Mawu a chitukuko bizinesi ya kampani: zikalata zinthu. Ngongole kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe

amalonda ambiri kusankha zokulitsa bizinezi yanu. Koma mu nkhani iyi angakhale chosowa njira kukwaniritsa cholinga ichi. Banks kupereka kutenga ngongole chitukuko bizinesi ya kampani. Tikufuna kusankha pulogalamu mulingo woyenera ndi zinthu zoyenera ndi zofunikira.

Ngati zingatheke, ngongole chitukuko malonda, ndi zofunika kuti ayanjane ndi mapulogalamu a mabanki angapo. Bwino komabe, kukaonana ndi mlangizi akatswiri amene angakuthandizeni kusankha zinthu akadakwanitsira. No zofunika zochepa imatengedwa kuti timudziwe bwino mgwirizano, amene n'chakuti zikhalidwe za iwowo.

ntchito makamaka ang'onoang'ono kukongoza

kampani A anawawerenga, kampani, sitingathe ndi ogula ngongole poyerekeza SP. Choncho, kusankha ali ndi yaing'ono. Koma mabanki ndi zonse kutuluka ndi mapulogalamu atsopano. Lamulo lalikulu akuti ndi zochita za kampani. Izo ziyenera kuchitidwa miyezi 6, mwinamwake adzakhala kukana kwa ntchito.

gulu limapereka mwayi ntchito ngongole mzere kuti ndalama kwambiri. kukongoza opanda ina. Ngakhale pamene mabungwe mavuto banki kupereka ngongole kwa anthu. Kukongoza makampani akuluakulu banki zambiri wosachita popanda ina ndi guarantors.

Mitundu ya ngongole kwa LLC

Iwo crediting zambiri ikuchitika ndi kuchuluka aang'ono ndi anthu ambiri. Ndiye obwereketsa azipereka magawano, limanena. Woyamba akhoza chikalata popanda ina, ndi ena ayenera kuperekedwa. Ngongole okha anawagawa mitundu zotsatirazi:

• Overdraft. Kumasulira kwa nkhani ya wobwereka ovomerezedwa kuchuluka. Ngongoleyo, mukhoza kuliika ndalama nkhani. Ndalama debited basi. cholinga ndi kuthandiza zolowa kampani. Ndalama ikhoza kukhala ntchito pa kuwonongedwa kwa kusowa ndalama, malipiro liwiro. Ndalama ungapite bajeti. Izi njira ndi kopindulitsa kwambiri kukongoza. Chiwerengero ndi kuliika ndi kusiyanitsidwa. Alipire zichitike basi.
• Mawu mzere. Izo ntchito yowonjezera malonda. The ngongole mzere ndi Kukhazikika mukukonzeratu ndipo sanali Kukhazikika mukukonzeratu. Kawirikawiri ngongole awa ntchito kugula ndalama zatsopano. Kugula zipangizo. mabungwe Financial Udzakongoza mawonekedwe si ndalama. Ndalama zimagwiritsidwa ntchito kwathunthu kapena pang'ono. Iwo amagwiritsa sanali akulimbana pulogalamu, koma bungwe ngongole angafunikire kuchititsa ulamuliro wa ndalama.
• Investment ngongole. Kukuza malonda kapena pofuna kugula zida, mukhoza kukonza ngongole. Koma mawu zambiri kuyeza poyerekeza ngongole zina. Muyenera kusonkhanitsa kwambiri chikalatacho, ndi kulenga pulani ndalama yoonetsa njira kuonjezera ndalama.

A bungwe ngongole kungafune kumayambiriro kwa malipiro oyamba wa 30-40%. Nthawi crediting ndi zaka 15. Ngati kampani sachiza nthawi yaitali, mwina kukanidwa. Ngongole si inakhazikitsa ndi sikelo ziro. Nthawi zina chofunika kupereka ina.

zikhalidwe

Mawu a chitukuko bizinesi ya kampani akatunge mu Sberbank, VTB 24, "Alfa-Bank" komanso mabungwe a zachuma. Pakuti aliyense pulogalamu anapereka mawu. Mwina kamangidwe ka ngongole pansi pa kubweza, chitsimikizo kapena popanda ina.

Banks kupereka Kuyamikira kuti mln 5 pa mlingo wa 14.5 17%. Nthawi zambiri amalonda akufuna boma ndi kulembetsa mwa mabungwe akuluakulu a boma latsopano la Russia.

phwando

Kodi ndingafike ngongole chitukuko ntchito? Kuchita izi, kudutsa magawo angapo:

1. Lumikizanani ndi banki lomwe lili ndi nkhani panopa.
2. Ikani kwa kulembetsa ngongole.
3. Sungani zolembedwa.
4. Mu kuvomereza kuwerenga mawu.
5. Lowani zikalata ndi kupeza ndalama.

Ponena za banki, kumene kulibe nkhani, bungwe likufuna kulanda ndalama kapena gawo lirilonse zace.

Kopita?

Ngongole kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe akupezeka mabanki osiyana. Ndalama ndi mitengo aliyense kasitomala angakhale osiyana:

• Ndalama - 5 mln 16%;
• "Alfa-Bank" - mpaka rubles miliyoni 6 pansi 17%;

• "Raiffeisen Bank" - mpaka rubles miliyoni 4.5, ndi mlingo Kwalamulidwa payekha;
• VTB 24 - 4 mln kuti 14.5%;
• "Bank of Moscow" miliyoni 150 rubles pa mlingo payekha.

banki ndalama

Zokopa ngongole malonda Sberbank, zomwe ndingathe kupirira amalonda onse. Action pulogalamu mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe, komanso lalikulu makasitomala amapeza. Bank amapereka mapulogalamu angapo chitetezo, chitsimikizo ndipo palibe ina.

kuchuluka angafikire ku miliyoni 5. Mlingo wa 16-19,5% pa chaka. Ngongole adzapatsidwe zolinga zosiyana: kukonzanso, kugula katundu mapulani kukula.

pulogalamu pagulu

Osati aliyense amadziwa kuti pali ntchito zosiyanasiyana ntchito thandizo umene amapereka akhoza linapereka chitukuko cha malonda. Support kungakhale returnable ndipo sanali returnable. Kulandira ndalama ngati sadzakhala kusangalatsa aliyense. Zokonda adzakhala chikhalidwe zochokera, mafakitale, ulimi, ntchito malonda.

Pamafunika nkhani chiwerengero cha ntchito, phindu la mankhwala kapena utumiki. Chinanso chofunika ndi kufufuza apachiyambi, profitability ndi payback nthawi ya polojekiti. Kuthamanga mapulogalamu ndi zinthu nawo iwo amapangidwa pa Websites boma la mzinda.

ntchito ndi mfulu, kuti aliyense akhoza kuyesa bungwe. Mukamakonzekera pulani a bizinesi, ndiye apeze ndalama kuchokera boma kwenikweni. More zokonda zapatsidwa kwa anthu amalonda amene kale ntchito anakhazikitsa ndalama zonse.

Kodi ntchito?

Zalembedwa ngongole kwa tochepa ndi sing'anga kwa masiku angapo. Izo zimatengera zinthu ndi zofunika Mwachitsanzo, pokonza ndi ina ngongole.

Kutenga ngongole kampani nthawi zonse umachitikira ndi makonzedwe a ina madzi kapena guarantor pempholo. Apo ayi izo adzakanidwa ngongole.

kuchokera zikande

Amapereka ngongole chitukuko ntchito kuchokera zikande, koma kuti apereke iwo ndi kovuta. Banks amalowerera amafuna malamulo kuti borrowers:

• phindu ogwira ntchito;
• kampani kulembetsa ndi osachepera 6 miyezi-1 chaka.

amalonda watsopano zambiri basi kukana ntchito ngongole. Imeneyi adzakhala kupanga ogula ngongole kwa munthu wachibadwa kupereka chuma cikole. Kuyamikira pa chitukuko cha malonda kuyambira poyamba mpaka ndipo inaika ndi guarantors.

popanda ina

Pezani ngongole kampani popanda ina ndi zovuta. Borrowers ayenera kudziwa kuti ena mabungwe, monga Sberbank, VTB, kupereka ngongole zimenezi, koma mtengo wake ndi mkulu mokwanira. Chikhalidwe cha kulembetsa wa ndikupeleka amenewa ndi chitsimikizo cha mwini bizinesi.

zofunika

Mawu a chitukuko bizinesi ya kampani adzachotsedwa ndi anthu amafuna zingapo:

• ndodo - osati anthu oposa 100;
• phindu pa chaka - mpaka rubles 400 miliyoni;
• Ndalama kuchokera mikroorganizatsy rubles 60 miliyoni, ndipo makhalidwe - osapitirira 15;
• Kulembetsa latsopano la Russia;
• Business kumbali;
• zaka 23-65;
• zabwino ngongole mbiri;
• ndalama wabwino zolowa.

zikalata

Amafuna ntchito kupeza ngongole chitukuko bizinesi ya kampani. Documents zingasiyane malingana ngati munthu ndi kasitomala banki kapena ayi. Permanent borrowers ndi kupereka mfundo ndalama pepala posachedwa ina, guarantors.

Ngati kasitomala si ntchito misonkhano ya gombe, iye ayenera kukonzekera maziko, zikalata kulembetsa. Komanso muyenera khadi ndi zitsanzo za anasaina wa anthu omwe ali ndi udindo chikalatacho. Tiyenera pasipoti awo, wokhoma chizindikiritso nambala. Mndandanda wa mapepala nthawi zina zikukhala.

Uwerenge

Mawu a chitukuko bizinesi ya kampani anapereka okwana rubles miliyoni 3-5. Koma ena mabungwe, mwachitsanzo, "Bank of Moscow" amapereka ndalama zambiri. chikhalidwe ndi solvency wa kampani ndi kukwaniritsa maudindo amene akutengedwa pa kusaina zikalata ngongole.

mitengo

Chiwongoladzanja pa ngongole makasitomala onse ofunitsitsa payekha aliyense kasitomala. Amalipiritsa ntchito ngongole kumatengera zifukwa zingapo:

• solvency;
• nthawi ndalama;
• Loan Chodikanira;
• kupezeka kwa ina kapena chikole.

mitengo Base tsopano 14,5-17% pa chaka. Ndipo pa mapulogalamu kuwathandiza ndi boma amachita 10%.

mawu

pulogalamu muyezo ngongole ndi kwa zaka 3. Nthawi zina pali kuposa nthawi yaitali ngongole. Mwina alipire oyambirira, inu muyenera kudziwa nthawi yomweyo ngati pali amalipiritsa zina.

alipire

Malipiro a ngongole ndi wofanana kapena kusiyanitsidwa mbali. Nthawi zina ikhoza munthu alipire options chiwembu. Translation amachitidwa pa nkhani panopa ngongole. Ngati malipiro mochedwa za malipiro ndi banki mlandu akuchedwa, komanso yafupika ngongole mlingo.

Ubwino ndi Kuipa

Mu ntchito ngongole kuli ndi ubwino wake:

• safunikira kumana makope njira;
• pali kuthekera processing ngongole popanda ina;
• mukhoza kukhala membala wa pulogalamu boma ndi opereka ngongole zofewa.

Koma kumbukirani kuti mabanki mu akubwereketsa yekha ntchito ndi amalonda yasonyeza. Borrowers ayenera atsimikizire solvency wa kampaniyo kutsegula yatsopano, nkhani gawo, ntchito kopeleka malipiro, makadi amapeza. M'pamene angakwanitse chonse ngongole.