Zonse za capital capital

Ndalama zogwirira ntchito masiku ano zovuta kumvetsa ndi makampani ena. Podziwa kuti bizinesi ili ngati locomotive, imafunika mafuta kuti ipite patsogolo. Ndalama zogwirira ntchito ndiye izi mafuta omwe kampani ikufuna.

Ndi iye amene amapereka mwayi kwa kampani kupanga mtengo ndi kupitiriza kukhala. Tili ndi mtundu wamagalimoto omwe amadya kwambiri kuposa ena, nthawi zina amawonongeka.

Ndi chinthu chomwecho ndi mabizinesi. Ngati simukufuna kuti gasi atha pakati pa msewu kapena mukuwonongeka, muyenera kuyang'ana zomwe mwapeza. Zofunika ndalama.

M'nkhaniyi tikukuuzani zonse zokhudza ndalama zogwirira ntchito (FR). Koma tisanayambe, apa pali momwe mungachotsere ngongole?

Tiyeni tizipita!!

🌿 Kodi Capital Working ndi chiyani?

FR ndiye kuyeza kolondola kwa thanzi lazachuma komanso magwiridwe antchito akampani. Imayimira kuchuluka kwazinthu zomwe kampani ikuyenera kulipirira pakanthawi kochepa komanso ntchito zatsiku ndi tsiku.

Katundu wamakono kuphatikizirapo ndalama, maakaunti olandilidwa (ndalama zobwerekedwa kubizinesi ndi makasitomala ake) ndi zosungira (katundu wogulitsidwa).

Koma, mangawa akanthawi kochepa, omwe amadziwikanso kuti ngongole zapano, kumaphatikizapo maakaunti oyenera kulipidwa (ndalama zomwe kampani ili ndi ngongole kwa oipereka), malipiro ndi malipiro, ndi misonkho. Ndalama zogwirira ntchito zimawerengedwa ngati kuchotsa mangawa omwe alipo pakali pano.

Un RF positive zimasonyeza kuti kampani ili ndi katundu wokwanira kuti ikwaniritse zofuna zake kwakanthawi kochepa komanso kulipirira ntchito zake. Komabe a FR negative zimasonyeza kuti bizinesi ikhoza kukhala ndi vuto lolipira ma invoice ake pa nthawi yake. Chizindikirochi chimagwiritsidwa ntchito kwambiri pamene kusanthula ndalama.

🌿 Momwe mungasamalire bwino ndalama zogwirira ntchito?

Pali njira zingapo zomwe mabizinesi angagwiritse ntchito kuyendetsa bwino ndalama zawo zogwirira ntchito. Nawa ochepa:

✔️ Kukhathamiritsa kwa masheya

Kuwongolera magawo azinthu ndi gawo lofunikira pakuwongolera kwa RF. Bizinesi yokhala ndi zinthu zochulukirapo imatha kulumikiza zinthu zamtengo wapatali zomwe zingagwiritsidwe ntchito bwino kwina kulikonse.

M'malo mwake, kampani yomwe masheya ndi otsika kwambiri zingavutike kukwaniritsa zofuna za makasitomala ndikuphonya mwayi wogulitsa.

✔️ Kukambitsirana za masiku omalizira olipira

Mabizinesi atha kukambirana ndi omwe akuwathandiza kuti azitha kulipira bwino.

Mwachitsanzo, kampani ikhoza kukambirana nthawi yayitali yolipirira posinthana ndi maoda akuluakulu kapena kuchotsera ma voliyumu.

✔️ Kutolere bwino kwamaakaunti amakasitomala

Kasamalidwe ka maakaunti olandilidwa ndi gawo lina lofunikira pakuwongolera ndalama zogwirira ntchito. Bizinesi yomwe imatha kusonkhanitsa maakaunti ake omwe amalandilidwa munthawi yake imakhala ndi ndalama zogwirira ntchito zamphamvu.

✔️Maakaunti omwe amalipidwa

Mabizinesi amathanso kuyang'anira FR yawo poyang'anira mosamala maakaunti awo omwe amalipidwa. Izi zingaphatikizepo kukambirana za malipiro abwino ndi ogulitsa katundu, kupezerapo mwayi wochotseratu malipiro oyambirira, ndi kugwiritsa ntchito njira zoyendetsera ndalama monga kugwirizanitsa malipiro ndi kuphatikiza kwa ogulitsa.

✔️Kupititsa patsogolo kasamalidwe ka ndalama

Kusamalira bwino ndalama ndi chofunikira pakuwongolera ndalama zogwirira ntchito. Izi zingaphatikizepo kugwiritsa ntchito njira zochepetsera ndalama zosafunikira, kuwongolera ndalama, ndi kukhazikitsa ndondomeko yolosera ndalama.

✔️ Kugwiritsa ntchito zida zachuma 

Makampani amathanso kugwiritsa ntchito zida zandalama monga mizere yangongole kapena ngongole zanthawi yochepa kuti aziwongolera RF yawo.

Zidazi zitha kupereka ndalama kwakanthawi kuti zikwaniritse zofunikira pakanthawi kochepa ndikuwongolera momwe kampani ikuyendera.

✔️ Gwiritsani ntchito ndalama zogulitsira

Supply chain financing ndi njira yopezera ndalama yomwe imaphatikizapo kugwiritsa ntchito gulu lina kuti lipereke ndalama zamaakaunti akampani. Izi zitha kukonza momwe kampaniyo ilili FR pomasula ndalama zomwe zikadakhala zomangidwa mumaakaunti omwe amalipidwa.

🌿 Chifukwa chiyani muyenera kukhala ndi ndalama zogwirira ntchito?

Ndikofunikira kuti mabizinesi aziwunika momwe amagwirira ntchito nthawi zonse. Nazi zifukwa zina:

✔️ Kwa mabizinesi okhala ndi nyengo

Bizinesi yomwe imagwira ntchito munthawi yanthawi yayitali ingafunikire kusamalitsa mlingo wapamwamba wa FR kuti awonetsetse kuti ali ndi ndalama zokwanira kuti akwaniritse zomwe akufuna panthawi yochepa.

Bizinesi yokhala ndi nthawi yayitali yogwira ntchito ingafunikirenso kusunga a mkulu mlingo wa FR kuwonetsetsa kuti ili ndi ndalama zokwanira zolipirira ntchito zake podikirira kuti zinthu zake zigulitsidwe ndikusinthidwa kukhala ndalama.

✔️ Kwamakampani omwe amakhala ndi nthawi yayitali

Momwemonso, kampani yopanga yomwe imakhala ndi nthawi yayitali yogwira ntchito ingafunikire RF yapamwamba kuposa kampani yantchito yokhala ndi nthawi yayitali yogwira ntchito.

Kuphatikiza apo, kampani yomwe ili pachiwopsezo chachikulu ingafunike ndalama zambiri zogwirira ntchito kuti iwonetsetse kuti ili ndi zinthu zokwanira kuthana ndi mkuntho womwe ungakhalepo.

🌿Kodi mungawerenge ndalama zogwirira ntchito?

Kuwerengera ndalama zogwirira ntchito ndi zophweka. Mukapeza FR, mutha kutanthauzira zomwe mwapeza:

✔️ Ndalama zogwirira ntchito zabwino 

Imayeneretsedwa ndi chuma chowonjezera. Izi zikutanthauza kuti kampani yanu ili ndi zina zowonjezera zomwe zimalola kuti ikwaniritse zosowa zosiyanasiyana zomwe zingakumane nazo. Pakadali pano, muyenera kufananiza FR yanu ndi zomwe mukufuna kuti mugwire ntchito kuti muwonetsetse kuti ndalama zanu zitha kuyendetsa ndikukwaniritsa zosowa zanu.

✔️ Ndalama zogwirira ntchito zopanda pake

Izi zikutanthauza kuti wanu bizinesi ili pamavuto ndi kuti ilibe ndalama zofunikira kuti ikwaniritse zosowa zake zonse.

Panthawi imeneyi, ayenera kuyesetsa kupeza ndalama kuyenda kwa ndalama kwakanthawi kochepa. Zikatero, tikukulimbikitsani kuti muwonjezere ndalama, zomwe zikulitsa zomwe mungakhale nazo mukampani.

✔️Katundu wogwira ntchito ndi ziro

Izi zikuwonetsa kuti kampani yanu ikhoza kulipira ndalama zonse zomwe imagulitsa. Koma ponena za zosowa zake zamtsogolo, iye sangakhoze kupirira izo.

Kotero, si a kaimidwe bwino kwambiri iyenera kulimbana ndi njira zololeza kuti iwonjezere chuma chake monga, mwachitsanzo, kutenga ngongole yanthawi yayitali. Pochita izi, idzatha kukwaniritsa chosowacho ndikupitiriza ntchito zake mikhalidwe yabwino.

⛳️ Kodi ndalama zogwirira ntchito zokhazikika ndi chiyani?

The normative ntchito capital ndi mlingo wochepera wa ndalama zogwirira ntchito zomwe kampani ikuyembekezeka kusunga kuti ikwaniritse zosowa zake zachuma ndi ntchito. Zimawerengedwa motengera miyezo yamakampani komanso zochitika zamakampani.

Zinthu zingapo zimatha kukhudza FRN yamakampani, kuphatikiza momwe imagwirira ntchito, kutalika kwa nthawi yomwe imagwirira ntchito komanso kuchuluka kwa chiwopsezo chokhudzana ndi zomwe amachita. Kusunga mulingo wokwanira wamalipiro ogwirira ntchito ndikofunikira kwa kukhazikika kwachuma komanso kupambana kwanthawi yayitali kwa bizinesi.

Bizinesi yokhala ndi ndalama zogwirira ntchito yosakwanira imatha kuvutikira kuti ikwaniritse zomwe ili kwakanthawi kochepa. Ndipo kulephera kugwiritsa ntchito mwayi wakukula ndi kukulitsa.

Kumbali ina, kampani yomwe ndalama zake zogwirira ntchito ndi Kuchulukitsitsa kungawononge chuma zomwe zingagwiritsidwe ntchito bwino kupanga phindu kapena kulipira ndalama zina.

🔰 Njira zodziwira ndalama zogwirira ntchito

Zimawerengedwa motengera miyezo yamakampani komanso zochitika zamakampani. Pali njira zingapo zomwe zingagwiritsidwe ntchito kuwerengera ndalama zogwirira ntchito, kuphatikiza izi:

Zolemba zamakampani 

Njira imeneyi ikuphatikizapo kuyerekeza ndalama zogwirira ntchito za kampani ndi zizindikiro zamakampani kuti mudziwe ngati zili pamlingo woyenera..

 Mwachitsanzo, kampani yogulitsa malonda ikhoza kufananitsa ndalama zake zogwirira ntchito ndi kuchuluka kwa makampani kuti awone ngati ili pamwamba kapena pansi pa nthawi zonse.

Kayendedwe ka ntchito 

Njirayi imakhala ndi kuwerengera momwe kampani ikugwirira ntchito ndikuzindikira kuchuluka kwa ndalama zogwirira ntchito zomwe zikufunika kuti ndalama izi zitheke. Kuzungulira kwa ndalama ndi nthawi yomwe imatengera kusintha zinthu kukhala zinthu zomalizidwa kenako kukhala ndalama.

Chiyerekezo cha capital capital 

Njirayi imakhala ndi kuwerengera kuchuluka kwa ndalama zogwirira ntchito, zomwe ndi chiŵerengero chapakati pa katundu wamakono ndi ngongole zomwe zilipo panopa.

Chiŵerengero cha ndalama zogwirira ntchito cha 1,0 chimasonyeza kuti kampaniyo ili ndi ndalama zofanana ndi zomwe zilipo panopa, pamene chiwerengero chachikulu kuposa 1,0 zikuwonetsa kuti kampaniyo ili ndi katundu waposachedwa kuposa ngongole, ndi a chiŵerengero chochepera 1,0 zikuwonetsa kuti kampaniyo ili ndi ngongole zambiri kuposa katundu.

Kutembenuka kwa Cash Cycle

Njirayi ikuphatikizapo kuwerengera ndalama zosinthira ndalama. Ndiye kuti, nthawi yomwe imatenga kuti kampani isinthe zinthu zake kukhala ndalama. Kusintha kwa ndalama kumawerengedwera ndikuchotsa kuchuluka kwa masiku omwe zimatengera kugulitsa zinthu kuchokera pamasiku omwe zimatengera kulipira maakaunti omwe amalipidwa.

Njira yoyendetsera ntchito

Njira yoyendetsera ndalama imawerengera ndalama zogwirira ntchito. Izi zimatengera nthawi yomwe bizinesi imatengera kuti isandutse zinthu zomalizidwa kukhala zomalizidwa kenako kukhala ndalama.

Njirayi imaganizira momwe kampani ikuyendera komanso kuchuluka kwa chiopsezo chokhudzana ndi ntchito zake.

Maperesenti okhazikika a njira zogulitsa

Maperesenti osasunthika a njira zogulitsira amawerengera FRN ngati gawo lazogulitsa zomwe kampaniyo ikuyembekezeka. Njirayi imachokera ku lingaliro lakuti ndalama zina zogwirira ntchito zimafunika kuti zithandizire gawo lililonse la malonda.

Makampani avareji njira

Njira yapakati pamakampani imawerengera ndalama zogwirira ntchito mokhazikika potengera kuchuluka kwamakampani omwe amagwira ntchito m'makampani omwewo. Njirayi imachokera ku lingaliro lakuti makampani omwe ali m'gawo lomwelo ali ndi zosowa zofanana zogwirira ntchito.

Ndikofunika kuzindikira kuti palibe njira imodzi yokha yowerengera FRN. Mabizinesi akuyenera kuganizira momwe zinthu ziliri ndikusankha njira yomwe ingakwaniritse zosowa zawo.

🌿 Chifukwa chiyani ndalama zogwirira ntchito zokhazikika ndizofunikira?

Kusunga mulingo wokwanira wamalipiro ogwirira ntchito ndikofunikira kuti bizinesi ikhale yokhazikika komanso kuti bizinesi ikhale yopambana kwanthawi yayitali.

Bizinesi yomwe ili ndi ndalama zogwirira ntchito yosakwanira imatha kuvutika kuti ikwaniritse zomwe ili kwakanthawi kochepa ndikulephera kugwiritsa ntchito mwayi wakukula ndikukula. Izi zingayambitse mavuto azachuma kapena kubweza ngongole.

Izi zitha kupangitsa kuti ndalama zichepe komanso kutsika kwa eni ake. Chifukwa chake, ndikofunikira kukhalabe ndi mulingo wokwanira wamalipiro ogwirira ntchito pazifukwa zingapo:

Kukhazikika kwachuma

Bizinesi yomwe ili ndi ndalama zogwirira ntchito yosakwanira imatha kuvutikira kuti ikwaniritse zomwe ikufunika kwakanthawi kochepa ndikuyika mavuto azachuma. Izi zitha kupangitsa kuti pakhale zovuta kupeza ndalama, kuvutika kulipira mabilu pa nthawi yake, komanso ngakhale kubweza ngongole.

Kugwira ntchito moyenera

Ndalama zogwirira ntchito zimagwiritsidwa ntchito kuthandizira ntchito za tsiku ndi tsiku za bizinesi. Bizinesi yomwe ili ndi ndalama zogwirira ntchito yosakwanira imatha kuvutikira kukwaniritsa zosowa zake ndikulephera kugwira bwino ntchito.

Kukula ndi kukula

Bizinesi yomwe ili ndi ndalama zokwanira zogwirira ntchito idzakhala ndi zothandizira kutenga mwayi wokulirapo ndikukula. Izi zitha kupangitsa kuti phindu lichuluke komanso kuchuluka kwa omwe akugawana nawo.

Chidaliro cha Investor

Otsatsa ndalama ndi akatswiri azachuma nthawi zambiri amagwiritsa ntchito ndalama zogwirira ntchito poyesa thanzi lazachuma komanso kukhazikika kwa kampani. Kampani yomwe ili ndi mulingo wathanzi wa FRN imatha kukopa ndalama zambiri ndikupanga chidaliro chamabizinesi.

Chifukwa chake ndikofunikira kuti makampani azisamalira mosamala ndalama zomwe amagwirira ntchito. Izi zidzawathandiza kuti azitha kukhala ndi malire abwino pakati pa ndalama zokwanira komanso kugwiritsa ntchito bwino zinthu. Izi zitha kuthandiza kukhazikika kwachuma komanso kupambana kwanthawi yayitali kwabizinesi.

🌿 FAQ: Zonse za capital capital

✔Zotsatira za kusakwanira kwa ndalama zogwirira ntchito ndi zotani?

Zotsatira za kusakwanira kwa FR zingaphatikizepo mavuto azachuma, kuvutika kupeza ndalama, kuvutika kulipira ngongole panthawi yake, kapena ngakhale bankirapuse. Zitha kubweretsanso kulephera kwa magwiridwe antchito komanso zovuta kugwiritsa ntchito mwayi wakukula.

✔Kodi kuwerengera ndalama zogwirira ntchito ndikofunikira?

Monga mmene dalaivala wabwino amayendera mwaluso galimoto yake pakapita nthawi, amaonanso manijala wabwino wabizinesi ayenera kuwunika thanzi lazachuma wa kampani yake kuti atsimikize kuti azitha kukwaniritsa zomwe walonjeza mkati mwa nthawi yomwe akuyembekezeka. Kwa ichi, chimodzi mwa zida zabwino kwambiri ndikutsimikiza kwa ndalama zogwirira ntchito.

Tinamaliza. Tikukhulupirira kuti ndalama zogwirira ntchito sizikhala ndi zinsinsi kwa inu. Tisiyeni maganizo anu mu ndemanga.