Ukubolekwa kwemali ukuze osomabhizinisi kanye ukuthuthukiswa kwamabhizinisi amancane

Ukubolekwa ingenye amathuluzi ebaluleke kakhulu inqubomgomo isimo ukuthuthukiswa kwamabhizinisi amancane. Esimweni lapho osomabhizinisi ngabanye kudingeka izimali sokuthuthukiswa imisebenzi yebhizinisi, bangase zisebenze izimali ezahlukene, manje zidalwe okuningi, kanye namabhange loan. Kodwa kufanele kuphawulwe ukuthi lolu hlobo abolekise has ezinye izici.

Okokuqala, kufanele silinake ngokungathí yokuthi, njengoba umthetho, emalini ebolekwe ezifana amazinga ziphakeme kunezindlela amazinga for evamile kithi umthengi sokubolekwayo.

Okwesibili, ukubolekisa ngoba un ungenisa eside kakhulu futhi ukunakekela ngokucophelela ukuze isifundo eyethulwe imibhalo isicelo. Lokhu kungenxa yokuthi amabhange abolekise imali zihlanganisa ukubolekisa wamabhizinisi amancane imisebenzi nge izinga eliphakeme lobungozi kwezomnotho.

Okwesithathu, ukuthola imali-mboleko, usomabhizinisi ngamunye kuyodingeka akhiphe bese uhambisa ekusungulweni umbolekisi isethi olukhudlwana kwemibhalo, isibonelo, kuka esimweni umthengi credit.

Inani lemali loan, okuyinto ongabala usomabhizinisi ngamunye, izonqunywa yasebhange ngayinye, kodwa kuncike ngenxa yezizathu eziningana, labo eziyinhloko:

- noma ngabe umfakisicelo isevisi ebhange inikezwe;

- Iyini ingqikithi Umlando wokukhokha kwemali yomfakisicelo kanye, ikakhulukazi, indaba kule yasebhange esithile;

- ngaphansi iphrojekthi kuyinto isicelo loan.

Iningi imali ebolekiswayo ebhange ukuze osomabhizinisi njengoba isikhathi esiphezulu ngoba elikhiphe Ikhredithi iminyaka emithathu. Kubalulekile ukwazi ukuthi zikhona izinhlelo zikahulumeni eziningana ukuthi ukunikeza ukubolekisa oyithandayo ngoba amabhizinisi amancane ngaphansi amaphrojekthi ezithile, kodwa kulokhu, credit kungaba kwenziwe kuphela amabhange ezifakwe kulolu hlelo.

Amabhange nezimali ukunikeza izinhlobo eziningana kanye nezindlela osomabhizinisi evuma.

Microcredit sihlinzekela isicelo kohlelo lula, owawuthi loans kunikeziwe un. Leli cebo simele inqubo okulinganiselwe credit ngesisekelo isivumelwano phakathi kwenhlangano kanye usomabhizinisi ayemkweleta. Ngaphezu kwalokho, phakathi kohlaka izinqubo micro-credit ingasetshenziswa, nezinye izindlela, phakathi okuyinto ethandwa kakhulu namuhla credit ukuze zimboze overdraft, isiqinisekiso ebhange. Kabanzi amabhizinisi amancane uthole Leasing kanye kahle, ukwabiwa kwezimali for ukuthengwa kwezimoto, imishini ngisho ezingeni replenishment imithombo zamanje. Kwezinye izimo, ukubolekisa ngoba un kuyatholakala ukuze kuthengwe ingcebo.

Imali njengoba uhlobo abolekise, kukhona inketho inzuzo ngempela ngoba osomabhizinisi, ngoba ngokungafani kuya idiphozithi yanoma izinhlangano ezingokomthetho lapha kungenzeka ukususa yonke imali ababeyitholile idiphozi phambi eside. Ngaphezu kwalokho, idiphozi izikweletu ukuze un ukulawuleka, kuhlanganise esebenzisa izinhlaba kufinyeleleke nge-Internet.

Kwemali Foreign ukubolekisa ayatholakala, izimfuno zazo ihlobene isidingo ukuthenga izimpahla kwamanye amazwe. Ukuze uthole imalimboleko esinjalo, usomabhizinisi kufanele ukuvula akhawunti izimali zakwamanye amazwe futhi isivumelwano ne ebhange. Buhle lokhu kubolekisa kumabhizinisi ukuthi akudingekile ukuba unikeze imininingwane yasebhange iphrojekthi futhi ithethelele lwemali wenzuzo. Ngesikhathi esifanayo futhi ukubaluleka lwemali uthenge akugcini.

Ngakho, kuze kube manje, amabhange kanye nezimali ukwazi ukunikeza osomabhizinisi ngabanye ngempela anhlobonhlobo imikhiqizo credit ukuthi bayakwazi ukuqinisekiswa ukuthuthuka okusimeme emhloleni amabhizinisi amancane.