango zayo. Ngoku, umseki-mnye u-Alex Cohen wakha iqonga lokunceda abatyali-mali abathengisayo.
Kwiminyaka emine kamva, uCohen wayivala ngokuthula iTwentyTables ngoMatshi 2021 engenazicwangciso zokuvula kwakhona. Uxelele iTechnical.ly ukuba isizathu yayikukulahlekelwa yimarike yobhubhane. NgoMeyi 2020, inkampani yatshintshela ngempumelelo ekuboneleleni ngokutya kwizibhedlele nakubasebenzi abaphambili, yaza yaphumelela iMbasa yeBest Corporate Butler yeeShishini ezincinci neziphakathi eyanikwa yi-American Chamber of Commerce. Nangona kunjalo, ekugqibeleni uCohen wathi ukholelwa ukuba inkampani ayizukukwazi ukusebenza ixesha elide. Ngaphambi kotshintsho, i-app yayilungiselelwe ukubonelela ngokutya okunexabiso elimiselweyo kwiindawo zokutyela zasekuhlaleni kwaye ibisebenza neeyunivesithi ezikwindawo yaseWashington ngaphambili.
“Sakhawuleza saqonda ukuba oku kuya kuba nefuthe elide,” utshilo uCohen. “Iiyunivesithi zanyamalala, iindawo zokutyela zasekuhlaleni zanyamalala, le yibhulorho esiyisebenzelayo.”
Kodwa kuCohen, ukuphela kweTwentyTables akusiso isahluko sokugqibela soshishino. Ukuvalwa kwale nkampani intsha, uCohen uthe ngaphambi kokuba afike kwinguquko yotyalo-mali lweReddit, wachitha ixesha ecinga ngenyathelo lakhe elilandelayo - cinga nge-AMC kunye nee-Gamestop adventures ekuqaleni kuka-2021. Emva kokuba yinkokeli kwiforam yesitokhwe edumileyo eqongeni (wala ukwabelana ngokuthe ngqo ukuba yeyiphi), wabamba ezinye ii-AMA waza wabamba iingxoxo nenkokeli malunga neendlela zemarike kunye nolwakhiwo. Wagqiba ekubeni alandele inkampani entsha ekhulileyo malunga nalo mba: isiphelo.
I-Terminal yimveliso ephambili ye-Urvin Finance, kwaye uCohen ngumseki kunye negosa eliyintloko lokusebenza. Le nkampani yezemali ijolise ekubeni liqonga lentlalontle lotyalo-mali lokuthengisa, inika abatyali-mali ngabanye iingcebiso, idatha kunye namathuba emfundo. Ngokulula, utyalo-mali lokuthengisa lubhekisa kubantu abenza utyalo-mali ngokwabo, endaweni yokwenza izigqibo egameni leenkampani, imibutho, iingxowa-mali, okanye ezinye izinto.
Kumjikelo oqhubekayo wokuxhaswa ngemali yi-crowdfunding, kunye nabasunguli abasebenzisana nabo uDave Lauer (CEO) kunye noZachary David (CTO), uCohen kunye neThe Terminal baqokelele phantse i-$1.4 yezigidi kubatyali-mali abayi-1,500 ngeWefunder.
"Ngokwenene [iThe Terminal] sisitulo esinemilenze emithathu. Sakhelwe phezu kwamava ethu onke kunxibelelwano olunzulu noluneenkcukacha kakhulu nabatyali-mali bokuthengisa kwiinyanga ezili-10 ezidlulileyo," utshilo uCohen. "Isitulo sidatha nezixhobo ezisemgangathweni wobungcali, kwaye ishishini lokuthengisa alinalo ukufikelela kwezi datha nezixhobo okwangoku."
Ukongeza ekunikezeni iingcebiso zotyalo-mali ngokubanzi, abanye abasebenzisi banokuphawula baze baveze izimvo zabo. UCohen uthe inkalo ebalulekileyo yeThe Terminal yinxalenye yayo yemfundo, egubungela lonke iqonga. Le nkampani iceba ukudibanisa izinto ezifana namaqamza olwazi kunye neenkcazo kunye namagama angundoqo, anjenge "remortgage" kunye "nokuthengisa okufutshane."
Kuza kubakho necandelo levidiyo, kuquka iingxoxo ezibukhoma kunye ne-AMA, kunye neentlanganiso zolwazi ezirekhodiweyo kunye ne-portal yokucela iingcali ukuba zenze amava okufunda asebenzisanayo ngakumbi.
"[Ukwabelana ngolwazi] yinkqubo yokusebenzisana kakhulu, kwaye isandul' ukuqala, kuba zonke iiforam, zonke iindawo apho olu hlobo lwentsebenziswano lwenzeka khona azifani nohlobo lomsebenzi owenziwayo ngokwenene," utshilo uCohen. "Ke ngoko, ngeqonga lethu, sizama ukudala imeko-bume yendalo yamatyala okusetyenziswa okunjalo. Sifumanisa ukuba le meko ixhaphakile kakhulu kwaye ngokwenene iphambili ekukhuthazeni ukuthatha inxaxheba kwabatyali-mali abatsha."
UCohen uthe xa ejonge phambili kwikamva, inkampani ilindele ukuqalisa inguqulelo ye-alpha kwikota yokuqala yonyaka ozayo, inguqulelo ye-beta ekuqaleni kwekota yesibini, nasekupheleni kwekota yesibini okanye ekuqaleni kwekota yesithathu. I-Terminal ikwaqalise ukuqesha ii-Blazer coders. Uthe iqeshe iqela eliphambili lophuhliso, kodwa iya kuqhubeka nokwandisa abasebenzi njengoko inkampani ikhula.
UCohen uthe njengoko iinkokheli zakha iinkampani, enye yezona zinto zibalulekileyo kwiThe Terminal kukuba izama ukukhuthaza ukulingana kotyalo-mali kunye nokubonelela ngezixhobo zokwenza kube lula ukufikelela. Xa ucinga ngecandelo lokuxhasa ngemali abatyali-mali abafumana izabelo, uthe eli liqonga elifanelekileyo kwaye libalulekile kuba ubona kuphela ukukhula kotyalo-mali lokuthengisa.
“Sijonge ukuzisa esi simbo sitsha kule meko intsha egameni labatyali-mali abathengisa ngomzimba, kuba abakhonzwa kwaye abakameli ngokuchanekileyo ngeendlela ezininzi ezahlukeneyo,” utshilo uCohen. “Ngenxa yokuba sibazi, singabo, besisoloko sinabo, sivakalelwa kukuba abatyali-mali abathengisa ngomzimba bonke abayi kunyamalala... Amaziko amakhulu akwazile ukufumana inzuzo enkulu engabalulekanga ixesha elide kakhulu. Ngenkxaso yesikhwama, ngenkxaso yabantu ngabanye. Ngoko ke, oku sizama ukukwenza, kwaye oku sizama ukukufezekisa.”
Ixesha lokuthumela: Novemba-18-2021