Momwe mungasankhire ngongole kubizinesi yaying'ono

Bizinesi iliyonse yomwe ili pamisinkhu yosiyanasiyana ikusowa ndalama zina. Asanapemphe ngongole kubanki, wochita bizinesi payekha ayenera kuganizira mozama chisankhochi ndikuwona ngati angathe kubweza ngongole yomwe wapempherayo.

Kusankha ngongole yabwino kwambiri

Mabanki amapatsa amalonda ngongole zanyumba zonse, ngongole zanyumba zamalonda, ngongole zandalama, makhadi azunguliro, zowonjezera, kapena ngongole zobweza. Kutengera ndi gawo lazomwe mukuchita komanso cholinga chobwereketsa, mutha kusankha ngongole zapabizinesi zamabizinesi azamalonda, ntchito, zaulimi. Mukamasankha ngongole yobwereketsa, muyenera kuganizira momwe bizinesiyo ikuyendera nyengo ndi zina, popeza mabanki payekhapayekha amafikira pakupanga ndandanda wabwezedwe ndikupereka "tchuthi cha ngongole".

Kusankha ngongole yabwino kwambiri

Ngati cholinga chobwereka ndikubwezeretsanso ndalama kubizinesi yaying'ono, ndiye kuti nthawi yobwereketsa sikudutsa chaka chimodzi, kapena kutalika kwa bizinesi imodzi pakampani. Mukamagula katundu wokhazikika: mayendedwe ndi zida, nthawi yobwereketsa singapitirire nthawi yomwe amagwirira ntchito ndi kubweza - zaka 1-5. Ngati cholinga chake ndikupanga ndalama, kuyambitsa projekiti yatsopano ndikugula malo, nthawi yobwereka ndi zaka 5-7.

Kuunika kwa ngongole yomwe ikufunika

Kufunsira ngongole kuyenera kulungamitsidwa osati chifukwa chongofuna kulandira ndalama zobwerekedwa, koma ndi pulani yakukwaniritsa ntchitoyi, yomwe imayenera kulipidwa. Mutha kutulutsanso patsamba la banki. Wamalonda ayenera kuwerengera zoopsa zomwe zingachitike pantchito zamabizinesi, poganizira zomwe akufunsidwa, ndikupangira njira zochepetsera zoopsazi. Bizinesiyo imayenera kubweza ngongole zonse mokakamizidwa, popanda kutulutsa ndalama zaulere pakampaniyo.

Zoyenera kuchita pobwereketsa kwa amalonda payekha

Wobwereka

Mukamabwereketsa mabizinesi aliyense payokha, imodzi mwanjira zofunika kuwunika ndi wobwereketsa ndi kuzindikiritsa wobwereka, popeza ndiye amene amayang'anira ntchito za kampaniyo ndi zisankho zomwe akutenga. Kulemera kwamtsogolo kwa kampaniyo kumadalira momwe amamvetsetsa zambiri pazabizinesi yake, komanso luso lake pabizinesi.

Malangizo othandiza. Musanapite ku banki, muyenera kukonzekera pang'ono. Wobwereketsa ngongole samayang'ana mbiri yakubizinesi komanso mbiri yakubweza ya bizinezi, komanso luso lazamalonda pakubwereka payekha.

Chitetezo

Bizinesiyo iyenera kupereka chitsimikiziro chowonjezera chobweza ngongole. Izi ndi chitetezo:

• katundu yemwe amabweretsa ndalama kwa wochita bizinesi, yemwe amapeza ndi ngongole ya ngongole,
• inshuwaransi ya wochita bizinesi ndi katundu wake,
• Chitsimikizo cha omwe mumachita nawo bizinesi, abale, omwe mumawadziwana nawo komanso mabungwe azovomerezeka.

Monga zowonjezera zowonjezera, mabanki ena amapereka obwereketsa kuti apange mgwirizano wowonjezera ku mgwirizano wamaakaunti aku banki, komwe ndalama zazikulu zimachokera ku ntchito za IP zimalandiridwa.

Malinga ndi mgwirizanowu, banki imodzi, ngati kasitomala aphwanya mfundo za mgwirizanowu, amalemba ngongole yomwe ikuyenera kuchitika, osadziwitsa wobwerekayo. Ufulu woloza mwachindunji amakondwera ndi oyang'anira misonkho akamachotsa zolipira misonkho mochedwa komanso ndalama kuchokera ku akaunti ya wamangawa.

Kuchita bwino pabizinesi ndikuvomerezeka

Ukhondo wazachuma wazamalonda komanso owerengera ndalama moyenera zimawonjezera mwayi wovomerezera kubweza ngongole yantchito. Ndondomeko za bizinesi ya "Gray" komanso kuzemba misonkho zitha kukhala chifukwa chokana, chifukwa salola kuwunika momwe zinthu zilili komanso kuchuluka kwa zomwe kampani ikulipidwa. Sizosadabwitsa, chifukwa banki siyimalipira kugula mipando ya kukhitchini kapena zida zazing'ono zapakhomo.

Ngati muli okonzeka kulandira ngongole pazomwe zanenedwa ndikukwaniritsa zofunikira kubanki, ndikokwanira kulumikizana ndi bungwe lazachuma ndi ngongole ndi zikalata zonse zotsimikizira ufulu wochita bizinesi ndikulemba fomu yofunsira ndalama. Kenako, wobwereketsa adzayendera malo omwe mumachita bizinesi yanu ndikuwunika momwe zinthu zilili pakampaniyo kuti apange chisankho chomaliza pempho.

Banki imapatsa makasitomala ake ngongole zabwino kwambiri, chifukwa chake, choyambirira, ndikofunikira kulumikizana ndi banki komwe akaunti ya wazamalonda imatsegulidwa. Banki imayamika kukhulupirika koteroko ndipo iwonetsa chidaliro kwa kasitomala wake wanthawi zonse popereka mawu osinthasintha komanso chiwongola dzanja chochepa pa ngongole.