Ingcamango yokuxhaswa kwempahla yezoshishino isebenza kwizinto zombini kunye neefayili ezifunyenweyo . Iintlobo ezimbini zokuxhaswa ngemali zithelekiswa kwaye i-finance inventory ichazwe kweli nqaku.
Yiyiphi i-Inventory Financing?
Inkxaso-mali yokusebenzisa imali isebenzisa i-inventory yakho yezobhengezo njengebhondi kwimali-mboleko.
Imali yokusetyenziswa kwemali isetyenziswe ngabavelisi bemveliso yabathengi kunye nabathengisi (kubandakanye nemoto, iloli, iRV, isithuthuthu), kuba banemali ebalulekileyo eboshwe kwi-inventory yabo. Ibhizinisi lingasebenzisa ixabiso le-inventory ukukhusela i-kredithi yezorhwebo ngokunyusa kwoshishini.
Indlela yokuSebenza ngezeMali - Umzekelo
Masithi umthengisi wemoto ufuna ukwandisa i-inventory, ukuthenga iimoto ezongezelelweyo ngenxa yokunyuka okulindelekileyo kwimpahla emitsha yokuthengisa. Umthengisi kufuneka athenge i-inventory evela kumenzi wemoto, kodwa izithuthi zibiza.
Umthengisi ufumana mboleko kwiinkampani zenkxaso, ngokusekelwe kwixabiso lemoto. Xa imoto ithengiswa, umthengisi unokuhlawula isahlulo semali mboleko enxulumene naloo moto, okanye uthenge enye into yokuthengisa. Njengoko uyakubona, ukuhlawula imali kuyingxenye yomjikelezo wokuvelisa ukuthenga, ukwenza, nokuthengisa.
Ngenxa yokuba ukuthengwa kwexabiso kunciphisa ixabiso, kungenamanzi amaninzi (okuncinci ukuguqulwa ibe yimali kwixabiso elipheleleyo), kuneengxelo ezifunyenweyo, ngoko awukwazi ukufumana ixabiso elipheleleyo kwi-finance yakho.
Ngexesha lokuqwalasela (kwaye ungaqwalasela) Ukuxhaswa kwemali
Ukuba i-inventory yakho ithengisa kakuhle kwaye unesidingo semali yokugcina ukuthengisa, unokufuna ukucinga ngezimali zokufuma. Ukuba i-inventory yakho ingekho kumhla okanye ingathengi (unako ukuhlawuleka), kungenokuba ukuzilumka ukuzama ukuhlawula imali, ngenxa yokuba awufumani umboleki.
Yintoni enye efunekayo kwiNgxowa-mali yokuThengisa
Njengoko kunye nezinye iifom zenkxaso-mali, uya kufuna iirekhodi ezifanelekileyo zekhredithi kunye uluhlu lwempahla ofuna ukuyifumana, kunye nexabiso. Uya kufuneka ube nokukwazi ukuchaza indlela yokubala yezinto zokusebenzisa usebenzisa (i-LIFO okanye iFIFO okanye iindleko eziqhelekileyo).
Uya kufuneka kwakhona isicwangciso soshishini ukubonisa ukuba izicwangciso zakho zokusebenzisa imali mboleko kunye nendlela uza kuwuhlawula ngayo. Umboleki uya kukunika uqikelelo lwemali ongayiboleka ngayo kwi-inventory.
Nangona i-Inventory ibonelelwa ngemali
Ngoxa i-inventory yakho ilindele ukuthengiswa, kuya kufuneka ugcine umkhondo kwaye uqinisekise ukuba ukulungiswa kakuhle kunye nesimo. Umboleki wakho unelungelo lokuhlola i-inventory ukuqinisekisa ukuba ligcine ixabiso layo.
Ukuxhaswa kweeNkxaso-mali kunye neeAkhawunti ezithengiweyo
Iimali ezifunyenweyo (iimali ezifunekayo kwishishini lakho ngabathengi) zixhaswa ngemali ngokuthengiswa kwinkampani ebizwa ngokuba yi-agent agentoring. I-companyoring factor izama ukuqokelela imali. Imboleko iyancitshiswa kakhulu kwixabiso lemali elifunyenweyo, ngenxa yobunzima kunye neendleko zokuqokelela.