Kuyini i-Factoring?

Ngokuqiniseka konke ukuthi ezikhathini ezingaphezu kwesisodwa uzwile ngalo mkhiqizo wezezimali okungukuthi i-factoring, kepha awazi ukuthi iqukethe ini, ingasaphathwa eyokuthi usebenzise ini. Ngiyazi Imayelana ne- umkhiqizo owenzelwe noma yimuphi usomabhizinisi noma uchwepheshe futhi, ikakhulukazi, yezinkampani ezincane nezisemaphakathi ukuthi. Ngalo mkhiqizo banganciphisa umthwalo womsebenzi wokuphatha, bakhiphe ukubalwa kwemali okwenziwe ngokuthengisa kanye nokuqoqwa kwabo, kanye nokukhokha kusengaphambili ngosuku olufanele lokukhokhwa kwama-invoyisi.

Imiphumela yayo izobonwa ngokushesha, ngoba izothuthukisa inzuzo, amandla esikweletu kanye nokuxazululwa kwemali yenkampani yakho. Phakathi kwezinye izinzuzo zokuthola lo mkhiqizo ulwazi olwenziwa ngezikhathi ezithile, olujwayelekile nolubuyekeziwe lwabakweletwayo, ukwehliswa kwemithwalo yokuphatha noma yenza lula ukubalwa kwe-akhawunti yekhasimende. Ayikho iphrofayili echaziwe yezinkampani zomsebenzisi zalo mkhiqizo wezezimali, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha.

Lo mkhiqizo, ongaziwa kahle ngakolunye uhlangothi, ulungele lezo zinkampani ezifuna ukumboza ubungozi bokungakhokhi imali kwamakhasimende azo, kanye nokukwazi ukulindela, nganoma yisiphi isikhathi, ukuthengiswa kwazo phambili ngezinhlangano ezimaketha lokhu umkhiqizo. Ngokunjalo, ukuphathwa kwayo kwe-elekthronikhi kukhululekile futhi kulula, ngoba onikelayo uthumela futhi asayine i-invoyisi neminye imibhalo esikhungweni sezezimali. Futhi uma okweletayo eyamukele i-invoyisi, isilungele ukuthi imali ithuthuke.

Izici

Kuyinto a ezezimali kanye nefomula yokuphatha, ngokususelwa ekunikezelweni kwama-invoyisi: inkampani inikezela isikweletu sokuhweba samakhasimende ayo enkampanini, ephethe ukuphatha ukuqoqwa kwayo ngokushintshana ngokucatshangelwa okubandakanya ikhomishini yezinsizakalo zokuphatha kanye nenzalo yezezimali (kusengaphambili usuku olufanele lokukhokha ama-invoyisi amakhasimende akho).

Kufanele kukhunjulwe ukuthi amabhizinisi amathathu ahlukaniswe ngokufanele abamba iqhaza kulo mkhiqizo wezezimali, okulandelayo:

Isici: Inkampani yenkampani noma ibhizinisi lezezimali elihlinzeka ngezinsizakalo zalo mkhiqizo.

Ikhasimende: ungumnikazi wamakhredithi wezohwebo (ama-invoyisi) futhi owenza isivumelwano se-Factoring.

Abakweletayo: abathengi bokuthengiswayo noma kwamasevisi wekhasimende, ekugcineni umthengisi.

ISpanish Factoring Association igcizelela ukuthi “ayikho iphrofayili echaziwe yezinkampani ezisebenzisa lo mkhiqizo, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha. Ngamanye amagama, zonke izinkampani zingaba abasebenzisi beFinoringing, bathengise emakethe yasekhaya noma bathumele ngaphandle ”. Ngokwezinga lapho zonke lezi zinsizakalo, egameni lenkampani ye-Factoring, bakhiqize ukonga kwangaphakathi kwamakhasimende abo ngokubakhulula emthwalweni obiza kakhulu, oyinkimbinkimbi futhi odala ukukhathazeka wazo zonke izinhlobo ”.

Izinsizakalo ze-Factoring

Okuhehayo okuyinhloko kwalolu hlelo yizinsizakalo ezihambisanayo, zombili ezokuphatha nezezezimali, ezihlobene nezinqubo zokuqoqwa kwenkampani yakho, futhi ngokulandelayo okulandelayo:

Ukuhlukaniswa kwamakhasimende: Le sevisi ifaka phakathi kokubili ukutadisha nokuhlaziywa kwamakhasimende, kanye nesinqumo semikhawulo yesikweletu okufanele sinikezwe ngamunye wabo.

Phatha ama-akhawunti atholakalayo: Ukuphathwa okuphelele nokuqapha ama-invoyisi abelwe inkampani ye-Factoring, ngezikhathi ezithile ebazisa ngezehlakalo zokuqoqwa kwe-invoyisi ngayinye kanye nesimo sama-akhawunti atholwa komunye nomunye wabakweletwayo.

Ukuphathwa kokuqoqwa nokungakhokhelwa: Imayelana nabaphathi bokuqala abadingekayo ukuze bazi izimbangela zokungathobeli inkokhelo yesisombululo sayo esingaba khona.

Izimali: insizakalo eyengeziwe, kuphela esimweni lapho umnikazi eyicelile, nokuthi ngenxa yokuguquguquka kwayo, kuvumela umsebenzisi ukuthi alahle inani lama-invoyisi abelwe kusengaphambili, ngesikhathi kanye nenani elidingwa ngumgcinimafa wabo.

Ukuhlanganiswa kwengozi yokuhluleka ukukhokha izikweletu kwabakweletwayo: ukumbozwa kuze kufike ku-100% wenani lama-invoyisi abelwe inkampani ye-Factoring elinde ukuqoqwa, kuze kufike kumkhawulo onikezwe okweletayo ngamunye. Futhi kuyinsizakalo eyengeziwe, ngesicelo sekhasimende.

Izinzuzo zomkhiqizo

Le ndlela yokuphatha ezezimali inikezela ngochungechunge lwezinzuzo kulabo abayiqashile, njengalezo ezibekwe ngezansi. Hhayi ngombono wokubalwa kwezimali kuphela, kepha futhi nokuphatha, futhi ezimweni eziningi ekuphathweni kwenkampani. Futhi kuzokuthakazelisa kakhulu ukuthi uhlangane nabo uma kwenzeka ngandlela thile uphoqeleka ukuba ubaqashe.

• Nciphisa umthwalo wokuphatha futhi yenza lula izinqubo zokusebenza.
• Nciphisa umsebenzi wezokuphatha, okufaka isandla kakhulu ekwehlisweni kwezindleko zokuphatha, zabasebenzi nezokuxhumana.
• Lula accounting akhawunti yekhasimende, ukwandisa ukusebenza kahle kokuphathwa kweqoqo.
• Inikeza imininingwane ngezikhathi ezithile, ezijwayelekile nezibuyekezwa zabakweletayo.
• Iguqula imisebenzi yokuthengisa ngesikweletu ibe ukuthengiswa kwemali.
• Gwema ingozi yokwehluleka ngenxa yezikweletu ezimbi.
• Inikeza ukwakheka kwezezimali kwenkampani nge ukuqina okukhulu.
• Ivumela ukuhlelwa komgcinimafa lokho nokwandisa ukuhamba kwemali.
• Nweba amandla wezezimali futhi kuthuthukisa nokulinganisa izikweletu.
• Ngokombono wokuhweba, ithuthukisa isikhundla senkampani ngokumelene nomncintiswano namakhasimende, ukuvumela ukuthi wandise imakethe yakho.

Izindlela zalo mkhiqizo

Kunezinhlobo ezahlukahlukene ze-Factoring, kuya ngezinsizakalo ozidingayo, noma okweletayo okukhulunywa ngaye. Phakathi kwazo kukhona okulandelayo:

Ukwenza izinto ezingezona ezokuphepha, le ndlela inikeza ngezimali, kucatshangelwa ukuthi inkampani efakazela ubungozi bokuhluleka ukukhokhela izikweletu zabakweletwayo. Ngokusobala, amanani akule modi aphezulu kakhulu.

Ukubuyiselwa kwamarekhodi, lapho umthengisi ethwala ubungozi bokungakwazi ukukhokha izikweledu, ngoba inkampani yakwaFactoring ayinaso isibopho sokungakhokhi okweletwayo. Le ndlela yokuziphatha iyahlukaniswa ngoba akusho ukuthi isekela imali.

Thumela izinto kwamanye amazwe, uma kukhulunywa ngokusebenza okwenziwa ngabakweletayo abahlala phesheya. Kuzuzisa ikakhulukazi izinkampani ezithunyelwa kwamanye amazwe kanye nama-SME angenazo izingqalasizinda ezinkulu, ngoba kufaka izinsizakalo zokukhishwa. Nge-Factoring, ukuthekelisa cishe kucishe kuthengiswe kuzwelonke, ngoba ukuphela kwento okufanele yenziwe ukuthumela izimpahla, futhi inkampani ehambisa amaphuzu inakekela okusele.

Kulolu hlobo lomsebenzi wezomnotho, kusengaphambili akwenziwa ngokujwayelekile lapho izimpahla ziyimikhiqizo ekonakalayo.

Inkontileka yale misebenzi

Inqubo yokwabiwa neyenkontileka ilula kakhulu futhi ayinazinkinga, kulandela inqubo efanele ngabantu noma ama-SME anquma ukwenza isivumelwano ngalo mkhiqizo wezezimali. Isinyathelo sokuqala thinta isikhungo sezezimali esithengisayo noma inkampani ye-Factoring, ukuchaza imigomo efanelekile yokusebenza kwezidingo zeklayenti ngalinye kanye nezindleko ezifanayo.

Ngalokhu, ngaphezu kwemininingwane yenkampani, umuntu onentshisekelo kufanele anikeze labo abahlobene nomsebenzi wabo nalawo ahambelana namakhasimende ofisa ukuwafaka esivumelwaneni. Ngakho-ke, kufanele ikhombise imininingwane elandelayo: inani lokuthengisa okulindelwe, inani lama-invoyisi ngenyanga, indlela yokukhokha (ibhili, inothi lesethembiso, ukudluliswa, njll.) Nesikhathi esimaphakathi sokukhokha. Zizosebenza njengesisekelo sokuhlola izindleko zokusebenza kwenkampani, futhi ngale ndlela, zikwazi ukunikela ngemibandela kwiklayenti.

Ngasikhathi sinye, lolu hlobo lwenkampani ekhethekile ucwaninga ukuxazulula kwesikweletu ukuhlola kamuva iphothifoliyo yamaphepha okumele kuxoxiswane ngawo. Ngesivumelwano kunoshintsho kubunikazi bamakhredithi, yingakho ezinye izidingo ezidingekayo zisungulwa ngaphambi kokukwazi ukwenza lolu hlobo lwenkontileka:

• Ukuthi kune-invoyisi noma idokhumenti okufanele uyiqoqele ukuthengiswa.
• Ukuthi ama-invoice avela ekuthengisweni okusemthethweni.
• Lokho kusho ukuthi ukuthengisa kwenziwe ngesikweletu.

Ngemuva kokusayina inkontileka efanele, incwadi kumele ithunyelwe kwabakweletayo, ubazisa ukuthi usayine inkontileka nalolu hlobo lomkhiqizo. Ngakho-ke, kusukela ngalolo suku, ukukhokhwa kwama-invoyisi kufanele kwenziwe ngqo kuleyo nkampani.

Izindleko zamaqiniso

Izinsizakalo ezinikezwa yilo mkhiqizo wezezimali zimelela izindleko noma intengo okufanele yeneliswe abasebenzisi bezinsizakalo ezishiwoyo. Izindleko zakhiwa ngezinto ezimbili ezinqumayo. Ngakolunye uhlangothi, i- imali yokubhalisa, yezinsizakalo zokuphatha ezenziwa yinkampani ye-Factoring, eyehluka kuye ngesikhathi sokuqoqwa kwe-invoyisi.

Ngakolunye, isilinganiso senzalo, ezosetshenziswa lapho kusizakala indlela yokuziphatha efaka ukuqhubekeka kwezimali. Kodwa-ke, izindleko ziyahlukahluka kuye ngesimo semakethe (ngokuya nge-3-izinyanga ze-Euribor kanye nokusabalala; isilinganiso senzalo sokugcina sibuyekezwa njalo ngenyanga) kanye nobungozi obuthathwa yinkampani emaketha lo mkhiqizo wezezimali.

Izinzuzo zebhizinisi

Phakathi kwezinzuzo zokuhweba ezibandakanya ukwenza kwalokhu kusebenza kwezezimali, ngombono weSpanish Factoring Association, kunezici ezilandelayo ezingasiza usomabhizinisi oqeqeshiwe noma omncane nophakathi nendawo:

• Kuthuthukisa ngokuphawulekayo ukuphathwa kokuthengisa futhi kusiza ezentengiselwano ezisebenza kangcono kakhulu.
• Ivumela inethiwekhi yezentengiso gxila emsebenzini wakho ngaphandle kokwenza izinqubo zokuqoqa.
• Ivumela okungcono ukuhlolwa kwamakhasimende nokulandelelwa kwazo.
• Nciphisa izindleko nesikhathi sokulungiselela imibiko yezentengiselwano.
• Inikela ngokulungileko nangempumelelo ukwenza izinqumo.
• Thuthukisa isikhundla senkampani phambi komncintiswano namakhasimende.
• Inikela kakhulu ekwethulweni nase ukuvula izimakethe ezintsha.
• Futhi, ekugcineni, kuyasebenza uku hlanganisa futhi wandise amakhasimende.