Restrictive Bank Chikwereti Zvibvumirano zveBhizimisi Maduku

Nzira Yokunzwisisa Sei Zvibvumirano Zvokubhadhara Zvikwereti zveMari Miviri Dzebhizimisi

Apo mabhizimisi maduku anoita shanduro yekwereti yebhangi kana chikwereti chebhengi remakore , uye inobvumirwa, chibvumirano chechikwereti chinowanzo ine zvikwereti kana zvibvumirano zvisingabvumirano. Chibvumirano chekubhadhara chikwereti inongova chirevo chechibvumirano chechikwereti pakati pemukweretesi nemukwereta (mune iyi nyaya, bhizinesi duku) achitaura kuti bhizinesi duku rinogona uye harigone kuita zvimwe zvinhu apo riri kubhadhara chikwereti chebhangi.

Makambani anokwereta anofunga kuti njodzi yakakwirira ichava nezvibvumirano zvakanyanya.

Makambani ayo mabhanki anotaridzika ari pangozi yakaderera ichava nezvibvumirano zvishoma zvekudzivirira. Njodzi inotarirwa pane zvimwe zvinhu zvinowanikwa nebhangi kusanganisira creditworthiness , zvikwereti zvemari , kushamba kwemari , kubhadhara , bhizinishuwarenzi yebhizimisi , uye bhizinesi rebhizimisi rako. Zvimwe zvinhu zvinogonawo kushandiswa kugadziriswa zvibvumirano zvisingabvumirano.

Affirmative kana Positive Loan Zvibvumirano

Zvibvumirano zveApriirmative zvinhu izvo bhizinesi duku kana kuti chikwereti zvinofanira kuita apo iri kubhadhara chikwereti chebhizimisi chayo. Mienzaniso yezvibvumirano zvinotsigira kana zviitiko zvakakosha - kusangana nemitoro yemari, kubhadhara mitero, nekuchengetedza mari yakanaka. Zvimwe zvinogona kuita zvibvumirano zvekusimbisa ndezvekuchengetedza bhuzinesi yebhizimisi, kuchengetedza chibvumirano chenyu, nekuchengetedzwa kwekodha.

Bhengi rinogonawo kukumbira bhizinesi duku kuchengetedza mamwe mazinga emamwe madhigirio emari . Mienzaniso yemari yezvemari iyo mabhanhire angatarisa ndiyo chikwereti chekuenzanirana kwehuwandu , chikwereti chekuenzanisa kwechikwata , uye yekambani inoshandiswa nemari .

Zvinodzvinyirira kana Nezvakaipa Zvikwereti Zvibvumirano

Zvibvumirano zvisingabhadhari zvekubhadhara zvinokonzera kukwereta kwetsika nekuda kwebhangi. Mune mamwe mazwi, bhizinesi duku rinokwereta mari rinofanira kurega kutora matanho chaiwo. Sungano yakaipisisa yakawanda inoda kuti kambani isabwere chikwereti chero ipi zvayo kubva kune imwe chikwereti.

Kutaurirana Nezvibvumirano Zvemari neBhanki yako

Izvo zvakasimbiswa nekambani yako ndeyemari, nzvimbo iri nani iwe uripo kuti uitisane zvibvumirano zvekwereti nebhangi rako. Mabhangi anoshandisa zvibvumirano zvekukweretesa kuchengetedza zvido zvavo nekugadzirisa dambudziko ravo. Havazoiti chikwereti kumabhizimisi enyu maduku, zvisinei, dai vasina kuda bhizimisi renyu kubudirira. Saka pane nzvimbo yekutaurirana. Iwe uchada kuisa bhangi ne chirongwa chebhizimisi chakanaka, chakakwana nematauri ezvemari , kuitira kuti tibvumirane zvibvumirano nebhangi.

Kuongorora Mazano Okubhadhara uye Kuita NeChipupuriro Chekuita

Mudzimai wechidiki wemabhizimisi anofanira kugara achicherechedza kuti kana kwete iyo kambani inotevedzera zvibvumirano zvekweretwa, zvakanakisisa nemataurirwo emari iye zvino uye anofungidzirwa. Zvakanakisisa kana CPA yako ichikubatsira nebasa iri kwete sevamwe vadziri vemabhizimisi vese ndeye nyanzvi yemari.

Chimwe chezvinhu zvakakosha zvikuru zveCPA ndechekuziva kuti bhizinesi duku harisi kuputsa chero zvibvumirano zvechikwereti. Dzimwe nguva, kuputsa kwesungano hakugoneki. Semuenzaniso, chii chinoitika kana chikwereti chemari yepamusoro chinowedzera pamusoro pezinga rakagadziriswa nesungano iyo yezvikwereti? Mhinduro shomanana ndeyekuti inobva pakusimba kwekuputsa.

Chirango chakakonzerwa nebhangi chinogona kubva pane tsamba iri mufaira rebhizimisi duku kusvika kubhangi rinoshevedzera chikwereti. Zvimwe zvikwereti zvepakati pepakati zvinogona kusanganisira kuwedzera kwechikwereti chechikwereti chakakweretwa pachikwereti kana chimwe chetenguva imwechete yezvemari.