Ungayenza Kanjani Isabelomali Sebhizinisi Elincane

Ukwenza ibhajethi kuwumkhuba obalulekile webhizinisi wamabhizinisi amancane aku-inthanethi. Njengoba ngokuvamile benemali eqinile kanye ne-liquidity ephansi, ukubeka iso eliqinile emalini engenayo kanye nezindleko kungaba ukhiye wokuphila kwalezi zinkampani.

Kodwa ukwenza isabelomali kungaba nzima, ikakhulukazi ezinkampanini ezincane ezintsha kulo mkhuba. Ngaphandle kwalokho, ukwenza isabelomali sebhizinisi kuwuhhafu womsebenzi - kusafanele bafunde ukuthi bangahlala kanjani besendleleni ngesabelomali sabo futhi bagcine izimali zihlelekile.

Lo mhlahlandlela udingida lokho amabhizinisi amancane aku-inthanethi okufanele akwazi mayelana nesabelomali, okuhlanganisa nencazelo yako, kungani kubalulekile, kanye nendlela yokwenza isabelomali esisebenzayo.

Okuqukethwe
Iyini isabelomali samabhizinisi amancane?
Kungani izinkampani ezincane kufanele zibhajethe
Indlela yokwenza ibhajethi yebhizinisi elincane
Amathiphu okuhlala usendleleni ngebhajethi
Isiphetho

Iyini isabelomali samabhizinisi amancane? 

Isabelomali sebhizinisi siyisifinyezo sezimali zenkampani. Igqamisa izindleko zenkampani ezihlongozwayo zamasonto onke, nyanga zonke, noma zonyaka kanye nemali engenayo kanye nemigomo yezezimali yenkampani yesikhathi esifushane noma emaphakathi. 

Ngenxa yokuthi isabelomali sebhizinisi sidlala indima ebalulekile ekwenzeni izinqumo eziphusile zezezimali, kufanele kube yinto ehamba phambili yebhizinisi. Nokho, izibalo zikhomba ukuthi lokhu akwenzeki ngaso sonke isikhathi emabhizinisini amancane. Ngokwesibonelo, a Ucwaningo lwe-2021 bathole ukuthi zingama-54% kuphela ezinkampani ezincane ezinesabelomali sezinkampani, okusho ukuthi cishe ingxenye yamabhizinisi ayiboni kahle ngokwezimali. 

Kodwa kunezizathu eziningi zokuthi kungani zonke iziqalo kufanele zibe nesabelomali nohlelo lwezezimali, ziqale ngalezo ezichazwe ngezansi. 

Kungani izinkampani ezincane kufanele zibhajethe 

Ukuba nohlelo lwesabelomali sebhizinisi kuyisihluthulelo sobuhlakani bezezimali ezinkampanini ezincane. Njengoba i-CB Insights ibika, esinye sezizathu eziphambili ukuthi ukuqalisa kwehluleke kungenxa yokuthi kuphelelwa imali. Kodwa ukwenza ibhajethi kusiza amabhizinisi ukuthi alandelele imali engenayo nezindleko futhi ahlelele ikusasa elinempilo lezezimali. 

Ukwengeza, ukwenza isabelomali kusiza amabhizinisi amancane: 

• Ukufinyelela ukusebenza kahle kwebhizinisi: Isabelomali sokuqala sisiza izinkampani zibikezele imali engenayo futhi zilungise izindleko zebhizinisi ngokufanele. 
• Phatha izimali kangcono: Ngesithombe esicacile semali engenayo nezindleko, kulula ukwaba ukusetshenziswa kwemali nokuqeda izindleko ezingadingekile. 
• Lungiselela izinyanga ezihamba kancane: Isabelomali sebhizinisi singasiza ekuhlonzeni izikhathi zemali engenayo ephezulu ukuze inkampani ihlele ngokufanele izinyanga ezihamba kancane. 
• Thola inzuzo yebhizinisi: Amabhajethi asiza ekuboneni ukuthi izinkampani kufanele zenzeni ukuze zenze inzuzo, kungaba ngokunciphisa izindleko noma ukukhulisa imali engenayo, noma kokubili. 
• Yenza ibhizinisi elihlanzekile: Okokugcina, izinkampani ezenza isabelomali zingagcina izimali ezihlelekile, okuzobaluleka kakhulu ekwenzeni ibhizinisi likhange kubatshalizimali.

Ngemva kokuthola ulwazi olwengeziwe ngokuthi kungani uhlahlo lwabiwo-mali lubalulekile, ake siphendukele endleleni yokubhajethela ibhizinisi elincane. 

Indlela yokwenza ibhajethi yebhizinisi elincane

Umgomo oyinhloko wokwenza isabelomali uwukwakha ulwazi lwezezimali olungabikezelwa lwebhizinisi. Ngakho-ke, njengoba uqala, uzoqaphela ukuthi inqubo ihilela kakhulu ukubheka emuva emalini yakudala kanye neholo bese usebenzisa lokho okuhlangenwe nakho ukuze ubikezele ikusasa. 

Yize amabhizinisi amasha engase angabi nawo umlando wezezimali wangaphambilini, ucwaningo ngezindleko ezijwayelekile zomkhakha lungasiza. Ngokufanayo, izinkampani ezikulesi sikhundla zingathembela kusabelomali esiyisibonelo ukuze ibhizinisi liqale. Sesikushilo lokho, nazi izinyathelo ezibalulekile ezihilelekile ekulungiseni isabelomali.

1. Thola imithombo yemali engenayo

Lapho udala isabelomali sebhizinisi elincane, isinyathelo sokuqala ukukhomba ukuthi ibhizinisi lenza malini futhi lisuka kuphi. Ukuthengisa okukhiqizwa esitolo se-inthanethi senkampani noma indawo engaphambili yemakethe yindawo enhle yokuqala ibhizinisi eliku-inthanethi. Okulandelayo, cabanga ukuthi ibhizinisi liyayenza yini imali kwabanye imithombo, njenge-freelancing, ukubonisana, noma ukuthengiswa kwesitolo sangempela.

Ngemva kokuhlanganisa yonke imithombo yemali engenayo, bala ukuthi ibhizinisi lenza malini nyanga zonke. Ngokufanelekile, lesi sibalo kufanele sihlanganise okungenani izinyanga eziyi-12 zemali engenayo noma ngaphezulu uma lolo lwazi lutholakala. 

Khumbula ukunamathela ezinombolweni zemali engenayo ngesikhathi salokhu kubala. Asikho isidingo sokunquma inzuzo okwamanje - sizofika kulokho kamuva. 

2. Hlanganisa izindleko ezingaguquki

Okulandelayo, nquma futhi uhlanganise zonke izindleko ezimisiwe zenkampani. Izindleko ezingaguquki yilezo zindleko zebhizinisi inkampani ezikhokha ngokuphindaphindiwe. Isibonelo, zingase zenzeke nsuku zonke, masonto onke, nyanga zonke, noma ngonyaka. Ezinye izindleko ezingaguquki yirenti, izinsiza, iholo, nomshwalense. 

Njengebhizinisi eliku-inthanethi, lezo zindleko cishe zizofaka izindleko zokubamba iwebhusayithi noma izindleko zokubhalisela zanyanga zonke zalabo abanezindawo zezitolo endaweni yemakethe njenge Chovm.com. Kodwa kubalulekile ukuqaphela ukuthi izindleko ezilungisiwe ziyahlukahluka ebhizinisini ngalinye. Ngakho-ke, zinike isikhathi sokuthola lezo ezisebenza ebhizinisini lakho. 

Ngemva kokunquma izindleko ezinqunyiwe, zingeze ukuze uthole inani eliphelele lezindleko ezigxilile zanyanga zonke.

3. Thola izindleko eziguquguqukayo

Izindleko eziguquguqukayo zizobalwa ngokulandelayo. Lezi zindleko azinqunyelwe kodwa ziyaguquguquka inyanga nenyanga, kuye ngezici ezimbalwa. Isibonelo, zingase ziguquguquke ngokuya ngesilinganiso sokusetshenziswa noma isidingo sesizini.

Izibonelo zezindleko eziguquguqukayo zifaka imikhankaso yokumaketha, izintela, osonkontileka abazimele, ukuthuthukiswa kochwepheshe, njll. Ezinye izindleko ezingabambi iqhaza ekukhuleni kwebhizinisi zingawela lapha, njengesidlo sasemini sebhizinisi noma ikhofi lezandla. 

Ukufunda ukuthi ibhizinisi lichitha ini ezindlekweni eziguquguqukayo kubalulekile. Phakathi nezinyanga ezingenamandla, bazohlinzeka ngamanye amathuba angcono kakhulu okunciphisa ukusetshenziswa kwemali nokuqinisekisa ukusinda kwenkampani. 

4. Qagela izindleko zesikhathi esisodwa

Olunye uhlobo lwezindleko okumele lufakwe phakathi kwesabelomali yizindleko zesikhathi esisodwa. Lezi zindleko zingenzeka kanye kuphela, kodwa uzovame ukuzibona ukude. Isibonelo, ukuthola ikhompuyutha ephathekayo entsha noma ukuqasha umklami ukuthi akhe ilogo yebhizinisi kuyizindleko ezivamile nje. 

Kuyaphawuleka ukuthi lezi zindleko zivame ukuba phezulu. Ngakho, ukubahlelela kusenesikhathi kungasiza ekususeni ingcindezi ebhizinisini futhi kulivikele emithwalweni engazelelwe, emikhulu yezezimali. Ngokunjalo, izindleko zesikhathi esisodwa kulula ukuzigcinela le ndlela. 

5. Dala isikhwama sezimo eziphuthumayo

Nakuba ukwakha isikhwama sezimo eziphuthumayo kuzwakala kufana nokubikezela izindleko eziphuma kanye nje, kunomehluko obalulekile. Isikhwama sezimo eziphuthumayo sibhekelela izindleko ezingalindelekile, kuyilapho izindleko zesikhathi esisodwa zivame ukubikezelwa futhi zingalindelwe. 

Ukwenza isikhwama sezimo eziphuthumayo kuwubuhlakani ngoba ukusebenza kwebhizinisi okujwayelekile kungakhuphula izindleko obungazilindele lapho ubungazilindele. Ukubhekana nalezi zenzakalo ezingalindelekile kucindezela ngokwanele, kodwa ukuba nesikhwama esilungele ukuhlangabezana nezindleko kuzosiza kakhulu. 

Izibonelo zezindleko zesimo esiphuthumayo zifaka ukuphuka kwemishini kungazelelwe, izinkinga zewebhusayithi, noma ingozi ephihliza iveni yokulethwa. 

6. Thola umkhawulo wakho wenzuzo

Ngemva kokuqeda izinyathelo ezichazwe ngenhla, sekuyisikhathi sokunquma inzuzo. Okokuqala, engeza zonke izindleko zanyanga zonke noma zonyaka - okuhlanganisa nezindleko ezingaguquki, eziguquguqukayo, nezesikhathi esisodwa. Bese, hlanganisa imali engenayo yebhizinisi yanyanga zonke kanye nonyaka. 

Susa izindleko emalini engenayo, futhi uzoba nenombolo ephozithivu, okuyinzuzo yakho, noma inombolo enegethivu, okusho ukuthi ibhizinisi lingase liguqule ukulahlekelwa. 

Uma kubonakala sengathi kungenzeka ukulahlekelwa, ungalahli ithemba. Akuwona wonke amabhizinisi amancane anenzuzo ekuqaleni. Futhi kwabaningi, kuthatha isikhathi ukwenza inzuzo. Kodwa ngesabelomali sebhizinisi esibonisa lapho ungakwazi ukunciphisa izindleko noma ukushayela imali engenayo, kulula ukungena endleleni ebheke ekusebenzeni kahle kwezezimali kanye nokwenza inzuzo.

7. Kudonse konke ndawonye

Ngawo wonke umzamo kuze kube manje, ibhizinisi manje linesithombe esihle sezimali zalo kanye nombono wezezimali. Ngenxa yalokho, iphinde ingene esimweni esihle sokulungisa nokulungisa into ngayinye ukuze kuzuzwe ukuxutshwa okungcono kakhulu kokusebenza kwebhizinisi okuqinile phakathi nenkathi. 

Nakuba isabelomali siwukuqagela nje kwemali engenayo kanye nezindleko, sinikeza indlela enhle yokuhlelela izinyanga noma unyaka ozayo. Ukwengeza, izinkampani zingafunda enkambweni yemali engenayo eziye zayibona ngesabelomali futhi zenze amasu okuzuza imali engenayo eyengeziwe futhi zehlise izindleko.

Amathiphu okuhlala usendleleni ngebhajethi 

Njengoba kushiwo ngenhla, ukwenza isabelomali sebhizinisi elincane kuwuhhafu womsebenzi. Izinkampani kusafanele zithole indlela yokuhlala zithembekile ohlelweni lwazo lwezezimali. Nakuba iziqalo eziningi ezakha isabelomali zinamathela kuso, ukuhlala nohlelo kungaba nzima. 

Ngokusho kwalokhu cwaningo, u-35% wezinkampani ezenze isabelomali zisasebenzisa imali engaphezu kwalokho ebihleliwe. Ngakho-ke, amabhizinisi amancane ahlala kanjani esendleleni ngesabelomali sawo? Nawa amathiphu ambalwa okusiza. 

• Setha uhlelo olungokoqobo: Ukugxilisa isabelomali ngamaqiniso aqinile kunokuqagela okunengqondo kuzokwenza kube lula ukulindela kanye nokubhekana namaqiniso ezezimali enkampani. 
• Gcina imibhalo: Kuba nzima ukulandelela imali engenayo nezindleko ngendlela efanele ngaphandle kwamarekhodi ezimali acacile. Ngakho-ke, yiba nokholo ngemibhalo yenkampani. 
• Sebenzisa ukugcinwa kwamabhuku okuqinile: Ngesikhathi esifanayo, kuwumqondo omuhle ukuzijwayeza ukugcinwa kwamabhuku okuningiliziwe lapho uqopha khona konke okungenayo nokuphumayo kwebhizinisi. 
• Sebenzisa isoftware yokubala: Isofthiwe ye-accounting efana ne-FreshBooks ne-QuickBooks inamaphakheji ebhizinisi amancane enza ukuhlela nokwenza ibhajethi kungabi nengcindezi. 
• Vumelana nezimo: Okokugcina, khumbula ukushiya igumbi elithile lokunyakazisa ngaphakathi kwesabelomali, ukuze ibhizinisi likwazi ukuphendula kalula ezimweni ezintsha namaqiniso ezezimali. 

Isiphetho

Ekugcineni, ukwakha isabelomali sebhizinisi kusiza osomabhizinisi bakhe izinkampani eziqinile nezisimeme. Ukucaca okunikezwa yisabelomali kuzoba kubalulekile ekuqinisekiseni ukuthi ibhizinisi lichitha imali ezindaweni ezifanele kuphela nangesikhathi esifanele ukugwema izikweletu ezingadingekile.