Indlela Umnini-Bhishini oqhuba ngayo iBhizinisi
Eli nqaku lixubusha i-akhawunti enkulu yomnini-shishini kunye nendlela ekusebenza ngayo. Siza kuqala ngeenkcazo zentengo kwaye sibone indlela eyongezwayo kwaye ithathwe ngayo. Siza kujonga kwakhona indlela imigqaliselo yesivumelwano sokulawula kweshishini ityala amalungelo kunye noxanduva lobunini.
Yiyiphi iNkunzi?
Inkunzi iyimpahla kunye nemali kwi shishini. Inkunzi ingaba yimali, okanye ingaba izixhobo okanye i-akhawunti efunyenweyo, umhlaba okanye izakhiwo. Inkunzi ingaphinda ibonise ubutyebi obubutyebi kwishishini, okanye utyalo-mali lomnini kwishishini.
Ziziphi iindidi zabashishini abanee-Akhawunti zeNkunzi?
Indlela i-akhawunti yomnikazi webhishini ehlelwe ngayo kuxhomekeke kuhlobo loshishino.
Iimali ze-akhawunti ziyinkunzi kubalingani kubambiswano okanye amalungu e-LLC (zombini ilungu kunye nelungu elininzi). Abanikazi abanamalungelo kunye neengxelo ezinkulu. Abanini-nxaxheba kwinkampani banesabelo, esisebenza ngokungafaniyo kwezinye iindidi ze-akhawunti ezinkulu.
An Umnini we-corporation ungumnini -nxaxheba kodwa i-akhawunti isebenza ngokwahlukileyo kwi-akhawunti yomnini we-C. Indlela esebenza ngayo ifana nokusebenzisana.
Yintoni ephuma kwi-Akhawunti yeNkunzi yeMali?
Umnini ngamnye we-LLC okanye ubambiswano une-akhawunti ebhaliweyo eboniswa kwibhalansi njengengxelo ye- equity .
(Ukulingana lelinye igama lobunikazi.)
Le ngxelo enkulu iyakongezwa okanye ikhutshwe ukusuka kule ilandelayo:
- I-akhawunti yongezwa ngumrhumo womnini. Ezi zinokuba ngumnikelo wokuqala xa ujoyina inkampani, okanye kamva njengoko kufuneka okanye ugqitywe ngabanini.
- I-akhawunti yongezwa okanye ikhutshwe ukususela ekupheleni kwonyaka ngamnye wezemali (mali), ukubonisa isabelo somnini ngamnye somvuzo okanye ukulahleka kweshishini.
- I-akhawunti iphinda ikhutshwe ukusuka kuyo nayiphi na intlawulo ithathwe ngumnini kumsebenzi wakhe.
Ngokomzekelo, masithi abantu ababini bajoyina ukwenza i-LLC. Ngamnye ubeka i $ 50,000, ngoko i-akhawunti nganye iqala nge $ 50,000. Kananjalo banabanikazi be-50% kwaye bavuma ukusabalalisa inzuzo kunye nokulahlekelwa ngokusebenzisa le pesenti.
Ekupheleni konyaka wokuqala wezoshishino, ishishini lalahlekelwa ngama-dollar ayi-10 000, ngoko ke i-akhawunti yomkhulu ngamnye yomntu ngoku i-balance of $ 40,000.
Kodwa ngexesha lonyaka, umnini ngamnye wayethabatha imali ngaphandle kweshishini ukuze ayisebenzise. Umnikazi A wathatha i-$ 5,000 kunye noMnini-B B waphuma ama-3,000. I-akhawunti enkulu ye-Owner ye-akhawunti manje eyi-$ 35,000 kunye ne-akhawunti yasekhaya ye-Owner B ngoku i-$ 37,000 ngoku.
Luhlobo Luni Lokunikezela Lwenziwe?
Igalelo eliyinkunzi ngumnikelo wentengo , ngemali yempahla okanye kwipropati, kwishishini ngumnini, umlingane, okanye umnini-mali. Igalelo landisa inzala yomlingani kumashishini.
Xa uqala ishishini, kufuneka ubeke imali ukuze uhambe. Le mali ingumnikelo wakho omkhulu.
Unokuba negalelo lezinye iimpahla, njengekhompyutha, izixhobo ezithile, okanye isithuthi esiza kubakho ishishini. Ezi zixhobo kufuneka zithatyathwe ngexesha legalelo, ngoko ke wonke umntu uyazi ukuba zongeza kangakanani kwiakhawunti yakho.
Unako ukongeza enye ibhalansi kwi-akhawunti yakho enkulu ngaliphi na ixesha ngexesha lobomi boshishini lakho, kwaye unokuthatha imali ngaphandle kweakhawunti yakho. Kodwa kukho imingcipheko malunga nokuba unako ukuthatha ixesha elingakanani kwaye nini.
Yintoni echaza iimfuno zeAigcimenti zeNgxowa-mali zabanikazi?
Isixa kunye nesantya kunye nezinye iinkcukacha ezinxulumene neminikelo yenkunzi zivame ukumiselwa ngamaxwebhu akhokelayo ebhishini. Umzekelo:
- Isivumelwano sobambiswano
- Isivumelwano sokusebenza se-LLC , okanye
- Imithetho kamasipala.
Kwimeko yomnini-sabelo, umnikelo awukwandisi inani lezabelo ezibalaseleyo, kodwa longeza kwisiseko sabanini-mali. Iminikelo yemali ayinakubalwa njengenzuzo yoshishino ngaphandle kokuba igalelo lisesimo semboleko ekulindeleke ukuba ibuyiselwe.
Ukuba unomnini- shishini lobodwa , akukho khowudi ekhokelayo; unako ukwenza iminikelo yenkunzi nangaliphi na ixesha.
Ukuqonda ingcamango yenkxaso-mali, inceda ukwazi ulwazi lomgaqo-mali.
Kutheni iAkhawunti yeMali kunye neNkunzi yeNtengo ebalulekileyo?
Xa uqala ishishini kwaye ufuna imali yebhanki, ibhanki iyakuthanda ukubona ukuba utyalomali kwishishini. Ukuba umnini akanayo inxaxheba kwishishini, unokuhamba kwaye ashiye ibhanki ephethe isikhwama.
Ukuba uqala ishishini, kufuneka uqikelele ekufakeni into ethile ukuze uqalise. Unokudinga ukukhupha imali mboleko yakho ukuze ufumane imali ekufakeni ishishini. Oku kusebenza ngemali , eyimali yokuqhubeka ide ibhizinisi liqale ukuhlawula iindleko zalo.
Kwi-LLC, igalelo lomxanduva lomnini kufuneka lirekhodwe. Imithetho ephathelele ii-LLC ithi umthwalo wemfanelo unomda kumlinganiselo wegalelo lakhe lemali. Ngoko awukwazi ukulahlekelwa ngaphezu kwezinto ozifakayo.
Ingxowa-mali yoLuntu oyiNtlawulelo eyahlukileyo kumnini-mboleko kwiShishini?
Njengoko kuphawuliwe ngasentla, igalelo elikhulu lidala i-akhawunti ye- equity kwaye limela ubunini kwishishini. Imboleko ngomnikazi kumashishini, ngakolunye uhlangothi, umele ityala lomntu kumntu; akukho nobunikazi obusekwe. Eli nqaku lichaza kabanzi malunga nomlinganiselo phakathi kwemboleko yomnini kumashishini kunye negalelo elikhulu .