Nzira yekuwana sei kushanda kune mamwe mashizha ekushanda
Pamusana pezvinetso zvezvematongerwo enyika munguva ichangopfuura, makambani mazhinji akatofanira kurarama nematambudziko emari. Nemhaka yeizvi, zvikwereti zvisina kuchengetedzwa zvakava chinhu chakakomba chinouya kubva sezvo mamwe masangano emari haafariri kuapa. Nokudaro, makambani mazhinji akasarudza kushandisa pfuma yavo sechikwata kune avo vanokweretesa mune izvo zvinonzi se-assets-based loan financing.
Nokudaro, inset-based-loan financing ndiyo nzira inoshandiswa nekambani yekuti mari inoshandiswa sekutora chikwereti kubva kune chikwereti.
Kazhinji yenguva iyi sarudzo inosvika nekambani apo inoda kuva nemabasa akawanda ekushandisira zvinangwa . Muzvikwereti zvose-based credit (ABL), chikwereti chekweretesi chinochengetedzwa nemari yeiye akakwereta iyo inotarisa kuti chikwereti chikuru chekambani chinogona kuwana sei.
Zvakanaka kucherechedza kuti makambani makuru uye makuru makuru anogona kukodzera chikwereti cheAABL. Izvi zvinosanganisira vatengesi, vatengesi, vaparidzi uye kunyange vatapi venhepfenyuro. Zvisinei, vazhinji veasset-based lenders vanoda kambani ine zviyero zvakagadzikana pepa rine zvinhu zvakasimba.
Ndiani Anoshandisa Mari Inoshandiswa?
Izvo zvikwereti zvinowanzokurudzirwa pose apo kambani inoda kushanda mari kuitira kuchengetedza mabasa ayo ose ezvakanaka anoshandiswa. Iko kambani, saka, inoshandisa kushandisa zvayo pachayo kuitira kuwana rubatsiro rwemari kubva kune vateresi. Muchiitiko ichi, mari yekambani inoshandiswa sekutengesa.
Ndeipi Inoshandiswa Kambani Inoshandiswa Sekubatana?
Vakawanda vanokweretesa vanoda kutora maakaiti anogamuchirwa sechinhu chikuru.
Zvisinei, kambani inogona kushandisa midziyo yayo, magetsi, zvivako zvekugadzirisa uye kushandiswa kwekugadzirisa semari.
Chii chinotarisa kuti mari yakawanda yeAAset yakagadzirwa nekambani inowana sei?
Haasi makambani ose anokwanisa kupa chikwereti chakafanana chechikwereti. Dzimwe nguva mari iyo kambani inoshanda inogona kunge isingakwanisi kupiwa nemunhu anokweretesa nekuda kwemimwe mitemo inotungamirira kubhadhara mari.
Kazhinji, kambani inobvumirwa kukwereta pakati pe75% -80% yehuwandu hwemari inowanikwa nekambani. Kune rumwe rutivi, apo kushandiswa kunoshandiswa sekutengesa, kambani inokodzera chikwereti chakaenzana ne50% yehuwandu hwekuunganidza.
Chii Chinotengeswa neAset Based Based Loan?
Mari yezvikwereti izvi inobva kune kukosha kwebasa rakashandiswa, chikwereti chemari yakapiwa pamwe chete nehuwandu hwehutengo hunobatanidzwa. Kazhinji mari yekukwereta inotengesa zvichienderana nehuwandu hwegore hwehuwandu hwepakati (APR) inosvika pakati pe7% ne17%.
Ndezvipi Zvinofanira Kuita Kushanda Kwekuita Kwebasa Rokubhadhara?
Vasati vabhadhara chikwereti vachibvumirana kupa mari yechikwereti kune imwe yekambani, vanofanira kuita tsvakurudzo pamusoro pemamiriro emari ekambani , rudzi rwekubatisa kushandiswa uyewo kuburikidza nemabhuku emari emakambani.
Ndezvipi Zvipo zveMari-Based Based Loan kune Kambani?
I-ABL inobatsira zvikuru kune kambani nenzira dzinotevera:
- Inogona kuwanikwa nokukurumidza - Kusiyana nezvimwe zvikwereti zvinowanzodiwa zvinoda mabhuku akawanda, ABL zviri nyore kuwana pasina matambudziko chero bedzi kambani inosangana nemari yekukweretesa.
- Kugadzikana kwezvemari - Izvozvi zvikwereti zvinogona kukanganisa kambani inofambisa munguva dzakaoma dzehupfumi uye nekukurumidza kuidzosera kune imwe nyika yakagadzikana yezvemari. Izvi zvinokonzerwa nekuti iyo inopiwa mukati memakore mashomanana kuitira kuti kuwedzerwa kwemari yekambani inoyerera.
- Zvinonzwisisika kuenzaniswa nemamwe marudzi ezvikwereti - Zvechokwadi, zviri nyore kuti uwane chikwereti cheABL ichienzaniswa nemimwe mitsara yechikwereti. Izvi zvinokonzerwa nechokwadi kuti zvishomanana zvirongwa zvinobatanidzwa. Izvo zvinoda kuongororwa ndezvemari yekambani uye kukosha kwechibvumirano chakashandiswa.
- Zvimwe zvinogadziriswa maererano nemitemo - Zvikwereti zveAsset-based zvakajeka zvikuru kana zvasvika pakushandiswa kwekambani. Izvo hazviuye nemaketani akabatanidzwa, kufanana nemamwe mafomu emari.
- Kusava nechikwereti - Asset-based mari yekubhadhara chikwereti ndiyo nzira yakanakisisa yekambani inoda kugara isina chikwereti uye kuchengetedza sarudzo dzekambani dzakasununguka dzakasununguka.