Ama-FAQ ama-Corporate Credit

Ukuqala kwebhizinisi nezinsizakalo zokuvikela impahla.

Thola Ukuhlanganiswa

Ama-FAQ ama-Corporate Credit

Kuyini Corporate noma Business Business?

I-Corporate Credit, noma i-Business Credit, yisikweletu esitholwayo futhi esinikezwe inkampani noma ibhizinisi kunokuba umuntu oyedwa. Lesi sikweletu sibalulekile ekusunguleni nasekulondolozeni ubudlelwano bebhizinisi noma basebhange nabantu abangase babakweletise, abathengisi, abalingani bebhizinisi, noma amakhasimende. Lokhu kungenxa yokuthi "iphrofayili yesikweletu" esungulwe izinhlangano ezahlukahlukene zokubika izikweletu, nezilinganiso ezilandelayo zesikweletu, zisuselwa kumlando wakho wesikweletu owedlule nowamanje, phakathi kwezinye izinto ezibalulekile. Le ndlela yokuqhafaza neyokulinganisa isetshenziswa ngababolekisi abangaba khona, abathengisi, amaklayenti, noma ophathina bebhizinisi ukukala ukuthi ithembeke kangakanani inkampani yakho nokuthi iyakwazi yini ukwengeza isikweletu enkampanini yakho, noma ukufaka inkampani yakho ebudlelwaneni bebhizinisi. Lobu budlelwano bungaba imali mboleko yokusebenza enkampanini yakho noma enhlanganweni, ekuqashiseni impahla, ekuhlinzekeni izinto zokusebenza, njll. Ukwakha Isikweletu Senkampani nokuligcina kubalulekile empilweni nasempilweni yebhizinisi lakho, futhi kunomthelela omkhulu endleleni inkampani yakho eyiyo ibonwa yizwe lonke lebhizinisi.

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umakhi wezikweletu ezinkampani

Uma Ngakha Isikweletu Sebhizinisi, Ingangizuzisa Kanjani Inkampani Yami?

Izinzuzo zokusungula ibanga Lobumbano Lenkampani kusuka kuzinkinga ezilula zokusebenza, yonke indlela yokuvumela inkampani yakho ibhekane nokuhlolisiswa kusuka kwiklayenti okungenzeka ukuthi ilinganise ukuthi inkampani yakho ithembeke kangakanani futhi ifundeka kangakanani ngokuthi ifunda kahle kangakanani iphrofayili yakho yesikweletu.

Ngombono wokusebenza, ukusungula i-Corporate Credit kukuvumela ukuthi wenze izinto ezinjengokuthenga izimpahla, ukhokhe izikweletu, uqhubeke nokusebenza, uqashe abanye abasebenzi, unxephezele ukuthola phansi noma ukukhuphula ibhizinisi, njll., Ngaphandle kokuqeda impahla ebalulekile ye-liquid. Uma usungula isikweletu sebhizinisi uzoqinisekiswa ukuthi ibhizinisi lakho linamandla okuphendula ngokushesha ezidingweni zemakethe noma ekukhuleni. Isibonelo, ngenkathi ukukhuphuka kwama-oda noma ibhizinisi kuvame ukuba yinto enhle, ukuba nezindawo ezifanele zesikweletu zokuvumela inkampani yakho ukuphendula kulezi zimfuno ngokunika amandla ukwanda kwamanani okusebenza ngaphandle kokuthi “ngaphambili imali” kuzohamba ibanga elide ekuqinisekiseni impendulo engcono kakhulu ekwandeni. Ezinye izinzuzo zifaka phakathi ukuthi izikhungo eziningi zokubolekwa, abahlinzeki bokuqasha, njll., Zisekela amanani emalimboleko kulokho Iphrofayela Yesikweletu Sebhizinisi nokukalwa okuyikho kwinkampani yakho. Ukuba nesikweletu esisunguliwe kungaholela ekugcinweni okukhulu kumazinga emali yenzalo kanye nemigomo yokuqashisa evumelana kakhulu neyimali mboleko.

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Kungani kungafanele Ngisebenzise Iphrofayili Yami Yesikweletu eqondene neBhizinisi Lami noma Inhlangano Yami?

Kusebenzisa iphrofayili yakho yesikweletu, eyaziwa nangokuthi "Iphrofayili Yomthengi Wekhredithi," esikhundleni sokusungula iBhizinisi Elifanele noma I-Corporate Card kuwumbono omubi emingceleni eminingi. Okufana nokuqinisekisa noma yikuphi ukubolekwa kwemali ezinkampani noma izikweletu uqobo, noma "ukuhlanganisa ndawonye" kwezimali ezihlanganisiwe nezomuntu siqu, noma impahla, ukusetshenziswa kwephrofayli yakho yeKhasimende yeKhredithi yomuntu ngamunye ukuze kusizakale noma ukusebenza kwenkampani kungaholela ekuzimiselweni kwe- izinhlangano ezilawula noma zezimali, nokubhobozwa kwesihenqo sebhizinisi. Lokhu kungabeka engcupheni impahla yomnikazi uqobo futhi yenze umnikazi noma abanikazi bakhe babhekane ngqo nezinhlawulo noma ukukhokha noma yiziphi izikweletu ezenziwe yinkampani noma yinhlangano. Kuhlale kuwumbono omuhle ukwakha isikweletu sebhizinisi kunokulahla ifomu lebhizinisi ngokuhlanganiswa kwezimali-futhi lokhu kufaka "ukuhlangana" kwamaphrofayili wesikweletu.

Okunye ukungathandeki kokusebenzisa i-Consumer yakho Iphrofayili esikhundleni sebhizinisi elifanele noma iNkampani Yezikweletu ukuthi ukusetshenziswa kwesikweletu sakho ekusebenzeni kwenkampani kungahambisana nomphumela wangempela wokwenza inkampani yakho ibonakale ixhaswe ngemali noma isebenze, noma ingahle iphule ngokungafanele ukuthi isikweletu sakho sebhizinisi asithembekile, asithembekile, noma silingane. Lokhu kuhlanganiswa futhi yukuthi kunemithetho ehlukile nezinqunto zokunikezwa kwesikweletu somthengi, nokuthi yini evamile futhi evumelana neProfayili Yezikweletu Eyi-Corporate, okufana nokusebenzisa okuningi kwesikweletu okuyindaba ejwayelekile ye-a ibhizinisi, kungaba nomthelela ongemuhle kuphrofayili Yesikweletu Sabathengi.

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Yiziphi izinto ezinye izinkampani noma izikhungo ezibolekayo ezifunwa yiphrofayili yobambiso yebhizinisi noma yebhizinisi?

Kunezici ezimbalwa ezakha iphrofayili yesikweletu yenkampani, kepha ingafushaniswa ngamaphoyinti ambalwa abalulekile. Lezi zinto zibhekwa ngababolekisi abangaba khona (izikhungo ezibolekayo, amabhange, njll.), Futhi nangabathengisi abangaba khona kanye namakhasimende ngaphambi kokuthatha isinqumo sokukhipha imali mboleko, ukukhulisa imalimboleko, noma ukubandakanya inkampani yakho ebhizinisini lebhizinisi.

Lezi zinto zingokulandelayo:

  • Amafa: Lesi yisilinganiso esisodwa esibaluleke kakhulu. Yini inkampani yakho? Ingabe inkampani yakho inemali eyikhulu noma yezimpahla ezisebenzayo ukuze ibuyise imali? Iphilile kangakanani ishidi layo ibhalansi? Ingakanani imali yokusebenza? Lokhu mhlawumbe kuyinto ebaluleke kakhulu futhi ebhekwa kaningi kakhulu lapho kuthathwa isinqumo sokuthi inkampani yakho noma inkampani iyakufanelekela yini ukukhokha isikweletu.
  • Ikhono: Ngabe ibhizinisi lakho noma inkampani yakho ingabuyisa imali mboleko yayo? Ngokuthembekile, inkampani yakho ibuyisele kanjani imalimboleko yayo esikhathini esedlule? Ngabe izinkokhelo zazifike ngesikhathi? Unikezwe isikweletu esingakanani inkampani yakho? Ngobani? Isizwele isikweletu esingakanani? Ingabe ikhona imigqa yesikweletu ehlukile noma engasetshenziswanga? Yonke le mibuzo idlala indima enkulu ekunqumeni kwesikweletu kumuntu onakho ukukhokha imali mboleko yakho.
  • I-Acumen: Ngabe isikhathi esingakanani inkampani yakho isebhizinisini? Iphilile kangakanani ibhizinisi lakho? Kuqhutshwa kanjani? Ngabe isebenza kuluphi uhlobo lwezomnotho? Kungumkhakha onciphayo (cabanga typewriters typew in 90's mapema)? Kwenziwa kanjani isitoko? Iqasha abantu abangaki? Ingabe sikhona isibalo esibalulekile sokwahlulela noma amanga maqondana nayo? Ingabe iveza kalula lezi zinto? Amandla webhizinisi lakho ukuhlala ebhizinisini futhi yinto ebaluleke kakhulu ebhekwa abanye lapho uzama ukusungula isikweletu sebhizinisi.

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Ngubani Olinganisa isikweletu sami Sobumbano?

Kunama Firms ambalwa alandelela Izikweletu Zobumbano nezinye “Izinkomba zezebhizinisi.” Noma onke lawa ma Firms esebenzisa izindlela ezahlukahlukene zokuphatha kanye “amamaki” ukukala izinkampani, wonke aqoqa imininingwane eminingi efanayo.

Ama-Firms kuvame ukuthintwa kuwo ukuze abukeze izinkampani noma ibhizinisi lamaphrofayli e-Credit and Risk afaka:

  • I-Experian ™
  • UDunn noBradstreet (D & B ™)
  • IKlayenti lokuhlola ™
  • Isikweletu sebhizinisi i-USA ™
  • I-Equifax ™
  • I-FDInsights ™

Amanye ala ma-Firms enza amakhono amancane kumabhizinisi amancane, amanye kuwo wonke umkhawulo, kepha kubalulekile ukuthi wazi ukuthi yiziphi izindlela ezisetshenziswa ukukala noma ukufaka inkampani inkampani, nokuthi ulwela ukuhlangabezana nezindlela ezifanelekile zokugcina noma ukwenza ngcono i-Corporate yakho Isilinganiso Sesikweletu.

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Ngisithola kanjani isilinganiselo sami seCorporate Corporate Ukuthuthukisa?

Njalo lapho ukhokha ngesikhathi, enkampanini noma ebhizinisini elilinganiselwe uqobo lwawo wonke amaFirms ashiwo ngenhla, kwenziwa irekhodi kuphrofayela yakho yesikweletu. Kubalulekile ukuthi ibhizinisi osebenzelana nalo libike ezinhlanganweni ezahlukahlukene njengoba lokhu kuqinisekisa ukuthi amava akho, nezinkokhelo, ziqoshwa ngokufanele.

Gcina isikweletu sakho usibheke. Lokhu kusho ukuthi ungena esikweletini esingakanani njengoba udinga ngokusebenza, nokuthi ugcina amathebhu emgqeni wesikweletu nokunye okuxhasa ngezimali izikweletu. Isikweletu esiningi inkampani yakho enayo, inani elilinganiselwe noma imali engenayo okufanele ibe nayo ukuze ingabi nomthelela omubi kuPhrofayili yakho Yesikweletu. Izikweletu eziningi kakhulu, noma ukusetshenziswa kwemali eningi ngokweqile kwezikweletu kungathinta kabi ukulunga kwakho kwesikweletu.

Gcina iphrofayili yakho Yesikweletu Somthengi Esimweni Sakho ime kahle. Yize ama-Consumer and Corporate Credit Profiles ehlukile ngokuphelele futhi engafanele ahlobane, ababolekisi abazoba ngababolekisi noma abahlinzeka ngesikweletu bangase bahlole ngempela iphrofayili yesikweletu somthengi womnikazi (wezezimali) ukuthola umshuwalense webhizinisi. Ukuba nesikweletu sakho sabathengi esimeni esihle kungaba nomthelela omuhle ekutheni i-Corporate Card yakho kufanele ibonwe kanjani. Dlala indima ebonakalayo kuphrofayela yakho. Kubaluleke kakhulu ukuthi ubuyekeze ngenkuthalo, futhi ubambe iqhaza elibonakalayo ekunakekeleni iphrofayili yakho yesikweletu. Yenza imibiko ejwayelekile kuphrofayela yakho, unikele ngakho konke ongakwenza, futhi uqinisekise ukuthi noma yikuphi okufakiwe embikweni wakho kunembile. Futhi kuyisinyathelo esingenamsebenzi sokuqhathanisa nokuqhathanisa iphrofayili yakho nezinye izinkampani noma izinkampani ezifanayo nezakho ukubona ukuthi yiziphi izinkambiso, lapho uwe khona kulelo qembu, njll.

Funa izeluleko zesazi. Uma usukulungele ukudlala indima ebonakalayo ekusunguleni noma ekuthuthukiseni iphrofayili yakho, thintana nochwepheshe abaye bathola amarekhodi wethrekhi kule nkundla. Bazokwazi ukuhamba emanzini angaqondakali izikhathi ezithile okungaholela ekuthuthukiseni ukulungela isikweletu kanye neProfayili Yesikweletu Esemthethweni yebhizinisi lakho.

Akukwanele ukuvele ube nephrofayili yesikweletu enobumbano. Ukuze uhlale ngaphambi kwephakethe kulezi zimakethe ezincintisana kakhulu, ukusungula iphrofayili yesikweletu sebhizinisi ecatshangwe kahle, nokwenza ngcono ukuma kwayo, kungakhokha imali enkulu ekufumaneni wena nenkampani yakho.

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