Khuphukisa iNgxowa-mali Yakho yoNcedo njengowomsebenzi wezoTywala
Kukho iinkqubo ezininzi zemali ezizodwa ezibonelelwa nge-SBA. Ulawulo lwe-Small Business Administration (SBA) lubeke umlinganiselo omtsha wokuncedisa ukubolekwa kwemali-mboleko emancinci kwizandla zorhwebo lwabadala. Esi sicwangciso esitsha simisela umrhumo obolekayo ngaphambili ukuya kuzo zonke izikweletu ezixhomekeke kwi-veteran ezigunyazwe phantsi kweprogram ye-SBA Express, ukuya kuma-350,000.
Kucetyiswa ukuba ugxininise ekumiseni umgangatho ophezulu wekhredithi yezorhwebo kunye neengxelo zekhredithi eziqinileyo zoshishino kwaye ungagxininisi kuphela ekuphuculeni i-credit yakho yedwa. Ukuba ishishini lakho linamaphuzu alo, ababolekisi abayi kuxhomekeka kumanqaku akho okukhetha ukuba ngaba awufanelekanga yini uncedo lwemali. Nazi ezinye izicwangciso zengxowa-mali zentengiso kubasomashishini bezilwanyana abanokukuncedisa ekufumaneni amashishini abo ukufumana uncedo lwemali kwiibhanki nakwamanye amaziko emali.
Yenza iYilwayo yeBhili yoThutho
Ukuseka umlinganiselo wekredithi ophezulu, kufuneka umntu aqinisekise ukuba zonke ii-invoyisi zihlawulwa ngexesha.
Kuyacetyiswa ukuba uhlawule phambi komhla wokufuneka ukuba kunokwenzeka. Ukwenza njalo kuya kwenza ukuba ishishini lifumane ingxelo njengenkampani ehlawulela kangcono kunamagama. Oku kubangela ukuba kubekho iingcebiso zokunciphisa izikweletu kunye neendlela ezingcono zokubuyisela.
Ukuba abathengisi okanye nabani na ababolekisi batyala ibhanksi ethile yemali, ukwenza iintlawulo ngokukhawuleza kuya kuphucula amanqaku emboleko kwi shishini.
Enyanisweni, kucetyiswa ukuba uhlawule zonke iibill ngaphambi komhla wokugqibela njengoko uhlawula bhetele ngaphezu kwemigqaliselo nako kwenza ukuba ishishini lixoxisane ngamazinga angcono kunye nemigangatho. Ukuba ngababolekisi bethumela yonke le ngcaciso kwiivenkile zemali ezahlukileyo, amanqaku ekhredithi yakho yoshishino iya kuphakama phezulu nangaphezulu emva kokuhlawulwa kwentlawulo enye. Njengoko usomashishini oneminyaka eyi-15 ubudala, owenza ishishini, yenze kube yinto ephambili ekuhlawuleleni iibhokhwe zakho ngexesha kuzo zonke iindleko.
Sisebenze kwi-Ratio yakho yokuSebenzisa iMali
Xa kusekwa ukulinganiswa kwekhredithi kumashishini, enye yeemeko zentengiso ye-arhente yoshishino yinkqubo yokusebenzisa i-credit. Ukuba inkampani yakho inomlinganiselo ophezulu wokusetyenziswa, kucingelwa ukuba ubuchule boshishino lakho ukuhlawula amatyala buphantsi kakhulu kwaye ngokufanayo. Ngaloo nto, kulungile ukuqinisekisa ukuba ugcina umlinganiselo ophantsi wokusetyenziswa kwemali-mboleko, mhlawumbi ungaphantsi kwe-30%. Ukuba ishishini lakho linamaxabiso aphantsi, abaninzi ababolekisi bangathanda ukunyusa iintlobo ezahlukeneyo zetyala kuwe, ekubeni ingozi yokungaphumeleli iphantsi kakhulu. Ukuba ngaba ababolekisi babika zonke iintlawulo ezenziwa ngoshishino kwi-arhente yokubika ngetyala, ezifana ne-Dun & Bradstreet, ngoko umlinganiselo wekhredithi webhishini lakho liya kuba phezulu.
Khetha Abalusi Ngokuhlakanipha
Uhlobo lwabathengi ibhizinesi lakho lisebenza kunye nemidlalo indima enkulu xa kufikelelwe ekuphuculweni kwenkcitho yekhredithi yoshishino.
Abanye ababolekisi nabathengisi abazange bakhathazeke ngokubakho konke ukuhlawulwa kwexesha elikhawulezayo owenzayo kwi-arhente zemboleko. Ukungenzi oku kungalimaza amanqaku akho kwixesha elide, kuba lihlawulo lokugqibela eliqwalaselwa xa lichonga amanqaku ekhredithi nayiphi na ishishini. Njengoko usomashishini onobungakanani oqhuba ishishini, kuyafaneleka ukuba usebenze nababoleki kunye nabathengisi bezentengiselwano abaxela iintlawulo zakho zexesha elifanelekileyo kwiibhanki zemali zentengiso ukwenzela ukwakha i-credit yakho yekhredithi.
Ukusebenza Nabathengisi Abahlukeneyo
Kukwafanelekile ukukhankanya ukuba ukusebenza kunye neentlobo ezahlukeneyo zabathengisi banokunyusa izinga lokuthenga ngetyala kwishishini lakho. Nangona kunjalo, oku kuya kuqwalaselwa ukuba ngaba bayabika zonke iintlawulo ozenzayo kwiintengiso zeevenkile ezahlukeneyo okanye cha. Ukuba bayenzayo, ivumela ababolekisi ukuba bahlole ukuthenga ngetyala lakho.
Into ephambili ngokusebenza nabathengisi abahlukeneyo kukuba uya kunikwa ithuba lokwenza zonke iintlawulo zakho zibe lula. Thetha nababoneleli bakho kwaye ugxininise ukuba zonke iintlawulo ozenzayo zihanjiswe kwi-arhente zemboleko ukuze kuphuculwe amanqaku ekhredithi kwi shishini lakho.
Ukuba ufumanisa ukuba umthengisi akabi kwi-arhente ye-credit, unokuhlala usongeza intetho yezohwebo usebenzisa isevisi yokwakha izakhiwo zee-D & B. Nangona oku kuhlawulwa kwintsimi, inokubaluleka kwintengo ukuba inkampani yakho ineenkcukacha ezininzi zezorhwebo zokufaka ingxelo kwingxelo yekhredithi yayo.
Gcina iProfayili Yakho Yamanje I-Up-to-Date
Uninzi lwamaqhawe ahluphekile ngenxa yeenkcukacha ezingalunganga okanye iimpazamo kwi ingxelo zabo zeentengo zemboleko. Ngamanye amaxesha i-arhente yeebredari isebenzisa ulwazi olungalunganga xa uqikelela ingxelo yebhanki yakho yebhanki, ekugqibeleni ekugqibeleni ukubonisa ibhizinisi lakho ngokungathembeki ngenxa yokulinganiswa kwe-credit rating . Ngaloo nto, kulungile ukuqinisekisa ukuba ishishini lakho lihlolisisa kwaye liqinisekisa ukuba i-credit bureaus yoshishino ichanekile kwaye isesikhathini. Ukuba kukho naziphi na iimpazamo, xela i-arhente yebhanki yeshishini kwaye ucele ukulungiswa ngokukhawuleza njengoko kunokwenzeka.
Ubungakanani bentengiso yeentengo zemboleko inamathuba amaninzi, kubandakanywa nomdla ophantsi kumakhadi- mboleko yoshishino , iimali-mboleko, ukuvunyelwa kwezimali ngokukhawuleza, iipresimum ezisezantsi kunye nokufikelela okulula kumncediso wezemali okanye uncedo. Njengomrhwebi wezilwanyana, kulungile ukusebenzela ekuphuculeni ukulinganiswa kwemali kweshishini lakho ukwenzela ukuba ujonge izibonelelo ezikhankanywe ngasentla.