Ganacsiyada yar yar iyo hayadaha kaalmo ayee wali u furan tahay in ay codsadaan deyn kor saarkedu yar yahay iyo lacagaha yar yar ayagoo u marya mashruuca SBA Economic Injury Disaster Loan (EIDL).

Daawo duubitaanka kulamadeeni ugu danbeye. Xubno matalaya Maamulka Ganacsiyada Yar yar ee U.S. (U.S. Small Business Administration (SBA)) ayaa la wadaagay warbixintii ugu danbeyse iyo wax walbo ood u baahan tahay in aad ka ogaato mashruuca EIDL oo ay ka mid tahay qiimeynta talaabo talaabo ee codsiga.

Mashruuca Guud ee EIDL:

• Deyn bixin 30-sanna oo gaareysa ilaa $2,000,000 korsaarkeduna yahay 3.75% oo go’an (2.75% hayadaha kaalmo)
• Labo deeq qorshe ayaa loogu tala galay ganacsiyada kasoo jeeda bulshooyinka daqligoodu hooseyo. Si laguugu tixgeliyo deeqahan, waxaa qasaba in aad codsato deyn. Hayadu waxaa lagu abaal marin karaa deeqda xataa haddii loo diiday deynta ama ay iska diidaan in ay aqbalaan.

Warbixinadii ugu danbeyo muhiimka ah ayaa lagu dhawaaqay Sebtembar 2021.

• Kordhinta Karashka COVID EIDL. SBA ayaa karashka COVID EIDL koor uuga qaadeysa $500,000 ilaa $2 milyan. Lacagaha deynta ayaa loo isticmaali karaa howlaha shaqo ee caadiga iyo sidii lacagta aad ku shaqeyneyso (working capital) oo ay kamid tahay, bixinta mushaaraadka, soo gadashada qalab, ama iska bixinta deyn.
• Howlgelinta Waqtiga Lacagaha Dib Loodhigay. SBA ayaa hubineyso in ganacsiyada yar yar in ayan bilaabin dib u bixinta deymaha COVID EIDL ilaa mudo labo sanno ah si ay uuga baxaan caabuqa ayagoo kawal walin in ay dhibaatoodan.
• Sameynta 30-Maalin oo Nafis Kabaxsan. Si loo hubsado in ganacsiyada caadiga ay heystaan waqti dheeriya ay ku helaan lacagahaan, SBA ayaa sameyneyso 39-maalin oo nafis ka baxsana taaso lagu ansaxinayo laguna soo dirayo lacagaha deymo ee %500,000 ama kayar. Ansaxinta iyo soo dirida deymaha lacagaha kabadan $500,000 ayaa bilaabmi doono mudo 30-maalin kadiba.
• Balaarinta Isticmaalka Uqalma Lacagaha. Lacagaha COVID EIDL ayaa hadda hadda loo ogol yahay in lagu bixiyo deymaha ganacsi iyo inleyskaga bixiyo deymaha ganacsi ee federaliga.
• Fududeynta Shuruudaha Shuraakada. Si loo fududeyo codsiga COVID EIDL ee ganacsiyada yar yar, SBA ayaa sameysay shuruudo shuraako badan oo fudud si matasha Lacagaha Dib Unooleynta Maqaayadaha.

Fadlan booqo boga internetka ee SBA si aad uuga warbixintii ugu danbeyse www.sba.gov.