Ukuhamba ngeendlela ezikhoyo, ngokuqinisekileyo kungacaciswa ukuba inkxaso yemveli kunye neyona ndawo ihamba phambili njengemali-mboleko kunye nemali-mboleko yezoshishino ayinelisekanga okanye ayifumaneki kubanini bamashishini abancinci. Nangona kunjalo, abanikazi bamashishini abancinci bayaqhubeka beqonda isidingo sokufumana inkxaso-mali yokukhulisa amashishini abo kunye nokunciphisa ukungena kwemali. Kuloo maxesha anzima ukuba abanini bezoshishino baphendule kwiimali ezifumana inkxaso-mali njengendlela yokufumana imali abayidingayo.
Iintlawulo ze-akhawunti ezifumana inkxaso-mali zamashishini zinokuba nzima kunzima ukuchasa. Ukukhwela kwayo ukufumana inkxaso-mali ngokukhawuleza ekuphuculeni ukukhula kwamashishini kuyisisombululo esinamandla. Eli nqaku lijonga ngokucacileyo yonke imicimbi ebalulekileyo ukuba ngamnye umnini-shishini makaqwalasele ngaphambi kokusayina imigca ephawulwe kuyo nayiphi na isivumelwano esivumelekileyo sokufumana imali, kunye nazo zonke izinto ezilungileyo nezimbi.
Ziziphi iindleko ezifunyenweyo zemali?
Ngokuqhelekileyo eyaziwa ngokuba yi-Factoring, i-akhawunti eyimali efunyenweyo ngokuqinisekileyo yinto enye endala kakhulu yokuthengisa imali. Ngendlela elula, yinkqubo equka ukuthengiswa kwemali efunyenweyo okanye i-invoyisi eziseleyo kwiinkcazo kwiinkampani ezikhethekileyo okanye i-finance nkampani (ngokuqhelekileyo ibizwa ngokuba yi "Factor"). I-companyoring factoring ibeka ingozi kwimali efunyenweyo kwaye ngokubuyisela ukukhupha ishishini lakho ngokunyuka okukhawulezayo kwemali. Inani elixabiso elikhutshweyo elifunyenweyo ngokuxhomekeka lixhomekeke kwi "yobudala" kunye nomgangatho ofanelekayo.
Ngaba ingeniso-mboleko okanye ilungiselelo lokubuyisela imali?
Qaphela ukuqinisekisa ukuba kuyimvumelwano yokwenza imali kwaye ayikho mboleko. Qinisekisa ukuba i-deal inexabiso eliphambili, nto leyo eyona nto inomdla ohlukeneyo. Fumana indlela inqanaba lokubaluleka elibalwe ngayo kwaye ingaba liboshwe kwi-factoring. Gcina ukhumbule ukuba inqanaba lokubaluleka liyinxenye ebalulekileyo ye-akhawunti efunyenweyo yokuxhaswa kwemali, nokuba ingaba ubuncinci okanye ubuninzi.
Inkcazo yosuku lokuthenga
Le ngenye inxalenye ebalulekileyo yesivumelwano kufuneka ubeke ingqiqo. Kwiimeko eziqhelekileyo, ukuthenga kuhlawuleka kwisithuba seentsuku ezili-180. Inkampani yokubamba iqumrhu ngokuqhelekileyo ilawulwa ukuqokelela kunye neentlawulo ze-invoyisi kwiimali ezifunyenweyo. Kubalulekile ukwazi inani lokugcina kunye nokuba lihlawulwa njani. Imali yokugcina imali iyimali egcinwe kwaye ngokuqhelekileyo isuka kwi-2% ukuya kuma-20%.
Imigaqo yesiVumelwano
Isivumelwano sobude yinto ebalulekileyo ekufuneka uyiqwalasele. Ingaba isivumelwano sihamba ngeenyanga, unyaka okanye iminyaka emininzi, qiniseka ukuba uyazi kakuhle ubude besivumelwano, kwaye ingaba isivumelwano esifutshane okanye ixesha elide siya kubaluleka kwishishini lakho.
Iingxelo zeeAkhawunti ezifunyenweyo Ukuxhaswa
Enyanisweni, zonke iinkqubo zenkxaso-mali zoshishino zineendawo ezilungileyo kunye ezimbi. Iimali zokufumana imali ezifunyenweyo akukho nto:
- Akukho Mfuneko yoBambiswano - Luhlobo lenkxaso-mali engakhuselekanga yokuxhasa imali engadingi nayiphi na into yokubambisa kwifom yeefa kunye nabagcini bemali.
- Ukugcina Ubunini Boshishino Lakho - Olu hlobo lwemali alufunanga ukuba unike inxalenye yobunini bakho bezoshishino ukuze uzuze iimali.
Ingxowa yeAkhawunti eFunyenweyo yokuFumana
- Iindleko eziphezulu - ngelixa kuyindlela ekhawulezayo yokufikelela imali kwi shishini lakho, inokufika kwiindleko eziphezulu kuneentlawulo ezihlawulwe kwezinye iintlobo zemali mboleko. Khumbula ukuba ukungaphumeleli ukuhlawula imali kwixesha elimiselweyo liza kwandisa kuphela inani eliya kuhlawulwa.
- Izivumelwano ezide - Ezinye izivumelwano zingaba mfutshane kwaye zisebenziseke, kodwa ezinye zinokuba zide kwaye ziphephe kunokuba ungathanda. Kubalulekile, nangona kunjalo, ukuxoxisana nobude bekhontrakthi esebenza ngokufanelekileyo kuwe nakwi shishini lakho.
Nawuphi na uhlobo loshishino, nokuba lube lincinci okanye lukhulu, luya kuthi linye linye ludinga i-kredithi yoshishino ukuxhasa imisebenzi eyahlukeneyo yemihla kwimisebenzi yoshishino. Ngesinye isikhathi, ishishini lingafuna imali esheshayo ukulungisa imisebenzi yayo. Ngokudabukisayo, ukufikelela kwemali-mboleko kuye kwaba nzima kakhulu, ngokukodwa kumashishini amancinci kunye nabanini bemali abaninzi abanqwenela ukunika uncedo olufanelekileyo. Ukuxhaswa kwemali ehlawulwa ngama-akhawunti kunokunceda ama shishini anqobelele loo mingeni yemali.