Kunyange zvazvo vateresi vemazuva ava vatanga kusunungura mabhanhire avo; kuongororwa kwepamusoro kuchiri kuiswa apo kuongorora bhizinesi kune chikwereti. Kana nguva iine hupfumi iwe pachako hauna humwe humwe hurongwa hwekubhadhara hunoita kuti iwe uwane mvumo yekukweretesa kwebhizimisi nokukurumidza mumazuva maviri ebhizimusi uye mari nekukurumidza semazuva manomwe ebhizinesi.
Inonzi Revenue Based Loan .
Imari inoshandiswa pakubhadhara mari inozivikanwawo semari inoyerera inokweretesa chikwereti ndiyo yakakodzera mari yekugadzirisa vatenzi vebhizimisi avo vari kudiwa kutsanya mari. Panzvimbo pemutemo uye kuoma kwekugadzirisa nekuwana chikwereti chemabhizimisi chetsika; mari yechikwereti inotora chikamu chinoda kushanda kushanda uye mwedzi mitatu ikozvino bhengi uye vatengesi mazwi.
Ramba uchitarira izvi haisi mutengesi mari inotangira , iyo ndiyo imwe nzira yokubhadhara mari inotarirwa chete nekambani yako yekodhi yemari yekutengesa. Iyi ndiyo chikwereti chinobva mubhengi rekambani yako.
Chikamu chakanakisisa ndicho chikwereti chemabhizimisi chinokurumidza nokuti chiri nyore uye chakavakirwa pamari inokonzerwa nebhizimisi rako. Hapana chikonzero chekupa mari, kubhadhara mutero, mari yemari, zvirongwa zvebhizimisi kana imwe mimwe mapurisa emagwaro anokwereta vatenzi iwe waunopa.
Mukuwedzera pakutsvaga mari nekutsvaga kwayo, chikwereti chekuwana mari yakakosha kune muridzi wemabhizimusi asina unyanzvi.
Zvikwereti zvemunhu pachake zvinotambudza huwandu hwemazana emadzimai emabhizimisi maduku nhasi achivadzivirira kuti vasakwanisa kuwana chikwereti chezvikwereti zvebhizimisi.
Sezvo mari yezvikwereti yakabhadharwa inowanzoenderana nemari, kussimbiswa kunowanikwa ku creditworthiness yemuridzi wemabhizimisi. Pasi peji 550 FICO ® chikamu ndeye zvose zvinodiwa uye zvinenge zvishanu zvinyorwa pamwedzi muongororo yekambani yekuongorora yegore rose mari yakawanda yemadhora makumi maviri.
Saka iwe unobhadhara sei chikwereti chemari yebhizimisi?
Kubhadhara kwakasiyana zvikuru nemari yakabhadhara mari inofananidzwa nekodhenda yemabhizimisi. Panzvimbo pokugadzirisa mwedzi mizhinji mwedzi wega wega, kubhadharwa kunowanikwa muzvinyorwa zvishoma zvezuva nezuva kubva kunekambani yekuongorora yekambani yako kuburikidza ne Automated Clearing House (ACH).
Somuenzaniso, ngatiti iwe wakatora chikwereti chemari yebhizimisi yebhadharo ye $ 10,000k nemitemo yekubhadhara kwemwedzi 6. Nekutengesa chikamu chezvikwereti zvinokwana 1.24 paizova neACH yezuva rimwe ye $ 96.12 kubva kune imwe kambani yekuongorora yekambani yako isina mabhii mukati mevhiki yekupedzisira kwemwedzi mitanhatu inosvika $ 12,400. Izvi zvishoma zvishoma zvezuva rimwe nerimwe zvinoita kuti zvive nyore nyore kune mudiki webhizimisi kuti aite zvinopesana nekubhadhara mutero mukuru wemwedzi mumwe nomumwe.
Ndeipi iyo yebhizimisi yebhizimisi ine mari yekubhadhara mari yakakosha?
Mamwe emakambani anozivikanwa zvikuru emhando iyi yemari inoyerera inowanikwa purogiramu yekubhadhara mahofisi ezvokurapa, maresitorendi, mararamiro emhando, fesitereti dzekutengesa, mahotera, masitoroti, mapurisa emagetsi, zvigadzirwa zvemitambo, zvipfeko zvezvokudya zvehutano, zvipfeko zvekugadzira, kushambidza mabasa, zvigadzirwa zvezvinhu , zvishongo zvishongo, misoro yemisipiresi, zvipfeko zvezvitoro, uye doro, waini newaini zvinotengeswa.
Zvakakosha kucherechedza kunewo zviremera zvepurogiramu iyi zvakare. Mamwe maindasitiri haasati akakodzera kuwana urongwa hwemari yepurogiramu iyi. Izvi zvinosanganisira asi hazvirevi kune vanotenga chikwereti, chengetedza kutenga mabhizimusi, masangano ekuunganidza, mahofisi ekufambisa, mabhizimisi, masimba ekuchengetedza muviri, zvivako vatengesi, mitero yekugadzirira mitero, tiketi vatengesi uye mabhii pawn.
Sezvaunogona kuona mari-based based finance inopa vashandi vaduku mabhizimisi mukana wekuwana chikwereti chemabhizimisi nokukurumidza pasina kuzviisa pasi pese kuongororwa kwakaoma, mapepa akakomba, nguva yakareba, nekugadzirisa matanho anouya nezvikwereti zvemabhizimisi zvekare.