Ulwabiwo-mali
Unokuba nenkokhelo ofuna ukuyifaka kumashishini ngokwakho, ukuze kube yinto yakho yokuqala.
Mhlawumbi unentsapho okanye abahlobo abanomdla kwiingcamango zeshishini lakho kwaye bafuna ukutyalomali kwishishini lakho. Oku kungathi kulungile kumhlaba, kodwa nangona oku kulungelelanisa kuwe, kukho izinto omele uziqwalasele ngaphambi kokuba ungene kuyo. Ukuba ugqiba ukwamkela utyalo-mali kwiintsapho kunye nabahlobo, uya kusebenzisa ifomu ukuxhaswa ngemali okubizwa ngokuba yi-equity finance.
Enye into ofuna ukucaca ngayo ukuba ngaba intsapho kunye nabahlobo bakho bafuna ukutshala imali kwishishini lakho okanye ukubolekisa imali ethile kwishishini lakho. Oku kubaluleke kakhulu! Ukuba bafuna ukutshala imali, ke banikezela ngemali yokulingana . Ukuba bafuna ukubolekisa imali kwi-shishini lakho, oko kuyahluke kwaye ngokwenene kuthathwa njengemali yokuxhaswa kwetyala.
Iingenelo zoLuntu lwezeMali
- Ungasebenzisa imali yakho kunye neyabafakeli-mali bakho xa uqala ishishini lakho kuzo zonke iindleko zokuqala, kunokuba wenze iintlawulo ezinkulu zemali mboleko kwiibhanki okanye eminye imibutho okanye ngabanye. Unokuqhubeka ngaphandle komthwalo wetyala emva kwakho.
- Ukuba ulungiselele i-prospectus yabatyala bakho kwaye uchaze ukuba imali yabo isengozini kwishishini lakho elitsha lokuqalisa, baya kuqonda ukuba ukuba ishishini lakho liphumelela, abayi kubuyiselwa imali yabo.
- Ngokuxhomekeke kubani abatyali-mali bakho, banokunikela uncedo olubalulekileyo lwezoshishino ongenakho. Oku kubalulekile, ingakumbi kwiintsuku zokuqala kwenkampani entsha. Unokufuna ukucinga ngeengelosi okanye abatyala imali . Khetha abaceli bakho ngokuhlakanipha!
Iingxaki ze-Equity Finance
- Khumbula ukuba abatyali-mali bakho baya kubakho iqela lakho shishini; ukuba lukhulu kangakanani loo mceli kuxhomekeke kwimali emali abayityala ngayo. Mhlawumbi awufuni ukuyeka ukulawula ibhizinisi lakho, ngoko kufuneka uqaphele ukuba xa uvuma ukuthatha abatyalo-mali. Abatyalomali bayalindela isabelo seenzuzo apho, xa ufumana imali yeebhanki, iibhanki okanye abantu ngabanye balindele ukuba iitaliti zabo zibuyiselwe. Ukuba awuyi kwenza inzuzo ngexesha leminyaka yokuqala yoshishino lakho, ke abatyalo-mali abayikulindela ukuhlawulwa kwaye awunayo inkawu emva kwakho ukuhlawula imali.
- Ukususela ekubeni abatyali-mali bakho banomsebenzi weqashishini lakho, kulindeleke ukuba wenze ngokusemgangathweni kwabo kunye neyakho, okanye ungazivulela kwisigwebo. Kwezinye iimeko, ukuba wenze i-securities yakho yeenkcukacha zifumaneke kubanini-mali abambalwa nje, ungeke ufune ukungena kumaphepha amaninzi, kodwa ukuba uzivulele kwiindawo zokurhweba zikarhulumente, amanqaku angakuphazamisa. Uya kufuneka uhlolisise kunye neKhomishoni ye-Securities and Exchange ukuze ubone iimfuno ngaphambi kokuba wenze izigqibo malunga nendlela ofuna ukuvula ngayo ishishini lakho ukutyalomali.
Ukuxhaswa kweMatyala
Ukuba unquma ukuba awufuni ukuthatha abatyalo-mali kwaye ufuna ukulawula ngokupheleleyo kwishishini ngokwakho, unokufuna ukuphinda uhlawule ngemali ukuze uqalise ishishini lakho.
Mhlawumbi uzama ukuzithengela imithombo yakho yemali kuqala ngokusebenzisa iimali-mboleko zakho, iimali-mboleko zekhaya, kunye namakhadi ekwereta . Mhlawumbi iintsapho okanye abahlobo baya kukulungele ukubolekisa ngemali efunekayo kumyinge omncinci wenzalo kunye nemibandela engcono yokubuyisela. Ukufaka isicelo semboleko yoshishino yinto enye.
Iingenelo zokuTyala kweMatyala
- Ukuxhaswa kwemali-mboleko kukuvumela ukuba ube nokulawula kwesigqibo sakho malunga neshishini lakho. Awunalo abatyali-mali okanye amaqabane ukuba uphendule kwaye unokwenza zonke izigqibo. Unayo yonke inzuzo oyenzayo.
- Ukuba uhlawula ibhizinesi lakho usebenzisa ityala, inzala oyihlawulayo ngemboleko yakho ityhulwa yerhafu. Oku kuthetha ukuba ikhusela inxalenye yengeniso yakho yeshishini kwiirhafu kwaye ihlawule umthwalo wakho werhafu minyaka yonke. Umdla wakho uvame ukusekelwe kwizinga lokuzala .
- Ama-mboleko (abo) ababoleka imali ababandakanyi kwiintlawulo zakho. Konke okufuneka ukwenze kukuba wenze iintlawulo zakho zemboleko ngexesha elifanelekileyo.
- Unokufaka isicelo semali mboleko ye- Small Business Administration enemibandela emnandi kumashishini amancinci kuneemali-mboleko zebhanki zendabuko.
Iingxaki zokuTyala kweMatyala
Iingxaki zokuboleka imali kwi shishini elincinci lingaba lukhulu. Unokuba neentlawulo ezinkulu zemali-mboleko ngexesha elifanelekileyo ufuna iimali zokuqalisa iindleko. Ukuba awukwenzi ukuhlawulwa kwemali-mboleko ngexesha lokuya kumakhadi-mboleko okanye kwiibhanki zoshishino , unokuchitha inqaku lakho lekredithi kwaye wenze uboleka kwikamva okanye kunzima. Ukuba awuyi kuyenza imali yakho mboleko kwixesha kunye nosapho kunye nabahlobo, unokubandezela ezo ntsebenziswano.
Kwishishini elitsha, iibhanki zorhwebo zinokufuna ukuba uthembise iimpahla zakho ngaphambi kokuba ziboleke imali. Ukuba ishishini lakho lihamba phantsi, uya kulahlekelwa yimpahla yakho.
Naliphi na ixesha usebenzisa imali yokuxhaswa kwetyala, ubeka ingozi yokubhankwa . Ukuhlawulwa kwetyala lokusebenzisa imali, ukuphakamisa umngcipheko we-bankruptcy. Bala i- debt rate to equity ratio ukucacisa ukuba kukho ityala elingakanani ngokumalunga nokulingana kwalo.
Abanye baya kukuxelela ukuba ukuba uquka ibhizinisi lakho, iifayili zakho zikhuselekile. Musa ukuqiniseka ngoku. Nangona udibanisa, amaziko amaninzi emali aya kusasaza ibhizinisi elitsha ukuba libambise ishishini okanye izinto eziphathekayo njengebhondi kwimali-mboleko yakho. Unako ukulahlekelwa yimpahla yakho.
Eyona nto ibhetele; amatyala okanye ukulingana ngemali? Kuxhomekeke kwimeko. Ingxowa-mali yakho, abatyala-mali, abanokubakho imali, isicwangciso soshishino, imeko yerhafu, imeko yerhafu yabatyalomali bakho, kunye nohlobo lweshishini oceba ukuqala ngalo lonke unempembelelo kwisigqibo eso. Ukuxutywa kwetyala kunye nokuxhaswa kwemali oyisebenzisayo kuya kugqibezela iindleko zakho zemali kwi shishini lakho.
Imithombo emibini yeMveli yesiXeko seBhizinisi lakho
Ngaphandle kwetyala kunye nezimali zokulingana, kukho enye imithombo emveli yemveli yoshishino lakho. Ingeniso yokusebenza kunye nokuthengiswa kweefa kungenza kwakhona imali yakho. Yenza izigqibo zakho ngezimali ngokuhlakanipha!