Ukuxhaswa kwetyala kwiBhizinisi lakho kwiimfuno zeMali
Iimali-mboleko zesikhashana zihlukeneyo, kodwa iinjongo ezahlukeneyo.
Imali-mboleko yexesha elide
Iimali-mboleko zebhanki zexesha eliqhelekileyo zihlala zithwala iziphumo ezizimeleyo kunye namazinga enzala kunye neshedyuli yenyanga okanye yenyanga yokuhlawula. Imali-mboleko yexesha elide ihlala ikhula iminyaka engama-3-10 nangona iimali-mboleko zebhanki zangexesha elide ziyakwelula ukuya kwiminyaka engama-20 kuxhomekeke kwinjongo yayo.
Iimali-mboleko zebhanki zexesha elide zihlala zixhaswa ngumbutho wenkampani, ngokuqhelekileyo ngendlela yexabiso leenkampani. Izivumelwano zeemboleko zivame ukuba neemvumelwano eziqhotyoshelweyo ezichaza oko inkampani inokukwazi kwaye ayikwazi ukwenza ngemali ngexesha lelo mboleko.
Umzekelo, ibhanki ingacacisa ukuba inkampani ayikwazi ukuthatha ityala elingakumbi ngexesha lobomi bemali-mboleko yesikhathi eside. Iimali-mboleko zexesha elide zihlala zihlawulwa ngokuhamba kwemali yenkampani ebomini bemboleko okanye ngepesenti ethile yeenzuzo ezibekelwa bucala kule njongo.
Injongo yeMali-mboleko yexesha elide
Amashishini kufuneka alandele ngokubanzi umgaqo wokudibanisa ubude bemali yabo ebomini bempahla abaye baxhaswa ngayo.
Ngoko, ukuba ishishini lifuna ukwenza uphuhliso olungundoqo lwemali, njengokuthenga isiqwenga sesebenzi kwinkqubo yokuvelisa eya kuqhubeka iminyaka eyi-10, umboleko wexesha elide loshishino luya kuba luhlobo olufanelekileyo lokuxhaswa kwemali. Imboleko emfutshane yeshishini yebhanki ayifanelekanga kule meko. Ukuba ishishini lifuna ukuthenga izixhobo ezinkulu, izakhiwo, amanye amashishini, okanye ukwenza iiprojekthi zokwakha, umboleko-mboleko wangexesha elide uyindlela yokuhamba.
Ukufumana iMali-mboleko yexesha elide
Iimali-mboleko zexesha elide zorhwebo zinzima kumafama okuqalisa ukufumana. Ngokuqhelekileyo, amashishini amiselweyo kuphela kwiminyaka ethile yempumelelo yemali avunyelwe ukuboleka kwebhanki ende. Ishishini kufuneka sivelise isicwangciso soshishino kunye neminyaka emininzi yeengxelo zemali zembali ukuze kuqinisekiswe umboleko wexesha elide.
Ukongezelela, kufuneka lilungiselele iingxelo zemali ezixeliweyo zokubonisa ukuba inokubuyisela imali mboleko. Ngaphambi kokuba ibhizinisi elincinci lifune umboleko wesikhathi eside, kufuneka bahlalutye ixabiso le mboleko ngeendleko zokuqeshisa ixabiso abafuna ukulixhasa. Izinga lomdla kwixesha elide lemali mboleko kaninzi ngamanqaku ambalwa aphantsi kwexabiso lentlalo kwi-mboleko emfutshane ngexesha eliqhelekileyo kwezoqoqosho.
Ukuba uyayazi umyinge wokubaluleka komdla , unokongeza amanani ambalwa kuloo nto kwaye uze nento ethile kufuphi nenani lentlawulo ibhanki iya kuhlawulisa ngemboleko yakho. Ezi ngongoma zimbalwa ziza kubonakalisa indlela engozi ngayo abavakalelwa ngayo inkampani yakho. I-riskier inkampani yakho, amanqaku amaninzi aya kuyongeza kwizinga eliphambili lomdla. Ekuhloleni ingozi yenkampani yakho, iibhanki ziza kujonga kwi-5C ye- creditworthiness yenkampani yakho.
Ukufumana iMali-mboleko yexesha elide
Ukukhululeka kokuthengwa kwemali-mboleko yesikhathi eside kuxhomekeke kwizinto ezininzi ezibandakanya ibhanki oyikhethile ukuba wenze ishishini kunye, amandla enkampani yenkampani yakho kunye nempilo yoqoqosho.
Ngexesha elide lokubuyisela, i-credit iye yomelela kakhulu kwaye i-mboleko ayizange ibe lula ukuyifumana.
Ngaba Unokufumana Uninzi Kangakanani Ngomvuzo Wesikhathi Eside
Iimali mboleko zexesha elide ziqala kwi $ 25,000 kwaye zenyuka zifikelela kwii-200,000 zamaRandi. Imali eningiyifunayo, inkqubo yokwamukelwa ngokugqithiseleyo iya kuba.
Indlela iMali-mboleko yeThuba eliPhakathi eyahluke ngayo kwiNgxowa-mali yexesha elide
Iimali-mboleko eziphakathi kwexesha eliqhelekileyo ziba nexesha lokukhula kweeminyaka eyi-1-3. Zisetyenziselwa ukuxhasa i-asethi engekho ixesha elide kwimvelo efana neenkqubo zekhompyutha ezingenokuba nobomi boqoqosho malunga ne-3 minyaka. Iintlawulo zenziwa kwibhanki nganye ngenyanga okanye ngekota. Inkqubo yokuvunywa kwemali-mboleko yexesha eliphakathi imele ibe yinto enzima njengoko kuhlawulwa ngemali-mboleko ende.