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 . Ukongeza kwengozi yoshishino olwenzayo, ukuboleka imali kungenisa enye inqanaba lomngcipheko kwinkampani yakho. Kungakhathaliseki ukuba, ityala lenye yeendlela zokuxhasa ngemali imisebenzi yamancinci. Nazi izizathu ezine ukuba iinkampani zihlala zisebenzisa imali yokuxhaswa kwetyala .
01 - Ukuthenga i-Real Estate kunye nokwandisa imisebenzi
02 - Ukuthengwa kwezixhobo
Amashishini anokhetho oluninzi malunga nokufunyanwa kwezixhobo. Bangayithenga okanye banokuqeshisa. Kukho izizathu ezifanelekileyo zokuthatha imali mboleko ukuthenga izixhobo zakho. Unokuthatha ukubhalwa kwerhafu ye-$ 25,000 kunyaka wokuqala ufumana izixhobo kwaye uhlawule lonke i sixhobo phezu kobomi boqoqosho. Ungasebenzisa kwakhona izixhobo zobomi balo uze uyithengise ngenani le-salvage. Ukuze ukwazi ukuba kulungile ukuthenga okanye ukuqeshisa izixhobo, kufuneka wenze uhlalutyo lwendleko-nzuzo ngaphambi kokuba wenze isigqibo. Xa ibhanki yenza imali mboleko kwisixhobo, ngokuqhelekileyo ityala lexesha eliphakathi. Iimali mboleko zexesha eliqhelekileyo ngokuqhelekileyo zibolekelelwe ngeminyaka eyi-15-15.
03 - Ukuthenga Inventory
Maxa wambi amabhanki akwenza imali mboleko kumashishini amancinci ukuthenga iimpahla. Amanye amashishini amancinci anemvelo ngexesha, ngokukodwa amashishini athengisa. Ukuba ishishini lenza ininzi yalo yokuthengisa ngexesha leeholide, bafuna ukuthenga ubuninzi bezinto zabo ngaphambi kwexesha leeholide. Basenokudinga imali mboleko yebhanki ngaphambi kwexesha leeholide ukuthenga inani elikhulu lempahla ukulungiselela ixesha. Imali-mboleko yeBhanki yokuthenga i-inventory ngokuqhelekileyo i-short-term in nature kwaye iinkampani zihlala zihlawula emva kokuba ixesha liphelile kunye nemali yokuthengisa evela kwii-seasonal sales.
04 - Ukwandisa iNkunzi yokuSebenza
Imali yokusebenza yimali oyisebenzisayo ukulawula imisebenzi yakho yemihla ngemihla. Amashishini amancinci ngamanye amaxesha afuna iimali-mboleko zokuhlangabezana neemfuno zabo zemihla ngemihla de ukufumana iimpahla zabo zanele ukufikelela kwiimfuno zabo zemali. Amanye amabhanki ngamanye amaxesha amabhanki atyala imali-mali yesikhashana kwimashishini amancinci ukwenzela ukuba bakwazi ukuphuma emhlabathini aze akhule. Njengoko ishishini likhula kwaye i-asethi yabo ibenza bakwazi ukufumana imali, banokubuyiselwa imali mboleko yebasebenzi ebhanki. Imali-mboleko yemali yokusebenza ingabakho inzala ephezulu kunokuba, umz.