Utyalo-mali kunye nokuxhaswa kwemali kwiBhizinisi lakho
Nangona akudingeki ufumane imali kwi-bhanki, kuya kufuneka ukuba ubeke imali kwi shishini lakho ekuqaleni. Ukuba uvula ubambiswano okanye inkampani ejongene nokunyanzela (LLC), kwiimeko ezininzi uya kufuneka ukuba wenze igalelo njengesabelo sakho soshishino.
Kule meko, uya kuba utyalo-mali, kungabi mboleko.
Ngoko, apha ukhangele isandla kwaye umgcini wakho wencwadi uthi, "Ufuna ukuyibhala njani le nto? Ngaba ingeniso-mboleko? Okanye utyalo-mali?" Kukho imiphumo yerhafu kunye nobungozi kwikhosi nganye.
Ukunyanzela Imali Kwishishini Lakho
Ngokuqinisekileyo unokuboleka imali kwi shishini lakho uba ngumboleki. Oko kuthetha ukuba wena uqobo unikela imali kwishishini ngohlobo lomboleko osemthethweni, ngenomdla. Qinisekisa ukuba imibhalo yokubolekisa ibhaliwe ngoko -ke ubude buyingalo yobude obuchaza ngokucacileyo ukusuka kwishishini kwaye lubeka yonke into ebhaliweyo - inzala yemali mboleko, indlela umboleko oza kuhlawulwa ngayo, kunye nemiphumo xa hlawulwa.
Inzala kwimboleko iyakhokhwa yedwa xa ihlawulwa. Ukuhlawulwa kwentlawulo yinqununu akuhlawulwanga njengoko usuhlawule iirhafu kuso.
Ukutshala imali kwiYeshishini lakho
Ukuba utyalomali kwishishini lakho, ubeka imali kubanini-mali (ukugcinwa kwemali kwinkampani).
Ungayifumana imali naliphi na ixesha ngaphandle kwemiphumo yerhafu, kodwa ukuba uyaphumelela okanye ufumane isabelo, ukhokhela irhafu yentlawulo kwiintlawulo.
Iingozi Zomntu ngamnye
Imboleko yakho kwishishini lakho yenza ube ngumboleki-mali, njengebhanki okanye abanye ibhizinesi lakho lihlawulwa imali. Ukuba ishishini alikwazi ukuhlawula iindleko zalo, ukuba uxwebhu lomboleko luzakukubeka kwiqela lababolekisi kwaye kukunike ithuba lokufumana imali yakho kwimicimbi yokutshatyalaliswa .
Ababolekisi bafika phambi kootyalo-mali kwi-list of priority for bankruptcy.
Ukuba utyalomali kwishishini lakho kwaye lingena kwi-bankruptcy (iSahluko 7), mhlawumbi awuyi kubuya imali yakho. Ababolekisi (abo beshishini batyala imali) bahlawulwe kuqala.
Indlela Yokuphepha Iingxaki Zentlawulo kunye negalelo lakho
Ingaba unqumle ukuboleka imali kwi shishini lakho okanye wenze utyalo-mali, indlela yokuphatha ngayo iinjongo zerhafu kubalulekile. Isigqibo seNkundla yeNtlawulo ka-2008 sibonisa umba.
Kule meko, umnini-shishini uthe wahlawula iindleko zoshishino lakhe ezingazange zihlawulwe kwaye wayefuna ukubiza iindleko njengamatyala amabi. INkundla yeNtlawulo ichazwe kwiziphumo zayo zengxelo ukuba umnini "akafunanga okanye afumane inkokhelo nayiphi na indleko ahlawula egameni lakhe."
INkundla yeNtlawulo nayo yaqaphela ukuba imboleko kufuneka "ivela kumntu onetyala-ulwalambo-mboleko ngokusekelwe kwiimbopheleleko ezifanelekileyo kunye nokunyanzeliswa ukuhlawula imali ehleliweyo okanye enokuthenjwa." Ngamanye amagama, kufuneka kubekho:
- Imaphepha ebhaliweyo eyenza ulwalamano olucacileyo phakathi komnini-shishini (umboleki) kunye neshishini (umboleki)
Inkcazo yemali eboleweyo
- Ukulindeleka ngokucacileyo ukuba ukuhlawulelwa kulindeleke, kunye nemimiselo nemiqathango yaloo ntlawulo, kunye
- Kwaye inqaku elicacileyo lemiphumo xa ityala lingabuyiselwa.
Ukungabikho kwezi myalelo ngokubhaliweyo, akukho mboleko, kwaye ukuhlawula iibhili zeshishini akuyiyo inembopheleleko kwinxalenye yoshishini ukubuyisela umnikazi.
Indlela iNkundla yeRhafu ithathe ngayo ukuhlawulwa kweeMpahla
Inkundla yentlawulo ibone ukuba iintlawulo zomnini ziyiminikelo enkulu kwaye ayikho mboleko. Okokuthi, umnini utyalo imali engakumbi kwi shishini. Olu tyalo-mali aluqwalaselwe njengengeniso yoshishino, kwaye ukuba umnini-mali uthabatha inzala yakhe, i-earnings income kufuneka ihlawulwe kulolo rhoxiso.
Ukuba ufuna ukubolekisa imali kwi shishini lakho, qiniseka ukuba kukho ipapa kwindawo ebeka imiqathango yemboleko, intlawulo yembuyekezo, kunye nezohlwayo zokungahlawulwanga. Unommeli ulungiselele isivumelwano semboleko ukuze zonke iimeko ezifunekayo zifakiwe.
Emva koko, qiniseka ukuba inkampani ihlawula ityala okanye ukuba imiphumo yokungahlawulwanga iyagcinwa.
Ukuba ufuna ukutyalomali kwishishini lakho, kuyafana okufanayo: qiniseka ukuba udala umzila wephepha kunye namaxwebhu abanikazi abanini-nxaxheba ukuqinisekisa ukuba ngokwenene ungumnini-shareholder, kubandakanywa ukubaluleka kwezabelo oyithengayo kunye nokutshintshwa kwabo kwixabiso ngelixesha.
Ngoko, yintoni enye indlela engcono yokufaka imali kwi shishini lakho?
Kuxhomekeka kwiimeko zakho zerhafu kunye neemeko zemali. Nantoni na uyenzayo,
1. Xoxa ngeendlela kunye neengcali zakho zerhafu kunye nabacebisi bakho bezomthetho,
2. Beka isivumelwano (umboleko okanye inkunzi yemali) ngokubhaliweyo, kwaye
3. Gcina iirekhodi ezilungileyo zentengiselwano kwaye uqinisekise ukuba kucacile ukuba imali iya kubalwa njani kwiincwadi zoshishino.
Ukuziphendulela: Umxholo wale nqaku kunye nayo yonke into kule Sayithi, ihloselwe ulwazi oluqhelekileyo kuphela. Umbhali akayiyo i-CPA, ugqwetha weerhafu, okanye uMmeli obhalisiweyo. Imeko nganye yoshishini ikhethekileyo, imithetho yerhafu kunye nemimiselo yenguqu kwaye ngamnye urhulumente unemimiselo eyahlukileyo. Qhagamshelana neengcali zerhafu yakho ngolwazi olunxulumene nesimo esithile.
Umthombo: iNkundla yeNtlawulo iMemo 2008-14 (kwifomu yeFP).