Saa Sikasɛm Afiri a Wɔde Klik Baako Yi Rema Nnwuma Nketewa Asɛe Komm Sika a wɔde di dwuma ntɛmntɛm no nyɛ nea wontua hwee da. Wɔ wɔn a wɔhyehyɛɛ no pii fam no, ɛte sɛ nea in-app factoring ne sikasɛm ano aduru a wɔde klik pɛnkoro yɛ nkwa kwan, a ɛma wonya sika a wɔde yɛ adwuma ntɛm ara. Nanso, sika a wɔde ma a ɛyɛ mmerɛw yi taa de bo a ɛyɛ den na ahintaw ba. Asɛm yi kyerɛkyerɛ sɛnea sikasɛm afiri yi yɛ adwuma, sɛnea ɛka a wɔbɔ no betumi ayɛ kɛse wɔ ɔkwan a ɛyɛ hu so bere a adetɔfo tua ka akyi, ne sɛnea wubetumi asusuw ɛka ne asiane ankasa ho ansa na wode adi dwuma no mu. Bɔhyɛ no yɛ nea ɛdaadaa: fa tap kakraa bi pɛ nya sika a wɔakyekyere wɔ wo sika a wɔde tua ho ka mu. Nanso sikasɛm mu ade bi a ɛyɛ den a ebetumi asɛe wo sika a wunya no komm da interface a ɛyɛ fɛ no ase. Mfiridwuma no ntease ne wo ho ban a edi kan a wode bɛbɔ wo ho ban afi asiane a ɛrenya nkɔanim yi ho wɔ nnwuma nketewa a ɛbɛkɔ so atra hɔ daa ho.
Sɛnea In-App Factoring Yɛ Adwuma Ankasa: Nneɛma a Ɛyɛ Mmerewa Ho Nsusuwii In-app factoring platforms ne wo akontaabu anaa point-of-sale software no bom tẽẽ. Sɛ woyɛ sika a wɔde tua ho ka a, app no ma wo ntɛm ara sɛ wubedi kan atua saa sika no, na mpɛn pii no ɛyɛ ne nyinaa mu ɔha biara mu nkyem kɛse. Wobɔ "gye tom," na sika no si fam wɔ wo akontaabu mu, na ɛte sɛ nea edi wo sika a ɛkɔ so no mu ahokyere no ho dwuma. Wɔayɛ adeyɛ no ama ahoɔhare, na ɛnyɛ sɛ wɔbɛhwehwɛ mu yiye. Wɔtaa de sikatua nhyehyɛe no kyerɛ sɛ ɔha biara mu nkyem ketewaa bi a ɛnyɛ den. Eyi ma wonya adwene a ɛne sɛ wobetumi atɔ nneɛma a ɛkata afe afe ka a etu mpɔn no so. Ɛnyɛ sɛ woregye bosea a wɔde bɔ bosea a wɔde di dwuma wɔ amanne kwan so; woretɔn sika a wubegye daakye no wɔ sika a wɔatew so. Ɛka ankasa a wɔbɔ no wɔ nkyerɛwee a ɛyɛ fɛ no mu. Wɔbu saa "sika ketewa" no wɔ sika a wɔadi kan no so, nanso dɔn a ɛwɔ saa sika no so no fi ase bɔ bere a wugye sika no. Sɛ w’adetɔfo gye nnafua 60 ansa na watua sen sɛ obetua 30 a, saa sika kɛse no ho ka mmɔho abien, na ɛka mfaso a wubenya wɔ saa adetɔn no mu no kɛse.
The Compounding Fee Problem: Bere a Ka a Wotua Ka Akyi no Ma Ɛka a Ɛkɔ So no Ade a asiane wom sen biara wɔ sikasɛm afiri a wɔde klike pɛnkoro yi mu ne sɛnea sika a wɔbɔ no yɛ kɛse no. Asiane no fi nea ɔde sika fɛm no hɔ kɔ wo, adwuma wura no nkyɛn. Sɛ wo client no twentwɛn sika a wotua no ase a, wokɔ so tua dapɛn biara anaa ɔsram biara ka wɔ sika a wɔadi kan agye no ho. Susuw tebea a ɛtaa ba yi ho hwɛ:
Da a Ɛto so 1: Wobɔ obi a ɔpɛ sɛ ɔyɛ adwuma no ho ka $10,000 a nnafua 30 na ɛyɛ adwuma. Da a edi kan: App no de 85% advance ($8,500) ma de tua 3% ($255). Da a ɛtɔ so 45: Wo client no da so ara ntuaa ka. Platform no gye 1.5% dapɛn biara ka foforo ($127.50 dapɛn biara) kosi sɛ invoice no besiesie. Nea efi mu ba: Sɛ nea ɔrehwehwɛ no tua ka wɔ Da a ɛto so 60 a, wo ka nyinaa kɔ soro kodu $510. Woatua 6% ka wɔ ɔkwan a etu mpɔn so wɔ nnafua 60 a woadi kan ayɛ ho, APR a ebetumi aboro 30%.
Saa nhyehyɛe yi de nkannyan a ɛnteɛ ba. Adwumakuw a ɛhwɛ sikasɛm so no nya akatua ɔkwan biara so, bere a w’adwuma no gye asiane a ɛwɔ hɔ sɛ wubetua ka akyiri no nyinaa. Eyi betumi adan sika a wɔde tua ho ka biako a ɛkyɛ no adan sikasɛm mu ahokyere kɛse ntɛm ara.
Sɛnea Wobɛsusu Nokware Ka Ho Na Woabɔ W’adwuma Ho Ban Ansa na wode sikasɛm ho ɔkwan biara a wobɛfa so ntɛm ara bedi dwuma no, ɛsɛ sɛ wohwɛ kɔ akyiri sen sika a wɔde di kan tua no. Smart founders yɛ nokware ɛka nhwehwɛmu de kwati saa afiri yi. Eyi hwehwɛ sɛ wobu Afe afe Bo a Etu mpɔn (EAR) anaa Afe Ɔha biara mu Ɔha biara mu Bo (APR) a ɛwɔ sikatua nhyehyɛe no mu. Bisa nsɛm a ɛho hia yi:
Sɛ m’afɛfoɔ tua wɔ berɛ ano a, sika a wɔbɔ nyinaa yɛ ɔha mu nkyekyɛmu ahe? Sɛ wotua ka akyiri a, dɛn ne sika foforo a wotua bere ne bere mu, na ɔkwan bɛn so na wobu ho akontaa? So bere bi wɔ hɔ a wɔde tua ho ka a ɛba fam koraa anaasɛ sika afoforo a wɔde asie? Sɛ wɔantua sika a wɔde tuaa ho ka no nnafua 90 anaa 120 a, dɛn ne ɛka a enye koraa?
Fa saa ka yi toto atetesɛm mu boseabɔ akwan, adwumayɛ ho boseabɔ kaad, anaa mpo bootstrapping akwan a mmerante ne mmabaa a wɔn ho akokwaw a wosisi nnwuma wɔ gua soronko so de di dwuma no ho. Mpɛn pii no, nea wosusuw sɛ ɛyɛ mmerɛw no ba wɔ sika a wɔbɔ a ɛboro mfaso a ɛwɔ so no so.
Akwan a Wɔfa so Yɛ Akwankyerɛ a Wɔde Si Sika a Wɔde Ma Ntɛm ara Sika a ɛkɔ so no ho nhyɛso a ɛba ntɛm ara no betumi ahyɛ gyinaesi ahorow a wɔyɛ no ntɛmntɛm. Nanso, adwuma a ebetumi agyina ano a wobesi no hwehwɛ sɛ wɔyɛ sikasɛm ho nhyehyɛe a ɛfata. Sɛ́ anka wobɛbɔ wo ho ban wɔ sikasɛm a wɔde klik pɛnkoro so no, susuw anammɔn atitiriw yi ho:
Hyɛ Wo Invoicing Mmara no Den: Hwehwɛ sɛ wode sika to hɔ ma nnwuma akɛse anaasɛ fa net-15 nsɛm di dwuma sen sɛ wode net-30 bedi dwuma. Yɛ Sika a Wɔde Sie: Fa sika biara a wotua no mu ɔha biara mu nkyem ketewaa bi ma adwuma bi a wɔde sie ma ɛnyɛ nea ɛbɛba daakye. Nya Sikakorabea Abusuabɔ: Bere a wɔde sika a wɔde bɔ bosea a wɔde di dwuma wɔ amanne kwan so no hwehwɛ sɛ wɔyɛ nkrataa pii de, nanso ɛma wonya sika ne nsɛm a ɛkorɔn koraa. Fa Mfiridwuma Di Dwuma Nyansa Mu: Fa nnwinnade a ɛma adwumayɛ tu mpɔn ne afɛfo sikatua tu mpɔn, te sɛ iPhone app a wɔakamfo no ma video editing a ɛma afɛfo nneɛma a wɔde ma no yɛ mmerɛw, ɛnyɛ nnwinnade a ɛma ɛka kɛkɛ.
Ɛsɛ sɛ sikasɛm yɛ aadwinnade a wɔahyɛ da ayɛ, na ɛnyɛ su a wɔde susuw nneɛma ho. Sɛnea adwumayɛ mu nkɔso a ɛyɛ nwonwa ma mfaso a ɛtra hɔ daa ba no, saa ara na ɛsɛ sɛ wo sikasɛm nhyehyɛe ma wogyina pintinn bere tenten, na ɛnyɛ sɛ ɛbɛma woasiesie bere tiaa bi kɛkɛ.
Awiei: Di Wo Sika a Wobɛkɔ So So Sikasɛm afiri a wɔde klik pɛnkoro no di ntɛmpɛ ne sikasɛm mu nsɛnnennen ankasa a nnwuma nketewa hyia no. Bere a kapital a wubenya ntɛm ara no yɛ sɔhwɛ no, ɛka a wɔbɔ no kɛse ne asiane ahorow a ahintaw no betumi ama mfaso a woabɔ mmɔden anya no asɛe komm. Ɛdenam ɛka a wɔbɔ ankasa a wobɛte ase, nsɛm a ɛfata a wubebisa, ne akwan foforo a wobɛfa so ayɛ adwuma a wobɛhwehwɛ mu so no, wubetumi asi sikasɛm ho gyinae a tumi wom. Mma sɛnea ɛyɛ mmerɛw no nsɛe w’adwumakuw no sikasɛm akwahosan. Sɛ wopɛ nhumu pii wɔ adwuma a nyansa wom, a ɛyɛ den sɛ wobɛkyekyere ho a, hwehwɛ nneɛma ne akwan a Seemless kyɛ no mu. Momma yɛnkyekye nnwuma a ɛkɔ so yiye wɔ nea emu da hɔ so, na ɛnyɛ sɛ yɛbɛtra ase wɔ ɛka so kɛkɛ.
