Zachidziwikire, pakadali pano imodzi mwamabizinesi omwe akutuluka akuyimiridwa ndi ecommerce. Koma ngakhale kuli kotsika mtengo kuchita izi pochita, sizowonjezera. Osachepera pang'ono. Ngati sichoncho, m'malo mwake, muyenera kutero sonkhanitsani ndalama zokwanira zakuthupi, chitukuko chamakampani komanso mwayi wopeza ogulitsa. Ndipo kuti mlanduwo uchulukitsidwa ngati pali ogwira ntchito pakampani yathu.

Monga tawonera, pali ndalama zingapo zomwe zimayenera kukumana mosapeweka. Pang'ono ndi m'makampani akuthupi, koma izi ziyenera kukhazikitsidwa munthawi yochepa kwambiri. Njira yabwino yothetsera nkhaniyi ndikukhala ndi okwanira osadalira njira zina zomwe pamapeto pake zitha kukhala zodula. Zonse zandalama zomwe zachitika komanso chiwongola dzanja chomwe chimapangidwa ndi mtundu uwu wa ntchito za ngongole.

Chifukwa ndizowona kuti pamapeto pake chinthu chokhacho chomwe tidzakhale nacho ndikupita ku mzere wa ngongole zomwe mabungwe azachuma ndi ngongole amapereka pakadali pano. Koma zitenga ndalama zingati kusaina kugwira ntchito kwa izi? Tiyesa kufotokoza momwe ngongole zomwe zimathandizira pamsika komanso zomwe cholinga chake ndi kukhazikitsa ecommerce kapena commerce yamagetsi.

Kulipira ndalama pa ecommerce

Njira zopezera ndalama anthu payekha zimadziwika kwambiri chifukwa sichapezekanso pafupipafupi. Mulimonse momwe zingakhalire, mumaperekedwa ndi njira zingapo kuti izi zithandizire pakukula kwa bizinesi yadijito, kaya ndi mtundu wanji komanso zopangidwa, ntchito kapena zinthu zomwe mumapereka kwa makasitomala kapena ogwiritsa ntchito.

Pakadali pano, ziyenera kudziwika kuti muli ndi magwero angapo azachuma. Palibe ngakhale m'modzi momwe mungakhulupirire poyamba. Kuchokera pamizere yachikhalidwe mitundu ina yamakampani a digito. Ndi zinthu zomwe zimasiyana mosiyanasiyana kuchokera pamitundu ina. Zonsezi pokhudzana ndi chiwongola dzanja chomwe chimagwiritsidwa ntchito ndi zinthu zandalama komanso njira zobwezera ndalama ndi mabungwe awo kapena ndalama zomwe amawononga pakuwongolera kapena kukonza.

Mulimonsemo, tikupatsani kuyambira pano zomwe ndizomwe mungapezeko ndalama zomwe mungapite kukakwaniritsa zosowa zamaluso zomwe muli nazo. Mudzawona kuti zina ndizochilendo, koma zina zimakopa chidwi chanu chifukwa cha momwe amachokera komanso luso lawo pofalitsa. Ngakhale mukusamala kwambiri pazomwe munganene popeza kuwopsa ndi zokonda zomwe zimaganiziridwa mukamazichita nthawi zambiri zimakhala zankhanza.

Kuyamikira kwa ICO

Ndizofunikira kwambiri pazokomera zanu pazifukwa zina chifukwa ndi zomwe zimakuwonongerani ndalama zochepa pobwezera. Mkati mwa njira zopezera ndalama yoperekedwa ndi Official Credit Institute, pali wina wodzipereka kwa ogwira ntchito odzilemba okha kumakampani omwe akuyamba bizinesi yawo, pamenepa ndi omwe amachokera ku digito.

Chovuta chachikulu pakulembetsa pamtunduwu pazandalama ndikuti zimafunikira zofunikira zomwezo ndalama zakabanki zachikhalidwe. Ndiye kuti, simulandila phindu lina pakuloleza kwake. Ngakhale pamapeto pake mudzapeza chiwongola dzanja chotsutsana kwambiri ndi inu, gawo limodzi mwamagawo khumi azotsika poyerekeza ndi ngongole kubanki yakale.

Ndalama kudzera m'mabanki

Imeneyi ndiyo njira yosavuta kwambiri kuposa zonse, koma itha kutenga ndalama zambiri kuposa mafomu ena azachuma. Zili ndizotsutsana nazo, kuti adzafunsira zofunikira zambiri: kuwonetsedwa kwa polojekiti, maakaunti akatswiri komanso nthawi zina chitsimikizo cha iwo eni. Monga momwe mungafunire chitsimikiziro cha kugulitsa nyumba kapena malonda anu pazinthu zamagetsi kapena zina.

Kumbali inayi, chiwongola dzanja chomwe angalembetse pazinthu zachumazi chitha kufikira milingo mpaka 9%. Kwa izi tiyenera kukhala ndi ma komisheni ndi ndalama mu kasamalidwe ndi kasamalidwe kamene kangakulitse mtengo wake wotsiriza mpaka 3% yowonjezera. Pakati pa mitengoyi, kuchotsedwa koyambirira, kugonjetsedwa kapena ntchito zina mu kirediti kadi kumaonekera.

China chomwe muyenera kuganizira ndi nthawi yakukhazikika kwamakalasi awa omwe amayenda mosiyanasiyana kuyambira miyezi khumi ndi iwiri yokha mpaka pafupifupi zaka 10. Komwe mumakhala ndi dongosolo lokhazikika mwezi uliwonse pakakhala chiwongola dzanja chokhazikika komanso peresenti ya ndalama zomwe sizinaperekedwe pamlingo wosiyanasiyana.

Ndi njira yosangalatsa kwambiri ngati mumadziwa kukambirana ndi kampani yanu yangongole ndikupeza zinthu zabwinoko pakulemba ntchito. Kuphatikiza apo, ndi njira yomwe ingapezeke kwa onse amalonda ang'onoang'ono komanso apakatikati pantchito yadijito. Ndi zotsatsa zomwe zili zoyipa kwambiri ngakhale zimasunga nthawi mumawailesi awo.

Njira inanso ndiyo yomwe imaperekedwa ndi mabungwe omwe siabanki ndipo imaphatikizidwa pamapulatifomu azachuma a eCommerce yanu. Ndi mitundu yosinthasintha pazosowa zanu ngakhale kuti imabweza imapanga zokonda zambiri kuyambira pachiyambi.

Chimodzi mwazopereka zawo ndikuti satenga mtengo uliwonse. Zochepa chabe ndizofunikira kuti mudziwe zambiri za bizinesi yanu. Mpaka kuti nthawi ina kubwerera kwanu kungayimire zovuta zingapo.

Zothandizira maboma ndi zigawo

Ubwino wake umachokera poti amapatsidwa kudzera munjira ziwiri: m'boma komanso zigawo. Chaka ndi chaka amapatsidwa ndalama zambiri zomwe sizingabwezeredwe, ndikomwe mungakwaniritse zofunikira zingapo zomwe zimasiyanasiyana kutengera mtundu wa thandizo lomwe mukufuna kuyambira pano. Kumbali inayi, komanso monga zachilendo, palinso zothandizira azimayi azamalonda komanso omwe sanakwanitse zaka 35 kumadera ena odziyimira pawokha, mosasamala kanthu za ntchito yomwe yayambitsidwa.

Nthawi zonse, lingaliro labwino kwambiri ndikuti mudzidziwitse chifukwa cha mitundu yazandalama, mtundu wa thandizo kapena subsidy, mutha kugwiritsa ntchito mwayiwo pakadali pano kuyambitsa bizinesi kapena sitolo yamagetsi. Makamaka kudziwa ngati zikugwirizana ndi bajeti yanu kapena akatswiri. Mulimonsemo, itha kukupatsani tchuthi musanapemphe ngongole kubanki yanu wamba.

Ichi ndiye mtundu wokhutiritsa kwambiri pazofuna zanu komanso ukadaulo waukadaulo momwe mungathere ndikuvomerezedwa. Ndikutenga zinthu zomwe zimakhala zofewa nthawi zonse kuposa njira zina zachuma zantchito yamagetsi. Kumene mungasunge ndalama panthawi yomaliza ntchitoyi, mwa chidwi komanso m'makampani komanso ndalama zomwe mumayang'anira ndi kukonza.

Kuchulukana

Izi njira yatsopano yopezera ndalama Yakhala mtundu wopangidwa mwaluso kwambiri kuposa zonse ndipo yakhala ikudziwika. Awa ndi mabizinesi azinsinsi omwe, kudzera mwa nsanja ya pa Intaneti Amapereka ndalama zothandizira ntchito zamtundu uliwonse, ndipo panthawiyi zimasungidwa kuma projito kapena mabizinesi. Kaya ndi mtundu wanji komanso mtundu woyang'anira. Chifukwa kumapeto kwa tsikulo chomwe chikukhudza ndikuti mumakhala ndi ndalama zochepa zogulira ntchitoyi kuyambira pano.

China chomwe muyenera kuwunika mukamafotokoza zomwe zimatchedwa kuti kuchuluka kwa anthu ndikuti zimakupatsani mwayi wopeza ndalama zochepa kuyambira pachiyambi. Chifukwa ndi ndalama zenizeni kwa makampani kapena mapulojekiti ndipo zimadziwika koposa zonse pokhala mtundu wosiyana ndi ena onse. Kumene kumakupatsani mwayi wopeza ndalama ndi anthu azachuma osagwiritsa ntchito banki kapena mabungwe ena azachuma. Ndipo pomwe zowopsa ndi chidwi chomwe chimaganiziridwa mukamachita izi ndikupeza kuti sichimazunza kwambiri.

Makina ake ndizofunikira makamaka poti osunga ndalama amasankha ngati adzagulitsa ndalama kapena osati mu projekiti yanu. Ichi ndichifukwa chake nthawi zambiri zimapezeka mosavuta kumakampani omwe sanakhazikitsidwe mokwanira m'gululi, koma kuti nawonso amapereka kumatsimikizira kuti kuchotsera. Koma komwe ndalamazo zimachokera kwa osunga ndalama payekha ndipo sizimachokera ku mabungwe aliwonse aboma kapena wamba.

Mbali inayi, ziyenera kukumbukiridwanso kuti pakhoza kukhala njira zina zopezera ndalama zomwe zimakhazikitsidwa m'njira zosiyanasiyana. Mwachitsanzo, njira zina zopezera ndalama zomwe zimapereka mwayi wopezeka ndi makampani. makampani osalipira ngongole zomwe zimapereka ndalama zachinsinsi. Koma nthawi zambiri pamakhala chiwongola dzanja chambiri. Mpaka pomwe atha kupitilira magawo 20%. Ndiye kuti, ndiwo obwereketsa achikale omwe zokonda zawo zimadalira chiwongola dzanja polingalira zakomwe zingakupatseni nthawi. Chimene chiri cholinga chake chachikulu.