Yazi indlela oceba ngayo inzuzo kwiBusiness Your Small Business
Kuyo yonke intsapho, amalungu ahlukeneyo kwintsapho aqale yonke into esuka ebhankini ukuya kwivenkile yezinto zokugcoba, ezakhelwe iinqwelo zeemoto kunye neendawo zokugcina izinto, zihamba iinkampani zempahla yezemidlalo kunye nevenkile zokuthengisa, zaqala isityalo sokwenza kunye nenkampani yekhonkrithi. Amashishini amancinci abonakala njengemashini yemali; izipho ezimangalisayo, ukuba, xa zikhuliswe kakuhle, zivelise ixesha lokuphila lokuzimela ngokwezimali kwaye umgangatho wokuphila uphezulu kakhulu kunabo abakujikelezile. Ukutshala imali kwiisitokisi kwakunje ukwandiswa kwalengqondo yobunini; ukuthenga inxalenye encinci yebhizinisi eqhutywa ngumnye umntu, kwaye ujonge ukusikwa kwakho kwemali .
Uhlobo olulungileyo lomntu, ngolunye uhlobo lwesakhono esetyenzisiweyo, isimo sengqondo, kunye neprojekthi yengozi, utyalo-mali obutshishino oluncinane lunokuba lunye lwezityalo-mali ezithengiweyo ezenziwa ngaphezu kobomi bonke. Ngokuqhelekileyo, kukho iindlela ezintathu kuphela onokufumana ngayo inzuzo ngokufanelekileyo kwi-firm holding firm, endifuna ukuyihlola kule nqaku.
Ukwazi ezi zintathu izibonelelo zobutyebi kubalulekile kuba, ngokuqhelekileyo, abatyali-mali abatsha bayagxuma intloko-yokuqala kwindawo efanelekileyo ngaphandle kwengcamango ecacileyo yokuba baya kuqhuba njani injini yezoqoqosho ukuze bafumane inzuzo yemali abayifunayo, kuphela ukuba bazifumene , kwezinye iimeko, yaphuka.
Umthombo Wokuqala weNgeniso evela kwiNtengiso yeNcinci yeMali nguMvuzo oza Kuwuhlawulela ukusebenza kwiNkampani
Kwabaninzi abatyali-mali bezoshishino, inkampani ayizange ivelise okwaneleyo kubo, kunye neentsapho zabo, ukuba baphile kwiimali ezithathwe kwinkampani ngokutshintshela ukusebenza kwi-payroll. Nangona oku kungathiwa yimpumelelo kwaye ngokwayo-unomsebenzi kwaye uphendula kuphela wena-ishishini elincinci alisoloko litsalomali ngalunye kule nqanaba. Esikhundleni saloo nto, abasunguli baye bazenzela umsebenzi, obandakanya izibonelelo kunye neengxaki zokwenza umsebenzi. Ezi ntlawulo zohlawulelo ziyakunciphisa ixabiso elipheleleyo le nkampani kufuneka likhulise, nto leyo inokusichazela ukuba kutheni amashishini amaninzi akwazi ukuhamba ngaphaya kommandla omnye okanye enze okungaphezu kwamawaka angamawaka angama-dollar kwi-sales. Akuqhelekanga kumashishini amancinci aphumelele ukuba aqale njengengqesho yexesha lexeshana, avumela abaqashi ukuba baqhubeke nomsebenzi wabo wosuku de inkampani ikhula ngokwaneleyo ukuxhasa imfuno yabo yomvuzo.
Xa ishishini elincinci lihlelwe njengenkampani ejongene nemfanelo , umvuzo ohlawulwa kubasunguli kwimigudu yabo iyaziwa njengoluhlobo olukhethekileyo lokungena kweemali ezibizwa ngokuthi "Iintlawulo eziqinisekisiwe".
Iintlawulo eziqinisekisiweyo zineempembelelo zerhafu ezikhethekileyo kunye neengxelo zezimali , ngoko kuya kuba bubulumko ukuba uphando kwaye uziqonde.
Umthombo wesiBini weNgeniso evela kwiNkxaso-mali yoRhwebo oluNcinci kuvela kwiSabelo esenziwe kwiNzuzo eyenziwe yiNkxaso
Xa utyalo-mali oshishino oluncinci luphumelele, kukho inzuzo eseleyo kubanikazi abanasentla nangaphezulu kwexabiso elithathwe kwishishini kwimirholo kunye nemvuzo. Abanikazi banokugqiba isigqibo sokuvuselela inzuzo ngokunyusa kwangexesha elizayo, okanye banokuvakalisa isahlulo (kwimeko yenkampani), ukuhanjiswa (kwimeko yenkampani ejongene noxanduva okanye ulwalamano olunqongophele ), okanye umdwebo ( kwimeko yokuhlala kwedwa), ukusebenzisa imali ebomini babo, ngokuqhelekileyo ukwakha imali , ukufumana ezinye iimali-mali, iibhondi okanye i- estate , ukuhlawula ityala, ukuphucula indlela yokuphila, ukuya eholide, okanye ukunika isisa.
Ingaba umtyalomali omncinci wezoshishino, okanye nawuphi na umtyalo-mali, uhlawulela izabelo zakhe zinokuba nempembelelo enkulu kwixabiso lawo, njengoko kuboniswe kulo nyaka we-50 uphando lwama-share of the Coca-Cola Inkampani . Akukho mpendulo echanekileyo okanye engalunganga. Ukuba unqwenela ukuphila kangcono ngoku kunye nokunikela ubuncwane obuthile kwixesha elizayo, ukuthatha igalelo kunokuba yinkqubo yokwenza isicatshulwa. Ukuba unokuba ucebile kwixesha elizayo kwaye uzilungele ukubeka umngcipheko kwiinkcitho ezingaphezulu kweso siphumo, ukubuyisela igalelo kunokuba isicwangciso esilumkileyo. Nasiphi na isiganeko, xa usuka ngaphaya kokuba nomsebenzi, izahlulo ezivela kwingeniso yintsika yesibini eqhelekileyo yobutyebi kubarhwebi bamashishini abancinci.
Umthombo wesithathu weNgeniso evela kuTyalo-mali lweShishini elincinci livela kwiiNzuzo eziMali xa uthengisa
Xa inkampani ikhulile ngaphaya kommandla omncinci wezoshishino, inokuba yinto ekhangelekayo ngokwaneleyo ukuba abatyala-mali abangaphandle bafuna ukuyenza. Xa oku kwenzeka, aba batyali-mali bangabonisa ukuthenga inkampani. Ngaphandle kwemibandela embalwa, umthombo oyintloko wexabiso lokusebenza kwishishini elidala ukubuyisela okuhle kwixabiso eliyinkunzi ngamandla okufumana imali, kungekhona ixabiso kwi- balance sheet . Ngokomzekelo, utyando lwemveliso yokuvelisa aluncedo xa kuthengwa kwiimarike zokuthengiswa kwemali, kodwa xa kuthengwe njengenxalenye yenkampani ehamba phambili evelisa inzuzo enkulu, ibalulekile.
Abatyalomali baya kujonga i-earnings ye-shishini kunye nenkalo ekukhuleni, kumanqanaba ematyala kunye noqoqosho lwezo shishino ngokupheleleyo. Ukuba izinto zikhangeleka, zivame ukusebenzisa ixabiso elithile kwisihlomelo senzuzo. Oku kulingana nomlinganiselo wexabiso-kuya-umvuzo oyiva kakhulu malunga nemarike yempahla. Ngaloo ndlela, ishishini elithola i-$ 1,000,000 ngonyaka ngenzuzo lingathengisa ngokufanelekileyo i $ 10,000,000 okanye i-$ 15,000,000. Loo mfanekiso "ixabiso" lexabiso le-firm firm value.
Abanye abanikazi bamashishini abancinci benza uphuhliso olutsha ngenjongo yodwa yokuzikhulisa ukuya kwinqanaba lemali engenayo inokuthi ihlawulwe kwaye inkampani ithengiswe. Oku kuyaziwa ngemigangatho yezemali nje ngokuba "umcimbi wecala". Kukho iintlobo ezikhethekileyo zotyalo-mali ezijolise kulolu cwangciso lokutshala imali, njengokuba kuthiwa "abaxhasi bamashishini" ababuyela kumashishini angenakudlwengulo ngelinye ilanga bawasebenzisa esidlangalaleni kwi-IPO okanye bazithengise kumdlali osisiseko kwimarike.
Ezinye iindlela zokufumana inzuzo kwiNkxaso-mali yabancinci
Kukho iindlela ezongezelelweyo zokwenza imali kwi-investments encinci yezoshishino ezihamba ngaphaya kwezinto ezintathu ezisisiseko esele sithethe ngazo. Enye into ekhethekileyo ethandwa kakhulu yintsapho eyisekeleyo yokufumana indawo yokuhlala kwaye iqeshe izakhiwo okanye iipropati kwi shishini. Iinkampani ezininzi ezithengisa ngokugqithiseleyo, eziqala njengezitolo ezincinci zamama nama-pop, zihlala ziphethe iintsapho ezilawulayo zokuqeshisa i- real estate kwi-firm, ukubonelela ngemali yengeniso. Le nto ingaba yinkqubo ehlakaniphile, ukugcina ubutyebi ezandleni zabasunguli bezoshishino endaweni yokuyithumela kubanikazi bezindlu zenkampani yesithathu, ngaphandle kokuba amashishini afanelekileyo kumashishini amancinci; umzekelo, izivumelwano zenziwa kwiimali zentengiso, imimiselo iyafana nezinye, izakhiwo ezifanayo, kunye nesivumelwano sokuqeshisa ixesha lixesha elifanelekileyo. Kukho iindlela eziyinkimbinkimbi zokuyibeka ukuze iintlawulo ezincinane okanye ezingekho nanye zihlawulelwe kule mijelo eminye yemali engenayo, njengokuba isakhiwo esinezicwangciso ezithile zomhlalaphantsi.