Nkhani zovomerezeka: Pambuyo pa chaka chapadera, kampani yopereka chakudya ku DC yotchedwa TwentyTables yatseka zitseko zake. Tsopano, woyambitsa mnzake Alex Cohen akumanga nsanja yoti athandize osunga ndalama m'masitolo.
Patatha zaka zinayi, Cohen anatseka TwentyTables mwakachetechete mu Marichi 2021 popanda kukonzekera kutsegulanso. Anauza Technical.ly kuti chifukwa chake chinali kutayika kwa msika wa mliri. Mu Meyi 2020, kampaniyo idasintha bwino kupereka chakudya kwa zipatala ndi antchito akutsogolo, ndipo idapambana Mphoto Yabwino Kwambiri ya Corporate Butler ya Mabizinesi Ang'onoang'ono ndi Apakatikati yomwe idaperekedwa ndi American Chamber of Commerce. Komabe, Cohen pamapeto pake adati akukhulupirira kuti kampaniyo singathe kugwira ntchito kwa nthawi yayitali. Asanasinthe, pulogalamuyi idapangidwa poyamba kuti ipereke chakudya chamtengo wokhazikika m'malesitilanti am'deralo ndipo yakhala ikugwira ntchito ndi mayunivesite m'dera la Washington m'mbuyomu.
"Tinazindikira mwachangu kuti izi zikhudza nthawi yayitali," adatero Cohen. "Mayunivesite anasowa, malo odyera am'deralo anasowa, uwu ndiye mlatho womwe timapereka."
Koma kwa Cohen, kutha kwa TwentyTables si gawo lomaliza la bizinesi. Pamene kampani yatsopanoyi yatsekedwa, Cohen adati asanafike pa kusintha kwa ndalama zogulira ku Reddit, adakhala nthawi akuganizira za kusintha kwake kotsatira - kuganiza za maulendo a AMC ndi Gamestop kumayambiriro kwa chaka cha 2021. Atakhala mtsogoleri pa forum yotchuka yamasheya pa nsanjayi (adakana kugawana mwachindunji kuti ndi iti), adachita nawo ma AMA ena ndipo adakambirana ndi mtsogoleriyo za momwe msika umayendera komanso momwe umagwirira ntchito. Adaganiza zofunafuna kampani yatsopano yoyambira pankhaniyi: terminal.
The Terminal ndi chinthu chachikulu cha Urvin Finance, ndipo Cohen ndiye woyambitsa komanso mkulu wa ntchito. Kampani yazachuma ikufuna kukhala malo ochezera a anthu omwe amaika ndalama m'masitolo, kupatsa osunga ndalama payekha upangiri, deta ndi mwayi wophunzitsa. Mwachidule, ndalama zogulitsa zimatanthauza anthu omwe amaika ndalama zawo okha, m'malo mopanga zisankho m'malo mwa makampani, mabungwe, ndalama, kapena mabungwe ena.
Mu gawo lopitilira la crowdfunding, pamodzi ndi omwe adayambitsa nawo Dave Lauer (CEO) ndi Zachary David (CTO), Cohen ndi The Terminal adasonkhanitsa pafupifupi $1.4 miliyoni kuchokera kwa osunga ndalama 1,500 kudzera mu Wefunder.
"Zoonadi [The Terminal] ndi mpando wa miyendo itatu. Wamangidwa pa zomwe takumana nazo mwatsatanetsatane komanso mwatsatanetsatane ndi ogulitsa m'miyezi 10 yapitayi," adatero Cohen. "Mpandowu ndi deta komanso zida zapamwamba kwambiri, ndipo makampani ogulitsa pakadali pano alibe mwayi wopeza deta ndi zidazi."
Kuwonjezera pa kupereka upangiri wamba wokhudza ndalama, ogwiritsa ntchito ena amatha kupereka ndemanga zawo ndikupereka malingaliro awo. Cohen adati gawo lofunika kwambiri la The Terminal ndi gawo lake lophunzitsira, lomwe limadutsa pa nsanja yonse. Kampaniyo ikufuna kuphatikiza zinthu monga ma bubble azidziwitso ndi matanthauzidwe ndi mawu osakira, monga "remortgage" ndi "short selling."
Padzakhalanso gawo la kanema, kuphatikizapo zokambirana zamoyo ndi AMA, komanso misonkhano yojambulidwa ndi chidziwitso komanso malo opempha akatswiri kuti apange njira yophunzirira yolumikizirana.
"[Kugawana chidziwitso] ndi njira yogwirira ntchito limodzi, ndipo yangoyamba kumene, chifukwa ma forum onse, malo onse omwe mgwirizano wamtunduwu umachitikira siwofanana ndi mtundu wa ntchito yomwe ikuchitika," adatero Cohen. "Chifukwa chake, kudzera pa nsanja yathu, tikuyesera kupanga malo obadwirako ogwiritsira ntchito zochitika zotere. Tapeza kuti malo awa ndi ofala kwambiri ndipo ali patsogolo pakulimbikitsa kutenga nawo mbali kwa ogulitsa atsopano."
Cohen anati poyembekezera tsogolo, kampaniyo ikuyembekeza kuyambitsa mtundu wa alpha mu kotala yoyamba ya chaka chamawa, mtundu wa beta kumayambiriro kwa kotala yachiwiri, komanso kumapeto kwa kotala yachiwiri kapena koyambirira kwa kotala yachitatu. Terminal yayambanso kulemba anthu olemba ma code a Blazer. Iye anati yalemba ntchito gulu lofunikira la chitukuko, koma ipitiliza kuwonjezera antchito pamene kampaniyo ikukula.
Cohen anati pamene atsogoleri akumanga makampani, chimodzi mwa zinthu zofunika kwambiri mu The Terminal ndichakuti imayesetsa kulimbikitsa kufanana kwa ndalama ndikupereka zinthu zothandizira kuti anthu azitha kupeza ndalama. Poganizira za momwe anthu ambiri amapezera ndalama, anati iyi ndi nsanja yabwino kwambiri ndipo ndi yofunika kwambiri chifukwa amangoona kukula kwa ndalama zogulira.
"Tikufuna kubweretsa kulira kwamphamvu kumeneku m'malo mwa ogulitsa malonda, chifukwa sakutumikiridwa ndipo sanawayimire molondola m'njira zosiyanasiyana," adatero Cohen. "Chifukwa timawadziwa, ndife iwo, takhala nawo nthawi zonse, tikuganiza kuti ogulitsa malonda onse sadzatha ... Mabungwe akuluakulu akwanitsa kutenga phindu lalikulu losafunikira kwa nthawi yayitali. Ndi chithandizo cha thumba, ndi chithandizo cha anthu pawokha. Chifukwa chake, izi ndi zomwe tikuyesera kuchita, ndipo izi ndi zomwe tikuyesera kukwaniritsa."
Nthawi yotumizira: Novembala-18-2021