Ukubikezela Kwezezimali
Uhlelo lwebhizinisi kuze kube manje belumayelana nokuchaza umqondo webhizinisi (umkhiqizo noma isevisi), kusukela emakethe efanele, kanye nohlelo lokusebenza lwansuku zonke. Lesi sigaba siphathelene nokuqagela kwezezimali kwakho konke lokho. Yisigaba esicacisa kakhulu lapho imali izosetshenziswa khona. Umtshali-zimali angase afunde lesi sigaba kuqala (emva kwesifinyezo esiphezulu) ukuze athole umqondo wohlelo lwebhizinisi ngaphambi kokufunda okunye.
Manje njengoba ukubaluleka sekugcizelelwe, kungabongwa ukuthi izibalo ezisetshenziswe ohlelweni lwezezimali kufanele zisekelwe eqinisweni ngangokunokwenzeka. Kunenqwaba yezimo ezingakwazi ukulinganiswa ekuqaleni, kodwa kufanele zihlale zilinganiselwa ngaphakathi kwesizathu.
Isibonelo - ukuqasha unogada kuzoba nokuhluka kwesilinganiso kuye ngezinto eziningi; kodwa ukuthola isaphulelo kuzovumela isabelomali esisekelwe emakethe esinembile. Kodwa-ke, kokuthile okumile, kungaba yisicefe ukuthola izingcaphuno zayo yonke into yasehhovisi. Esikhundleni salokho, inani elifanele lemali lingabelwe isabelomali esilindelekile. Njengoba ibhizinisi liqala ukuhweba, leli nani "lezinto ezisetshenziswayo zasehhovisi" lizochibiyelwa ukuze libonise isabelomali esinembe kakhudlwana.
Uhlolojikelele:
Isitatimende Semali Engenayo Esilindelwe
3 Year Projection
I-Cash Flow Projection
Isitatimende Seminyaka Emi-3 Sokugeleza Kwemali
Ishidi Lebhalansi Elilinganiselwe
Ukuhlaziywa kwe-break-ven / Scenario Planning
Ukusetshenziswa kwe-Capital
Isitatimende Semali Engenayo Esilindelwe
Ngemva kwesifinyezo esiphezulu, lena ingxenye elandelayo ebaluleke kakhulu yohlelo lwebhizinisi. Ikhombisa ukuthi unyaka wokuqala webhizinisi kulindeleke ukuthi uthuthuke kanjani ngokwezimali. Ekugcineni izokwazisa umtshali-zimali ukuthi ibhizinisi okulindeleke ukuba likudayise kangakanani; nokuthi yimalini leyo nzuzo ngemuva kwezindleko.
Akukho okuningi okungachazwa ngalesi sigaba - zonke izinombolo zezinombolo ezibekwe phakathi nezinyanga eziyishumi nambili. Sebenzisa isifanekiso ukuze ucabangele izindleko zakho. Qiniseka ukuthi usebenzisa izibalo oziqinisekisile kusithasiselo lapho kubalulekile.
I-Projection yeminyaka emi-3 noma emi-5
Ongakukhetha, kodwa kuyanconywa. Lokhu kusindisa umtshali-zimali ongase akwazi ukwenza izibalo zakhe ukuze abikezele ngokuqhubekayo esikhathini esizayo. Uma isikhathi sokukhokha singaphezu kwezinyanga eziyi-12, kufanele ufake lesi silinganiso ukuze ufake isikhathi sokwenza imali. Esinye isizathu siwukukhombisa izinguquko ekuqageleni kwemali engenayo ngemva kokuba noma yiziphi izikweletu sezibuyisiwe; noma ukuxhaswa ngezimali kuqediwe.
I-Cash Flow Projection
Uma kuhileleke ikhredithi, kuhlale kunomehluko phakathi kwemali yangempela eku-akhawunti yamanje kanye nemali elindelekile (ngaphakathi noma ngaphandle). Abahlinzeki abahlinzeka ngemibandela (izinsuku ezingu-30 noma izinsuku ezingu-60, njll.) bakuvumela ukuthi usebenzise imali kokunye kuze kufike isikhathi sokukhokha. Isibonelo, ukuthenga usimende kanye nesamba ngesikweletu kusho ukuthi awudingi ukheshi ukuze uthenge lezi zinto zokusetshenziswa. Enyangeni elandelayo, ungakwazi ukukhiqiza izitini futhi ukhathazeke kuphela ngamaholo adingekayo. Ngemva kokuthengisa, ukhiqiza imali engukheshi ongayisebenzisa ukukhokhela abahlinzeki bakasimende kanye nesamba.
Kungaba nzima nakakhulu uma uqala ukunikeza amakhasimende akho isikweletu kanye nokuthenga ngesikweletu kubahlinzeki bakho. Yingakho kudingeka ukuqagela kokugeleza kwemali ukuze kugcinwe umbono wokuthi ukheshi uhamba kanjani ukuze uqiniseke ukuthi awugcini untula imali uma udinga ukukhokha.
Uma ibhizinisi liqala njengokheshi kuphela futhi abahlinzeki bempahla beletha imali enhle kuphela lapho beletha, khona-ke ukuqagela kokugeleza kwemali ngeke kubukeke kuhluke kakhulu emalini engenayo.
Ishidi Lebhalansi Elilinganiselwe
I-balance sheet ihambisana nesitatimende semali engenayo njengeqoqo lamadokhumenti ezezimali ukukhombisa isimo sanoma yiliphi ibhizinisi. Ngalolu hlelo lwebhizinisi, kufanele ubonise umtshali-zimali ukuthi uhlose ukulusebenzisa kanjani uxhaso; kanye nokuthi konke ukunyakaza kwemali yesikhathi esizayo nakho kunomthelela kanjani ekushintsheni kwempahla enkulu. Ishidi lebhalansi elihlongozwayo lizobonisa ukulingana kwabaninimali ngemva konyaka owodwa bebhizinisi.
Ukuhlaziywa kwe-break-ven / Scenario Planning
Isilinganiso semali engenayo sizobonisa inzuzo egciniwe, okukhokhwa ngayo noma yiziphi izimalimboleko; Kodwa lokhu kuwumbono owodwa nje olindelekile. Ukuhlaziywa kwekhefu kungasiza lapho ucubungula izinketho ezihlukahlukene ezizothinta inzuzo. Isibonelo, uma ucabangela abasebenzi besikhathi esigcwele uma uqhathanisa nomsebenzi wenkontileka, ungase wenze ukuhlelwa kwesimo esithile ukuze uhlole imiphumela yalezi zinqumo.
Ungaphinda ulingise isimo esingcono kakhulu nesibi kakhulu ukuze ubone ukuthi ubungozi bakho bukhululekile kangakanani. Uma ibhizinisi lingahlinzekeli nganoma ikuphi ukubambezeleka ekuthengisweni, ukuhlaziywa kwe-break-even kuzoveza amaphethelo amancane okuphepha futhi kukuvumele ukuthi ulungise ngokufanele.
Ukusetshenziswa kwe-Capital
Lokhu ukucutshungulwa kwalokho obungakusebenzisa njengezindleko ezinkulu eshidini lebhalansi. Imininingwane ngezinto ezidingekayo nokuthi zingase zisetshenzisweni ebhizinisini.
Izithasiselo
Lesi sigaba akuyona into ongayihlelela - ukubamba ubufakazi bamadokhumenti asekelayo asekela amaqiniso asetshenziswe ohlelweni lwebhizinisi. Izobamba kakhulu indlela okukhulunywa ngayo ohlelweni lwebhizinisi; kodwa lokhu akuwona umthetho.
Okuningi kuba ngcono, kulesi simo - uma wenza umzamo owengeziwe wokucwaninga ngohlelo lwakho lwebhizinisi, yilapho uzofaka khona ukuzethemba okwengeziwe kulowo ongase abe ngumtshali-zimali ukuthi uvumelanise uhlelo lwakho lwesimo sethiyori (nomhlaba wangempela); Kodwa inzuzo engokwemvelo yokucwaninga izibalo zezezimali ukuthi empeleni unohlelo oluthembeke kakhulu oluzogcina lubonise ukuphambuka okuncane ekusetshenzisweni komhlaba wangempela.
Iqoqo lamadokhumenti okungenzeka uwathole kulesi sigaba kukho konke ukuhlela kwakho kuzohlanganisa:
Izivumelwano
Amalayisense, Amalungelo Obunikazi Nezimpawu Zokuhweba (IP)
I-Curriculum Vitae yabasebenzi/abaphathi ababalulekile
Izinto zokumaketha / ucwaningo
Izinhlelo zezakhiwo (iziphakamiso zikamasipala)
Izithombe
Amashadi, imidwebo, amagrafu
Yintoni elandelayo?
Manje njengoba usudlule ekuhlaziyeni okuhlela kwebhizinisi lokukhiqiza izitini, sekuyisikhathi sokuhlanganisa isiqondiso (uthethelele i-pun).
Nakuba lo mhlahlandlela usebenzise isakhiwo ukuze uhlanganise uhlelo lokusebenza, ungesabi uma kuziwa ekuphumeni kuleso sakhiwo. Inqobo nje uma uhlelo lwakho lwebhizinisi lunokugeleza okunengqondo, lungagayeka kalula ngumfundi futhi ekugcineni lupende isithombe sempumelelo, ungathuthukisa. Ekupheleni kosuku, uzama ukuthola imali kumtshali-zimali; ungathumeli umsebenzi wesikole wasekhaya. Uma wenza uhlelo lwebhizinisi lokuzama ubuciko bokudala, ukwethula uhlelo lwebhizinisi ngendlela yenoveli kungase kudayise umbono wakho kangcono (Ngaphandle kokugcina ukuqagela kwezimali - Izibalo zemali zibalulekile!)
Funda uhlelo lwakho lwebhizinisi bese uqinisekisa ukuthi uphendule umbuzo oyisisekelo - "kungani udinga imali nokuthi kungani umtshali-zimali kufanele abe nokuzethemba"
Uma usunohlelo lwakho lwebhizinisi futhi usulungele ukwenza imali, bheka abangaba abatshalizimali nomaphi lapho ungakwazi khona. Hamba uye ekamelweni lezohwebo edolobheni lakho; thintana nebhange ukuze nixoxe ngemibandela yokubolekwa imali; thola imifelandawonye endaweni yangakini engafuna ukubambisana ukuze kwandiswe ukutholakala kwezitini endaweni; thintana nomasipala wendawo noma amakhansela endawo yangakini;
Kungumqondo omuhle futhi ukuthola ukuthi yiziphi izinhlelo zikahulumeni ezikhona ukusiza ukuqala ibhizinisi lakho. Ziningi izindlela zokuxhasa ngemali kanye noxhaso lukahulumeni ekwandiseni amabhizinisi amasha namabhizinisi. Izabelomali eziningi azisetshenziswa futhi ngenxa yalokho zehliswa ngonyaka wezimali olandelayo - yingakho uhulumeni wesifundazwe efuna ukusebenzisa imali esikhundleni sokuba nensada.
Ibhonasi: Amathiphu okugcina ohlelo lwakho lwebhizinisi
Sebenzisa izithombe ezinhle zokuma ngobude zethimba labaphathi. Isithombe esihle sizobonisa uhlelo oluhle lwebhizinisi.
Yenza isethulo - izikhathi eziningi uhlelo lwebhizinisi luzosheshisa umhlangano nalabo abangaba abatshalizimali. Ungaba nengxoxo elula ngohlelo lwebhizinisi noma ungaba nesethulo esenziwe ngomumo ukuze ubahlabe umxhwele.
Thatha isampula - ibhizinisi elokwenza izitini futhi noma isampula yesitini kungewona umkhiqizo wakho, yengeza ukujula kwangempela esizathwini sokucela imali. Kuyaphatheka.
Ubufakazi. Kuyisidingo sanoma iyiphi incwadi futhi kwenza umthelela omkhulu ohlelweni lwebhizinisi - thola ireferensi yomlingiswa wobambiswano lwangaphambilini ukuze uqhubeke unxenxela abatshalizimali esimweni sokwethenjwa.
Yenza izinhlelo zebhizinisi ezimbili noma ezintathu njengesipele kubatshalizimali bamazinga ahlukene okuzinikela kwezezimali. Uma umtshali-zimali efuna ukutshala imali eningi noma encane, yiba nezinye izinketho ezilungile - lokhu kuzobonisa ukulungela kwakho kahle.
Phrinta uhlelo lwakho lwebhizinisi, lubophe futhi ulethule kulowo ongase abe ngumtshali-zimali ngqo. Ngisho nangalezi zikhathi zobhubhane, abantu ngeke baphendule kahle izicelo zemali ezinkulu nge-imeyili. Yenza umzamo wokubonisa inhlonipho yakho.
Vumela ukugxekwa okuvela kulowo ongase abe ngumtshali-zimali. Ukuthi ucela imali futhi banemali yokunikela kuyakhombisa ukuthi basesimeni esinolwazi ngempilo. Thatha iseluleko sabo kanye nempendulo mayelana nesiphakamiso sakho sebhizinisi ngokubonga; esikhundleni sokuzithatha mathupha. Uma besazimisele, yenza izinguquko bese ubuyela kubo nohlelo lwakho olubuyekeziwe.
Ungaqali impi yokubhida phakathi kwabatshalizimali. Uhlelo lwakho lwebhizinisi aluyona indali - uma utshela abatshalizimali ukuthi unabanye abatshalizimali bese uzama ukubaphuthumisa esinqumweni, kungenzeka bavele balilahle ithuba lakho.
Uma kungenzeka, zama ukuheha abatshalizimali abangakululeka. Ngokungafani nebhange, elizobe lingenandaba ngaphandle kwamaqiniso ethulwe, umtshali-zimali uzofuna ukubona ukutshalwa kwezimali kwakhe kuphumelela. Ungavimbeli ongase abe umeluleki wakho ngemibuzo eminingi; kodwa zama ukufuna izeluleko ngezikhathi zokungaqiniseki okukhulu. Kuwubambiswano phela.
Inhlanhla, somabhizinisi. Thumela izithombe nezindaba zempumelelo yakho! Futhi khumbula ukuthi impumelelo uhambo, hhayi lapho uya khona.