Kushanda, Capital Working, uye Working Capital Loans
Kushanda Imari yakawanda mari yakakweretwa kubva kubhangi kana kune imwe chikwereti uye inoshandiswa nebhizimisi idzva mari yekuchengeta mabasa achienda uye kubhadhara mabhizimisi emabhizimisi. Net working capital ndiyo musiyano pakati pezvinhu zvose zviripo izvo zvisingabhadharwi zvikwereti zvino.
Ikozvino mari ndiyo iyo matombo aunokwanisa kuisa cash nokukurumidza, sekukwereta kunowanikwa. Mazuva ano zvikwereti ndeyezvikwereti zvaunofanirwa kuripa iye zvino kana munguva pfupi.
Iwe unogona kuona kuti izvo zvatiri kunyatsotaura nezvekushanda mari ndeyemari.
Kukosha kweKushanda Nheyo
Mabhizimisi anoshandisa zuva nezuva zuva rekushanda kwemari. Iwe unogona kutaura kuti kushanda mari ndiyo upenyu-ropa rebhizimisi. Hapana ropa uye bhizinesi rinorega kuenda. Izvozvo zvishoma zvinoshamisa asi ini ndinoda kusimbisa kukosha kwayo. . Kune mabhizimisi matsva akawanda, kuva nemari yakakwana yekushanda kunoreva kusiyana pakati pekubudirira nekukundikana kwebhizimisi.
Kuva nebasa rakakwana rekushandira bhizimisi rako kushanda zuva nezuva kunonyanya kukosha panguva yekutanga chikamu. Panguva ino, unogona kunge usina mari yakashata yekushanda, nokuti mari iri kubuda nokukurumidza kupfuura iyo inopinda. Uye iwe unogona kusarudza kuti unoda chikwereti kuti uvhare mari yako paunenge uchishanda pakusvika kune unhu hwakanaka hwekushanda - iyo ndiyo , vane mari mubhangi.
Basa rinonzi Capital Capital rakakosha sei?
Kushanda mari pane bhizinesi rezhizha rinosanganisira zvose zviripo zvino : mari, mabhizimusi anogamuchirwa , inshuwarheni yakabhadharwa, uye kuverenga .
Aya mazhizha ebhizimusi anogona kukurumidza kuchinjwa kuva cash, kana zvichidiwa, kubhadhara ikozvino mari yebhizimisi
Sezvakataurwa pamusoro apa, n uye kushanda mari ndeyemari yemari inoshandiswa kuongorora simba rebhizimisi. Chiyero ndechekuti: zvinhu zvemazuva ano zvisingakwanisi mvumo yezvino = kushanda kushanda. Nhamba yakanaka yaizova 2: 1; zvakapetwa kaviri zvakanyanya muzvinhu zvemazuva ano sezvazviri mumatambudziko anhasi.
Nhamba yepamusoro yeasset inoshandiswa inobvumira kutengesa nokukurumidza kwezvinhu, kazhinji pakurasikirwa, kubhadhara chikwereti chazvino.
Basa reKubata Rinoshandiswa Sei muBhizinesi?
Kushanda mari inoshandiswa mari (cash) concept. Bhizinesi rinogona kuratidza "purogiramu," asi kana isingagoni kuchengetedza mari yakanaka (iyo, kuva nemari mubhangi kubhadhara zvikwereti mwedzi mumwe nomumwe), bhizinesi harigoni kuramba richiita.
Ndingawana Sei Kushanda Nheyo Kubhadhara Bhizimisi Rangu Duku?
Kune nguva mbiri apo bhizimisi inoda kushanda mari yemari:
Pakutanga kwebhizimisi, apo mabhiridha inofanirwa kubhadharwa asi pane mari shoma inowanikwa nokuti iwe uchangotanga kuunza mari kubva kutengesa. Panguva idzi, unogona kuwana kambani yenguva shoma yekushandira chikwereti, iyo inokubvumira kudhonza pamutsara wechikwereti sekudiwa kuti uwane kukasikirwa kwemari .
Pane dzimwe nguva dzekuchinja, kukura, nekuwedzerwa, apo bhizinesi rako richifambira mberi uye unoda mari kwenguva pfupi kuti uwane mari iyo kuwedzera. Muzviitiko izvi, iwe unogona kufunga nezvechikwereti kana mutsara wechikwereti kubva kune chikwereti uyo watoita bhizinesi.
Semuenzaniso, PayPal inopa chikwereti chekushandira mari kune vatengi vane "zvakasimba PayPal zvekutengesa."
Iripo Zvirongwa zveKushanda Capital Loans
Sve SBA Export Working Capital Loan (EWCL) purogiramu ndeyemabhizimusi maduku eSudan anokwanisa kubudisa kutengesa kutengesa, kuvabatsira kuti vawedzere kutengesa.
VaSBA vanoti chinangwa chepurogiramu iyi ndechekuti "kuve nechokwadi kuti vadzidzisi vemabhizimisi vashoma vanoita zvekutengeserana havasi kurasikirwa nekutengeserana kwekutengeserana kwekutengeserana nekuda kwekusakosha kwekushandira mari."
Heano mamwe mashoko pamusoro pechirongwa cheEWCL:
- I-SBA inopa 90 muzana yevimbiso yezvikwereti izvi zvekutengesa.
- Mari yechikwereti ndeyevatadzi, vese vanotengesa, makambani ekutengeserana kunze kune dzimwe nyika uye vashandi vekutengeserana vanove varipo kwegore rimwe (kunyange zvazvo gore rimwe chete zvingada kuregererwa kana bhizimusi rinogona kuratidza unyanzvi).
- Dhaka yezvikwereti izvi ndeyekuenzanisa uye iyo inogamuchirwa inogadzirwa nekutengeswa. I-SBA inodawo chivimbiso chemunhu chaiye [vamiririri makumi maviri kana makumi maviri (100%) kana kupfuura huwandu).
- Iyo yakawanda EWCP mutsara wekwereti / chikwereti chikwereti iri $ 2 mamiriyoni.
Izvo zvakakosha SBA 7 (a) chirongwa chekukwereta chinosanganisira kushanda kwemari chikwereti.
Iwe unogonawo kuwana huwandu nemafungiro ekushanda zvikwereti zvemari kuburikidza uchishandisa mashura ekutsvaga nzvimbo , vatengesi vepaIndaneti, kana mhuri uye neshamwari.