Lo mgibe wokuNqakraza ngeMali omnye uKhupha ngokuzolileyo amaShishini amaNcinci Imali ekhawulezayo ayikhe ibe simahla. Kubaseki abaninzi, i-in-app factoring kunye nezisombululo zenkxaso-mali yokucofa kube kanye zibonakala ziyindlela yokuphila, ebonelela ngenkunzi yokusebenza kwangoko. Nangona kunjalo, le nkxaso-mali ifanelekileyo ihlala iza nexabiso elinyukayo nelifihliweyo. Eli nqaku licacisa ukuba usebenza njani lo mgibe wenkxaso-mali, indlela imirhumo enokuthi idibanise ngokuyingozi xa abathengi behlawula emva kwexesha, kunye nendlela onokuthi uhlole ngayo ixabiso lokwenyani kunye nomngcipheko ngaphambi kokuba uyisebenzise. Isithembiso siyahenda: ukufikelela kwiimali ezibotshelelwe kwii-invoyisi zakho ngeempompo nje ezimbalwa. Kodwa phantsi kojongano oluthambileyo kukho imveliso yezemali entsonkothileyo enokonakalisa ngokuzolileyo imida yakho. Ukuqonda ubuchwephesha lukhuselo lwakho lokuqala ngokuchasene nesi soyikiso sikhulayo kuzinzo lwamashishini amancinci.
Indlela i-In-App Factoring esebenza ngayo ngokwenene: Inkohliso yokulula Amaqonga e-in-app e-factoring adibanisa ngokuthe ngqo ne-accounting yakho okanye i-software-point-of-sale-software. Xa usenza i-invoyisi, i-app ikunika kwangoko loo ntlawulo, rhoqo ngepesenti enkulu yetotali. Ucofa "ukwamkela," kwaye imali ingena kwiakhawunti yakho, ibonakala isombulula ukuhamba kwemali yakho. Inkqubo yenzelwe isantya, hayi ukuphonononga. Ulwakhiwo lomrhumo lubonakaliswa njengepesenti elula, encinci. Oku kudala inkohliso yokufikeleleka okufihla iindleko ezisebenzayo zonyaka. Awuthathi mboleko yemveli; uthengisa izinto ozifunyenweyo kwixesha elizayo ngesaphulelo. Ixabiso lokwenyani libhalwe kakuhle. Loo "mrhumo omncinci" ubalwa kwisixa esiphezulu, kodwa iwotshi ekuloo mrhumo iqala ukuphawula oko wamkela imali. Ukuba umthengi wakho uthatha iintsuku ezingama-60 ukuhlawula endaweni ye-30, ixabiso laloo mali liphindwe kabini, lichaphazela kakhulu inzuzo yakho kwintengiso.
Ingxaki yoMrhumo oDityaniswayo: Xa iiNtlawulo zasemva kwexesha zidala iTyala eliSpirit Owona mba unobungozi kulo mgibe wenkxaso-mali wokucofa okukodwa yindlela imirhumo ehlanganiswe ngayo. Umngcipheko udluliselwe kumbolekisi ukuya kuwe, umnini-shishini. Ukuba umxhasi wakho uyalibazisa intlawulo, uyaqhubeka ukwenza umrhumo weveki okanye wenyanga kwisixa esiphezulu. Qwalasela le meko iqhelekileyo:
Usuku 1: I-invoyisi ye-invoyisi yomxhasi i-$ 10,000 kunye nemimiselo yeentsuku ze-30. Usuku 1: I-app inikezela nge-85% kwangaphambili (i-$ 8,500) yentlawulo ye-3% (i-$ 255). Usuku 45: Umxhasi wakho akakahlawuli. Iqonga lihlawula imali eyongezelelweyo ye-1.5% yeveki (i-$ 127.50 ngeveki) de kube i-invoyisi ixazulule. Isiphumo: Ukuba umxhasi uhlawula ngoSuku lwama-60, iibhaluni zakho zomrhumo zizonke ukuya kwi-$510. Uhlawule ngempumelelo i-6% yomrhumo weentsuku ezingama-60 kwangaphambili, i-APR enokugqithisa i-30%.
Olu lwakhiwo ludala inkuthazo egwenxa. Inkampani yenkxaso-mali ihlawulwa nangayiphi na indlela, ngelixa ishishini lakho lithatha wonke umngcipheko wentlawulo kade. Oku kunokujika ngokukhawuleza i-invoyisi enye elibazisekileyo ibe yimpompo ebalulekileyo yemali.
Ulivavanya njani Iindleko eziyiNyaniso kwaye ukhusele ishishini lakho Ngaphambi kokusebenzisa nayiphi na inketho yokuxhasa ngemali kwangoko, kufuneka ujonge ngaphaya kwereyithi yangaphambili. Abaseki be-Smart benza uhlalutyo lwexabiso lokwenyani ukunqanda lo mgibe. Oku kubandakanya ukubala iNqanaba loNyaka eliSebenzayo (i-EAR) okanye iNtlawulo yepesenti yoNyaka (APR) yobume bentlawulo. Buza le mibuzo ibalulekileyo:
Ithini ipesenti yomrhumo xa umxhasi wam uhlawula ngexesha? Ithini intlawulo eyongezelelweyo ngamaxesha athile ukuba intlawulo ifike emva kwexesha, kwaye ibalwa njani? Ingaba kukho ubuncinane bexesha lomrhumo okanye ezinye iintlawulo ezifihliweyo? Yeyiphi eyona ndleko yemeko embi kakhulu ukuba i-invoyisi ayihlawulwa kangangeentsuku ezingama-90 okanye ezili-120?
Thelekisa ezi ndleko kwimigca yesiqhelo yetyala, amakhadi okuthenga ngetyala eshishini, okanye iindlela zokuqalisa i-bootstrapping ezisetyenziswa ngoosomashishini abasakhasayo abasakha amashishini kwiimarike ze-niche. Rhoqo, oko kubonwa kulula kuza kwiprimiyamu engaphezulu kwenzuzo.
IiNdlela ezizezinye zoBuchule kwiNgcaciso yeMali ekhawulezileyo Uxinzelelo olukhawulezileyo lokungena kwemali kunokunyanzelisa izigqibo ezingxamisekileyo. Nangona kunjalo, ukwakha ishishini elizinzileyo kufuna ucwangciso lobuchule lwezemali. Endaweni yokungagqibeki kwinkxaso-mali yokucofa-kanye, qwalasela la manyathelo asisiseko:
Yomeleza iMiqathango Yakho Yokukhupha ii-invoyisi: Funa idiphozithi yeeprojekthi ezinkulu okanye uphumeze imimiselo ye-net-15 endaweni ye-net-30. Yakha iCash Reserve: Yabela ipesenti encinci yentlawulo nganye kwi-akhawunti yokonga ishishini ukwenzela izikhewu ezizayo. Hlakulela uBudlelwane beBhanki: Umgca wetyala lemveli, ngelixa ufuna amaphepha amaninzi, unikezela ngamaxabiso aphezulu kunye nemigaqo. Sebenzisa itekhnoloji ngoBulumko: Sebenzisa izixhobo eziphucula ukusebenza kakuhle kunye nentlawulo yomxumi, njenge-app ye-iPhone eyaziwayo yokuhlelwa kwevidiyo ehambisa ukuhanjiswa kwabathengi, hayi nje izixhobo ezibonelela ngamatyala.
Inkxaso-mali kufuneka ibe aisixhobo ngabom, hayi umkhwa reflexive. Kanye njengokuba iintshukumo zeshishini ezikrelekrele zidala ixabiso elihlala lihleli, isicwangciso sakho sezemali kufuneka sakhe uzinzo lwexesha elide, hayi nje ukubonelela ngolungiso lwexesha elifutshane.
Ukuqukumbela: Lawula ukuhamba kwakho kwemali Umgibe wenkxaso-mali ocofa nje kube kanye uxhakamfula ungxamiseko kunye nemingeni yokwenene yokuhamba kwemali amashishini amancinci ajongene nayo. Ngelixa ufikelelo olukhawulezileyo kwinkunzi luhendayo, imirhumo edityanisiweyo kunye nemingcipheko efihliweyo inokuphelisa ngokuzolileyo ingeniso oyisebenze nzima. Ngokuqonda iindleko zokwenyani, ukubuza imibuzo efanelekileyo, kunye nokuphonononga iindlela ezizezinye zobuchule, unokwenza izigqibo ezixhotyisiweyo zemali. Ungavumeli ukuba lula kujongele phantsi impilo yemali yenkampani yakho. Ukufumana ulwazi oluninzi malunga nokwakha ishishini elikrelekrele, elomelela ngakumbi, hlola izixhobo kunye nezicwangciso ezabiwe nguSeemless. Masakhe amashishini aqhuba kakuhle ngokucaca, hayi nje ukuphila ngamatyala.
