Lesi Sicupho Sokuthola Imali Ngokuchofoza Okukodwa Sikhipha Amabhizinisi Amancane Buthule Imali esheshayo ayilokothi ibe mahhala. Kubasunguli abaningi, ukufaka phakathi nohlelo kanye nezisombululo zezimali zokuchofoza okukodwa kubonakala kuwukuphila, okunikeza imali yokusebenza ngokushesha. Kodwa-ke, lolu xhaso olulula ngokuvamile lufika nenani eliwumqansa nelicashile. Lesi sihloko sichaza ukuthi lesi sicupho sezezimali sisebenza kanjani, ukuthi izinkokhelo zingahlanganiswa kanjani ngendlela eyingozi uma amakhasimende ekhokha sekwephuzile, nokuthi ungazihlola kanjani izindleko zangempela nobungozi ngaphambi kokuzisebenzisa. Isithembiso siyayenga: finyelela izimali eziboshelwe kuma-invoyisi akho ngokuthepha nje okumbalwa. Kodwa ngaphansi kwesixhumi esibonakalayo esicacile kukhona umkhiqizo wezezimali oyinkimbinkimbi ongacekela phansi amamajini akho buthule. Ukuqonda umakhenikha kuwukuzivikela kwakho kokuqala kulolu songo olukhulayo ekusimameni kwamabhizinisi amancane.
Indlela I-In-App Factoring Esebenza Ngayo Ngempela: Inkohliso Yokubalula Izingxenyekazi ze-In-app factoring zihlanganisa ngokuqondile ne-accounting yakho noma isofthiwe yokuthengisa. Uma ukhiqiza i-invoyisi, uhlelo lokusebenza ngokushesha lukunikeza kusengaphambili kuleyo nkokhelo, ngokuvamile ngephesenti elikhulu lengqikithi. Uchofoza okuthi "yamukela," bese izimali zingena ku-akhawunti yakho, kubonakala sengathi zixazulula inkinga yakho yokungena nokuphuma kwemali. Inqubo yakhelwe isivinini, hhayi ukucutshungulwa. Isakhiwo senkokhelo sivame ukwethulwa njengephesenti elilula, elincane. Lokhu kudala inkohliso yokukwazi ukuthengeka okufihla izindleko ezisebenzayo zonyaka. Awuthathi mboleko yendabuko; uthengisa okutholwayo kwesikhathi esizayo ngesaphulelo. Izindleko zangempela zibhalwe phansi. Leyo "mali encane" ibalwa enanini elithuthukisiwe, kodwa iwashi kuleyo mali liqala ukuphawula ngesikhathi owamukela ngaso izimali. Uma ikhasimende lakho lithatha izinsuku ezingu-60 ukukhokha esikhundleni sezingu-30, izindleko zaleyo mali iphinda kabili, okunomthelela omkhulu kwinzuzo yakho kulokho kuthengiswa.
Inkinga Yenkokhelo Ehlanganisiwe: Lapho Izinkokhelo Sekwephuzile Zakha Ukuvunguza Kwesikweletu Isici esiyingozi kakhulu salolu gibe lwezezimali lokuchofoza okukodwa ukuthi izinkokhelo zihlanganiswa kanjani. Ingcuphe idluliswa isuka kombolekisi iye kuwena, mnikazi webhizinisi. Uma iklayenti lakho libambezela ukukhokha, uyaqhubeka nokufaka izinkokhelo zamasonto onke noma zenyanga enani elithuthukisiwe. Cabangela lesi simo esivamile:
Usuku 1: U-invoyisa iklayenti u-$10,000 ngemigomo yezinsuku ezingu-30. Usuku 1: Uhlelo lokusebenza lunikeza kusengaphambili u-85% ($8,500) ngenkokhelo engu-3% ($255). Usuku 45: Iklayenti lakho alikakakhokhi. Inkundla ikhokhisa enye inkokhelo yeviki engu-1.5% eyengeziwe ($127.50 ngeviki) kuze kube yilapho i-invoyisi isilungile. Umphumela: Uma iklayenti likhokha ngoSuku lwama-60, amabhaluni akho emali ephelele abe ngu-$510. Ukhokhe ngempumelelo inkokhelo engu-6% yezinsuku ezingama-60 kusengaphambili, i-APR engadlula u-30%.
Lesi sakhiwo sidala isisusa esiphambene. Inkampani exhasa ngezimali ikhokhelwa nganoma iyiphi indlela, kuyilapho ibhizinisi lakho lithatha bonke ubungozi bokukhokha sekwephuzile. Lokhu kungashintsha ngokushesha i-invoyisi eyodwa ebambezelekile ibe umkhiqizi omkhulu wezezimali.
Uzihlola Kanjani Izindleko Zangempela Futhi Uvikele Ibhizinisi Lakho Ngaphambi kokusebenzisa noma iyiphi inketho yokuxhasa ngezimali ngokushesha, kufanele ubheke ngale kwesilinganiso sangaphambilini. Abasunguli abahlakaniphile benza ukuhlaziya izindleko zangempela ukuze bagweme lolu gibe. Lokhu kuhilela ukubala Isilinganiso Sonyaka Esisebenzayo (EAR) noma Isilinganiso Sephesenti Lonyaka (APR) sesakhiwo senkokhelo. Buza le mibuzo ebalulekile:
Ingakanani inani lemali ekhokhwayo uma iklayenti lami likhokha ngesikhathi? Ithini enye imali ekhokhwa ngezikhathi ezithile uma inkokhelo yephuzile, futhi ibalwa kanjani? Ingabe kunesikhathi esincane senkokhelo noma ezinye izinkokhiso ezifihliwe? Ingakanani izindleko zesimo esibi kakhulu uma i-invoyisi ingakhokhelwa izinsuku ezingama-90 noma eziyi-120?
Qhathanisa lezi zindleko nemigqa yendabuko yesikweletu, amakhadi esikweletu ebhizinisi, noma ngisho nezindlela zokuqalisa kabusha ezisetshenziswa osomabhizinisi abasafufusa abakha amabhizinisi ezimakethe ze-niche. Ngokuvamile, ukusebenziseka okucatshangwayo kuza ngenani eliphakeme kakhulu kunenzuzo.
Izindlela Ezihlukile Zentuthuko Yemali Esheshayo Ingcindezi esheshayo yokugeleza kwemali ingaphoqa izinqumo zokuxhamazela. Kodwa-ke, ukwakha ibhizinisi eliqinile kudinga ukuhlelwa kwezimali kwamasu. Esikhundleni sokuzenzakalela ekuxhasweni ngokuchofoza okukodwa, cabangela lezi zinyathelo eziyisisekelo:
Qinisa Imigomo Yakho Ye-invoyisi: Dinga amadiphozithi amaphrojekthi amakhulu noma sebenzisa imigomo ye-net-15 esikhundleni se-net-30. Yakha I-Cash Reserve: Nikeza iphesenti elincane lenkokhelo ngayinye ku-akhawunti yokonga yebhizinisi ukuze uthole izikhala ezizayo. Hlakulela Ubudlelwano Bamabhange: Umugqa ojwayelekile wesikweletu, kuyilapho udinga amaphepha amaningi, unikeza amanani nemibandela ephakeme kakhulu. Sebenzisa Ubuchwepheshe Ngokuhlakanipha: Sebenzisa amathuluzi athuthukisa ukusebenza kahle kanye nokukhokha kwekhasimende, njengohlelo lokusebenza lwe-iPhone oluhlonishwayo lokuhlelwa kwevidiyo oluqondisa okulethwa amaklayenti, hhayi nje amathuluzi anikeza isikweletu.
Ukuxhaswa ngezimali kufanele kube aithuluzi ngamabomu, hhayi umkhuba ocabangayo. Njengoba nje ukunyakaza kwebhizinisi okuhlakaniphile kudala inani elihlala njalo, isu lakho lezezimali kufanele lakhe ukuzinza kwesikhathi eside, hhayi nje ukuhlinzeka ngokulungiswa kwesikhashana.
Isiphetho: Lawula Ukugeleza Kwemali Yakho Uxhaxha lwezimali ngokuchofoza okukodwa lusebenzisa ukuphuthuma kanye nokugeleza kwemali kwangempela kuyinselelo amabhizinisi amancane abhekana nayo. Nakuba ukufinyelela okusheshayo kwezimali kulinga, izimali ezihlanganisiwe kanye nezingozi ezifihliwe zingaqeda inzuzo yakho oyisebenze kanzima buthule. Ngokuqonda izindleko zangempela, ukubuza imibuzo efanele, kanye nokuhlola ezinye izindlela zamasu, ungenza izinqumo zezimali ezinamandla. Ungavumeli ukusebenziseka kalula kubukele phansi impilo yezezimali yenkampani yakho. Ukuze uthole imininingwane eyengeziwe ekwakheni ibhizinisi elihlakaniphile, eliqinile, hlola izinsiza namasu okwabelwana ngawo i-Seemless. Ake sakhe amabhizinisi athuthukayo ngokucaca, hhayi nje ukuphila ngezikweletu.
