Enye yemithombo ethembekileyo yenkxaso ishishini lingafumana ukufikelela kumgca wekhredithi yenkampani.
Ngenye yezona zinto zisebenzisekayo zemali nayiphi na inkampani kufuneka ibe nayo xa ukuhamba kwayo kwemali kuyancipha. Umgca wenkampani yesikweletu njengento yenkxaso-mali yongxamiseko kunoma yimuphi umrhwebi kwaye yingakho ngamnye umnini-shishini kufuneka abe neyodwa. Ngaphantsi kwitektha esheshayo yeenzuzo zomgca wenkampani yekhredithi iye yoshishino.
Ulawulo lomntu weCash
Enye yeenzuzo ezinokuthi umgca wentengo yekhredithi kukuba akukho mntu ulawule ukuba imali kufuneka isetyenziswe njani, ngokungafani nemboleko yebhanki. Ngamanye amaxesha ezinye iimali-mboleko ezithile ziza kunye nezikhonkwane eziqhotyoshelweyo (imali elawulwayo) njengokuba i-financial control has to control how cash should be used. Into elungileyo kunye nomgca wekhredithi yenkampani kukuba umnikezeli akanakho ulawulo malunga nendlela ozakusebenzisa ngayo imali yakho.
Ukuzinza
Ngokungafani nemali-mboleko enikwa yona njengesixa-mali, ukuba umgca we-credit line uvumela abanini-shishini ukuba bafikelele kwiimali xa kunesidingo. Oku kunenzuzo kumashishini amancinci kuba bengenayo imali eninzi.
Kunoko, bafuna ukufikelela kwimali ngezikhathi ezithile ngokukodwa ngexesha lezongxamiseko. Enye inzuzo ezayo kunye nomgca woshishino wekhredithi kukuba yenza ukuba usomashishini abe nokulawula ukuhamba kwemali ngendlela engcono.
Ukwakha iNgxowa-mali
Kucetyiswa ukuba ishishini elincinci lokwakha imbali yebhanki yamashishini enamandla ukuze kube lula ukufumana iimali-mboleko zoshishino kunye nezinye iifom zekhredithi kwixesha elizayo.
Ukusebenzisa umgca wekredithi unika ithuba elikhulu loosomashishini ukwakha kwingxelo yabo yeentengo zemboleko ngokwenza zonke iintlawulo zabo ngexesha. Ukuba unomgca weekhredithi zoshishino, qiniseka ukuba ubuyisela ngexesha ngexesha ukuhlawula ngokukhawuleza kuya kuphucula ingxelo yakho yekhredithi.
Ukuphucula ukuhamba kweCash Flow
Nanini na ukunyuka kwemali kwi shishini kuyonakalisa, ukusebenza ngokuqhelekileyo kweshishini kuthinteka kakubi. Esi sizathu esona sizathu sokuba umnini-shishini kufuneka abe nokufikelela kwi-credit xa kunesidingo. Enye yezona ndlela zingcono zokufaka imali kwi-shishini ngexesha leengxaki zemali ngumgca wekhredithi.
Unomdla ongaphantsi kwamaCredit Credit
Iirhafu zerhafu ezihlawulwe kwimigangatho yenkxaso-mboleko ziyahluka kodwa zihambelana ngokuthelekiswayo nalabo abahlawuliswe ngemali-mboleko kunye namakhadi-mboleko. Inyaniso yinqanaba lomyinge ophantsi, umvuzo ongaphantsi kwenyanga othetha ukugcina imali. Ngakolunye uhlangothi, ukuba nomnxeba weentengo zekhredithi uncedo xa ishishini lifuna iimali ezincinci ezincinane ukuba zingene kwimali-mboleko evamile kwaye zikhulu kakhulu ukuba zilungele kwikhadi lekhredithi .
Injongo nayiphi na ishishini ukwenza inzuzo kodwa ishishini alikwazi ukuba luncedo ukuba inani elininzi lemali engenayo eyenziwa yoshishino lisetyenziselwa ukuhlawula iimali-mboleko.
Nangona kunjalo, kunye nemigangatho yemarike yenkampani, ixabiso lentengo elincinci likuvumela ukuba unciphise ukuphuma kwemali ekhulayo ekugcineni igcine ishishini ngokuzinzile.
Ekugqibeleni, njengomnini-shishini, kukulungile ukuba ube neendawo apho unokufumana lula ukufikelela kwemali ukuze kugcinwe ishishini. Enye yezona ndlela ezifanelekileyo kakhulu kukufumana umgca wekhredithi. Oku kungenxa yokuba ayinakho izikhokelo malunga nendlela yokusebenzisa ngayo, iguquguquka ngokwemigaqo kwaye inceda ekwakheni i-credit yekampani lakho.