Ukuxhaswa Kwimali Yakho Ibhizinisi Qala-phezulu
Ixesha lokuqala lotyalo-mali lusetyenziswa njengemali umnini-shishini osebenzisa ukutyalomali kwiprojekthi yokutyalomali-mali, njengesiqwenga sezixhobo okanye isakhiwo.
Ngokomzekelo, utyalomali lokuqala luka-Sam ukuqala i-XYZ, Inc.
bekuyi-20,000 yee-20 zezityalo kunye nezixhobo kunye neefisi.
Yiyiphi iNkunzi?
Utyalo-mali lokuqala lubizwa ngokuba yi-capital-start-up.
Inkunzi yoshishini elincinci liyimali nje. Yinkxaso yoshishini elincinci okanye imali esetyenziswayo ukuthenga kunye nokuthenga impahla. Indleko yemali yindleko yokufumana loo mali okanye inkxaso-mali yoshishini elincinci. Iindleko zentengo-mali zibizwa ngokuba yi-sting rate.
Ngaba amashishini amancinane kakhulu akhathazeke ngeendleko zawo? Impendulo kuloo nguwe ewe! Nokuba amashishini amancinci kakhulu afuna imali ukuba asebenze kwaye imali iya kuhlawula into ethile. Iinkampani zifuna ukuba iindleko zibe ziphantsi kangangoko kunokwenzeka.
Inkunzi yinkcitho yamashishini ekusetyenzisweni ngemali. Iindleko zemali-mali nje yerhafu, okanye inzala , inyanzelisa ishishini ukufumana imali. Ukuze uqonde iindleko zemali, kufuneka uqale uqonde umgaqo-mali.
Imali yamashishini amancinci kakhulu inokuba ngumthengi wekredithi abathembela kuyo. Kwimashishini amakhulu, inkunzi ingaba yintengo yemboleko kunye nexesha elide leetyala okanye iimfanelo, eziyizibopho zenkampani.
Kutheni i-Capital Important?
Ukuze ukwakhiwa kwezityalo ezintsha, zithenge izixhobo ezintsha, uvelise iimveliso ezintsha, uphinde uphuthukise iteknoloji yolwazi, amashishini kufuneka abe nemali okanye inkunzi.
Kuzo zonke izigqibo ezinjengale, umnini-shishini okanye iGosa eliPhezulu lezeMali (CFO) kufuneka anqume ukuba ukubuyiswa kotyalo-mali kukukhulu kunendleko yemali okanye iindleko zemali ezithatha ukutyalo kule projekthi.
Abanini-shishini abaqhele ukutyalomali kwiiprojekthi ezintsha ngaphandle kokuba kubuyiselwe kwinkunzi-ntlawulo abayisebenzisayo kule projekti mkhulu kunokuba ubuncinane bilingane neendleko zemali abayisebenzisayo ukuxhasa ezi projekthi. Iindleko zengxowa-mali ziphambili kuzo zonke izigqibo zoshishino.
Iyini Indleko yeNkunzi?
Iindleko zenkampani yenkcitho yemali nje yindleko yemali eyenziwa yinkampani ukuxhasa imali. Ukuba inkampani isebenzisa kuphela amatyala okwangoku kunye netyala lexesha elide ukuxhasa ngemisebenzi yalo, ke isebenzisa ityala kunye neendleko zentengo ngokuqhelekileyo inzala yenzalo kuloo matyala.
Ukuba inkampani iyindawo kawonkewonke kwaye ityala abatyala-mali, ke indleko yenkcitho-mali iya kuba nzima. Ukuba inkampani isebenzisa kuphela iimali ezibonelelwe ngabasomali-mali, ngoko ke indleko yemali yindleko yokulingana. Ngokuqhelekileyo, olu hlobo lenkampani lunomatyala kodwa lubuye lube nemali ngemali yokulingana okanye imali abanikezeli-mali. Kule meko, indleko yemali yindleko yerhafu kunye neendleko zokulingana .
Ukudibaniswa kwetyala kunye nezimali zokulingana kwenkampani yinkampani yemali yenkampani.