Isicwangciso seShishini seSicwangciso esilula

by USusan Ward

Nantsi iSicwangciso seShishini seShishini esilula

Cinga ukuba unombono omkhulu kwi shishini? Indlela efanelekileyo yokufumana ukuba ukwenza uphando lwakho kwaye ubhale isicwangciso soshishino ukuba ubone ukuba ingcamango yakho inokwenzeka. Isicwangciso seshishini esilula esikhankanywe apha siya kukuqalisa ukulungiselela isicwangciso soshishini lakho elitsha.

Isicwangciso esicwangcisiweyo seshishini sinomqulu owodwa ohlukeneyo kumacandelo amaninzi kuquka inkcazo yentlangano, uphando lweemarike , uhlalutyo lokukhuphisana , izicwangciso zokuthengisa , iimfuno ezinkulu kunye nezemisebenzi, kunye nedatha yemali.

Umbhalo okhuphayo unokusebenza njengesiqalo soshishini lakho kwaye unikezelwe kumaziko emali okanye abatyala-mali ukuba ngaba ityala okanye imali yokulingana iyadingeka ukuze ibhizinisi lakho lisuke phantsi.

Iinkqubo zokusebenzisa i-template yesicwangciso seshishini . Isicwangciso sesicwangciso soshishino esihle sinokukunceda ufumane iingcamango zakho. Ingakunika isikhokelo ukuze ungabambeleli ekhangela iphepha elingenanto ezama ukucinga ukuba ungaqala kuphi. Ngaphezulu, inokukubonisa ukulungiswa ngokubanzi kwesicwangciso soshishino oluqhelekileyo.

Isicwangciso esikhulu sethemplate yeshishini siya kunika imiyalelo kwisinyathelo ngasinye kwisicwangciso sakho kwaye sikubonise ukuba isicwangciso soshishino-mali esilungileyo-mali se-SBA sifanele sibukeke njani.

Umxhelo wokusebenzisa i-template yesicwangciso seshishini. Nangona kukho iinzuzo zokusebenzisa i-template yesicwangciso-shishini, kuxhomekeke kwimeko yakho kungabi yindlela efanelekileyo yokugqiba isicwangciso sakho. Kuya kuba nobuninzi bomsebenzi obandakanyekayo-umzekelo, kungekhona nje kuphela ukuba uzalise iipredishithi zemali, kodwa kufuneka wenze izibalo ngokwakho.

Kuya kufuneka ube nolwazi olwaneleyo malunga nenkqubo ukuqinisekisa ukuba ufumana amanani kwindawo efanelekileyo. Ngoko, ukuba awukwazi kakade into oyenzayo ngamanani, inkqubo yokubhala isicwangciso sakho seshishini ayinakuba lula nakwi-template.

Ekugqibeleni, ukudibanisa idatha kwi-spreadsheet ye-Excel kwixwebhu lakho leLizwi kunzima kunokuba libukeka.

Akulula ukugcina yonke into ephelele ngokusesikweni njengoko wenza utshintsho kumanani akho, kwaye ukudibanisa iitshathi ezifanelekileyo kunye negrafu kwisicwangciso sakho seshishini kunzima kunokuba kubonakala.

Izicwangciso zeShishini zoShishino zenze iNgqiqo

Nangona kunjalo, ukuba unomtsha kwisicwangciso soshishino kwaye ufuna ukufumana ingcamango yendlela icebo libukeka ngayo kwaye ufuna ukuba inkqubo iqale ngokukhawuleza kwaye ingabizi, ukukhuphela isiteklikhi samahhala yindlela efanelekileyo yokuqalisa.

Ngaba Ndifuna Isicwangciso Esilula okanye Esicwangcisiweyo?

Isicwangciso soshishino soshishino sombutho omkhulu singaba ngamakhulu emakhasi amade. Nangona kunjalo, kwi shishini elincinci, kukulungele ukugcina isicwangciso esifutshane kunye nesigxina, ngokukodwa ukuba unenjongo yokuyihambisa kubanki okanye abatyalomali. Ukufakela isicwangciso sakho kumaphepha angama-30 kufuneka ube ngokwaneleyo ngaphandle kokuba ufuna ukufaka iifoto zeemveliso, izixhobo, iiplothi , indawo yeshishini okanye izicwangciso zesayithi, njl njl. kungekudala, inkcazo yegama.

Indlela yokusebenzisa isifanekiso

Isampuli yesampuli edibeneyo iphulwe ngamacandelo njengoko kuchaziwe kwitheyibhile yezinto eziqulethwe. Icandelo ngalinye lethemplate lingakopizwa kwiLizwi, i-Excel okanye uxwebhu olufanayo lweofisi ngokukhetha umbhalo kunye nokusebenzisa ikopi / unamathisele.

Ukuba usebenzisa iWindows, cacisa itekisi ukuba ukhethwe kunye nemouse uze uthinte iCTRL + C ukukopisha kunye neCTRL + V ukuze unamathisele.

Ukufumana inkcazo ecacileyo kwecandelo ngalinye lesicwangciso, uya kufuna ukubhekisela kwisiKhokelo sokuBhala iShishini soShishino iSinyathelo ngeNyathelo .

Isicwangciso seShishini seSicwangciso esilula

Ikhasi Lesihloko

Faka ulwazi lakho lebhizinisi kuquka negama elisemthethweni, idilesi, njl. Ukuba sele unomfanekiso wezoshishino ungawufaka phezulu okanye phantsi kwephepha lesicatshulwa.

Isicwangciso soShishino

Ngokuba
"Igama loshishino"

"Umhla"

"Idilesi yezoshishino"
"Ifowuni"
"imeyile"
"iwebhusayithi"

Ukuba ukujongana nenkampani okanye umntu kubandakanya:

Kuhanjiswa ku:
"Igama"
"Inkampani okanye iZiko leMali"

1. Iziqulatho:

Isiqulatho

Isiqulatho

Isishwankathelo sebhunga.............................

Ubume Boshishino / Ushishino .................

Uhlalutyo lweMarike kunye noPhuphiswano ...

ISicwangciso soThengiso nokuThengisa .........................

Ubunini noCwangciso loLawulo ........

Isicwangciso sokuSebenza .....................................

Isicwangciso seMali ......................................

Izihlomelo kunye neMiboniso ......................

Ikhasi #

Icandelo 1: Isishwankathelo seSigqeba

Isishwankathelo esisigqeba sisondela ekuqaleni kwesicwangciso kodwa sibhaliwe ekugqibeleni. Inika umboniso omfutshane, ocacileyo kunye othembekileyo webhishini lakho elithatha ingqwalasela yomfundi kwaye ludala isidingo sokufunda ngakumbi. Isishwankathelo esiphetheyo kufuneka singabi ngaphezu kwamaphepha ama-2 ubude , kunye nesishwankathelo esifutshane kwezinye izicwangciso zesicwangciso. Funda indlela yokubhala isishwankathelo seSigqeba seShishini soShishino ukuze uqalise.

Icandelo 1: Isishwankathelo seSigqeba

• Chaza i- mission yakho- yintoni imfuno yoshishino lakho elitsha?
· Yenza inkampani yakho kunye nolawulo kunye nobunikazi.
• Chaza yakho imveliso enkulu kunye neminikelo yenkonzo.
· Chaza ngokufutshane isiseko sabathengi oya kujolisa kunye nendlela ibhizinisi lakho liza kusebenza ngayo abo bathengi.
· Ukunciphisa ukhuphiswano kunye nendlela oza kuzuza ngayo inxaxheba kwimarike (oko kukuthi, yintoni inzuzo yakho yokukhuphisana?)
· Bhala ngokufutshane iinkcazo zakho zemali kwiminyaka embalwa yokuqala yokusebenza.
• Chaza iimfuno zakho zokuxhaswa kwemali (ukusetyenziswa).

Icandelo 2: Ubume bemiSebenzi

Ukujonga ngokubanzi kwishishini kunye nendlela ibhizinisi lakho liza kukhuphisana ngayo kwicandelo. Ukuba ufuna isikhokelo, iSicwangciso soShishino soMzekelo weCandelo leCandelo liya kuzinceda.

Icandelo 2: Ubume bemiSebenzi

• Chaza ubunjani bezoshishino, kuquka ukuthengisa kunye nezinye iinani. Faka iinkalo kunye neenkcukacha zabantu, kunye neempembelelo zezoqoqosho, ezenkcubeko kunye noorhulumente. Ukuba udinga uncedo, umzekelo woBuchule beShishini uza kuba luncedo.
• Chaza ishishini lakho kunye nendlela elihambelana ngayo noshishino.
• Chaza ukhuphiswano olukhoyo.
• Chaza yintoni na indawo (e) yemarike uya kujolisa kwaye yiyiphi inkonzo enikeziweyo, ephuculweyo okanye ephantsi.

Icandelo 3: Uhlalutyo lweMarike kunye neKhuphiswano

Kule candelo, kufuneka ubonise ukuba uye wahlalutya ngokucacileyo i-market target kwaye ukuba kukho imfuno eyaneleyo yemveliso okanye inkonzo ukwenzela ukuba ibhizinisi lakho likwazi ukusebenza. Uhlalutyo lokukhuphisana luquka uvavanyo lokhuphiswano lwakho kunye nendlela ishishini lakho liza kukhuphisana ngayo kwicandelo. Uyakwazi ukubuyela kwiCandelo lokuHlola abaPhicothi beCandelo loShishino ukuze uncede. Ingcaciso yeThengi yeThengi kunye noHlolo loPhuculo loKhuphiswano lunokuba ngamacandelo amabini ahlukeneyo kwisicwangciso okanye idibeneyo njengoko kubonisiwe:

Icandelo 3: Uhlalutyo lweMarike kunye neKhuphiswano
· Chaza imarike ekujoliswe kuyo kwimveliso okanye inkonzo yakho kwindawo yeendawo. Okokuqala, uya kufuna ukufunda Ukuchaza Umthengi Wakho Ngaphambi Kokuthengisa . • Chaza imfuno yemveliso okanye iinkonzo zakho. Ukulinganisela ubungakanani beemarike kunye neeyunithi zemveliso okanye inkonzo yakho ekujoliswe kuyo kwimarike ekujoliswe kuyo, inokuthi ithengi, ixabiso lokuphindaphinda lokuthenga, kunye nendlela i-market ingayichaphazela ngayo utshintsho lwezoqoqosho okanye ukuhlaliswa kwabantu. Hlola inani kunye nexabiso lentengiso yakho xa kuthelekiswa nawaphi na abaphiswano . Inceda ukushwankathela iziphumo kwifom yetafile njengolu mzekelo olandelayo obonisa ukuba kukho igalelo kwicandelo eliphezulu lemarike ukuba ishishini lakho lihlose ukujolisa.
Shishini	Umqhudelwano A	Umqhubi B	Lakho shishini
Est. Ingeniso yonyaka	$ 1,000,000	$ 600,000	$ 500,000
Abasebenzi	20	10	5
Ixabiso	Umyinge	Ephakamileyo	Ephakamileyo
Umgangatho	Ephantsi	Umyinge	Ephakamileyo
• Chaza naziphi na izithintelo ezinokungena eziza kukhusela ishishini lakho ukhuphiswano, njengokufikelela kwiinkunzi, iteknoloji, imimiselo, iisethi zekhono lomsebenzi, indawo, njl.

Icandelo 4: ISicwangciso soThengiso noThengiso

Inkcazo yendlela oceba ngayo ukukhangela abathengi ukuba bathenge iimveliso okanye iinkonzo zakho, kubandakanywa ukukhangisa / ukukhushulwa, isicwangciso-mali , ukuthengiswa nokusabalalisa, kunye nenkxaso yokuthumela emva kokuthengisa xa kusebenza. Jonga iSicwangciso soThengiso seSicwangciso soShishino malunga nenkcazo ecacileyo.

Icandelo 4: ISicwangciso soThengiso noThengiso

Imveliso okanye Iinkonzo Zenkonzo

• Chaza imveliso okanye inkonzo yakho, njani inzuzo kumthengi, kwaye yintoni eyayihlula kwiminikelo yokhuphiswano (oko kukuthi, yintoni eYilwayo yokuThengiswa kokuThengiswa ?).

Isicwangciso sexabiso

• Chaza indlela uzimisele ngayo ukuxabisa imveliso okanye inkonzo yakho. Ixabiso kufuneka likhuphisane ukuthabatha abathengi kodwa liphezulu ngokwaneleyo ukufihla indleko kunye nokwenza inzuzo. Ixabiso lingaxhomekeke kwi-markup kwiindleko, ixabiso kumthengi, okanye xa kuthelekiswa nemveliso / iinkonzo ezifanayo kwindawo yokuthengisa. Uhlalutyo lwe-breakeven lunokunceda ukufumana ukuthengisa kunye nemilinganiselo yokufumana inzuzo. Uyakufuna kwakhona ukujonga kwiinkqubo zexabiso lokunyusa ukuNceda .

Ukuthengisa kunye nokuSasazwa

• Chaza indlela uza kuhambisa ngayo iimveliso zakho kumthengi (ukuba zikhona). Ngaba uza kuthengisa i-wholesale okanye ivenkile? Luhlobo luni lokupakisha oluya kufuneka? Ziza kuthunyelwa njani iimveliso? Ziziphi iindlela eziza kusetyenziswa ukuhlawula?

Ukupapasha nokuPhakanyiswa

• Faka uluhlu lweendaba ezahlukeneyo ozakuzisebenzisa ukuze ufumane umyalezo wakho kubathengi (umz. Webhsayithi yezoshishino , i-imeyile, imidiya yoluntu, imidiya yemveli njengamaphephandaba, njl.). Ngaba uya kusebenzisa iindlela zokuthengisa ezithengisayo ezifana neesampuli zamahhala, ukubonakaliswa kwemveliso, njl.
· Ziziphi izinto zokuthengisa ozisebenzisayo ezifana namakhadi ezentengiselwano, iiflaya, iincwadana , njl. Kuthiwani ngokuqaliswa kwemveliso kunye nokuthengisa ? Faka ibhajethi esondeleyo yokuthengisa kunye nokukhuthazwa.

Icandelo 5: Ubunini noCwangciso loLawulo

Eli candelo lichaza isakhiwo somthetho, ubunini, kunye (ukuba lukhona) ulawulo, kunye neemfuno zabasebenzi beshishini lakho. Jonga indlela yokubhala iSicwangciso soLawulo soCwangciso soShishino phambi kokuqwalasela eli candelo.

Icandelo 5: Ubunini noCwangciso loLawulo

Ukwakha Ubunini

• Chaza isakhiwo somthetho senkampani yakho (umz. Corporation , ubambiswano , Inkampani ye-Limited Liability , okanye i- proprietorship kuphela ). Ulwahlulo lwabanikazi bamanani xa kusebenza. Ukuba ishishini lilodwa lenkampani leyo yodwa yecandelo elifunekayo.

Iqela lo Lawulo

• Chaza abaphathi kunye neendima, izikhundla eziphambili zabasebenzi, kwaye ngamnye uya kuhlawulwa njani. Bandakanya i-resum emfutshane .

Izibonelelo zangaphandle kunye neenkonzo

· Bhala naluphi na ulwazi olufunekayo lwangaphandle, olufana neengxelo-mali , amagqwetha, abacebisi, njl.

Ezengqesho

· Bhala uluhlu kunye nenani labasebenzi okanye iikontraki oyifunayo kunye noqikelelo lweendleko kunye neendleko zokunceda ngamnye.

Ibhodi yeengcebiso (xa kufuneka)

• Faka ibhodi yeengcebiso njengemithombo yolawulo olongezelelweyo (ukuba ikhona).

Icandelo 6: Isicwangciso sokuSebenza

Isicwangciso sokusebenza sichaza iimfuno zomzimba zoshishino lakho, njengeofisi, indawo yokugcina impahla, indawo yokuthengisa, izixhobo, i-inventory kunye nempahla, abasebenzi, njl. Ngomntu oyedwa, ishishini lokubonisana nekhaya eli cwangciso lokusebenza liza kufutshane kwaye lilula, kodwa kumashishini afana nevenkile yokudlela okanye umenzi ofuna izibonelelo zenkcubeko, ukunikezelwa kweetyunithi, izixhobo ezizodwa kunye nabasebenzi abaninzi , isicwangciso sokusebenza sifanele sichazwe ngokucacileyo. ISicwangciso sokuSebenza seSicwangciso soShishino siya kunika ulwazi olongezelelweyo malunga nesicwangciso sakho sokusebenza.

Icandelo 6: Isicwangciso sokuSebenza

Uphuhliso (ukuba lukhona)

• Chaza oko ukwenzile ukuza kutsho ngokuphathelele ukuchonga indawo ezinokwenzeka, imithombo yezixhobo, iinkonzo zokunikezela , njl. Chaza ukuhamba komsebenzi wakho wokuvelisa.

U ku velisa:

Ukukhiqiza, cacisa ukuba kuthatha ixesha elide ukuvelisa iyunithi kwaye xa uza kukwazi ukuqala ukuvelisa imveliso okanye inkonzo yakho. Hlanganisa nezinto ezinokuchaphazela ixesha lokuvelisa kunye nendlela oza kuhlangabezana ngayo neengxaki ezinokuthi i-oda zokukhawuleza.

Izixhobo

· Chaza indawo yendawo yoshishino kuquka indawo, umhlaba kunye neemfuno zokwakha. Faka uqikelelo lwezatifikethi zesikwele kunye negumbi lokunyuselwa xa kulindeleke. Ziquka iindleko zokuboleka okanye zokuqeshisa . Kwakhona zibandakanya ukuqikelelwa kokulondolozwa okulindelekileyo, iinkonzo kunye neendleko ezihambelana nazo. Ziquka ukuvunyelwa kweendawo zokuhlala kunye nezinye iimvume eziyimfuneko ukuqhuba ibhizinisi lakho.

Abasebenzi

· Inkcazo efunekayo yokufunwa kwabasebenzi kunye nemisebenzi ephambili yabasebenzi, ingakumbi abasebenzi abalulekileyo. Chaza indlela abaqeshwa abaza kutyunjwa ngayo kunye nolwalamano lwengqesho (okt, isivumelwano , ixesha elizeleyo, ixesha lexeshana, njl.). Inkcukacha nayiphi na uqeqesho lomqeshwa olufunekayo kwaye luya kunikwa njani.

Izixhobo

• Faka uluhlu lwaluphi na izixhobo ezizodwa ezifunekayo. Faka iindleko nokuba ngaba iya kuqeshiswa okanye ithengwe kunye nemithombo.

Nelelo

· Ukuba ishishini lakho lwakhiqiza, ivenkile, iinkonzo zokutya, njl njl. Ziquka inkcazo yezixhobo ezifunekayo kunye nendlela oya kubakhokelela ngayo. Nika iingcaciso kubaboneleli abakhulu xa kufuneka. Chaza indlela oza kulawula ngayo iimpahla.

Icandelo 7: ISicwangciso seMali

Icandelo lecwangciso lezemali liyinxalenye ebaluleke kakhulu kwisicwangciso soshishino, ingakumbi ukuba ufuna udeni lwemali okanye ufuna ukutsala abatyala-mali . Isicwangciso semali kufuneka sibonise ukuba ishishini lakho liya kukhula kwaye libe nenzuzo . Ukwenza oku, kuya kufuneka udale iingxelo zengeniso yeprojekthi, izitatimende zokuhamba kwemali , kunye neebhalansi. Kwishishini elitsha, ezi zibikezelo. Umgaqo omhle wesityhubo kukunyathela imali kunye neendleko ezigqithiseleyo .

Icandelo 7: ISicwangciso seMali

Faka neenkcazo zakho zemali ezi-3. Ngalunye uchazwa ngokuBhala iSicwangciso soShishino: ISicwangciso seMali , kuquka iikhompyutheni.

Iingxelo zeNgeniso

INgxelo yeNgeniso ibonisa iMbuyekezo, iindleko kunye neNzuzo. Yenza oku qho ngenyanga ngenyanga ubuncinane kunyaka wokuqala kwoshishini lokuqalisa.

Ukunyuka kweeMali

· Ukuhlaziywa kweMali yokuHlahla kweMali kubonisa imali yakho efunyenwe ngenyanga kunye nokuhlawulelwa kweendleko. Kubalulekile ukubonisa ukuba unokulawula ukuhamba kwemali kwaye iya kuba yintlekele engozini.

Ishiti yokudibanisa izibalo

· I- Sheet Balance isishwankathelo esifutshane se- asethi , amatyala kunye nokulingana kweshishini lakho kwindawo ethile ngexesha. Ukuqalisa, oku kuza kuba ngomhla oshishino. Qaphela ukuba ishishini elitsha aliyi kuba neengxelo ezifumanekayo ezikwiphepha le-balance sheet. Qaphela kwakhona ukuba i-Balance Sheets ibulula kakhulu kumashishini angaxeshwanga ngaphandle kwabasebenzi. Irhafu yerhafu, ipensheni, unyango, njl. Zisebenza kuphela kumashishini afakweyo , njengokuba zizuzwayo.

Uhlalutyo lwe Breakeven

· Kubandakanywa uhlalutyo olwenziwe ngokukhawuleza luya kuboniswa kubaxhasi okanye abatyali-mali ukuba yeyiphi izinga lokuthengiswa okufunekayo ukuphumeza ukwenza inzuzo. Ungadinga ukufumanisa indlela yokwenza uhlalutyo lwe-Breakeven ngaphambi kokujongana nale ndawo.

Icandelo 8: Izihlomelo kunye neMiboniso

Izihlomelo kunye neziboniso zecandelo liqulethe nayiphi na inkcazelo ecacileyo efunekayo ukuxhasa ezinye izicwangciso zesicwangciso.

Icandelo 8: Izihlomelo kunye neMiboniso

Izixhobo ezikhoyo ezikhoyo

· Iimbali zemali kubanini-shishini.
· Uphando olunzulu lwemali kunye nokuhlalutya kwamashishini.
· Resum s s abanini kunye nabasebenzi abundoqo .
· Ulwazi ngoshishino lwakho.
· Ulwazi malunga neemveliso / iinkonzo zakho.
· Isakhiwo / isakhiwo / iiplani zeofisi.
Iikopi zeempahla zokubambisa, ukuqeshisa izixhobo, njl (okanye izicaphuno ezi).
· Iincwadana zokuthengisa kunye nezinye izinto.
· Ukubhekisela kwiintsebenziswano zorhwebo.
Izixhumanisi kwiwebhusayithi yakho yezoshishino .
· Naliphi na ezinye izinto ezixhasayo ezinokubangela ababolekisi abanakho okanye abatyalo-mali ukuba ufuna i-finance.

Izicwangciso zeShishini zoShishino zenze iNgqiqo

Ngaba Ndifuna Isicwangciso Esilula okanye Esicwangcisiweyo?

Indlela yokusebenzisa isifanekiso

Isicwangciso seShishini seSicwangciso esilula

Ikhasi Lesihloko

Isicwangciso soShishino

1. Iziqulatho:

Isiqulatho

Icandelo 1: Isishwankathelo seSigqeba

Icandelo 1: Isishwankathelo seSigqeba

Icandelo 2: Ubume bemiSebenzi

Icandelo 2: Ubume bemiSebenzi

Icandelo 3: Uhlalutyo lweMarike kunye neKhuphiswano

Icandelo 3: Uhlalutyo lweMarike kunye neKhuphiswano

Icandelo 4: ISicwangciso soThengiso noThengiso

Icandelo 4: ISicwangciso soThengiso noThengiso

Imveliso okanye Iinkonzo Zenkonzo

Isicwangciso sexabiso

Ukuthengisa kunye nokuSasazwa

Ukupapasha nokuPhakanyiswa

Icandelo 5: Ubunini noCwangciso loLawulo

Icandelo 5: Ubunini noCwangciso loLawulo

Ukwakha Ubunini

Iqela lo Lawulo

Izibonelelo zangaphandle kunye neenkonzo

Ezengqesho

Ibhodi yeengcebiso (xa kufuneka)

Icandelo 6: Isicwangciso sokuSebenza

Icandelo 6: Isicwangciso sokuSebenza

Uphuhliso (ukuba lukhona)

U ku velisa:

Izixhobo

Abasebenzi

Izixhobo

Nelelo

Icandelo 7: ISicwangciso seMali

Icandelo 7: ISicwangciso seMali

Iingxelo zeNgeniso

Ukunyuka kweeMali

Ishiti yokudibanisa izibalo

Uhlalutyo lwe Breakeven

Icandelo 8: Izihlomelo kunye neMiboniso

Icandelo 8: Izihlomelo kunye neMiboniso

Izixhobo ezikhoyo ezikhoyo

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