Imali-mboleko yezoShishino kwiiShishini zoRhwebo kwiiNkampani ezincinane

Oko Kufuneka Ukwazi NgoBhanki Bentengiso Yentengiso

Ukuxhaswa kwemali-mboleko, okanye ukuthatha imali mboleko encinci yomsebenzi omnye ngumthombo obalulekileyo wemali kumashishini amancinci. Ibhanki yezorhwebo ngokuqhelekileyo apho apho amashishini amancinci aqala ukuboleka imali. Kungenokuba nzima kumashishini amancinci okuqalisa ukufumana imboleko yebhanki yezorhwebo ngenxa yengozi ebonakalayo. Amashishini amancinci amachiza afumana iimali mboleko rhoqo kwiibhanki zorhwebo, nangona ukufikelela kunzima kunzima kwixesha elide lokubuyisela.

Oko Okufuneka Ukwazi NgoBhanki Bentengiso:

• Qaphela xa ukhetha ibhanki lakho shishini. Thelekisa iibhanki zoluntu zasekuhlaleni iivesi ezinkulu, iibhanki zommandla Thelekisa iinkonzo zanikezelayo kunye nokuba zifikeleleke njani kuwe.
• Qonda iisiseko zemali mboleko yebhanki yebhanki ngaphambi kokufaka isicelo. Izinto ezisiseko ziquka amanani angaphezulu kunye nancinci, izivumelwano, intlonelo kunye nokunye.
• Kukho izinto ezintlanu ezibalulekileyo ezibandakanyekayo ekufanelekeni kwemboleko encinci yoshishino. Izinto zibandakanya umlando wentengo yemali, ingaba ufuna imali engakanani kwimpahla yokuqala, isicwangciso sakho seshishini , kunye namaxwebhu akho kwigosa lakho lemboleko.
• Ukuze ibhizinisi elincinci liphume emhlabeni, okanye liqhubeke lisebenza, kufuneka libe nezimali. Kukho imithombo emibini yokuxhasa ngemashishini amancinci. Omnye unetyala lokuhlawula. Amashishini amancinci angafaka izicelo kwiibhanki okanye nakwamanye amaziko emali, njengemanyano yamatyala, kwiimali-mboleko zorhwebo.

• Unengcamango elungileyo kunye nomdla omkhulu kwishishini elitsha. Into ongenayo ukuba yimali yokuqalisa loo shishini. Ufumana njani mboleko yebhizinisi kwishishini lokuqalisa? Indlela efanelekileyo kukufaka isicelo somboleko webhanki kwishishini elitsha, okanye ukuthenga ishishini elikhoyo.
• Amashishini amancinci athabatha imali-mboleko yebhanki yezentengiso ngezizathu ezininzi. Imali ivela kwiminye imithombo kunye. Imanyano yematyala yenza iimboleko kumashishini amancinci. Imalimboleko ingenziwa ngokusebenzisa i-akhawunti efunyenweyo okanye i-inventory njenge-collateral. Ukuboleka imali kubiza inkampani kwaye kuphakamisa umngcipheko .

• Xa ishishini elincinci lisebenza kwi-mboleko yebhankini, ibhanki okanye omnye umboleki ulandela umgaqo othile xa uvavanya isicelo. Into enye ebhanki isebenzisa ukuhlalutya kwekhredithi ka-5 C ukuvavanya isicelo somboleko. Bhanki bavavanya ishishini elincinci kumxholo we-5 C ukwenzela ukuba babelane ngemali yabo ephantsi.
• Xa uvula ibhizinisi, enye yemisebenzi yakho yokuqala kufuneka uyivule i-akhawunti yebhanki yebhanki. Kubalulekile ukugcina imali yakho yoshishino kunye nezoshishino. Akwanele ukugcina iirekhodi ezihlukeneyo. Kufuneka ugcine imali ngokwahlukileyo ngokwahlukeneyo kwiibhanki zebhanki ezahlukeneyo, enye isetyenziswe njenge-akhawunti yezoshishino.
• Amashishini amancinci adinga ukufikelela kwiimali-mboleko zexeshana zoshishino ezifutshane kunye nezinye iimfuno ezingaphendululwa kunyaka omnye.