Apo bhizimisi iri mumamiriro ezvinhu akadaro, pane nzira dzakawanda dzavanogona kuzviwana ivo pachavo mune zvematambudziko emari.
Imwe yenzira dzakajairika ndeyokushandira chikwereti. Zvinosuruvarisa, mazuva ano zvave zvakaoma zvikuru kumabhizimisi maduku kuti vawane zvikwereti zvechirwere nekuda kwechikwereti chakaipa. Nzvimbo dzakawanda dzemari hazvidi kupa zvikwereti kumabhizimisi ane rekodhi rekodhi rekodhi.
Pamusana peizvi, vateresi vauya kuzovimbisa kuti kunyange bhizinesi rine chikwereti chakashata chinokwanisa kuwana zvikwereti kuburikidza nekushandisa zvinhu zvavo sezvikwereti kune chikwereti. Izvi ndizvo zvinonzi se-aseset-based loan. Kana bhizinesi rine zvimwe zvinhu zvinokosha, zvinhu zvinoshandiswa sezvikwereti kune chikwereti chakadai kuti kana munhu webhizimisi asingakwanisi kubhadhara chikwereti, uyo anokweretesa anogona kuenda mberi uye kutengesa zvinhu kuitira kuti adzorere chikwereti. Yakava imwe yenzira dzinoshandiswa dzemabhizimisi maduku kuti vawane mari nokukurumidza kuitira kuti varambe vachishanda.
Iko kushandiswa kwemari-based based lending hakusi inoshuva semamwe nzira iyo bhizimisi inogona kushandisa kushandisa chikwereti.
Zvisinei, hazvisi zvose zvisina kusimba uye zviri nyore kana zvasvika pakutenga-based based loan ! Iine zvigaro zvayo pachake iyo mutengesi wese anofanira kuzive asati ashandisa zvinhu zvake sechikwata chechikwereti. Hezvino kutarisa nokukurumidza pamatenhere e-aseset-based kukweretesa kune vashandi vebhizimisi.
Kwete Zvinhu Zvose Zvinokodzera Sekugadzirisa
Ichokwadi chokuti kukodzero-based-based loan inoshandisa zvinhu zvebhizimisi sezvikwata hazvirevi kuti chero ipi zvayo inogona kushandiswa sechinhu chakachengetwa.
Vatengesi vanewo mamwe mazwi ayo mazairo anosangana nawo vasati ashandiswa sechikwata chechikwereti. Kana uri kutamba bhizinesi, pane zvimwe zvinhu izvo zvinokosha kune vamwe.
Kazhinji kenguva iyo anokweretesa achange achida kugovera pfuma iyo inokosha zvakaderera, kuderera kwehuwandu hwehuwandu uye inoshandurwa nyore nyore kuva chemari yemari. Izvi zvinoratidza kuti hazvisi zvinhu zvose zvinosangana nazvo zvinosangana nemamiriro ose aya. Munguva pfupi yapfuura, vateresi vave vachishandisa zvikwereti zvemari zvebhizinesi sechikwata chechikwereti mune kuti imwe yezana yekutengeswa kwezuva nezuva inoderedzwa kubhadhara chikwereti. Kana iyo rega inogamuchirwa haina simba rakakwana kuti ishandiswe sezvikwata ipapo uyo anokweretesa achatsvaga mari inoshandiswa kushandiswa sechikwata chechikwereti. Asi rangarira kwete zvinhu zvose zvinokwanisa kukodzera kushandiswa sezvikwata.
Kuti uve nekodzero yekufanirwa, inofanirwa kuva yakakosha kwazvo, yakaderedzwa kuwedzera kwehuwandu kana kukwidzika kwehuwandu huwandu uye nyore nyore kuchinjwa kuva cash. Izvo zviya izvo zvinoita kuti zvinhu zvigadziriswe kushandiswa sezvibvumirano kana zvasvika kune zvakasikwa-based based loan. Izvi zvinoreva kuti bhizinesi rine mabhizimusi anowanikwa zvinoshaya uye izvo zvinhu zvisingakodzeri zvichava nenguva yakaoma yekufanirwa nekodzero yemari.
Mari Yakakwirira
Kuenzaniswa nezvikwereti zvechigarire, zvikwereti -based-loan zvinodhura zvakawanda.
Dzimwe mabhengi kana mamwe masangano emari anoda kuti akakwereta ape ruzivo rwakanyatsonyatsoshandiswa nezvehupfumi hunoshandiswa sechikwata chechikwereti. Kazhinji yenguva, izvi zvinowanikwa vadzidzisi vebhizimisi vasingazivi chero ruzivo rwezvakanaka pamusoro pezvinhu zvavo.
Izvi zvinomanikidzira mabhizimisi kuti vape ruzivo rwakanyatsojeka pamusoro pekukosha kwemazuva ano kwezvinhu zvakakosha mubvunzo uye kuwedzera kwehuwandu hwezvinhu. Kuunganidza mashoko ose aya ndeyebhadharo pachako uye saka kuwedzera mari yekukwereta.
Kune rumwe rutivi, mamwe mabhanga anogona kukwereta mari yekuongorora, kushingaira kwemari uye chikwereti chekuda mari pachikwereti. Izvi zvicharamba zvichiita zvikwereti zvinotengesa mari inodhura zvikuru pamabhizimisi maduku zvichienzaniswa nemari yechikwereti. Kana zvasvika kune chikwereti chechigarire, chinhu chimwe chete chinokweretwa nebhangi ndicho chido chekuda uye hapana chimwe chinhu.
Zvinosuruvarisa, mabhizimisi maduku nevarombo zvikwereti zvisingakoshi haakwanisi kuwana chikwereti chetsika kubva kune imwe nzvimbo yezvemari. Iyi ndiyo iyo chikwereti chinotengesa mari inouya kuzochengetedza mabhizimusi ane marenda mashoma ekweretheni asi ane zvinhu zvinooneka zvingashandiswa sezvikwereti.
Zvakaderera Zvikuru zveChitatu
Kana iri kuuya kune-aseset-based loans, chikwereti kazhinji chinotarisa pfuma inogona kukurumidza kuchinjwa kuva mari kana mudzimai webhizimisi asingakwanisi kubhadhara chikwereti. Izvi zvinoreva kuti vanokweretesa vacharamba vachideredza kukosha kwechibvumirano mubvunzo.
Somuenzaniso, kana kukosha kwemusika weimba yakashandiswa sechikwata chechikwereti ndeye $ 300,000, uyo anokweretesa angakukoshesa pa $ 230 000 uye anokupa chikwereti che $ 230,000. Ichi chinhu chakakura zvikuru kumudzimai webhizimisi sezvo mari yekutengesa inoderedzwa mune iyo kana iwe usina kukwana kubhadhara chikwereti, uyo anokweretesa anozvitengesa semari yekurasikirwa kuitira kuti awane mari yavo. Iyi kudhura kwekutengesa inoita zvikwereti-zvekubhadhara zvikwereti zvinokonzera ngozi.
Mune imwe mamiriro ezvinhu, kune zvinhu izvo zvakakoshesa kuchengeta kuonga mushure mehumwe nguva. Kana zvinhu zvakadaro zvakashandiswa sezvikwereti kune chikwereti, uyo anokweretesa anoenzaniswa nemunhu anenge akwereta kana akwereta asingakwanisi kubhadhara chikwereti. Ngatitii chimwe chinhu chakashandiswa sechikwata chekukweretesa hachikoshi ku $ 300 000 uye kuonga kwekutengeswa ndeye 10% pa Kana akakwereta asingakwanisi kubhadhara chikwereti, zvinoreva kuti uyo anokweretesa achaitengesa nemutengo wakakwirira uye ita purofiti.
Kune rumwe rutivi, kana kukosha kwechibvumirano kuchikoshesa, uyo anokweretesa haagoni kukwidza mitsara yemari yaiye akakwereta. Chikwereti chekubhadhara chinoramba chiripo pasinei nekuwedzera kwemafa inokosha, iyo inoshandiswa sechibvumirano chechikwereti. Zviratidzo zvitatu zvinoratidza kuti uyo anokweretesa mari yechikwereti inoshandiswa nehurumende achange aine ruzivo rwepamusoro paanosvika pakuenzanisa kwezvinhu.
Kana iyo yefa inokoshesa kukoshesa, iyo inowedzera kubhadhara chikwereti chichaita kana muzvinabhizimisi asingakwanisi kubhadhara chikwereti. Chechipiri, uyo anokweretesa acharamba achidzokorora kukosha kwezvinhu zvakaderera kupfuura yezvino mari yemari. Izvi zvinokuita kuti uwane chikwereti chechikwereti chiduku pane zvaunotarisira. Nokudaro, chikwereti chinotengeswa hachina kunaka sezvawakafunga.
Mukana Wekurasikirwa Nhaka Dzakakosha
Sezvambotaurwa kare, chikwereti chekubhadhara mari inoshandiswa nemhando yeruzhinji iyo iyo yakwereta inoshandisa pfuma inokosha sechibvumirano kuitira kuti apiwe chikwereti. Chibvumirano chinoshandiswa chinogona kutengeswa nemunhu anokweretesa kuti adzorere mari yakabhadhara kune akakwereta kana akwereta asingakwanisi kubhadhara chikwereti.
Kana ukakundikana kubhadhara mari yacho, uyo anokweretesa achazouya achishandisa yefa iyo yaishandiswa sechinhu chakachengetedzwa pakutanga uye ichiitengesa. Kana izvi zvikaitika, uyo anokweretesa anoita purofiti yakawanda kunyanya pazvinhu izvo zvakakosha zvinoramba zvichiratidza nguva nekuita sendima yebhizimisi kana magetsi. Izvi zvichaita kuti akakwereta afire pfuma yakakosha iyo ingadai yakashandiswa kuunza kukura kwebhizimisi munguva yemberi iri pedyo.
Pane dzimwe nguva, bhizinesi ringakundikana kubhadhara chikwereti uye iyo yefa inoshandiswa sechikwata ine kukosha kwemashamba emari yakadai zvokuti kunyange kana yakatengeswa, mari haikwanisi kubvisa chikwereti. Kana izvi zvikaitika, uyo anokweretesa achakamanikidzwa kutora zvimwe zvinhu izvo bhizinesi iri kuitira kutengesa nekudzorera mari yacho zvakakwana. Izvi zvichaita kuti munhu akwereta awane mari inokosha.
Semuenzaniso, mutengesi anogona kunge akashandisa motokari sechibvumirano asi sezvo motokari inodhura kukosha, kusakwanisa kubhadhara chikwereti ichocho chichasimudzira mutengesi kutengesa motokari uye kana kukosha kwemotokari kwakaderera, ipapo mutero angasvika nekuda kwako nzvimbo. Izvi zvinoreva kuti iwe unopedzisira ukarasikirwa zvose motokari uye nzvimbo yekukweretesa kubhadharwa zvakakwana.
Pamusoro pekunamata
Imwe njodzi huru yekuisa zvinhu sezvikwata zvezvikwereti zviri pamusoro pekutengesa mari. Kana ukashandisa zvivakwa sechikwata chezvikwereti, iwe uchaguma uchibhadhara zvakawanda pamusoro pezvikwereti kupfuura zvauri chaizvo mune zvekukwereta. Kana kukosha kwemahotera kunowira pasi, ipapo uyo anokweretesa achakamanikidzwa kutora mari yakawanda kubva kwauri kuitira kuti awane mari yavo.
Izvi ndizvo zvinotaurwa pamusoro pekutengesa zvinhu zvako. Iyi ingozi yakawanda yekuti bhizimisi harifaniri kupinda mukati mekunge muridzi webhizimisi aigona kurasikirwa nezvinhu zvose zvinokosha izvo bhizinesi rinobhadhara kune chikwereti apo zvinouya nezvekukweretesa kunowanikwa.
Izvi zvinoratidza kuti kushandiswa kwedzimba sezvikwata zve-aseti-based lending is not one of the best options. Chokutanga pane zvose, pane nguva inouya apo misika yematoro inowira pasi. Kana izvi zvichienderana nebhizimisi zvisingakwanisi kubhadhara chikwereti, ipapo uyo anopa chikwereti achatengesa chikwereti chiri mubvunzo uye kana ikasabhadhara mari yakakwana inogona kudzorera chikwereti, saka zvakawanda uye zvakawanda zvinotora zvakatorwa nemunhu anokweretesa kuitira kuti kuti awane mari. Iyi ingozi huru sezvo bhizinesi rinogona kurasikirwa nezvinhu zvaro zvose munguva refu.
Hazvivakiri paBusiness Credit Score
Chinhu chakaipa nemari yakabhadharwa ndeyekuti havakwanisi kuvakira chikwereti chebhizimisi. Izvi ndezvikonzero zvekuti chero bhizinesi rinosvika pane imwe nzvimbo yekushandisa pfuma yake sechikwata chechikwereti inoratidzika kuva mari isina kugadzikana.
Nokudaro, kana iwe uri rudzi rwevanhu vanoda kuwedzera chikwereti, saka kuenda kune chikwereti chakachengetwa nehupfumi hakuchave chakanakisisa iwe. Izvi hazvina kunaka kune akakwereta kunyanya munhu akazvipira kubhadhara chikwereti munguva yakabvumirana. Kana iwe ukatora chikwereti chekubhadhara mari uye uchiedza kuiripa zvakakwana, hazvizowedzereri chero chinhu kune repoti rako rechikwereti.
Kana iwe uchienzanisa zvikwereti zve-assets-based based kumabhadhara emitambo maererano nekugadzira bhizinesi rako rebhengi rekwereti, ipapo zvikwereti zvepamberi zviri nani zvikuru. Apo iwe unotsiva chikwereti chedsika panguva, chikwereti chako chikoro chichakwira pamwe nenguva. Chikwereti chakanaka chechikwereti chinoita kuti bhizimisi rako rive rakanaka kune vane chikwereti uye nokudaro kuwana chikwereti kunowedzera nyore.
Munhu wese anokwereta achava 90% anovimbisa kuti chero bhizimusi rine mari yakanaka yechikwereti ichakwanisa kutumira kubhadhara chikwereti panguva. Zvisinei, kunyange kana iwe uchiripa chikwereti chakachengetedzwa kubva pane imwe nguva, hachizogadziri iwe chikwereti chako. Mukupfupisa, kakawanda nguva dzose zvikwereti zvakachengetwa zvine migumisiro isingabatsiri pane chikwereti chikwereti chebhizimisi.
Nguva dzose Kuongororwa kweAfisi Kuita Kuti Chikosha
Kana ukashandisa bhizinesi rebhizimisi rako sechikwata chechikwereti, uyo anokweretesa kana sangano rezvemari rakakupa chikwereti uchakuda iwe kuti uite nguva dzose chekuchengetedza kuti uone kuti yakanaka uye inogona kutengeswa nyore nyore kana ukakundikana kubhadhara chikwereti. Iwe uchakamanikidzwa kunyora mitsara pamusoro pemamiriro ezvinhu easset nguva dzose. Kutaura zvazviri, uyo anokweretesa angatomirawo kuti iwe unofanirwa kushandisa sei pfuma kuitira kuti uve nechokwadi chokuti hauna kupfeka uye kubvarura.
Kuongorora nguva dzose kunogona kuva kuneta uye kunotyisa. Dzimwe nguva vanokweretesa vanogona kusvika kumakamuri enyu kuti vaone ivo pachavo. Izvi zvinotora nguva yako yakawanda uye zvinogona kukumanikidza kuti udzokezve mamwe maitiro ako ebhizinesi. Sezvo kana izvozvo zvisina kukwana, uyo anokweretesa anogona kupa mirayiridzo yekuti mari yacho ichashandiswa sei kuchengetedza kukosha kwayo.
Iyi haisi chinhu chinodikanwa kune chero bhizimisi webhizimisi asi nemari-based based loans, iwe uchafanira kugara nemirairo yeunokweretesa. Izvo zvinoratidzirwa zviri pamusoro apa zvinoratidza kuti mari yakabhadhara-inokwereti haisi yevashandi vemabhizimisi vakawanda vanofunga. Usati wasarudza kushandisa mari yako sechikwata chechikwereti, unofanira kutanga watarisa danda iri pamusoro apa.