Ukuxhaswa kweeNkampani Zakho Zincinci usebenzisa iAkhawunti zakho ezifunyenweyo

Ukufumana iCash kwiShishini Lakho Elincinci Ngokusebenzisa ukuBambisana nokuQinisekisa

Ukusebenzisa iakhawunti zakho ezifunyenweyo, okanye iakhawunti zekhredithi zabathengi bakho, ukufumana imali kwi-shishini lakho elincinci, yindlela enye yokwenza imali kwiimfuno zentengo yokusebenza. Iimali zombini ezifumana inkxaso-mboleko kunye nokuxhaswa kwemali zivame ukusetyenziswa kwiimali-mboleko ezikhawulezileyo, xa kungenakwenzeka ukufumana imali-mboleko emfutshane kwi-bhanki okanye nakwezinye iziko lemali. Zomibini zisetyenziselwa ukuphakamisa imali yokusebenza okanye imali oyisebenzisayo kwimisebenzi yakho yemihla ngemihla.

Ukuxhaswa kwemali efunyenweyo okanye ukuthengwa kwempahla kungasetyenziselwa enye imali kwi-bhanki.

Iinkampani zezemali zorhwebo zihlala zibonelela ngeengxelo zezimali ezifunyenweyo kwiifemu zoshishini ezincinci. Ngamanye amaxesha, iibhanki zorhwebo okanye amanye amaziko emali ziya kunika neengxelo zemali ezifunyenweyo. Amanqanaba omdla amaninzi aphezulu kule ndlela yokuxhaswa kwemali kunokuba ityala lemveli yebhanki.

Kukho iindlela ezimbini ze-akhawunti ezifumana inkxaso-mali.

Ukubambisa iiAkhawunti ezifumanekayo

Ukubhengezwa, okanye ukunikezela, i-akhawunti efunyenweyo kuthetha ukuba usebenzisa i-akhawunti yakho efunyenweyo njengemboleko yokufumana imali. Umboleki-mboleko unemali efunyenweyo njengokhuseleko, kodwa wena, njengomnini-shishini, usenomsebenzi wokuqokelela amatyala avela kumakhasimende akho.

Umboleki-mboleko ubheka ishedyuli yokuguga yee-akhawunti zeenkampani zenkxaso-mboleko ekuqaliseni ukuba yiyiphi iindwendwe ezamkelayo. Ngokuqhelekileyo, umboleki-mali uyavuma kuphela abo bafumanekayo abangadluliyo.

Iingxelo ezigqityiweyo zenze i-collateral efanelekileyo. Kwakhona, ukuba umthengi uneemvumelwano zeentengo zemali ezibelwe zona ukuba umboleki-mboleko ucinga ukuba lide kakhulu, umbolekisi angeke avume loo mvuzo. Emva kokuvavanya iimali ezifunyenweyo zenkampani ngenxa yeengxelo ezingaphezulu kweemali kunye nemigqaliselo engayithandiyo, umboleki-mboleko ke ubeka inani lemali efunyenweyo yenkampani abaya kwamkela.

Emva koko, umboleki-mali uya kuguqula loo mali ngokubuyisela kunye nezibonelelo. Ngelo xesha, baya kuthatha isigqibo sokuba yeyiphi ipesenteji yexabiso lemali efanelekileyo eyamkelekileyo baya kuboleka kwaye benze imali mboleko kumashishini amancinci. Ipesenti abaza kuboleka ngayo ngokuqhelekileyo ijikeleze i-75-85%.

Nasi umzekelo wendlela umboleki ovavanya ngayo imali efunyenweyo ye-akhawunti yeenkampani ze-akhawunti ukuqinisekisa ukuba ingaba yimalini yabo mboleko.

Ukuba ishishini elincinci lingafezekanga kwimboleko mboleko, umboleki uya kuthatha iimali zeeakhawunti zeenkampani aze aqokelele kwiimali ngokwazo.

Iingxelo ze-Factoring ezifunyenweyo

Ukuqulunqa i-akhawunti yakho yemali kuthetha ukuba uyithengisa, ngokuchasene nokubathembisa njenge-collateral, kwi-companyoring factoring. Inkampani yokwenza i-factoring ikunika ukuhlawula kwangaphambili kwiingxelo oza kufuneka ulinde ukuhlawula. Ukuhlawulwa kwangaphambili kudla ngo-70-90% wexabiso elipheleleyo lemali efunyenweyo. Emva kokuhlawula umrhumo omncinci kwenkampani, ngokuqhelekileyo u-2-3%, ibhalansi esele ihlawulwa emva kokuba ibhalansi epheleleyo ihlawulwe kwinto.

I-Factoring iyimithombo ebiza kakhulu yenkxaso-mali, kodwa ixabiso liyancipha ngoba inkampani yokwenza imali ithatha yonke umngcipheko wokungagqibekanga ngumthengi.

I-factoring ibalulekile kwimveliso yokuthengisa e-United States Enyanisweni, i-industry ingubo malunga ne-80% yazo zonke izinto zase-United States, nangona amaninzi amashishini amancinci kwiindawo ezahlukeneyo zamashishini basebenzisa le ndlela yokuxhaswa ngemali xa befuna iimali-mboleko zemali ezifutshane. .

Ngamanye amaxesha, ukusebenzisa i-akhawunti eyimali efunyenwe yiyo yonke into emele phakathi kweshishini lakho elincinci kunye nokutshatyalaliswa, ngokukodwa ngexesha lokunciphisa imali okanye ezinye iintlobo zamaxesha anzima kwi shishini lakho. Unganqikazi ukuyisebenzisa ngenxa yeemfuno zakho zemali ezinkulu xa ufuna. Akukho mali eyamkelekileyo, nangona kunjalo, kwiimfuno zenkxaso-mali zexesha elide.