Kungumkhiqizo owenzelwe noma yimuphi usomabhizinisi noma uchwepheshe futhi, ikakhulukazi, ezinkampanini ezincane neziphakathi nendawo, ngale ndlela, ezinganciphisa umthwalo womnyango wokuphatha, outsource accounting okwenziwe ngokuthengisa kanye nokuqoqwa kwabo, kanye nentuthuko ngosuku olufanele lokukhokhwa kwama-invoyisi, konke lokhu kuzothuthukisa inzuzo, amandla esikweletu kanye nokuxazululwa kwemali yenkampani.
Phakathi kwezinzuzo zokuthola lo mkhiqizo ulwazi olwenziwa ngezikhathi ezithile, olujwayelekile nolubuyekeziwe lwabakweletwayo, ukwehliswa kwemithwalo yokuphatha noma ukwenza kube lula ukubalwa kwe-akhawunti yekhasimende, phakathi kokunye. Ngakolunye uhlangothi, ayikho iphrofayili echaziwe yezinkampani ezisebenzisa lo mkhiqizo wezezimali, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha.
Kunoma ikuphi, akukwazi ukukhohlwa ukuthi lo msebenzi wezezimali ungaba ngenye indlela ekuxhaseni ingxenye enhle yezitolo namabhizinisi aku-inthanethi. Ngokuya ngohlobo lwebhizinisi abalimele. Ini inketho kweminye imikhiqizo yezezimali namabhange okubaluleka okukhetheke kakhulu futhi anganquma impumelelo noma cha ukusebenza kusukela manje kuqhubeke. Njengoba sibhekene nemodeli ethize kakhulu edinga ukuqonda okukhethekile engxenyeni yabasebenzisi bedijithali ngalesi sikhathi.
Ukufaka amaqiniso: izinhlobo zamamodeli emakethe
I-factoring ayiwona umkhiqizo ofanayo, kepha kunalokho inikeza amamodeli ahlukile njengoba uzobona ngezansi. Lapho kunezindlela ezahlukahlukene ze- Ukuqagela kuya ngezinsizakalo ozidingayo noma okweletayo okukhulunywa ngaye. Phakathi kwazo kukhona okulandelayo:
Ukuqagela ngaphandle kokuphindisela, le ndlela inikeza ngezimali, kucatshangelwa ukuthi inkampani ye Ukuqagela ingozi yokungakhokhi izikwelede kwabakweletwayo. Ngokusobala, amanani akule modi aphezulu kakhulu.
Ukuqagela ngokuhlangana, lapho umthengisi ethwala ubungozi bokungakwazi ukukhokha imali, kusukela inkampani ye Ukuqagela ayiphenduli ngokungakhokhelwa komuntu okweletayo. Le ndlela yokuziphatha iyahlukaniswa ngoba akusho ukuthi isekela imali.
Ukuqagela kusuka ekuthumeleni, uma kukhulunywa ngokusebenza okwenziwa ngabakweletayo abahlala phesheya. Kuzuzisa ikakhulukazi izinkampani ezithumela kwamanye amazwe kanye nama-SME angenayo ingqalasizinda enkulu, ngoba ibandakanya izinsizakalo zokukhishwa. Ngefayela le- Ukucabanga, ukuthekelisa cishe kucishe kuthengiswe kuzwelonke, ngoba konke okumele ukwenze ukuthumela izimpahla, kanti okunye kusingathwa yinkampani yokuthumela izinto. Ukwenza amaqiniso.
Kulolu hlobo lomsebenzi wezomnotho, kusengaphambili akwenziwa ngokujwayelekile lapho izimpahla ziyimikhiqizo ekonakalayo.
Usebenza kanjani lo msebenzi
Umehluko omkhulu phakathi kokungafaki usizo nokwenziwa kabusha kwamarekhodi ukuthi, ngenkathi kufakwa emaphepheni okungasetshenziswanga, into leyo iba sengcupheni yokwehluleka ukwenzelwa yikhasimende noma okweletayo futhi ngeke ikwazi ukumelana nomnikezeli uma kwenzeka odlulisayo ehluleka ukukhokha imali. Ukuthatha isinqumo sokuhlolwa kokuqashwa kwakho noma, kunalokho, ngokwenqatshwa kwanoma yisiphi isimo. Ngoba imodeli yezezimali engenye yezimali eqondiswe kangcono ezinkampanini ezincane neziphakathi nendawo. Futhi ikakhulukazi kulabo abasuselwa kolayini bebhizinisi abaxhunyaniswe nezentengiselwano ze-elektroniki, noma ngabe banjani futhi baphathwa kanjani.
Ngenkathi ngakolunye uhlangothi, kuyadingeka ukugcizelela ukuthi lona wuhlelo olukhuthazwa ikakhulukazi kolayini bebhizinisi ngokuqinisekile oluxhunyaniswe nemisebenzi yedijithali. Isibonelo, izitolo eziku-inthanethi noma amabhizinisi kweminye imikhakha efanelekile. Kusuka lapho ungasebenzisa khona lo mkhiqizo wezezimali ngochungechunge lwezimo eziqonde ngqo nalezo ezingekho kweminye imigqa ejwayelekile yezimali noma ejwayelekile.
Izinzuzo ekuqashweni kwakho
Lo mkhiqizo uhlinzeka ngochungechunge lwezinzuzo kubafakizicelo bawo futhi sizozama ukuwafingqa ngesibonelo. Ukuze ngale ndlela, laba bantu bakwazi ukuhlaziya ukuthi ukuqasha kwabo kulula yini noma cha kusukela manje kuye phambili nokuthi kungenxa yazo zonke izinhloso zabo eziseduze kakhulu. Njengakulezi zimo ezilandelayo esizozichaza ngezansi:
Okunye okubaluleke kakhulu ukuthi azikho izikweletu ezenziwayo. Ekupheleni kosuku, empeleni kungukushintshaniswa kwamalungelo okuqoqa phakathi kwenkampani edlulisa imali nebhange, ngakho-ke akukho zikweletu ezenziwayo kunoma yisiphi isikhathi esivunyelwe ekusebenzeni.
Ukuphathwa kokuqoqwa kwemithombo
Njengoba kungeke kube kuncane kuleli cala elithile, singacabanga ukufaka izinkonzo njengenkonzo yangaphandle ukwenza izinqubo zokuqoqa. Lokhu kusho ukuthi inkampani akudingeki yabele noma yiziphi izinsiza kulolu hlobo lokusebenza. Futhi-ke ungafaka yonke imizamo yakho ekukhiqizeni nasekuthengiseni.
Izinzuzo zomkhiqizo
Lokhu okunye okuphathelene nokuphathwa kwezezimali kunikezela ngochungechunge lwezinzuzo kunoma ngubani okuqashile, njengalezi ezibekwe ngezansi:
- Yehlisa umthwalo wokuphatha futhi yenza lula izinqubo zokusebenza.
- Nciphisa umsebenzi wezikhundla, onikela kakhulu ekwehlisweni kwezindleko zokuphatha, ezabasebenzi nezokuxhumana.
- Kwenza kube lula ukubalwa kwe-akhawunti yekhasimende, kukhuphule ukusebenza kahle kokuphathwa kweqoqo.
- Inikeza imininingwane yezikhathi ezithile, ejwayelekile futhi evuselelwe kwabakweletayo.
- Iguqula imisebenzi yokuthengisa ngesikweletu ibe ukuthengiswa kwemali.
- Gwema ubungozi bezikweletu ezimbi ngenxa yezikweletu ezimbi.
- Inikeza ukwakheka kwezezimali kwenkampani ngokuqina okukhulu.
- Ivumela ukuhlelwa komgcinimafa okwandisa ukugeleza kwemali.
- Kwandisa amandla wezezimali futhi kuthuthukisa nezilinganiso zezikweletu.
- Ngokombono wokuhweba, ithuthukisa isikhundla senkampani esincintisana nabo namakhasimende, iyivumele ukuthi ikhulise imakethe yayo.
Umehluko phakathi kokuvumelanisa nokwenza amaphuzu
Ukuqinisekisa, ngasohlangothini lwayo, nakho kuyithuluzi lokuxhasa ngemali, kepha kulokhu amacala awatholwa ngokombono wenkampani. Ngamafuphi, uma ukufakwa emafayilini kwakuyinsizakalo yokukhokha ezinkampanini, ukuqinisekisa ukuthi kuyisevisi yokukhokha kubahlinzeki benkampani.
I-Factoring yisevisi enesivumelwano sokuqoqa amanothi ezethembiso; Ngenkathi ukuqinisekisa kuyisevisi enenkontileka yokukhokha izikweletu kubahlinzeki, kufingqwa itafula langaphambilini ngamanye amagama, kungashiwo ukuthi:
Ukubekwa kwamafayili kuvunyelwene ngenhloso yokuthola ukuthi inkampani iyimali engakanani; ngenkathi kuqinisekiswa kufuna njengenhloso yokuthi abahlinzeki yibo abathola izinsizakusebenza.
Eqinisweni, yikhasimende elinquma ukulindela i-invoyisi. Ekuqinisekiseni, futhi yinkampani uqobo enquma ukuvumela abahlinzeki bayo ngokubanika ithuba lokuqoqa ama-invoyisi abo kusengaphambili.
Ngaphezu kwalokho, ngokuqinisekisa, ukuqoqwa kwama-invoyisi akhishwa ngabakweletayo kuyaqinisekiswa futhi namandla okuxoxisana athuthukiswa nawo - kulula ukufinyelela izivumelwano nabaphakeli ngoba baqinisekisile ukukhokha.
Omunye umehluko omkhulu phakathi kokufaka amafayili nokuqinisekisa ngukuthi, yize okokuqala inkampani ibone inzuzo yayo iphazanyiswa yikhomishini ebekwe yibhange ngokuqhubekisela phambili ukukhokha, ekuqinisekiseni ukuthi akukho zindleko ezikhona ngayo - noma ngomqondo wokunikezwa umugqa wesikweletu noma kumqondo wokuphathwa kwemali.
Ukumbozwa kwengozi yokuchithwa kwemali
Enye yezinzuzo zalo mkhiqizo wezezimali ezinkampanini ezincane nezisemaphakathi ncamashi nalokho okuhlobene nokutholakala kwengozi yokungakhokhi imali kusukela icabangela ukufakwa okungu-100% kwengozi yokungakhokhi imali kusuka kubathengi abahlukanisiwe. Ngokwehluleka ukukhokhela izikweletu kuyaqondakala: ukumiswa kwezinkokhelo, ukuqothuka, ukuba khona kokuqothuka kwangasese kwababolekisi, ukuvalwa noma ukumiswa komsebenzi. Ngakolunye uhlangothi, ukumbozwa kwengozi yokuhluleka ukukhokhela izikweletu akucabangi ngamacala kanye nokungahambelani kobuchwepheshe bezentengiselwano.
Enye yezinzuzo zayo ezifanele kakhulu isuselwa eqinisweni lokuthi libhekele ukuphathwa kwezikweletu ezingakhokhiwe, lithathe izinyathelo zokuqala ukuthola izimbangela zokungalandelwa komthetho futhi zidluliselwa kwiklayenti, esimweni sokuthi umsuka wesivumelwano. Ngale ndlela, izinqubo zokwazi izimbangela zokungakhokhi zidluliselwe futhi, uma zibangelwa ukwehluleka ukukhokha izikweletu komthengi (okweletayo) futhi ukumbozwa kwalokhu kwenziwa isivumelwano, ibhizinisi eliphethe ukuhlinzeka lo mkhiqizo lizo lowo oqala izinqubo zokwahlulela ezifanele.
Izindleko zamaqiniso
Izinsizakalo ezinikezwa yi Ukuqagela zimelela izindleko noma intengo okufanele uyanelise njengomsebenzisi wamasevisi ashiwo; izindleko zakhiwe ngezinto ezimbili ezinqumayo:
Imali ekhokhwayo, yezinsizakalo zokuphatha ezenziwa yinkampani Ukucabanga, Kuyahluka ngokuya ngesikhathi sokukhokha kwama-invoyisi.
Izinga lenzalo, elizosetshenziswa lapho kusizakala isimo sokuziphatha esifaka phakathi ukuqhutshwa kwezimali. Kodwa-ke, izindleko ziyahlukahluka kuye ngesimo semakethe (ngokususelwa ku-Euribor yezinyanga ezi-3 kanye nokusabalala; isilinganiso senzalo sokugcina sibuyekezwa njalo ngenyanga) kanye nobungozi obuthathwa yinkampani emaketha lo mkhiqizo wezezimali.