Iyi One-Click Financing Trap iri Kubvisa Chinyararire Mabhizinesi Madiki Fast cash haitombosunungurwi. Kune vakawanda vanovamba, in-app factoring uye kamwechete-kudzvanya mari mhinduro inoita senzira yehupenyu, inopa mari yekushanda nekukurumidza. Nekudaro, iyi mari iri nyore inowanzouya nemutengo wakakwira uye wakavanzika. Ichi chinyorwa chinotsanangura mashandiro anoita musungo uyu wemari, kuti muripo ungawedzera zvine njodzi kana vatengi vachinonoka kubhadhara, uye kuti ungaongorora sei mutengo chaiwo uye njodzi usati waishandisa. Vimbiso inonyengedza: mari yekuwana yakasungirirwa mumainvoice ako nematepi mashoma. Asi pasi peiyo sleek interface pane chakaomarara chigadzirwa chemari chinogona kukanganisa chinyararire mapeji ako. Kunzwisisa mechanics ndiko kudzivirira kwako kwekutanga kurwisa uku kutyisidzira kukusimudzira bhizinesi diki.
Iyo In-App Factoring Inonyatsoshanda: Iyo Illusion yeKupusa Mu-app factoring mapuratifomu anobatanidza zvakananga neakaunti yako kana poindi-yekutengesa-software. Kana iwe ukagadzira invoice, iyo app inobva yakupa iwe kumberi pakubhadhara ikoko, kazhinji kune yakakura muzana yehuwandu. Iwe unodzvanya "gashira," uye mari inogara muakaunti yako, ichiita kunge iri kugadzirisa yako yekuyerera kwemari. Iyo nzira yakagadzirirwa kukurumidza, kwete kuongororwa. Mamiriro emubhadharo anowanzo kuratidzwa seyakapusa, diki muzana. Izvi zvinogadzira fungidziro yekukwanisa kuvharisa mutengo wepagore unoshanda. Iwe hausi kutora chikwereti chechinyakare; uri kutengesa zvauchawana mune ramangwana nemutengo wakaderera. Mutengo chaiwo uri mufine print. Iyo "muripo mudiki" inoverengerwa pamari yepamusoro, asi wachi pamutengo iwoyo inotanga kukanda nguva yaunogamuchira mari. Kana mutengi wako akatora mazuva makumi matanhatu kubhadhara pachinzvimbo chemakumi matatu, mutengo weiyo capital inopetwa kaviri, zvichikanganisa purofiti yako pakutengesa ikoko.
Dambudziko rekubhadhara mari: Kana Kunonoka Kubhadhara Gadzira Chikwereti Spiral Chinhu chine njodzi pane iyi yekudzvanya mari musungo ndeyekuti muripo unowaniswa sei. Ngozi inotamiswa kubva kune mukweretesi kuenda kwauri, muridzi webhizinesi. Kana mutengi wako akanonoka kubhadhara, iwe unoramba uchibhadhara vhiki nevhiki kana pamwedzi mubhadharo pamari yepamusoro. Funga nezvechiitiko ichi chinowanzoitika:
Zuva rekutanga: Unopa mutengi $10,000 nematemu emazuva makumi matatu. Zuva rekutanga: Iyo app inopa 85% yepamberi ($8,500) yemubhadharo we3% ($255). Zuva 45: Mutengi wako haasati abhadhara. Ipuratifomu inobhadharisa imwe 1.5% mubhadharo wevhiki nevhiki ($127.50 pasvondo) kudzamara invoice yagadziriswa. Mhedzisiro: Kana mutengi achibhadhara paZuva 60, mabharuni ako ese emari kusvika kumadhora mazana mashanu negumi. Iwe wakanyatsobhadhara mari ye6% yemazuva makumi matanhatu ekutanga, APR inogona kudarika 30%.
Ichi chimiro chinogadzira kukurudzira kwakashata. Kambani yekubhadhara mari inobhadharwa neimwe nzira, nepo bhizinesi rako richitora njodzi yese yekunonoka kubhadhara. Izvi zvinogona kukurumidza kushandura invoice imwe yakanonoka kuita dhizaini yakakosha yemari.
Maitiro Ekuongorora Mutengo Wechokwadi uye Dzivirira Bhizinesi Rako Usati washandisa chero sarudzo yekukurumidza mari, iwe unofanirwa kutarisa kupfuura iyo yekutanga chiyero. Vagadziri veSmart vanoita ongororo yechokwadi yemutengo kudzivirira iyi musungo. Izvi zvinosanganisira kuverenga Kushanda Kwepagore Rate (EAR) kana Annual Percentage Rate (APR) yechimiro chemuripo. Bvunza iyi mibvunzo yakakosha:
Ndeipi chikamu chemari yese kana mutengi wangu akabhadhara nenguva? Ndeipi mari yekuwedzera nguva nenguva kana kubhadhara kwanonoka, uye kunoverengwa sei? Pane here nguva shoma yemubhadharo kana mamwe machaji akavanzika? Ndeipi iyo yakaipisisa-yechiitiko mutengo kana invoice ikasabhadharwa kwemazuva makumi mapfumbamwe kana zana nemakumi maviri?
Enzanisa mutengo uyu nemitsetse yechinyakare yekiredhiti, bhizinesi rekiredhiti makadhi, kana kunyange nzira dzebootstrapping dzinoshandiswa nevanoziva mabhizinesi vechidiki vanovaka mabhizinesi mumisika niche. Kazhinji, iyo inofungidzirwa kuve nyore inouya pamutengo unodarika kubatsirwa.
Strategic Alternatives kune Instant Cash Advances Kurumidza kuyerera kwemari kumanikidza kunogona kumanikidza kuita zvisarudzo zvekumhanya. Nekudaro, kuvaka bhizinesi rakatsiga kunoda kuronga kwemari. Panzvimbo yekusamira kune imwe-tiya mari, funga aya ekutanga matanho:
Simbisa Matemu Ako eInvoice: Inoda madhipoziti emapurojekiti makuru kana kuita net-15 mazwi pane net-30. Vaka Cash Reserve: Ipa chikamu chidiki chemubhadharo wega wega kuaccount yekuchengetedza bhizinesi kune mamwe mapeji. Gadzira Hukama hweBhangi: Mutsara wechinyakare wechikwereti, nepo ichida mamwe mapepa, unopa mareti epamusoro uye mazwi. Shandisa Tekinoroji Nehungwaru: Shandisa maturusi anonatsiridza mashandiro uye kubhadhara kwevatengi, seyakazivikanwa iPhone app yekugadzirisa vhidhiyo inofambisa zvinounzwa nevatengi, kwete maturusi chete anopa chikwereti.
Mari inofanira kuva achishandiso nemaune, kwete tsika yekuchinja. Sezvinongoita bhizinesi rakanakisa rinogadzira kukosha kunogara, zano rako rezvemari rinofanira kuvaka kugadzikana kwenguva refu, kwete kungopa kugadzirisa kwenguva pfupi.
Mhedziso: Tora Kudzora Kwemari Yako Inoyerera Iyo yekudzvanya-imwe mari musungo inobata nekukurumidza uye kuyerera kwemari kwechokwadi matambudziko anotarisana nemabhizinesi madiki. Nepo iyo yekukurumidza kuwana capital iri kuyedza, muripo wekuwedzera uye njodzi dzakavanzika dzinogona kunyura chinyararire purofiti yako yawakawana nesimba. Nekunzwisisa mutengo chaiwo, kubvunza mibvunzo yakakodzera, uye nekuongorora dzimwe nzira, unogona kuita sarudzo dzakasimba dzemari. Usarega zviri nyore kukanganisa hutano hwemari hwekambani yako. Kuti uwane mamwe manzwisisiro ekuvaka bhizinesi rakangwara, rakasimba, tsvaga zviwanikwa uye mazano akagovaniswa neSeemless. Ngativakei mabhizinesi anobudirira nekujeka, kwete kungorarama nechikwereti.
