Ukuxhaswa kweeNkxaso-mali ezisekelwe kwi-Asset Based: Indlela eSebenza ngayo kunye neziNcedo zayo

Indlela yokufumana ukufikelela kwintsebenzo engaphezulu

Ngenxa yenkxalabo yezoqoqosho yakutshanje kumazwe amaninzi, iinkampani ezininzi ziye zafuneka zinyamezele iingxaki zemali. Ngenxa yalokhu, imali ebolekileyo yemali mboleko ibe yinto enzima ukuza kuba amaziko amaninzi emali azimisele ukuwanika. Ngenxa yoko, ezininzi iinkampani zenze isigqibo sokusebenzisa iimpahla zabo njengezibambiso kubathengi kwizinto ezibhekiselwe kuzo njengemali-mboleko yemali-mboleko.

Ngaloo ndlela, inkxaso-mboleko yemali-mboleko yinkxaso-mali yinkqubo apho ipahla zeenkampani zisetyenziselwa ukuthenga imali mboleko kubabolekisi.

Uninzi lwezihlandlo esi sigqibo sifinyelelwa yinkampani xa kufuneka ukuba ibe nemali enkulu yokusebenza ukwenzela ukwandiswa kweenjongo . Kuzo zonke iimali-mboleko ezixhomekeke kwi-asethi (ABL), inzala yomthengi ikhuselekile yimpahla yomboleki ekwazisa indlela enkulu yemboleko ngayo inkampani.

Kuhle ukuba uqaphele ukuba iinkampani ezincinane kunye namakhulu amakhulu zinokufumana umboleko we-ABL. Ezi zibandakanya abathengisi, abathengisi, abapapashi kunye nababoneleli ngeenkonzo. Nangona kunjalo, abaninzi ababolekisi be-aseset bafuna inkampani ngekharityhulam elizinzile elinempahla enezinto ezinamandla.

Ubani Osebenzisa Imali Yengxowa-mali?

Ezi mboleko zivame ukucetyiswa xa kunokwenzeka ukuba inkampani idinga imali yokusebenza ukuze ugcine yonke imisebenzi yayo eqhelekileyo yokusebenza. Ngoko ke, inkampani ikhetha ukusebenzisa i-asethi yayo ukuze ifumane uncedo lwezezimali kubaboleki. Kule meko, ipahla zeenkampani zisetyenziselwa ukubambisa.

Ziziphi iiAspahla ezinokusetyenziswa kwiNkampani njengeNgcaciso?

Abaninzi abbolekayo bathanda ukuthatha i- akhawunti efunyenwe njengento yokubambisa.

Nangona kunjalo, inkampani isenokusebenzisa izixhobo zayo, uomatshini, i-real estate kunye ne-inventory njenge-collateral.

Yintoni ecacisa ukuba Uninzi lwe-Asset Based Loan eyenziwa yiNkampani?

Azikho zonke iinkampani ezinokunikwa imali efanayo. Ngamanye amaxesha inani elithengiswa yinkampani alinakunikwa ngumboleki ngenxa yemithetho ethile ekhokela inkqubo yokuboleka imali.

Ngokuqhelekileyo, inkampani ivumelekile ukuboleka phakathi kwe-75% -80% yexabiso lemali efunyenweyo yeakhawunti. Ngakolunye uhlangothi, xa i-inventory isetyenziselwa ukubambisa, inkampani iyafaneleka ukuboleka imali elingana ne-50% yexabiso le-inventory.

Yiyiphi iindleko ze-Asset Based Loan?

Iindleko zale mboleko zixhomekeke kwixabiso lentengo esetyenzisiweyo, isixa semboleko esinikwe kunye nomngcipheko jikelele ochaphazelekayo. Amaxesha amaninzi indleko yemboleko ixabiso ngokwemali yepesenti yonyaka (APR) ephakathi kwe-7% ne-17%.

Inkqubo yokuBambisana neNkqubo yokuThuthukiswa komsebenzi?

Ngaphambi kokuba umnini-mboleko avume ukubonelela ngemboleko kunoma iyiphi nayiphi na inkampani, kufuneka enze uphando malunga nesimo semali yenkampani , uhlobo lobambiswano olusetyenziswayo kunye nokuhamba ngeencwadi zezimali zeenkampani.

Ziziphi iinzuzo zeMali-based Based Loans kwiNkampani?

I-ABL inenzuzo kakhulu kwinkampani ngeendlela ezilandelayo:

1. Unokufumaneka ngokukhawuleza - Ngokungafani nezinye iimali-mboleko eziqhelekileyo ezifuna amaxwebhu amaninzi, i-ABL ilula ukuyifumana ngaphandle kweenzuzo xa nje inkampani ihlangabezana neemfuno zokuboleka.
2. Ukuzinza kwezemali - Le mboleko ingakwazi ukunyanzela inkampani ehamba ngamaxesha obunzima obunzima kwaye ibuyiselwe ngokukhawuleza kwiimeko ezizinzileyo zezemali. Oku kubangelwa ukuba bazinikezwa ngexesha elifutshane ukwenzela ukwandisa ukuhamba kwemali yenkampani.

1. Elula ukuthelekiswa nezinye iintlobo zemali-mboleko - Ngokwenene, kulula ukufumana umboleko we-ABL xa kuthelekiswa nezinye iindleko zemboleko. Oku kubangelwa ukuba kukho iinkqubo ezimbalwa ezibandakanyekayo. Yintoni ekufuneka iqwalaselwe yimeko yezemali yenkampani kunye nexabiso lentengo esetyenzisiweyo.
2. Ukulungelelanisa ngakumbi ngokwemimiselo - Imali-mboleko esekelwe kwi-Asset iguquguquka kakhulu xa ivela kwindlela inkampani echitha ngayo. Ayifani kunye nezikhonkwane eziqhotyoshelweyo, njengezinye iifomu zemboleko.
3. Ukungabikho kwetyala - Inkxaso-mboleko yemali-mboleko ye-asethi yindlela efanelekileyo yeyona nkampani efuna ukuhlala ikhululekile ngamatyala kwaye ukugcina iinketho zokuboleka kweenkampani zivulekile.