Imwe yemafungiro anonyanya kushandiswa mu hupfumi nzvimbo iri kuumbiridza. Muchikamu chino, tinoda kutsanangura ndedzipi nzira dzekufekitisa dziripo uye ndedzipi sarudzo dzakasarudzika kukambani yako, nenzira iri nyore uye yakapusa.
Pfungwa iyi haina kunyatso kubikwa nemakambani madiki uye epakati nepakati, zvisinei, ndeimwe yemifungo inonyanya kushandiswa nemakambani makuru pasi rose uye anoitwa mazuva ese mavari. Pasina mubvunzo sarudzo yekambani yako. Iyi nzira inoenderana chose neiyo nuclei yekuunganidza uye yekubhadhara zviitiko, kugadzirisa uye kufambisa kuyerera kwekubhadhara manejimendi kune chero bhizinesi.
Kana isu tikatarisa kuisa fosi pane zvekutora ekushandisa maturusi, tinogona kutaura kuti ndiyo imwe yenzira dziri nyore dzekukwidziridza kuunganidzwa, tisingafanirwe kuita mutero wekutengesa.
Ndiani anobatanidzwa muchiitiko chekunyora
Maitiro aya anosanganisira:
- Mutengi. Ndiye uyo anoshandisa kumisikidza kuitira kuti yekutengesa chikwereti igone kugadzirwa.
- Akakwereta. Unosungirwa kubhadhara kiredhiti kiredhiti
Chii chinonzi kugadzira zvinhu? Tsanangudzo uye mashandiro
Kubudikidza nenzira iyi, basa rekukweretesa chikwereti rinogona kuitiswa iro kambani rinokwanisa kuunganidza richitsigira iro remari institution.
Aya marudzi ezvikwereti anobatwa mumabasa akajairika ekambani senge yekutengesa kuyerera kwezvigadzirwa yenzvimbo kana masevhisi kune vechitatu mapato ayo kambani inogona kupa.
Kana zvasvika kukambani hombe ine zvikamu zvekutengesa, chinoitwa chikwereti mukuda kwekambani yakati inogona kuendeswa kune wechitatu bato pane imwe nguva.
Ndedzipi mabhenefiti anowanikwa aripo achitarisa masevhisi ayo
Njodzi yechikwereti inogona kufungidzirwa. Mune ino kesi, iyi inonzi kunyoresa pasina zviwanikwa uye inobatwa seinotevera: muchiitiko chekuti kiredhiti kapihwa kune wechitatu uye iri kambani inofanirwa kubhadhara munhu kana kambani iyo ichatumirwa asi inowana chero muripo, inzvimbo yemari iyo inotakura njodzi yekuvhiya.
Kubudikidza nekutengesa zvinhu, njodzi yekuchinjana inogona kufungidzirwa, kana iyo mhando yemari pane invoice ichibva kune imwe nyika. Muzviitiko zvakawanda, kunyanya nekushandurwa kwemari mumakore achangopfuura, izvi zvinokurudzirwa kwazvo.
Kugadzirisa zvine chekuita. Inoitika apo Manejimendi manejimendi inoitwa asi njodzi yekusabhadhara haifungidzirwe. Kana izvi zvikaitika, kana munhu ane chikwereti akasabhadhara nenguva, hapana anotora njodzi uye munhu anozoigashira anosara neyakaenzana, kusvikira agamuchira muripo.
Iwe unogona kugadzira iko kuunganidzwa kwemari kwezvose zvikwereti.
Vanokwereta vanopihwa mazano ebhizinesi
Ndeipi sarudzo yekushandisa yakanyanya kushandiswa
Icho chikonzero nei mamwe makambani achishandira kune iyi mhando yenzira ndeyekukwanisa kuve nesarudzo yeinosarudzika kana kunyange yakazara yakazara chikwereti chero bedzi rimwe bato risiri chikwereti uye vane nhoroondo ine hutano yechikwereti.
Zvose masangano anobatanidzwa mumabasa ezvemari anoita zvekutora zvinhu zuva nezuva, sezvo iri mhando yechokwadi inosunungura chinhu kubva mukufungidzira njodzi kana ikatadza.
Pane zvimwe zviviri zvingasarudzwa
- Kuzivisa kudzora. Pano munhu ane chikwereti chemari anoziviswa nezvekugoverwa kwechikwereti. Panguva iyo kambani inoziviswa, iwe uchafanirwa chete kubhadhara iyo kune wechipiri bato.
- Kugadzira chokwadi pasina ziviso. Iye munhu ane chikwereti chemari haaziviswe saka hapana chavanoziva nezve kupihwa, uye vachabhadhara vanhu vane chikwereti pakutanga. Mune ino kesi, ndiye munhu anogamuchira iyo mubhadharo, anofanirwa kuidzosera kuchinzvimbo kuti aenderere mberi nekutora kwayo.
Mari yemubhadharo
Zvino, isu takatotsanangura izvo zvinogona kuitwa, asi isu hatina kukuudza iwe nezve izvo zvavangave vaine mari nazvo. Maitiro anoitwa kuburikidza nekunyora, Ine mutengo wakakwira, nekuti ndiwo makambani anofanirwa kunyorera komisheni kune yega yega mashandiro anoitwa uye inzira yekuvhara mari kubva muzvikwereti. Saka kuti iwe ugone kuwana zano shoma remutengo, zvinowanzo kuve 3 kana 4% yezita rezita rechikwereti chakapihwa. Pamusoro peizvozvo, mamwe makomisheni anowanzo shandiswa kune yega yega mashandiro ayo anoreva kufambira mberi kwechikwereti uye anobhadhariswawo mabasa anoenderana. Pakati peshumiro dzakabatana iinishuwarenzi inovhara mitengo yekuchinjana kana mishumo yekutengesa iyo inotibvumidza isu kuziva kuti kambani yatiri kuzoita zviitiko izvi.
Kana zvasvika kumabhizinesi madiki kana epakati nepakati, kunyora kazhinji hakuzi zano rakanaka uye zvinhu zvinoramba. Ivo vanongozvigamuchira kana iro bhizinesi diki rinorikumbira rinotsigirwa nekambani yakakura kwazvo inogona kutakura mitengo. Uye zvakare, kubhadhara kunofanirwa kuve kwakagadziriswa munzira refu.
Zvinosvika riini chaizvo kugadzira nekambani diki, ndiyo inzvimbo yemari ine kodzero dzakananga kuchikwereti uye kwete kambani. Icho chinzvimbo chinobhadhara iyo inoshambadzira kambani uyezve iyo inotora kutonga kune ese maunganidzwa anofanirwa kuitwa. Kana zuva revatengi revatengi rasvika, iri zvakare mutariri wekuita kuti chikwereti chishande.
Zvakanakira uye zvakashata zvekubata
Ngatizvitarisei kubva patinozvitarisa, kugadziridza imwe yeakanakisa sarudzo kana zvasvika kumakambanisezvo ichigona kusunungura iyo yekubhadhara kambani kuitira kuti irege kugona kurarama yega.
Nekudaro, isu patinotaura nezve mabhenefiti ayo makambani anopa, isu tinofanirwa kutarisa zvishoma kupfuura chikwereti kufambira mberi sarudzo, kubvira masevhisi ane chekuita nekutora zvinhu vanoita basa rakakosha kwazvo.
Rimwe rebasa rakakosha ndere rutsigiro rwunopihwa nesangano rezvemari nekutora zvinhu nekuti rinoronga mutengi wevatengi uye rinoita zvekunze manejimendi mabasa sekuunganidza.
Factoring zvakare inokutendera iwe kuve neyese data iwe yaunoda nezve solvency yevatengi vauri kushanda navo kana kuti uri kutovatengesa nechikwereti. Iwe unofanirwa kunzwisisa kuti zvakanyanyisa kukosha kuunganidza zvese zvinotengeswa pane kutengesa yakawanda.
In the kugadzira zvinhu kunosanganisira ekunze mabasa ekuunganidza, kunyangwe kushanda kwakaringana kunoenderana nehukuru hwehutariri hunoitwa uye kutonhora kwekubhadhara kune vatengi.
Kana izvo zvaunoda kuve nechokwadi chekambani hutsotsi hwakaderera, kiyi ndeyekugadzirisa zvisina zviwanikwa, nekuti iwe urikupa njodzi dzese dzekushanda kusangano.
Muchidimbu
- Iwo mabhenefiti ayo isu sangano rinotipa isu akanaka kwazvo kumakambani, nekuti anokwanisa kunatsiridza zvakazara kugona kwemari kwekambani hombe, ichichipa nekukurumidza kutangisa uye nekubhadhara huwandu hwekutengesa kwayo, ichidzivirira huipi.
- Uye zvakare, inokwanisa kugadzirisa chikwereti chikero uye kubvisa maakaundi anogamuchirwa. Bvisa njodzi yematambudziko mukambani nekuda kwema invoice asina kutorwa: rangarira kuti chakakosha hachisi chikuru kutengesa asi kuunganidza zvese zvinotengeswa.
- Iyo inofambisa kudzora ma invoice uye inosiya iyo mutengi portfolio inogara yakachena.
- Inowedzera kukohwa kushanda ne90%.
- Iyo inokutendera iwe kuronga zvese zvine chekuita neechuma uye kuziva ako makasitoma 100%, pamwe nesolvency mumakambani avo.
- Nekudaro, kunyangwe iri imwe yesarudzo dzakanakisa, zvakare ine divi rayo rakaipa. Imwe yeakanyanya iwo matambudziko emutengo ainogadzira, nekuti nekutarisira zvese zvinowedzera mutengo uye matambudziko ekunze, ivo vanofanirwa kubhadharisa makomisheni akakwira kwazvo.
Muchiitiko chekuti iri njodzi huru kwazvo kubato, rinogona kuramba kupa chikwereti kumutengi kana rinogona kutovharira iyo kambani kune imwe kambani. Iwe unogona zvakare kumanikidza mutengi kune kupihwa kwemakrediti; Iyi poindi yekupedzisira inoitika zvakanyanya muzvibvumirano zvekutengesa.
Zvemagetsi invoicing uye factoring
Kana iwe uine sarudzo yekuburitsa invoice yemagetsi, kuongorora kunokubatsira zvakanyanya kubva:
- Iwe unowedzera mukana wekubhadhara nemari ne100%
- Iwe unofarira mukana wekuti makambani mazhinji anovimba newe
- Iwe unogona kutumira zvinyorwa zvemagetsi uye izvi zvinogona kuwedzera nguva yemari
- Iwo mafomati ane invoice yemagetsi atova nedata rese rinodikanwa kuita kuyananisa pakati pamainvoice uye anokupa sarudzo yekugadzirisa mafomati emabhangi.