Zvichienderana nezvinoitika, zvinogona kunge zvichitaura kuti tsika dzekambani nedzimwe mabhizimusi ekubhadhara zvakadai semari yechikwereti nebhizimisi hazvina kukwana kana kuti hazvisviki kune vadiki vhizimisi vebhizimisi. Kunyange zvakadaro, vadzidzisi vemabhizimisi vaduku vachiri kuona kukosha kwekuwana mari yekusimudza mabhizinesi avo uye kubvisa kukwira kwemari kwemari. Iko panguva dzakaoma zvakadai kuti vashandi vebhizimisi vakawanda vanotendeukira kumabhengi ekubhadhara mari inovhura senzira yekuwana mari yavanoda.
Zvikomborero zvekodha mari inogamuchirwa yebhizimisi inogona kuva yakaoma kukunda. Simba rayo rekuwana mari yekukurumidza kusimbisa kukura kwebhizimisi ndiyo mhinduro ine simba. Nyaya iyi inotarisa zvakajeka nyaya dzose dzinokosha iyo mumiriri webhizimisi wese anofanira kutarisa asati asayina miganhu ine mavara ezvinyorwa zvose zvinogamuchirwa mari, pamwe nezvose zvakanaka nezvakaipa.
Ndezvipi chaizvo zvinyorwa zvinowanikwa mari?
Zvinowanzozivikanwa seChingoring, kubhadhara mari inobhadhara mari ndeye imwe yekare-kare yekutengeserana mari. Muchirevo chisinganzwisisiki, iyo inobatanidza kutengesa kwezvakagamuchirwa kana zvikwereti zvakakosha pakuisa chiratidzo kune imwe nzvimbo inoshandiswa kana kuti yekambani yemari (inowanzonzi "Factor"). Kambani yekutsvaga inotora njodzi pane iyo inogamuchirwa uye mukudzoka inokonzera bhizinesi rako nekukurumidza kuwedzera kwemari. Mari iyo inobhadharwa kune yakagamuchirwa inowanzoenderana ne "zera" uye unhu hweiyo inogamuchirwa.
Ndicho chikwereti kana urongwa hwokugadzirisa zvinhu here?
Chenjerera kuti uone kuti iyo chibvumirano chekuisa mari uye kwete chikwereti. Iva nechokwadi chokuti chibvumirano chacho chine mubairo wepamusoro, izvo chaizvoizvo ndezvipi zvakasiyana-siyana zvinowanikwa. Tsvaga kuti mari yepamusoro inotarirwa sei uye ingave yakasungirirwa pamusoro pekutengesa. Ramba uchifunga kuti chiyero chekutanga chikamu chinokosha chezvinyorwa zvinogamuchirwa mari, zvingava zvishoma kana kupfuura.
Tsanangudzo yeTsika Yokutenga
Ichi ndicho chimwe chikamu chakakosha chechibvumirano chaunofanira kuisa maonero. Muzvimwe zviitiko, kutenga kunobhadharwa mukati memazuva anopfuura 180. Kambani yekambani inowanzotarisirwa kubhadhara uye kubhadhara invoice pamakero ako anogamuchirwa. Zvakakosha kuziva ruzivo rwekuchengetedza uye kuti inorayirwa sei. Chimwe chikamu chemari ndiyo mari inobatwa uye inowanzobva kune 2% kusvika 20%.
Mitemo yeChipatano
Chibvumirano kureba chinhu chimwe chinokosha chaunofanira kufunga. Pasinei nokuti chibvumirano chinoenda kwemwedzi, gore kana makore akawanda, iva nechokwadi chokuti iwe unonyatsoziva urefu hwechibvumirano, uye kana chibvumirano chechinguvana kana kwenguva refu chichave chakakosha kune bhizinesi rako.
Pros of Accounts Receivable Financing
Muzvokwadi, bhizinesi rose rezvemabhizimisi rinosarudza rine mazano akanaka uye akaipa. Mari yekubhadhara mari inogamuchirwa ndeyekuti:
- Hapana Chidikanwi Chekugadzirisa - Icho chimiro chekusachengetwa kwebhizimisi mari yekusarudza iyo isingadyi mari inobhadharwa mumhando yezvinhu uye varanti.
- Chengeta Udzi weBhizinesi Rako - Rudzi urwu rwemari harudi kuti upe chikamu chebhizimisi rako rebhizimisi kuti uwane mari.
Cons yeComputer Inowanikwa Mari Inoshandiswa
- Mari Yakakwirira -Kunyange zvazvo iri nzira yakakurumidza yekuwana mari yebhizimisi rako, inogona kuuya kune mari yakakwirira kudarika mitengo inopomerwa kune dzimwe mhando dzezvikwereti zvebhizimisi. Yeuka kuti kukundikana kubhadhara mari mukati memakore akafanotarirwa kuchawedzera chete mari yaunenge uchida kubhadhara.
- Zvibvumirano Zvenguva - Zvimwe zvibvumirano zvinogona kuva zviduku uye zvinobvira, asi zvimwe zvinogona kunge zvakakura uye zvichikurira kupfuura iwe waunoda. Zvakakosha, zvisinei, kutaurirana nekureba kwechibvumirano chinoshanda zvakakwana iwe nebhizimisi rako.
Chero chero maitiro ebhizimisi, angava maduku kana makuru, panguva imwechete anoda bhizimisi rebhizimisi kutsigira zuva rakasiyana-siyana zuva nezuva mabasa ebhizimisi. Pane imwe nguva, bhizinesi rinogona kuda mari yekukurumidza kugadzirisa maitiro ayo. Zvinosuruvarisa kuti kuwanikwa kwekwereti kwave kwakaoma zvakanyanya, kunyanya kumabhizimisi maduku nevakawanda vatenzi vetsika vasingadi kupa rubatsiro rwakakosha. Nhoroondo dzekubhadhara mari dzinogona kuwana mabhizimusi kukunda matambudziko emari.