Zvinhu zvinokosha zvinokonzera bhizimisi kuti awane mari
Mabhizinesi mazhinji anowanzosangana nemamwe matambudziko emari munguva yekuvandudza kwavo nguva dzakawanda. Apo nguva dzakadaro dzinouya kugogodza, vashandi vezvemabhizimisi vakawanda vanofunga nezvekuswedera kune vanokweretesa uye dzimwe nzira dzekubhadhara mari . Kune vanoverengeka vanokweretesa vanobva kumabhangi, masangano emari ekubhadhara mari pamwe chete nevamwe vanokweretesa zvakadai senzvimbo dzakawanda dzinowanikwa kune imwe nzvimbo yebhizimisi.
Zvisinei, haasi mabhizinesi ose anokwanisa kuwana zvikwereti zvebhizimisi . Izvi ndezvikonzero zvezviitiko zvakawanda izvo vazhinji vanokweretesa vanoisa mukutarisa. Zvinosuruvarisa, kwete mabhizinesi mazhinji anozadzisa zvose zvinodiwa izvo zvikwereti zvemari zvinoda kuitira kuti zvipe zvikwereti zvebhizimisi kana mitsara yechikwereti. Panyaya imwe chete, vamwe vashandi vebhizimisi havazivi zvinhu zvinoshandiswa kugadzirisa bhizinesi creditworthiness. Hezvino kutarisa kune zvikwereti zvinotarisirwa zvisati zvamborera chero rudzi rwekwereti kune bhizinesi rebhizimisi .
Chikwereti Chekubhadhara Chikwereti
Ichi ndicho chikonzero chakakosha kune chero chikwereti chipi nechipi chinoshandisa sechinhu chinokosha zvisati zvawedzera kubhadhara kune rimwe bhizinesi . Kuti uone kukosha kwekwereti yako, vateresi vanotsvaka chikwata chekwereti kubva kune zvikwereti zvekwereti. Dhipoti yekwereti ine mharidzo yakadai sekwereti yako yekwereti, mibvunzo yechikwereti iyo bhizimisi rako rinoita uye pakupedzisira nhoroondo yako yekubhadhara.
Pamushumo wechikwereti, zvimwe zvezvinonyanya kukosha zvinokweretwa nevanoita chikwereti ndezvipi nguva yakawanda iwe wakasara mubhadharo pamwe chete nemamwe mabhuku ekubhadhara.
Paunenge uine chirwere chakashata chechikwereti chekwereti chekwereti hapana mukwereti achakupa chero rudzi rwekwereti.
Izvi zvinoreva kuti zvakanaka kune chero bhizimusi kuedza nekubhadhara zvikwereti zvavo nenguva. Nekakanaka zvikuru yemari yekubhadhara chikwereti, kuvimba kwevatengi kuchasimbiswa nekutenda kuti zvirokwazvo iwe uchadzorera mari yavo nenguva asi usiri kukanganisa.
Nokudaro, kubva nhasi, iva nechokwadi chokuti iwe unotsiva zvikwereti zvako nguva nenguva kuti uwedzere mikana yako yekuwana zvikwereti zvebhizimisi kana mitsara yechikwereti kubva kune vakweretesi vakasiyana.
Your Business Credit Score
Ichi ndicho chimwe chinhu chikuru icho vateresi vanoshandisa kusarudza chikwereti chebhizimisi rako. Izvo zviri nani bhizinesi rechikwereti chikoro chebhizimisi rako, iyo inowedzera mikana yekupiwa chikwereti kubva kune imwe nzvimbo yezvemari. Kana iwe uri kunetseka kuti vatengesi vemari vanoziva sei bhizimisi rako kana dzimwe nguva purogiramu yako ye FICO? Heinoi sei.
Bhizimisi renyu rebhizimisi rekwereti ibhuku rine mashoko akasiyana-siyana anoshandiswa nekwereti yemari yechikwereti pazvinosvika pakuverengwa kwebhizimusi rako kana mapepa evanhu. Zvinhu zvinoonekwa pakuverenga chikwereti chekwereti zvinosanganisira chikwereti chekushandisa chikwereti, kakawanda sei iwe unotanga matsva ekwereti yemarikiti, mibvunzo yechikwereti uye kuti iwe unokurumidza sei kujekesa mari yako yakanzi iwe nevakakweretesa kare.
Kana bhizinesi rako rechikwereti chikamu neDun & Bradstreet chiri pakati pe75 + uye iwe wakagoverwa kuva nechikwata chakakwirira chinokupa mukana wakanaka wekuti zvikwereti zvako zvigamuchirwe nyore nyore. Izvi zvinoreva kuti semuridzi webhizimisi, unofanira kushanda zvakaoma uye kuwedzera chikoro chako kana iwe uchida chaizvo kuti zvikwereti zvako zvipiwe nevakweretesi mukati kwenguva pfupi.
Bhizimisi Rako Rokusimba Kwemari
Nzvimbo dzakawanda dzezvemari dzakadai semabhangi nedzimwe nzvimbo dzezvemari dzinowanzodikanwa kune mamwe masangano ezvemari semabhizimisi mapepanhau emakore apera, gore rebhadharo uye nhepfenyuro yemari yemazuva emwedzi yapfuura. Zvimwe zvirevo zvemari zvaunofanirwa kuve nazvo zvinosanganisira mutemo wemari uye mari yekubuda kwemari.
Aya mazwi anopa ruzivo pamusoro penzvimbo yemari yekambani yako kana bhizinesi. Kana bhizinesi rako rakanyanyisa, saka vazhinji vanokweretesa vachakwanisa kukupa chikwereti sezvo vachava nechivimbo chokuti zvechokwadi bhizinesi renyu rine kodzero yekuda kubhadhara zvikwereti. Zvisinei, kana bhizinesi rako rine zvikwereti zvakawanda, hapana angada kuisa mari yavo pangozi.
Saka, zvakanaka kune vashandi vebhizimisi kuti vaone kuti bhizinesi ravari kuita rinonyatsogadzikana mune zvemari.
Pane nzira dzakawanda dzinogona kuderedza mari kubuda mune bhizinesi kusanganisira asi kwete kukwana kuderedza nhamba yevashandi, kunonoka kubhadhara kune vanokweretesa, kukwereta kweimba, kutenga zvishandiso zvakashandiswa. Zvose izvi zvinoderedza mari uye zvigaro zvisingakoshi mari yebhizimisi.
Available Collateral
Paunenge uchikumbira zvikwereti kubva kumasangano akasiyana-siyana, nguva zhinji iwe unoda kuva nechibvumirano chakavimbisa sehutano. Iyi ibasa rakakweretwa nevashambadzi kuti vadzorere mari yavo chete kana iwe usina kukweretwa mubhadharo chechikwereti. Zvizhinji zvezvinhu zvinosanganisira zvivako zvemuzinda, masvingo nemichina.
Izvi zvinoreva kuti bhizimusi chero ripi neripi rine zvinhu zvinokosha rinogona kuita kuti zvikwereti zvavo zvibvumirwe munguva pfupi. Zvisinei, yeuka kuti pane dzimwe nguva, bhizinesi rinogona kuenda kune zvikwereti zvisingaverengeki asi izvi zvinoda bhizinesi rakanyatsogadzikana nekodha yekwereti uye nhoroondo yakanaka yekubhadhara.
Kubata zvimwe zvinhu zvinogara nguva dzose, bhizimusi chero ripi neripi rinokosha rekubatana richapiwa mari yakawanda mumari yechikwereti ichienzaniswa nebhizimusi iro rinokosha rekuchengetedza zvinhu rakanyanya kuderera. Kana iwe uine dhamari iyo kukosha kwacho kwakaderera, zvino zvakanaka kuisa mari yechikwereti chiduku chinoenderana nekukosha kwechibvumirano.
Chikwereti chako kuRatio Ratio
Paunenge uchiongorora bhizinesi rechikwereti kune bhizinesi rako, vazhinji vanokweretesa vanofungisisa chikwereti chekuwana mari yebhizimisi rako. Chero ani zvake webhizimisi anogona kuverenga chiyero ichi nekutora chikwereti chemari yavo yepamwedzi uye kugovana navo nemari yakawanda yemwedzi inogadzirwa nebhizimisi. Ichi chiyero hachifaniri kudarika 36. Mathematically, pasi iri chiyero chiri nani.
Izvi zvinoreva kuti bhizimusi chero ripi zvaro rine chikwereti chekuwana mari yepamusoro rakakwirira zvikuru rine ngozi yakawanda yekurasikirwa mukubhadhara. Iyi ndiyo mutsara wakatsvuka kune vanokweretesa kuti vasabhadhara mari kune bhizinesi rakadaro. Nokudaro, zvakakosha zvikuru kuti vhizimisi vebhizimisi vabhadhara zvikwereti zvavo kuitira kuti vaderedze chiyero ichi kusvika pane zvishoma zvingaita.
Kana iwe uchida vateresi kukupa chikwereti kana mamwe maitiro echikwereti nguva nenguva, unoda kuita mari yako mukuvaka bhizinesi chekwereti. Ita zvose zvekubhadhara chikwereti nenguva uye uvandudze bhizinesi rako 'chikwereti chekwereti pamwe uye uve negore rekubhadhara chikwereti rine mukurumbira wakanaka. Uyezve, zvinokurudzirwa kubvisa zvikwereti zvako uye kushanda pamutengo wako wemari kuitira kuti uve neshoko rakasimba remari.