Izindaba ezisemthethweni: Ngemva konyaka oyingqayizivele, insizakalo yokulethwa kokudla ye-DC i-TwentyTables ivale iminyango yayo. Manje, umsunguli ohlangene u-Alex Cohen wakha ipulatifomu yokukhonza abatshalizimali bezitolo.
Eminyakeni emine kamuva, uCohen wavala iTwentyTables buthule ngoMashi 2021 engenazo izinhlelo zokuvula kabusha. Watshela i-Technical.ly ukuthi isizathu kwakuwukulahlekelwa yimakethe yobhubhane. NgoMeyi 2020, inkampani yashintsha ngempumelelo ekuhlinzekeni ukudla kwezibhedlela kanye nabasebenzi abaphambili, futhi yawina i-Best Corporate Butler Award for Small and Medium-sized Enterprises eyanikezwa yi-American Chamber of Commerce. Kodwa-ke, uCohen ekugcineni wathi ukholelwa ukuthi inkampani ngeke ikwazi ukusebenza isikhathi eside. Ngaphambi kokushintsha, uhlelo lokusebenza ekuqaleni lwaluklanyelwe ukuhlinzeka ngokudla okunentengo eqondile ezindaweni zokudlela zasendaweni futhi lusebenze namanyuvesi endaweni yaseWashington esikhathini esidlule.
"Sasheshe sabona ukuthi lokhu kuzoba nomthelela wesikhathi eside," kusho uCohen. "Amanyuvesi anyamalala, izindawo zokudlela zasendaweni zanyamalala, leli yibhuloho esilisebenzelayo."
Kodwa kuCohen, ukuphela kwe-TwentyTables akusona isahluko sokugcina sokuhweba. Njengoba lesi sikhungo sivaliwe, uCohen uthe ngaphambi kokufika ekuguqukeni kokutshalwa kwezimali kwezitolo kweReddit, wachitha isikhathi ecabanga ngesinyathelo sakhe esilandelayo - cabanga nge-AMC kanye ne-Gamestop adventures ekuqaleni kuka-2021. Ngemva kokuba ngumholi esithangamini esidumile samasheya epulatifomu (wenqaba ukwabelana ngokuqondile ukuthi iyiphi), wabamba amanye ama-AMA futhi wabamba izingxoxo nomholi ngezitayela zemakethe kanye nezakhiwo. Wanquma ukulandela inkampani eqalayo evuthiwe ngalesi sihloko: i-terminal.
I-Terminal ingumkhiqizo ohamba phambili we-Urvin Finance, kanti uCohen ungumsunguli kanye nesikhulu esiphezulu sokusebenza. Le nkampani yezezimali ihlose ukuba yinkundla yezokuxhumana yokutshalwa kwezimali kwezitolo, inikeze abatshalizimali ngabanye izeluleko, idatha kanye namathuba emfundo. Ngokungaqondile, ukutshalwa kwezimali kwezitolo kubhekisela kubantu abazenzela imali, kunokuba benze izinqumo egameni lezinkampani, izinhlangano, izimali, noma ezinye izinhlangano.
Emzuliswaneni oqhubekayo wokuxhaswa ngezimali kwabantu abaningi, kanye nabasunguli abangoDave Lauer (CEO) kanye noZachary David (CTO), uCohen kanye neThe Terminal baqoqe cishe amaRandi ayizigidi eziyi-1.4 kubatshalizimali abayi-1,500 ngeWefunder.
"Ngempela [i-Terminal] iyisihlalo esinemilenze emithathu. Sakhelwe phezu kwakho konke okuhlangenwe nakho kwethu ekuxhumaneni okujulile nokunemininingwane kakhulu nabatshalizimali bezitolo ezinyangeni eziyi-10 ezedlule," kusho uCohen. "Isihlalo siyidatha namathuluzi ekhwalithi yobungcweti, futhi imboni yezitolo okwamanje ayinakho ukufinyelela kule datha namathuluzi."
Ngaphezu kokunikeza iseluleko sokutshalwa kwezimali esijwayelekile, abanye abasebenzisi bangaphawula futhi baveze imibono yabo. UCohen uthe isici esibalulekile seThe Terminal yingxenye yayo yemfundo, edlula kuyo yonke ipulatifomu. Le nkampani ihlose ukuhlanganisa izinto ezifana namabhamuza olwazi nezincazelo ngamagama angukhiye, njenge-"remortgage" kanye ne-"short selling."
Kuzoba nengxenye yevidiyo, ehlanganisa izingxoxo ezibukhoma kanye ne-AMA, kanye nemihlangano yolwazi eqoshiwe kanye nengosi yokucela ochwepheshe ukuthi bakhe ulwazi lokufunda olusebenzisana kakhulu.
"[Ukwabelana ngolwazi] kuyinqubo yokubambisana kakhulu, futhi isanda kuqala, ngoba zonke izinkundla, zonke izindawo lapho lolu hlobo lokubambisana lwenzeka khona azihlobene nohlobo lomsebenzi owenziwayo ngempela," kusho uCohen. "Ngakho-ke, ngeplatifomu yethu, sizama ukudala indawo yemvelo yamacala okusetshenziswa okunjalo. Sithola ukuthi le ndawo ivame kakhulu futhi empeleni ihamba phambili ekukhuthazeni ukubamba iqhaza okusha ngabatshalizimali bezitolo."
UCohen uthe uma bebheke phambili esikhathini esizayo, inkampani ilindele ukwethula inguqulo ye-alpha kwikota yokuqala yonyaka ozayo, inguqulo ye-beta ekuqaleni kwekota yesibili, kanye nasekupheleni kwekota yesibili noma ekuqaleni kwekota yesithathu. I-Terminal isiqalile nokuqasha ama-coders e-Blazer. Uthe iqashe ithimba eliyinhloko lokuthuthukisa, kodwa izoqhubeka nokwandisa abasebenzi njengoba inkampani ikhula.
UCohen uthe njengoba abaholi bakha izinkampani, esinye sezici ezibaluleke kakhulu zeThe Terminal ukuthi izama ukukhuthaza ukulingana kokutshalwa kwezimali kanye nokuhlinzeka ngezinsizakusebenza ukuze kube lula ukufinyelela. Uma ubheka isici sokuxhasa imali kubatshalizimali abathola izabelo, uthe lesi yisiteji esifanele futhi sibalulekile ngoba ubona ukukhula kokutshalwa kwezimali kwezitolo kuphela.
"Sihlose ukuletha lesi sigqi kule ndawo entsha egameni labatshalizimali bezitolo, ngoba abakhonzwa futhi abakabameli ngokunembile ngezindlela eziningi ezahlukene," kusho uCohen. "Ngenxa yokuthi siyabazi, singabo, besilokhu sinabo, sinomuzwa wokuthi abatshalizimali bezitolo bonke ngeke banyamalale... Izikhungo ezinkulu zikwazile ukudonsa inzuzo enkulu engabalulekile isikhathi eside kakhulu. Ngokusekelwa yisikhwama, ngokusekelwa ngabantu ngabanye. Ngakho-ke, yilokhu esizama ukukwenza, futhi yilokhu esizama ukukufeza."
Isikhathi sokuthunyelwe: Novemba-18-2021