Ukuxhaswa kwetyala kwiBhizinisi lakho kwixesha elifutshane
Ziziphi Iimali Zesikhwama Seshishini Elifutshane?
Amashishini amancinci adla ngokudinga iimali-mboleko zexeshana endaweni yesikweletu sexesha elide. Ininzi yemali-mboleko yexesha elide, echazwe njengexesha elifutshane, ngokuqhelekileyo likhule ngokweenyanga omnye okanye ngaphantsi. Kufuneka zibuyiselwe kumboleki kumnyaka omnye. Uninzi lweemali-mboleko zexesha elifutshane lihlala lihlawulwa ngokukhawuleza kunoko, ngokuphindaphindiweyo kwiintsuku eziyi-90-120. Iimali mboleko zexesha elifutshane kunye neziphumo ezincinane ziyakunceda uhlangabezane neemfuno ezikhawulezileyo zokuxhaswa ngaphandle kokufuna ukuba wenze ixesha elide lokuzibophelela.
Iinjongo zeNkxaso-mboleko yexesha elifutshane
Iimali-mboleko zexesha elifutshane ziyakusiza kumashishini asemgangathweni kwindalo njengamashishini athengisa iimpahla eziza kubakha i-inventory yexesha leeholide. Ibhizinisi elinjalo lingafuna umboleko wesikhashana ukuba uthenge i-inventory kakuhle ngaphambi kweeholide kwaye ayikwazi ukubuyisela mboleko mboleko emva kweeholide. Kulo lusetyenziso olugqibeleleyo lwemboleko yeshishini elifutshane.
Ezinye iindlela zokuboleka iimali-mboleko zexesha elifutshane ziza kuphakamisa i- capital capital ukuze ikhuphe ukusilela kwesikhashana kwiimali ukuze ukwazi ukudibana neendleko kunye nezinye iindleko.
Unokuba ulinde abathengi beekhredithi ukuhlawula iibhilikhwe, umzekelo. Unokufuna kwakhona iimali-mboleko zeshishini elifutshane ukuhlawula zakho iindleko; okt ukuhlangabezana neengxelo zakho ezihlawulwayo (into oyimfanelo yakho yomthengisi). Unokufuna nje imali-mboleko yexesha elifutshane ukukhutshwa kwemali yakho, ingakumbi ukuba inkampani yakho yinkampani yokuhamba.
Ukufaneleka kweMali-mboleko yexesha elifutshane
Ukuze ukwazi ukufumana imboleko yesikhashana, uza kufuneka unikezele amaxwebhu apheleleyo kumboleki wakho, nokuba ibhanki, umbutho wezikweletu, ibhanki eliphakathi , okanye olunye uhlobo lomboleki. Umboleki uzakufuna, ubuncinane, irekhodi yembali yakho yentlawulo yezinye iimali-mboleko onokube nazo, kubandakanya iimbali zeentlawulo kubathengi bakho (i-akhawunti ehlawulwayo) kunye nomlando wakho wokuhamba kwemali mhlawumbi kwiminyaka emi-3-5 yokugqibela. Kufuneka kwakhona ulungele ukunika ingxelo yakho yengeniso kwisamba esifanayo xa umboleki-sicelo ecela. Wonke amaxwebhu kufuneka abe kwifom yefomathi.
Iziqinisekiso zakho zeemboleko zesikhashana-mali ziza kunceda ukugqiba ukuba ingahlawulwanga okanye umboleko uya kugcinwa ngokubambisa okanye ingaba yinto engasigxina okanye isayinela.
Ixesha elifutshane kunye neRhafu yeNkxaso-mboleko yexesha elide
Kuqoqosho oluqhelekileyo, izinga lentengo kwiimali-mboleko zexeshana ezifutshane ziphezulu kunezinga lentengo kwiimali-mboleko zexesha elide. Kwi-economic recessionary, ke ke, inzala inokuba yinto ephantsi kwaye ixabiso elifutshane lemali-mboleko lingaphantsi kwexabiso lemali-mboleko. Iikhredithi zemali-mboleko zexeshana zifutshane zihlala zisusela kwizinga lokubaluleka kwenzala kunye ne-premium. Ibhanki okanye omnye umboleki unquma i-premium ngokuqaphela ukuba yintoni umngcipheko wakho kwinkampani.
Benza oku ngokuqwalasela amaxwebhu owanikezelayo ukuze ufanele ukufumana imboleko yesikhashana.
Iirhafu zemali-mboleko yexeshana ezifutshane ziza kubalwa ngeendlela ezininzi. Ufuna ukufumana i-lender yakho ukubala inani lesithakazelo ngendlela efikelelekayo kuwe. Qwalasela iindlela ezahlukeneyo zentsingiselo yexesha elifutshane unokubalwa kwaye ulisebenzise oku njengesikhokelo sakho xa uthetha negosa le mboleko yebhanki. Kwakhona, qi ni sekise ukuba uyakwazi malunga nenani lemali-ntlawulo ye-prime ukwenzela ukuba uthethe ngeengqiqo kwigosa lemboleko yebhanki njengoko uxoxisana nomyinge wenzala kwimali-mboleko yexesha elifutshane.
Imali yeeNkampani zokuQala kunye namaShishini amancinci
Kunokwenzeka ukuba inkampani yokuqalisa ikhusele umboleko wexesha elifutshane. Oku kungenxa yokuba iimali-mboleko zexesha elifutshane zingengozini encinci kunexesha elide lokuxhasa ngemali nje ngenxa yeqiniso lokukhula kwabo.
Iifom zokuqala kufuneka zinikezele amaphepha amaninzi kumbolekisi, njengengxelo ephumayo yokuhamba kwemali kwiminyaka emi-3-5 ezayo kunye neengxelo zezimali ezixeliweyo ngexesha elifanayo . Bamele bachaze apho imali yabo iza kubakho kwaye ikulindeleke ukuba ihlawulwe njani.
Uninzi lweenkampani zokuqalisa ziza kufaneleka ukufumana iimali-mboleko ezikhuselekileyo kumntu-mboleko. Ngamanye amagama, iqumrhu lokuqalisa liza kufuneka linikeze uhlobo oluthile lokubambisana ukuze lukhusele imali mboleko kunye nomboleki.
Ukufumaneka kweemali-mboleko zexesha elifutshane kumashishini amancinci kubaluleke kakhulu ukuze uqoqosho lwethu lusebenze kakuhle. Ngaphandle kokuxhaswa kwexesha elifutshane, amashishini amancinci akakwazi ukusebenza. Abakwazi ukuthenga i-inventory yabo, ukukhawulwa kwemali yokunqongophala kwemisebenzi, ukwandisa isiseko sabo somthengi okanye imisebenzi, okanye ikhule. Xa iibhanki zorhwebo ziqinisa imigaqo-nkqubo yazo yokuboleka ngethuba ngexesha lokubuyisana okukhulu kwaye emva koko, amashishini amancinci kunye noqoqosho luhluphekile ngenxa yale miba.