Chikwereti Chine Nguva Yakarema Mari
Mari Yenguva Yakare Yokubhadhara Inowanzoshandiswa kune zvigadzirwa zvebhizimusi rako raunotenga, zvakadai semidziyo, zvivako, nyika, kana mashandisi.
Nekugara kwenguva yakareba chikwereti chekubhadhara mari, kubhadharwa kwakarongwa kwechikwereti uye inofungidzirwa kuti upenyu hunoshandiswa hwezvinhu hunowedzera kupfuura anopfuura gore. A chikwereti kazhinji zvinoda kuti zvikwereti zvemazuva mazhinji zvive zvakachengetedzwa nezvinhu zvinotengwa.
Dhombodo Yenguva Pfupi Yokubhadhara
Mhedziso Yenguva Pfupi Yokubhadhara Inowanzoshanda kune mari inoda kubasa zuva nezuva kwebhizimisi, sekutenga kuunganidza, kupa, kana kubhadhara mubhadharo wevashandi. Nguva pfupi yekubhadhara inotumidzwa semari yechikwereti kana chirongwa chemari pfupi kwenguva pfupi nokuti kubhadharwa kwakarongwa kunoitika mugore risati rapera. Mutsara wechikwereti muenzaniso wekanguva chikwereti chekubhadhara mari. Nzira dzekwereti dzinowanzochengetedzwa nezvinhu (aka collateral ).
Marikiti yemakadhi ndiyo inowanzobudiswa mari shoma shoma yemabhizimisi maduku. Ichokwadi, maererano nesangano reUnited States National Small Business Association ra2015 , 37% yevaduku vebhizimisi maduku vanoshandisa makadhi emakadhi ekubhadhara mari.
Nguva pfupi mari yekubhadhara inowanzoshandiswa nemabhizimisi anowanzova nemari kwenguva pfupi inoyerera kana kutengeswa kwemari kusina kukwana kuvhara mari zvino. Kutanga mabhizimusi kunonyanya kukonzerwa nezvinetso zvemari yekuyerera .
Kubatsirwa Kwemari Chikwereti
Kubatsira kukuru kune chikwereti chekubhadhara pamusoro pekubhadhara mari yehutano ndeyekuti mukwereti haatore mamiriro ekuenzanisa mubhizimusi rako - unochengetedza huwandu hwakakwana uye mupepeti haana simba pamusoro pekushanda kwebhizimisi.
Kune rumwe rutivi, nekubhadhara mari yakaenzana nevasimari vanova chikamu chevadzidzisi vekambani uye saka vane sumo mune kuti bhizimisi rinotarisirwa sei.
Mari yechikwereti mari inoshandiswa yakazara inotengesa sebhasiro rebhizimisi uye munyaya yekubhadhara mari kwenguva refu, nguva yekubhadhara inogona kuwedzerwa kwemakore mazhinji, kuderedza mari yemwedzi. Kufunga kuti chikwereti hachisi kuchinja-kutarisa mari inoshandiswa nevekuda mari inozivikanwa nehuwandu hwehuwandu hwemari uye yehutongwa hwebhizimisi .
Kukanganisa Kwechikwereti Kubhadharira
Nokuda kwemari yakawedzerwa, mabhandi anowanzoda mari yebhizimisi kuti iiswe sechikwata chechikwereti. Kana (sezvinojairika nemabhizimisi maduku) bhizinesi harina kukwana zvakakwana mutengi anenge achitsvaga zvivimbiso zvake kubva kune vashandi vebhizimisi.
Sezvo muridzi, izvi zvinosiya iwe pachako uine mhosva yekubhadhara chikwereti (kunyange kana bhizimusi rako richibatanidzwa ). Kana bhizinesi rako iri mukutambudzika uye risingakwanisi kuita mari yekubhadhara chikwereti, chero chii chaunoshandisa pfuma yaunenge uchitumira sechikwata (imba, motokari, maakaiti ezvikwereti, nezvimwewo) inogona kubatwa nebhangi.
Nekubhadhara chikwereti, kubhadhara mari yakatarwa uye hurongwa hwekubhadhara chikwereti kunogona kuita kuti zvive nyore kuti bhizimisi riwedzere pamwe nekubhadharisa mari, mari inotengeswa mubhizinesi mukutsinhana kwehutano-hapana purogiramu yekubhadhara yakarongeka uye varimi vane chinangwa chenguva refu chekudzoka pakutsvaga.
Kana bhizimusi rako richida chikwereti chekubhadhara mari kana kuenzanisa kwekutsvaga iwe unofanira kuva nehutano hwebhizimisi huripo munzvimbo isati yatengeswa kana mumwe mutengesi kana mutengi achifunga kukupa mari. Izvi zvinosanganisira nhepfenyuro yemari yebhizimisi yako seyakadai semashoko ekuwana mari, maranho ekuyerera kwemari, uye bhaari rezeri.