I-Capital Capital, i-Net Operating Capital, kunye neMali-mboleko yeMisebenzi
I-Capital Capital yimalini yemali ebolekwe kwibhankini okanye omnye umbolekisi kwaye isetyenziswe ngoshishino olutsha ngemali yokugcina imisebenzi kunye nokuhlawula iibhili. Imali ephezulu yokusebenza yintlukwano yohlukwano phakathi kwazo zonke i-asethi ezikhoyo ngokunciphisa zonke iimfanelo ezikhoyo.
Iimpahla zangoku zizo zixhobo onokuzijika ngokukhawuleza, njengemali efunyenweyo. Iimfanelo zamanje zizo ezo iindleko omele uzihlawule ngoku okanye ngokukhawuleza.
Uyabona ukuba into esiyithethayo ngayo ngemali yokusebenza iyimali.
Ukubaluleka koMsebenzi oPhethe
Amashishini asebenza rhoqo ngosuku ngemali yokusebenza. Usenokuthi i-capital capital yegazi-impilo ye-shishini. Akukho igazi kwaye ishishini liyayeka. Oku kuyinto encinci kodwa ndifuna ukugxininisa ukubaluleka kwayo. . Kwimashishini amaninzi amatsha, ukufumana imali eyaneleyo yokusebenza kuthetha ukuhlukana phakathi kweempumelelo kunye nokungaphumeleli kweshishini.
Ukuba nenkunzi eyaneleyo yokusebenza kwishishini lakho ukusebenza imihla ngemihla ibaluleke kakhulu ngexesha lesigaba sokuqalisa. Kule ngongoma, unokufumana uncedo olubi lwe-net net, kuba imali iphuma ngokukhawuleza kunokuba ingena. Futhi unokugqiba isigqibo sokuba ufuna umboleko ukufihla iindleko zakho ngelixa usebenza ekufikeleleni kwindawo efanelekileyo yokusebenza - , bephethe imali kwiibhanki.
Usebenza njani ngexabiso lokusebenza?
Imali yokusebenza kwiphepha lemali-mali ibandakanya yonke i- asethi ekhoyo : imali, i- akhawunti efunyenweyo , iifayili zokubhadela, kunye ne- inventory .
Ezi zinto zekharityhulam ziyakwazi ngokukhawuleza ziguquke zibe yimali, ukuba kuyimfuneko, ukuhlawula iindleko zangoku zoshishino
Njengoko kuphawuliwe ngasentla, n kunye ne-capital capital iyimetrikhi yemali esetyenziswa ukuhlalutya amandla ebhishini. Umlinganiselo: i- asethi yangoku iyancipha iimfanelo ezikhoyo = i-net work capital. Umlinganiselo omhle ube ngowesi-2: 1; ngokuphindwe kabini kwii-asethi ezikhoyo njengamatyala angoku.
Inombolo ekhoyo ye-asethi yangoku ivumela ukuthengiswa kwezinto ezikhoyo ngokukhawuleza, ngokuqhelekileyo ekulahlekeni, ukuhlawula amatyala akhoyo.
Usebenza njani i-Capital Capital esetyenziswa kwiShishini?
Inkcitho yokusebenza yinkcazo yemali (cash). Ibhizinisi lingabonisa "inzuzo," kodwa ukuba ayikwazi ukugcina indawo efanelekileyo yengxelo yemali (oko kukuthi, ukuba nemali ebhankini ukuhlawula iindleko nganye ngenyanga), ishishini alinakuqhubeka nokusebenza.
Ndingayifumana njani iNgxowa-mali yokuSebenziselwa kwiNgxowa-mali yam encinci?
Kukho amaxesha amabini apho ibhizinisi lifuna iimali zengxowa-mali yokusebenza:
Ekuqaleni kwezo shishino, xa iinqununu kufuneka zihlawulwe kodwa akukho imali encinci itholakalayo kuba uqala ukuzisa imali ekuthengiseni. Ngeli xesha, unako ukufumana umxhesho wekredithi wexeshana zokusebenza , ovumela ukuba udwebe kumgca wesikweletu njengoko kuyimfuneko ukuhlangabezana nokuntuleka kwemali .
Ngamanye amaxesha utshintsho, ukukhula kunye nokwandiswa, xa ishishini lakho liqhubela phambili kwaye ufuna imali ngokukhawuleza ukuze uhlawule olo lwandiso. Kule meko, unokufuna ukuqwalasela mboleko okanye umgca wekhredithi evela kumboleki-mboleko oye usenza ngalo ishishini.
Ngokomzekelo, i-PayPal inikezela ngemboleko yemali yokusebenza yabathengi "ngeentengiso zePayPal."
Iinkqubo ezifumanekayo zeNgxowa-mali yeMali
Inkqubo ye-SBA Export Work Loan (EWCL) yinkampani ye-US amancinci amancinci akwazi ukuvelisa ukuthengiswa kwee-export, ukubanceda ukuba bandise le ntengiso.
I-SBA ithi injongo yabo kule nkqubo "kukuqinisekisa ukuba abathengisi abancinci bezentengiselwano abalahlekanga ukuthengiswa kwezinto zokuthengisa ngaphandle ngenxa yokungabikho kwemali yokusebenza."
Nazi ezinye iinkcukacha malunga nenkqubo ye-EWCL:
- I-SBA inikezela isiqinisekiso seepesenti ezingama-90 kule mali-mboleko.
- Imali-mboleko yenziwe ngabavelisi, abathengisi, iinkampani zokurhweba ngaphandle kwamanye amazwe kunye nabangaphandle beenkonzo abaye baba khona kunyaka owodwa (nangona imfuneko yonyaka omnye ingasuswa xa ibhizinisi lingabonisa ubuchule).
- Ukubambisana kwale mboleko yintengiso kwaye ifunyenwe yintengiso. I-SBA ifuna isiqinisekiso somntu siqu [abanamaphesenti angama-20 okanye ubunini bebunikazi).
- Umgca omkhulu we-EWCP we-credit / amount amount is $ 2 million.
Isiseko se- SBA 7 (a) senkqubo yemboleko iquka iimali-mboleko zemali yokusebenza.
Unokufumana kwakhona izibonelelo kunye neengcamango zemali-mboleko yemali esebenzayo ngokusebenzisa iziza ezixhamlayo , ababolekisi be-intanethi, okanye iintsapho kunye nabahlobo.