Ungayithenga kanjani imoto ngebhizinisi lakho

Kwesinye isikhathi izinkampani zidinga ukufinyelela emotweni njalo noma ngezikhathi ezithile ukuze zisize amakhasimende azo. Ukuthenga imoto ngaphansi kwegama lenkampani yakho engashayelwa abasebenzi ngokuvamile konga isikhathi nemali yenkampani uma kuqhathaniswa...

Kwesinye isikhathi izinkampani zidinga ukufinyelela emotweni njalo noma ngezikhathi ezithile ukuze zisize amakhasimende azo. Ukuthenga imoto ngaphansi kwegama lenkampani yakho abasebenzi abangayishayela ngokuvamile kongela izinkampani isikhathi nemali uma kuqhathaniswa nokubuyisela abasebenzi imali yokushayela izimoto zabo. Ukuthenga imoto yezohwebo kungathatha isikhashana, kodwa ngokulandela izinyathelo ezilula, ungenza ukuthenga kwakho kwebhizinisi okulandelayo kungabi nengcindezi.

Ingxenye 1 kwezingu-5: Thuthukisa Isikweletu Sebhizinisi Lakho

Isinyathelo sokuqala sokuqinisekisa ukuthi uyakufanelekela ukubolekwa imali yebhizinisi ukwenza isiqiniseko sokuthi amaphuzu esikweletu sebhizinisi lakho angcono kakhulu ngangokunokwenzeka. Njengomuntu ngamunye, amabhizinisi angathola isikweletu ngokukhokha izikweletu zawo ngesikhathi, kungakhathaliseki ukuthi yimalimboleko encane noma ukuthola ikhadi lesikweletu lebhizinisi kanye nokukhokha njalo.

Isinyathelo 1: Faka isicelo semalimboleko encane. Qala kancane futhi uthole imali ebolekiwe yebhizinisi elincane ngokuhlala wenze izinkokhelo zakho zanyanga zonke ngesikhathi. Imali mboleko akudingekile ukuba ibe nkulu, futhi inkampani yakho ingase inikezwe kangcono uma imali mboleko incane ngokwanele ukuthi ungayikhokha phakathi nezinyanga ezimbalwa.

Isinyathelo sesi-2: Thola umugqa wesikweletu. Kufanele futhi ucabange ukufaka isicelo somugqa webhizinisi wesikweletu. Amakhadi esikweletu ayindlela elula yokuthuthukisa isikolo sakho sesikweletu. Vele uqiniseke ukuthi ukhokha ngesikhathi.

Isinyathelo sesi-3: Thola i-EIN. Nikeza ngeNombolo Yesibonakaliso Yomqashi (EIN) yenkampani yakho kubo bonke abathengisi nezinye izinkampani owenza ibhizinisi nazo futhi ubacele ukuthi babike izikolo zakho zesikweletu ze-Dun & Bradstreet noma i-Experian. Lokhu kuzosiza inkampani yakho ukuthi ithole imali ebolekiwe ye-EIN esikhundleni sokusebenzisa inombolo yakho yomuntu siqu yokuphepha yomphakathi.

I-EIN ihlinzekwa nguhulumeni. Isebenza ngendlela efanayo ebhizinisini njengoba inombolo yokuphepha yomphakathi yenza kumuntu ngamunye. Ababolekisi, abahlinzeki, nama-ejensi kahulumeni bazosebenzisa i-EIN yakho ukuhlonza imisebenzi yenkampani ngesikhathi sentela, okuhlanganisa nokuqinisekisa ukuthi inkampani yakho ithenge imoto. Uma usesohlelweni lokumisa ibhizinisi lakho futhi ungakabi nayo inombolo ye-EIN, landela lezi zinyathelo:

• Gcwalisa Ifomu le-IRS SS-4, elisungula i-EIN yenkampani. Ungayithola kuwebhusayithi ye-IRS. Uma kunesidingo, ungathola izinsiza ezingakusiza ukuthi ugcwalise amaphepha akho e-EIN ngendlela efanele ku-inthanethi.

• Ngemva kokuthola i-EIN yakho kumeyili evela kwa-IRS, faka ibhizinisi lakho ohlwini nesifunda sakho, kuhlanganise ne-EIN entsha.

Ingxenye 2 kwezi-5: Lungiselela umnikelo wemalimboleko

Uma usuthole i-EIN yebhizinisi lakho futhi wasungula isikolo esihle sesikweletu, sekuyisikhathi sokwenza isipho semali mboleko yemoto ofuna ukuyithenga ngebhizinisi lakho. Isipho semalimboleko siqukethe ulwazi olunjengokuthi kungani inkampani yakho idinga imoto, ubani ozoyisebenzisa nokuthi ngaziphi izinjongo, kanye nolwazi mayelana nenani lemalimboleko oyidingayo. Lesi sipho semalimboleko sisiza ukukhombisa ababolekisi, kungakhathaliseki ukuthi kusebhange, ngokusebenzisa ababolekisi be-inthanethi noma ngokusebenzisana nabadayisi bezezimali, ukuthi uyiqonda kahle imakethe futhi unamakhono aqinile okuphatha.

Isinyathelo 1. Yenza umnikelo. Qala ukubhala isiphakamiso semalimboleko. Noma yimuphi umbolekisi ofaka isicelo kuye kufanele azi ukuthi kungani ibhizinisi lakho lidinga ukuthenga imoto. Ngaso sonke isikhathi uma umbolekisi eboleka ibhizinisi, kufanele acabangele ubungozi obukhona kanye nokwenzeka kokuthengela ibhizinisi lakho imoto.

Isinyathelo sesi-2: Bhala phansi bonke abashayeli. Futhi, qiniseka ukuthi uyabhala ukuthi ubani ozosebenzisa imoto. Nakuba ukusebenzisa imoto unkosikazi womnikazi webhizinisi kungase kungabi isizathu esanele, kungaba uma engumthengisi ebhizinisini futhi edinga ukuba avakashele amakhasimende mathupha. Cacisa ukuthi ubani ohlela ukuyisebenzisa nokuthi ngaziphi izinjongo.

Isinyathelo sesi-3: Bala ukuthi udinga imali engakanani. Uma ufuna imali ebolekiwe yebhizinisi, ababolekisi kumele bazi ukuthi udinga malini. Kufanele futhi ukhombise ukuthi yimalini onayo njengenkokhelo ephansi yemali mboleko kanye nokuthi unaso yini isibambiso.

• ImisebenziIMP: Esiphakamisweni sakho semalimboleko, qiniseka ukuthi usho amasu okumaketha enkampani yakho kanye nokusebenza kwesikhathi esedlule nesamanje kwebhizinisi lakho. Lokhu kungasiza ukwakha isivumelwano nombolekisi mayelana nokuthi luhle kangakanani utshalomali lulonke lwenkampani yakho.

Ingxenye 3 kwezi-5. Thola indawo edayisa izimoto enengxenye yezohwebo

Bheka umdayisi onomnyango wezokuthengisa ozinikele. Bazoba nolwazi oluthe xaxa ngokudayisela amabhizinisi izimoto, okuzosiza ukuqinisekisa ukuthi ukuthengiselana kuhamba kahle futhi kukunikeze amadili angcono kakhulu.

Isinyathelo 1: Hlola Ukuthengiselana. Cwaninga abathengisi abahlukahlukene endaweni yangakini ukuze uthole leyo exhasa ngezimali futhi idayisele amabhizinisi izimoto. Abaningi babo banikeza izinhlelo ezikhethekile ngisho nezaphulelo zemikhumbi lapho uthenga izimoto eziningi.

Isinyathelo sesi-2: Qhathanisa ama-dealship. Hlola amazinga abo ngeBusiness Business Bureau. Lokhu kungasiza ukususa ama-dealship anezilinganiso ezingezinhle zamakhasimende.

Isinyathelo sesi-3: Cela izincomo. Buza ezinye izinkampani ezinezimoto zenkampani ukuthi zithenge kuphi. Ungakwazi futhi ukusesha ku-inthanethi ukuze uthole izibuyekezo ezivela kwezinye izinkampani mayelana nomthengisi othile.

Isinyathelo sesi-4: Buka Inventory. Hlola amawebhusayithi abathengisi ukuze ubone ukuthi yiluphi uhlu lwezimpahla olutholakalayo nokuthi banalo yini uhlu lwamayunithi ebhizinisi anemininingwane yezinkampani ezithenga izimoto. Kufanele futhi uqhathanise izintengo zabathengisi abahlukahlukene ofuna ukubasebenzisa, futhi nakuba lokhu kungafanele kube yisici esinqumayo, intengo kufanele idlale indima ebalulekile.

Ingxenye 4 kwezi-5. Yehlisa uhlu lwakho lwabakweletayo

Kuzodingeka futhi uhlanganise uhlu lwababolekisi ofisa ukubasebenzisa ukuze unikeze imali yokuthenga imoto. Kufanele usekele uhlu lwakho lwababolekisi kokuthi yiziphi izilinganiso zenzalo abazinikelayo kanye nemigomo yanoma iyiphi imali ebolekiwe. Ukuthola umbolekisi osebenzayo kuyingxenye ebalulekile yenqubo, njengoba umbolekisi kufanele akuvumele ukubolekwa imali. Kungakho kubalulekile ukwenza isiqiniseko sokuthi amaphuzu akho esikweletu alungile ngaphambi kokuya kubabolekisi.

Isinyathelo 1: Thola umbolekisi. Thola ukuthi yiziphi izinkampani ezinikezela ngemali mboleko yebhizinisi. Abanye bababolekisi abadume kakhulu bahlanganisa:

• Amabhange lapho unama-akhawunti ebhizinisi. Bona ukuthi banikeza amanani akhethekile ezinkampanini ezine-akhawunti.

• Ababolekisi be-inthanethi abasebenza ngokukhethekile emalimboleko yezimoto zebhizinisi.

• Umthengisi omkhulu nomnyango wezikweletu.

Isinyathelo sesi-2. Khetha izinketho ezingcono kakhulu. Yehlisa uhlu lube luthathu olunikeza amanani nemibandela engcono kakhulu. Ungalususi uhlu lwakho olukhulu, njengoba ungase ungahlangabezani nokukhetha kwakho kokuqala kwababolekisi.

Isinyathelo sesi-3: Thola izidingo zabakweletayo. Shayela ababolekisi ohlwini lwakho olufushane futhi ubabuze ukuthi yini abayidingayo uma kuziwa kumaphuzu esikweletu nomlando webhizinisi. Zilungiselele uma ungakufanelekeli ukubolekwa imali kumbolekisi ngenxa yesikolo sakho sesikweletu nomlando webhizinisi.

Isinyathelo sesi-4: Phikelela. Uma ukukhetha kwakho kokuqala kungasebenzi nomlando wakho wamanje wesikweletu nowebhizinisi, udinga ukubuyela ohlwini lwakho bese ukhetha okungenani ezintathu ongashaya ucingo. Qhubeka wehla ngohlu uze uthole umbolekisi okunikeza imigomo namazinga enzalo ongaphila naye.

• ImisebenziIMP: Uma ibhizinisi lakho likhona isikhathi eside, cishe ngeke ube nezinkinga ngokuthola imali mboleko yezimoto. Uma inkampani yakho iyintsha futhi ingenawo umlando wesikweletu, kungase kudingeke wenze ucwaningo olwengeziwe ukuze uthole umbolekisi ofanelekayo.

Ingxenye 5 kwezi-5: Ukuqedwa Kwemalimboleko

Isinyathelo sokugcina senqubo yokubolekwa kwemali, ngemva kokuthola imoto noma izimoto ozifunayo, sihlanganisa ukuhambisa wonke amadokhumenti adingekayo. Uma umbolekisi esebuyekeze amadokhumenti akho, okuhlanganisa nesipho semalimboleko, angavuma noma anqabe imali oyibolekile. Uma besamukela imali oyibolekile, okumele ukwenze wukuqeda bese usayina amaphepha ombolekisi.

Isinyathelo sesi-1: Xoxisana ngentengo. Uma usuthole umbolekisi ofanelana nawe, xoxisana ngentengo yokuthenga imoto oyikhethile. Zilungiselele ukwenyusa inkokhelo yakho ukuze uvale umlando wakho wesikweletu.

Isinyathelo sesi-2: Hlela Amadokhumenti. Ngaphezu kwesipho sakho semalimboleko, hlinzeka ngamadokhumenti ebhizinisi lakho, okuhlanganisa ne-balance sheet, isitatimende semali engenayo, kanye nezimbuyiselo zentela zeminyaka edlule. Lokhu kungasiza ukufakazela ukuthi uyingozi ethembekile yekhredithi ngisho nangaphandle komlando omude wesikweletu.

Isinyathelo sesi-3: Bhalisa imoto yakho. Uma ususayine wonke amaphepha afanelekile, qiniseka ukuthi imoto ibhalisiwe nebhizinisi lakho nokuthi wonke amaphepha anegama lenkampani kuyo. Ngokuqinisekisa ukuthi uyakwenza lokhu, ungasiza uma kufika isikhathi sokukhokha izintela zebhizinisi lakho.

Ukufaneleka kokubolekwa kwemoto yebhizinisi kuwujuqu uma unesikweletu esihle futhi unikeze umbolekisi ngesizathu esihle sokuthi kungani udinga ukuthengela ibhizinisi lakho imoto. Ngaphambi kokuthenga imoto yebhizinisi lakho, cela omunye womakhenika bethu abanolwazi ukuthi ahlole imoto ngaphambi kokuthenga ukuze aqinisekise ukuthi azikho izinkinga ezifihliwe.