Ndi ngongole yochepa kwa mabizinesi chiyani?

ngongole yochepa - ichi amaperekedwa ndi banki kanthawi ndalama, umene inakhazikitsa pa mawu a kukhwima, malipiro ndi alipire. Monga ulamuliro zosiyanasiyana ndi borrowers Kwalamulidwa nthawi imene muyenera ngongoleyo, ndi chiwongola dzanja ndi zinthu ritelo kukongoza amasiyana mfundo za mabungwe a banki ndi anthu. Panopa, ngongole za ku banki yochepa umalimbana makampani ndalama, ogaŵikana ngongole kamodzi, overdrafts ndi kukongoza mu mawonekedwe a sanali zongowonjezwdwa kapena Kukhazikika mukukonzeratu ngongole mzere.

Gawo: makampani angathe kutenga yochepa malonda ngongole, kupereka bungwe banki monga chuma ina madzi, malonda amene zinachitikira sanali kupereka ndalama otengedwa wokongoza akhoza kuphimba kuchuluka ngongole ku banki. Monga chikole cha kampani mwina ntchito zogona kapena malonda malo, magalimoto ndi dziko, makina apadera ndi zipangizo anapangidwa mtsukowo ndalama mankhwala kufalitsidwa.

Overdraft: The akufuna maofesi banki overdraft - ndi yochepa ngongole wosindikiza mabizinesi kuphimba kusowa zosakhalitsa ntchito ndi likulu ntchito mu ndalama dziko mwamphamvu kugwira kuwerengetsera panopa. Panopa overdraft imagwiridwa ntchito malipiro zolembedwa za malipiro pa zotsala za ndalama mu nkhani atsopano a kampani, mwa kuchuluka poyamba anavomera. Ndipo overdraft N'chimodzimodzinso likuvutika ndalama analandira mu nkhani watsopano wa ogwira kasitomala.

Overdraft angayembekezere makampani malonda banga ngongole mbiri. Ganizo la zosiyanasiyana ngongole yochepa ndi bungwe ndalama zimene amapanga chifukwa chosowa ndalama kuti nkhani ya mtengo ogwira-kasitomala m'njira imeneyi nkhani panopa gulu zochepa ndalama kuposa zokuthandizani kupanga malipirowo. Komanso, ndalama bungwe ndalama usapite ku nkhani panopa winayo, dzina limene zafotokozeredwa zikalata malipiro, osati chifukwa cha kampani, amene ali ndi kasitomala banki.

Overdrafts zambiri owomboledwa m'njira yaotomatiki pamene ndalama amatamanda nkhani ya kasitomala, ndi mawu a kukongoza mitundu ngati bwino zinafotokozedwa Mapangano walemba ndi wobwereka ndi wobwereketsayo. Monga ulamuliro, ndi utumiki overdraft zachokera pa kukhulupirira ubale kampani kasitomala ndi woimira banki, kotero wobwereka Sikuti kudzapereka mapangano ngongole nthawi iliyonse pamene kampani sadziwa ndalama.

Ngongole ntchito likulu: Makampani ngongole yochepa mwapatsidwa kuti ndalama zonse za bizinesi mosalekeza. Kudzera ngongole kungakhale kugula zipangizo, zosiyanasiyana zipangizo kubala yomalizidwa mankhwala, yogulitsa kugula mitundu yonse ya zinthu, cholinga cha ndiko akagulitse anayamba.

Mawu mzere: zambiri ngongole yochepa kwa mabungwe malonda ndi wosindikiza kutsegula mzere ngongole. Pankhaniyi, ndalama chikalata kwa kasitomala mu mawonekedwe a tranches munthu pa nthawi yeniyeni ya nthawi, mkati malire poyamba inatchulidwa mu mgwirizano, pamene kuchititsa wapadera zokambirana zina zifunika.

Non-Kukhazikika mukukonzeratu ngongole mzere - ndi mtundu wa crediting, pamene anaika mu bungwe malonda banki, gulu amalandira tranches malire enieni kuchuluka pasadakhale alembedwa mu mgwirizano. Mu nkhani ya mzere Kukhazikika mukukonzeratu wa kampani kasitomala amalandira ndalama tranche, ndipo pambuyo alipire zonse mukhoza kupeza ngongole ndalama watsopano mwa malire anakhazikitsa ndi mawu ondandalikidwa pangano ngongole.