La incazelo ye-factoring Kuwumongo obalulekile ezinkampanini ezidinga ukuxhaswa ngezimali. Kulokhu, inqubo ehlobene nebhizinisi kufanele icatshangelwe futhi amaphuzu anethonya kufanele acatshangelwe, azochazwa kabanzi kulolu lwazi.
Ukulethwa kwama-invoyisi okuxhaswa ngezimali
Incazelo ye-factoring
Kuyinqubo evumela ukuxhaswa ngezimali kwenkampani, kusukela ekutholeni isikweletu, okuye kwaqhutshwa kusukela ekusungulweni kwenkontileka esekelwe ekulethweni kwama-invoyisi yinkampani ukuze ithole isinxephezelo ngokushesha. . Okusho ukuthi lezi zinkampani zizoyithola imali ngokushesha, kodwa kufanele kuqashelwe ukuthi zifaka isaphulelo
Ngakho-ke, ama-invoyisi aboniswa yinkampani yilawo avuna izinhlobo ezahlukene zokusebenza ekwenzile maqondana nokukhiqizwa ekwenzayo. Iphuzu elilodwa elicatshangelwa ukuthi uma uthengisa ngesikhathi esithile, lokhu kubonisa ukukhiqizwa kwekhredithi enikezwa ngokuvuna inkampani, ewusizo olukhulu ekusebenzeni kwayo kwezohwebo.
La incazelo ye-factoring Kuphinde futhi kufaka phakathi iqiniso lokuthi bethula inani lezinsizakalo ezingase zibe khona, phakathi kwazo okulandelayo okugqamayo:
- I-factoring engenakho ukusabela, esekelwe esenzakalweni lapho inkampani ingathobeli inkokhelo ehambisanayo, khona-ke inkampane ephethe indawo yezimali kufanele ithathe leli qiniso.
- Ingozi yokushintshisana ivezwa esimweni lapho ama-invoyisi alethwayo engaphansi kokusetshenziswa kwezimali zakwamanye amazwe.
- Umsebenzi ophathelene nokuphathwa kweqoqo kanye ne-factoring enenzuzo, esimweni lapho umuntu ophethe ukukhokha isabelo engakwenzi, nguyena okufanele afake ubungozi ngokuphathelene nokulingana.
- Uma ikhredithi isivele yenziwe yasebenza, ukuqoqwa okufanayo kuyenziwa
- Thola izeluleko endaweni yezezimali neyohwebo mayelana nalabo abanezikweletu
Ngakho-ke, ngokuvamile amabhizinisi asekelwe ekuxhaseni ngezimali enza inqubo yokwenza izinto ehambisana nesicelo, njengoba angathathi ingozi yokubonisa okuzenzakalelayo kwebhizinisi lawo. Ngokuvamile, le misebenzi yenziwa ukuze kulindelwe isamba sekhredithi esinikeziwe.
Izindleko
Iphuzu elilodwa okufanele licatshangelwe ukuthi ukusebenza okunikezwa njengencazelo ye-factoring kunezindleko emkhakheni wezezimali obaluleke kakhulu, njengoba izinhlangano ezifeza ukusetshenziswa kwamakhomishana kunqubo ngayinye eyenziwayo nazo ziphikisana nokuphikisana. intshisekelo yokulinda amakhredithi, aphinde ahlanganise izindleko zezinhlobo ezahlukene zezinsizakalo ezibathintayo.
I-Factoring iqinisekiswa kuphela enkampanini enamandla ezezimali, uma kunezinkampani ezincane kakhulu, kuzodingeka ukuthi kuboniswe isivumelwano nenkampani enkulu eneminikelo edingekayo, ukuze iphathwe phakathi nesikhathi esimisiwe. ngenkokhelo.
Ngakho lapho inqubo yenziwa, inkampane ethola amakhredithi ibizwa ngokuthi isici, esiphethe ukukhokhela inkampani ebizwa ngokuthi umemukeli, lokhu kwenziwa ngokushesha lapho inqubo yokuqoqa iqala.
Izinzuzo nokungalungi
Ukusebenza ngokuvamile kunikeza izinzuzo ngaphezu kokuthola imali ebolekiwe, njengoba kunamasevisi amaningi athonya inqubo ngokuvamile enikeza okuvelele njengezinzuzo. Phakathi kwazo kukhona amaphuzu alandelayo:
- Ibhizinisi emkhakheni wezezimali linikeza ukwesekwa okuvela esikweletu esinikezwe amakhasimende ngokuqondile futhi lenza imisebenzi yeqoqo okufanele liqoqwe.
- Amathuba okuthola ulwazi oluphelele mayelana nezinqubo ze-solvency ezinikezwa iklayenti elithenga amakhredithi anikeziwe
- Yenza iqoqo, kucatshangelwa inani lezinqubo okufanele zenziwe maqondana ne-invoyisi ngayinye elethiwe.
- Iqinisekisa ukuthi inkampani ikhombisa ubuhlongandlebe obuncane, kube inzuzo ephezulu
Ngakolunye uhlangothi, kufanele futhi bacabangele izici ezingezinhle ezingavezwa ukusebenza kwe-factoring, okungokulandelayo:
- Inezindleko eziphakeme kakhulu uma kuqhathaniswa nezinye izinhlobo zezinqubo okumele amakhasimende azenze
- Ingozi yokuba ne-resource factoring engaholela ekulahlekelweni emkhakheni wezezimali
- Bangakwazi ukukhawulela maqondana nokukhethwa kwamakhasimende, okubangela izinkinga ngokujwayelekile ngoba banokuxoxisana okuncane okungavumeli ukuthi izinqubo eziphathelene nokukhokha zingasebenzi kahle.
Lapho inkampane nenkampani benza lezi zinqubo, kubalulekile ukuthi zazi kokubili izinzuzo nezingozi ezibonisayo, ngoba ngeke kuhlale kulula ngabo ukukusebenzisa, kodwa ngokuvamile lokhu kuwumsebenzi abawudingayo ukuze basize. isimo sabo sezezimali. Ngendlela efanayo, kuyaphawuleka ukucabangela amaphuzu ashiwo ngenhla.
Ukuzinza kwenkampani nakho kungatholwa ngokusetshenziswa kwezindlela ezahlukahlukene, sincoma ukuthi ubone mayelana amasu ebhizinisi
Ukubaluleka
Enkampanini, kuyaphawuleka ukuthi indawo yayo yezezimali izinzile, yingakho idinga ulwazi lwencazelo ye-factoring, ngoba lokhu kuzovumela ukuthi ibonakale ilinganisela ngoba izibalo ezidingekayo zenzelwe i-solvency ephumelelayo. Inzuzo ehlinzekayo ngokutshalwa kwezimali okwenziwe ingenye yamaphuzu abaluleke kakhulu, yingakho lolu hlobo lwenqubo luvame ukusetshenziswa.
Esimweni lapho kwenziwa i-factoring ene-resource, lapho-ke ngeke kube khona ukwanda okukhulu kwezikweletu nezinhlangano zamabhange, leli iphuzu elinikeza izinzuzo ngokujwayelekile ezinkampanini, futhi ngenkathi zisebenzisa lokho ezingakwenzi. Ukuthola usizo, umthamo wezikweletu uzokhuphuka, kube iphuzu elibalulekile ukwazi nokusebenzisa ngesikhathi esidingekayo, ngoba ezimweni ezithile lezi zinzuzo zingadingeka.
Njengoba ngezikhathi ezithile inkampani ngokwayo kufanele iveze ubungozi obuthile maqondana nabakweletayo, ukusetshenziswa kwe-factoring ethile kungadingeka, ngakho-ke, ulwazi oluningiliziwe ngayo luzovumela ukuthi lucutshungulwe ngendlela efanele, kugwenywe zonke izinhlobo zobunzima. kanye nezinkinga zesikhathi esizayo.
Ulwazi lolwazi jikelele mayelana nesimo sezimali senkampani luyadingeka ukuze wazi ukuzinza kwayo nokuthi yiziphi izenzo okufanele zenziwe, uma ufuna ukwazi okwengeziwe ngazo, kunconywa ukuthi ufunde mayelana amortization