Omunye wemibono esetshenziswe kakhulu kufayela le- indawo yezomnotho iyakha. Kule ndatshana, sifuna ukukuchaza yiziphi izinhlobo zokufaka izinto ezikhona futhi yiziphi izinketho ezifanele kakhulu zenkampani yakho, ngendlela elula nelula.
Lo mqondo awuphekwa kakhulu yizinkampani ezincane nezisemaphakathi, noma kunjalo, ungomunye wemibono exhashazwa kakhulu yizinkampani ezinkulu kakhulu emhlabeni futhi ezenziwa nsuku zonke kuzo. Ngaphandle kokungabaza inketho yenkampani yakho. Le ndlela ihlobene ngokuphelele ne-nuclei yokuqoqa nomsebenzi wokukhokha, ukusheshisa nokusiza ukugeleza kokuphathwa kokukhokha kwanoma yiliphi ibhizinisi.
Uma sigxila ekufundiseni amathuluzi wokulawula ukuqoqwa, singasho ukuthi kungenye yezindlela ezilula kakhulu zokwandisa ukuqoqwa, ngaphandle kokwenza isaphulelo sokuhweba.
Ngubani obambe iqhaza enqubeni yokufaka izinto
Lezi zinqubo zifaka:
- Iklayenti. Nguye osebenzisa amafektri ukuze kutholakale isikweletu sokuhweba.
- Okweletayo. Uphoqelekile ukukhokha isikweletu sokuhweba
Kuyini ukufaka amaphuzu? Incazelo nokusebenza
Ngale ndlela, umsebenzi wokwabiwa kwemali mboleko ungenziwa ukuthi inkampani ingawuqoqa uthandele isikhungo sezezimali.
Lezi zinhlobo zamakhredithi ziphathwa emisebenzini yenkampani ejwayelekile njengokuhamba kwemikhiqizo Wendawo noma amasevisi kubantu besithathu inkampani engabanikeza.
Uma kukhulunywa ngenkampani enkulu enokuthengiswa kwezitolimende, okwenziwayo kuyisikweletu esivuna leyo nkampani engadluliselwa kumuntu wesithathu ngesikhathi esithile.
Yiziphi izinzuzo ezenziwa yi-factoring ngokususelwa kumasevisi ayo.
Ingozi yekhredithi ingacatshangwa. Kulokhu, lokhu ibizwa ngokuthi ukufaka amafektri ngaphandle kwezinsizakusebenza futhi isingathwa ngale ndlela elandelayo: uma kwenzeka ukuthi isikweletu sabelwa umuntu wesithathu futhi kuyinkampani okufanele ikhokhe umuntu noma inkampani ezokwabelwa yona kodwa ingene kunoma yikuphi ukukhokha, yinhlangano yezezimali ebeka ubungozi bokuhlinzwa.
Ngokufaka i-factoring, ingozi yokushintshana ingacatshangwa, uma uhlobo lwemali ku-invoyisi luvela kwelinye izwe. Ezimweni eziningi, ikakhulukazi ngokushintshwa kwemali eminyakeni yamuva, lokhu kunconywa kakhulu.
Ukwenza amaqiniso ngokufuna usizo. Kuvela nini Ukuphathwa kweqoqo kuyenziwa kepha ubungozi bokungakhokhelwa abucatshangwa. Uma lokhu kwenzeka, uma umuntu okweletayo engakhokhi ngesikhathi, akekho noyedwa ozibeka engcupheni futhi umuntu ozoyithola usala negebe lezimali, aze athole inkokhelo.
Ungenza ukuqoqwa kwemali kwayo yonke imali.
Abakweletwayo banikezwa izeluleko ngebhizinisi
Yini inketho yokuhlola esetshenziswe kakhulu
Isizathu esenza izinkampani eziningi zisebenzise lolu hlobo lwendlela ukuthi zikwazi ukuthola ithuba lokuthola imalimboleko engaphelele noma ephelele uma nje elinye iqembu lingeyona icala futhi linomlando ophilile wesikweletu.
Konke amabhizinisi abandakanyeka emisebenzini yezezimali enza iqiniso lokuthola usizo nsuku zonke, ngoba luhlobo lwamaqiniso olukhulula ibhizinisi ekucabangeni ubungozi uma kwenzeka luzenzakalelayo.
Kunezinye izinketho ezimbili
- Ukufakwa kwesaziso. Lapha umuntu okweleta imali waziswa ngokunikezwa kwesikweletu. Ngesikhathi inkampani yaziswa, kuzofanele ukhokhele umuntu wesibili kuphela.
- Ukwenza amaqiniso ngaphandle kwesaziso. Umuntu okweleta imali akaziswanga ngakho-ke ngeke bazi lutho ngalesi sabelo, futhi uzokhokhela abantu ababekweleta ekuqaleni. Kulokhu, ngumuntu othola inkokhelo, okufanele ayiqondise kabusha enkampanini ukuze aqhubeke nokuqoqwa kwayo.
Izindleko zokuqolwa
Manje, sesivele sichazile okungenziwa, kepha asikakutsheli ngezindleko abangaba nazo. Inqubo eyenziwa ngokwenziwa kwamaqinisoInezindleko eziphezulu, ngoba yizinkampani okufanele zifake ikhomishini kulowo nalowo msebenzi owenziwayo futhi kuyindlela yokumboza imali engenayo ezikweletini. Ukuze ukwazi ukuthola umbono omncane wezindleko, imvamisa yi-3 noma i-4% yenani elilinganiselwe lekhredithi elinikiwe. Ngaphezu kwalokho, amakhomishini athile ajwayele ukusetshenziselwa imisebenzi ngayinye ebhekisa ekuthuthukisweni kwemali mboleko futhi akhokhiselwa izinsizakalo ezihambisanayo. Phakathi kwezinsizakalo ezihambisanayo kukhona umshwalense ohlanganisa amanani okushintshisana noma imibiko yezentengiselwano esivumela ukuthi sazi ukuthi inkampani esizokwenza ngayo imisebenzi leyo isebenza kanjani.
Uma kukhulunywa ngamabhizinisi amancane noma aphakathi nendawo, ukufaka amaphuzu ngokuvamile akuwona umqondo omuhle kakhulu futhi izinhlangano ziyakwenqaba. Bayayamukela kuphela lapho ibhizinisi elincane eliyifunayo lisekelwa yinkampani enkulu kakhulu ekwazi ukubhekana nezindleko. Ngaphezu kwalokho, izinkokhelo kufanele zenziwe zibe semthethweni ngendlela ende.
Kufika nini okwangempela Ukufaka inkampani encane, yisikhungo sezezimali esinamalungelo aqondile esikweletu hhayi inkampani. Yibhizinisi elikhokhela inkampani edlulisayo futhi yilona eliphethe wonke amaqoqo okufanele enziwe. Lapho usuku lokuqoqwa kwekhasimende lufika, luphethe nokwenza isikweletu sisebenze.
Izinzuzo kanye nokubi kokuqina
Ake siyibheke lapho siyibuka khona, ukufaka amaphuzu kungenye yezindlela ezingcono kakhulu uma kuziwa ezinkampanininjengoba ingayikhulula inkampani ekhokhayo uma kungenzeka ingakwazi ukubhekana yodwa.
Kodwa-ke, lapho sikhuluma ngezinzuzo ezinikezwa yilezi zinkampani, kufanele sibheke kancane ngaphesheya kwenketho yesikweletu, ngoba izinsizakalo ezihambisana nokwenziwa kwamafekthri badlala indima ebaluleke kakhulu.
Olunye lwezinsizakalo ezibaluleke kakhulu ukusekelwa okunikezwa yisikhungo sezezimali ngokufaka izinto ngoba kubeka isikweletu sekhasimende futhi kwenza imisebenzi yokuphatha yangaphandle efana nokuqoqwa.
Ukubekwa kwamaqiniso nakho kukuvumela ukuthi ube nayo yonke idatha oyidingayo mayelana nokuxazululwa kwamakhasimende ozosebenza naye noma osuvele ubathengisa ngesikweletu. Kumele uqonde ukuthi kubaluleke kakhulu ukuqoqa konke okuthengiswayo kunokuthengisa inani elikhulu.
Ku ukufaka izinto kuhlanganisa imisebenzi yokuqoqa yangaphandle, yize ukusebenza okufanele kuncike ebuningini bokuphathwa okwenziwayo kanye nokukhokha okushelelayo amakhasimende anakho.
Uma okufunayo ukuqinisekisa inkampani ubugebengu obuphansi, ukhiye ukufaka amaphuzu ngaphandle kwezinsizakusebenza, ngoba unika bonke ubungozi bokusebenza kunhlangano.
Ngamafuphi
- Izinzuzo ibhizinisi elisinikeza zona zilunge kakhulu ezinkampanini, ngoba iyakwazi ukuthuthukisa ngokugcwele amandla okuxhasa inkampani enkulu, ilinikeze imali ngokushesha futhi ixhase inani lokuthengisa kwayo, igweme ubugebengu.
- Ngaphezu kwalokho, iyakwazi ukwenza ngcono isilinganiso sesikweletu futhi isuse ama-akhawunti atholakalayo. Qeda ubungozi bezinkinga enkampanini ngenxa yama-invoice angaqoqiwe: khumbula ukuthi into ebalulekile akuyona ukuthengisa okukhulu kepha ukuqoqa konke okuthengiswayo.
- Kusiza ukuphathwa kwama-invoice futhi kushiya iphothifoliyo yamakhasimende ihlanzekile njalo.
- Kukhulisa ukusebenza kahle kweqoqo ngama-90%.
- Ikuvumela ukuthi uhlele konke okuphathelene nomgcinimafa futhi wazi amaklayenti akho i-100%, kanye nokuxazulula izinkinga ezinkampanini zabo.
- Kodwa-ke, yize ingenye yezinketho ezinhle kakhulu, ibuye ibe nohlangothi lwayo olubi. Enye yazo okuyizinkinga zezindleko ezikhiqizayo, ngoba ngokunakekela zonke izindleko ezingeziwe nezinkinga zangaphandle, kufanele bakhokhise amakhomishini aphezulu kakhulu.
Esimweni lapho kuyingozi enkulu kakhulu ebhizinisini, ingahle yenqabe ukunikeza isikweletu seklayenti noma ingavimba amakhredithi enkampanini ethile. Ungabeka futhi ikhasimende ngokunikezwa kwamakhredithi; Leli phuzu lokugcina livela kakhulu kwizivumelwano zokuhweba.
Ama-invoice kagesi kanye nama-factoring
Uma unenketho yokukhipha i-invoyisi ye-elekthronikhi, ukufaka ama-factor kukusiza nakakhulu kusukela:
- Ukhulisa amathuba okuxhaswa nge-100%
- Uthanda ukuthi kungenzeka ukuthi izinkampani eziningi zikwethembe
- Ungathumela amadokhumenti nge-elekthronikhi futhi lokhu kungakhuphula isikhathi sezimali
- Amafomethi anama-invoice kagesi asevele anayo yonke imininingwane edingekayo yokwenza ukubuyisana phakathi kwama-invoyisi futhi akunikeze ithuba lokujwayela amafomethi we-interbank.