Ukuxhaswa kwetyala lexesha elide
Ukuxhaswa kwetyala elide ixesha elide kusebenza kwizinto eziphathekayo ishishini lakho lokuthenga, njengezixhobo, izakhiwo, umhlaba okanye umatshini.
Ngokuxhaswa kwetyala lexesha elide, ukuhlawulwa kweemali mboleko kunye nokuqikelelwa kwezinto eziphathekayo zeempahla ziqhubeka ngaphezu kweyonyaka omnye. Umboleki uzakufuna ukuba iimali-mboleko zangexesha elide zigcinwe yixabiso eliza kuthengwa.
Ukuxhaswa kwetyala elifutshane elifutshane
Ukuxhaswa kwetyala elifutshane elifutshane eliqhelekileyo lisebenza kwimali efunekayo kwimisebenzi yemihla ngemihla yoshishino, njengokuthengwa kwempahla, ukubonelela okanye ukuhlawula umvuzo wabasebenzi. Ixesha elifutshane lokuxhaswa kwemali libhekiswa njengemali-mboleko yokusebenza okanye i-mboleko yesikhashana esifumanekayo ngenxa yokuhlawulwa kwemali ehleliweyo eyenziwa ngaphantsi komnyaka omnye. Umgca wekhredithi ngumzekelo wenkxaso-mali yexesha elifutshane. Iimali zeentengo zemali ziyakuthi zikhuselwe ngamaxabiso (aka- collateral ).
Amakhadi e-Credit ayenziwa ngumthombo ogqithisileyo wexesha elifutshane lokuxhaswa kwamashishini amancinci. Enyanisweni, ngokwe- 2015 ye-US National Small Business study , u-37% wabanini bamashishini abancinci basebenzisa amakhadi ekwereta ekuxhaseni imali.
Ukuxhaswa kwexesha elifutshane liqhelekileyo lisetyenziswe ngamashishini afana nokuba nemiba yenkcitho yemali yexeshana xa iimali zentengiso zingeneli ukujonga iindleko zangoku. Amashishini okuqalisa ngokukhethekileyo anengxaki yokulawulwa kweengxaki zokulawulwa kwemali .
Iingenelo zokuTyala kweMatyala
Inzuzo eyona nto ekuxhaseni kwetyala ngokuxhaswa kwemali yonyaniso kukuba umnini-mboleko akawuthathi indawo yokulingana kwishishini lakho - ugcina ubunikazi obupheleleyo kwaye umboleki-mali akanakho ukulawula ukuqhuba kweshishini.
Ngakolunye uhlangothi, ngezimali zokulingana abatyali-mali babe ngabanikazi benxalenye yenkampani kwaye ngoko banokuthi kwindlela ulawulo lwalo lwenziwa ngayo.
Iindleko zenzalo zematyala zihlawulwa ngokupheleleyo kwiirhafu zeshishini kwaye kwimeko yexesha elide lokuxhaswa kwemali, ixesha lokubuyisela liyakwandiswa kwiminyaka emininzi, ukunciphisa iindleko zenyanga. Kucinga ukuba imali-mboleko ayiyiyo imilinganiselo eguquguqukayo yindleko yenzalo kukuba ubuninzi obuninzi bokuba uhlahlo lwabiwo-mali kunye neenjongo zocwangciso lwezoshishino .
Iingxaki zokuTyala kweMatyala
Ukuxhaswa ngemali eyongezelelweyo, iibhanki zifuna ukuba i- asethi yoshishino ithunyelwe njengebhondi. Ukuba (njengento eqhelekileyo kumashishini amancinci) ishishini alinayo eyaneleyo yokubambisa umnini-mboleko uya kufuna iimqinisekiso ezivela kubanini-shishini.
Njengomnini, oku kukushiya wena uxanduva lokubuyisela imali mboleko (nokuba ibhizinisi lakho lidibene ). Ukuba ishishini lakho libunzima kwaye alikwazi ukwenza iintlawulo zemboleko, nayiphi na impahla eyimpahla oyithumele njengeyobambisa (indlu, imoto, i-akhawunti ye-investment, njl.) Inokubanjwa yibhanki.
Ngetyala leemali, ishedyuli ehlawulelwayo yokuhlawulwa kwemali kunye neendleko eziphezulu zokuhlawulwa kwemali-mboleko zingenza kube nzima ukuba ishishini landise ngenkqubela ngenkxaso-mali, ukutyaliswa kwemali kwishishini ngokutshintshisa ubulungisa-akukho nanye isicwangciso sokuhlawula ngokutsha kwaye abatyali-mali ngokubanzi Injongo ende yokubuyela kwi-mali.
Ukuba ishishini lakho lifuna ukuhlawulwa kwetyala okanye utyalo-mali olinganayo kufuneka ube nesicwangciso esicacileyo seshishini phambi kokuba nawuphi na umboleki okanye umtyalomali uza kuqwalasela ukunika inkxaso-mali. Oku kubandakanya iinkcukacha zezimali zebhishini lakho njengengxelo yemali engenayo, ukuhlawula kwemali, kunye nekharityhulam.