Kuwongolera ndalama zanu ndi gawo lofunikira pakuyendetsa bizinesi yopambana, ndipo kuchotsera ma invoice kungakhale chida chamtengo wapatali kuti mukwaniritse.
Ku India, pali mipata yambiri yopezera ndalama yomwe ilipo pakali pano, koma kuyika ndalama pakuchotsera ma invoice kwakula kutchuka pakati pa osunga ndalama tsiku lililonse chifukwa cha zabwino zake zambiri.
Kodi kuchotsera ma invoice ndi chiyani?
Kuchotsera ma invoice ndi pamene bizinesi ikhoza kugulitsa invoice yosalipidwa pamtengo wake. Bizinesiyo isanapeze ndalama, wobwereketsa amawunika kuopsa kwake potengera zinthu zosiyanasiyana, koma makamaka momwe makampaniwo alili odalirika omwe ali ndi ngongole zama invoice.
Pambuyo pakuwunika, wopereka ndalama adzapereka mawu osonyeza kuchuluka kwa ndalama zomwe bizinesi ipeza komanso chindapusa chopereka chithandizo chochotsera.
Msikawu umadzaza ndi makampani omwe amapereka kuchotsera ma invoice, kupatsa eni mabizinesi nsanja kuti agulitse ndi ogulitsa ogulitsa mwayi wogula ma invoice opangidwa ndi mabizinesi odalirika. Ndi izi, mabizinesi amatha kupeza ndalama zogwirira ntchito pogwiritsa ntchito ma invoice osalipidwa omwe aperekedwa kumakampani omwe ali ndi ngongole.
Kuonjezera apo, mtengo wokhudzana ndi izo ndi womveka, ndipo osunga ndalama amatha kubweza ndalamazo nthawi yomweyo akagula ma invoice omwe atsala ndi chiwongoladzanja chokhazikika. Ku India, kuchotsera ma invoice kwakhala njira yodziwika bwino yopezera ndalama mabizinesi chifukwa imatha kupereka ndalama mwachangu poyerekeza ndi ngongole yanthawi zonse kubanki.
Chifukwa chake, ndafufuza mndandanda wa nsanja 12 zochotsera ma invoice kuti zikuthandizeni kusankha imodzi malinga ndi zomwe mukufuna. Tiyeni tiyang'ane pa iwo mmodzimmodzi.
KredX
Ngati mukuyang'ana mwayi wopeza ndalama zochepa komanso wopindulitsa kwambiri womwe ungakwaniritsidwe mkati mwa mwezi umodzi kapena itatu, KredX ndiyofunika kufufuza.
Sikuti zimangopereka chidziwitso chapaintaneti, komanso zimakupatsani mwayi wosintha ndalama zanu m'magawo osiyanasiyana ndi ma invoice osalipidwa ochokera m'mafakitale osiyanasiyana.
Mawonekedwe:
- Chiwopsezo chochepa, kubweza kwakukulu kwa osunga ndalama.
- Kubwezera kochepa kwa 12 - 20% pachaka.
- Kuzungulira kwachuma mwachangu - masiku 30 mpaka 90.
- Onjezani, chotsani ndikuwongolera ndalama zanu mosavuta.
Invoicemart
Mukuyang'ana njira yodalirika yothanirana ndi zopinga zogwirira ntchito zomwe ma MSME amakumana nazo? Invoicemart ili ndi kumbuyo kwanu. Ndi nsanja yamagetsi ya Trade Receivables Discounting System (TReDS) yokhazikitsidwa pamodzi ndi Axis Bank ndi ntchito za mjunction, zomwe zimapereka mwayi wopeza ndalama kuti musunge nthawi, ndalama, ndi mphamvu popanda zovuta.
Invoicemart yakhala ikugwira ntchito kuyambira Julayi 2017, kupatsa ma MSME nsanja yapaintaneti kuti achepetse ndalama zomwe amalandila. Imapezeka kokha ndi Mabanki, NBFCs, HUFs, Sole Proprietorships ndi Public kapena Private Limited Companies. Tsoka ilo, osunga ndalama ogulitsa satha kupeza ntchitoyi chifukwa malowa adapangidwa kuti agwiritse ntchito ma MSME - palibe wina aliyense!
Mawonekedwe:
- Mutha kulandira malipirowo mkati mwa maola 24 mutagulitsa invoice.
- Kupeza obwereketsa osiyanasiyana kuti apeze ndalama zokwanira
- Landirani ndalama zobweza ndipo musabweretse ngongole iliyonse pamabuku anu.
- Kutetezedwa koyambira ndi kukhazikitsa njira zozikidwa paukadaulo.
- UI yabwino kwambiri mukalasi.
Mtengo wa RXIL
RXIL, mgwirizano pakati pa SIDBI ndi NSE kuthandizira ndalama zothandizira ma MSME ku India, idakhazikitsa TReDs- nsanja yoyendetsedwa ndi RBI. Ichi chinali bungwe loyamba kuti ivomerezedwe ndi RBI kuti igwiritse ntchito njira yotereyi yomwe yasintha ndalama za Banks, NBFCs, makampani, makampani ocheperako, komanso mabizinesi ena ololedwa ndi RBI.
Mawonekedwe:
- Kutsata lamulo la MSMED la 2006.
- Kuwongolera kopindulitsa kwa kayendetsedwe ka ndalama.
- Kuchepetsa ndalama ndi zolemba.
- Kuwonekera kwapamwamba.
- Mtengo wabwino kwambiri wochotsera chifukwa cha azandalama angapo omwe akutenga nawo gawo pakugulitsako.
- Kugawa bwino ndalama.
- Chiphaso chapanthawi yake.
- Zopindulitsa pakukulitsa bizinesi chifukwa cha kuchuluka kwa ndalama.
M1Xchange
M1xchange ndi msika komwe mungagulitse ma invoice osalipidwa kumabanki ndi mabungwe ena azachuma. Sikuti izi zimapereka nsanja yabwino kwa ogulitsa, komanso zimawapatsa mwayi wopeza njira zopezera ndalama zotetezeka komanso zodalirika.
Lamulo la Settlement and Payment Act la 2007 linakhazikitsa malo osinthira, M1xchange. Pulatifomuyi imathandizira amalonda m'mabizinesi ang'onoang'ono ndi apakatikati ku India kuti agulitse mabilu ndi ma invoice ochotsera. Ambiri omwe atenga nawo gawo pakusinthanaku akuphatikiza mabizinesi ang'onoang'ono, ang'onoang'ono ndi apakatikati (MSMEs), mabungwe, mabungwe aboma, mabungwe aboma, mabanki komanso mabungwe azachuma omwe si akubanki (NBFCs).
Mawonekedwe:
- Tsamba lathunthu lapaintaneti kuti muthandizire kuchotsera zomwe mwapeza.
- Kuchotsera ma invoice munthawi yeniyeni ndikuwunika zoopsa komanso kuwunika kwangongole.
- Kulipira ndalama pompopompo.
- Palibe chikole chofunika.
Wogulitsa Kwambiri
Priority Vendor ndi nsanja yosinthika yochokera pamtambo yomwe imagwiritsa ntchito Artificial Intelligence kuti achepetse ndalama ndi mabilu. Dongosolo lapaderali litha kupezeka kokha kudzera pa pempho lotumizidwa mwachindunji kuchokera kwa Priority Vendor kwa mabizinesi omwe akwaniritsa ziyeneretso zawo.
Priority Vendor wapanga mgwirizano ndi makampani odziwika, monga Godrej Consumer katundu, TVS, Dabur, ndi Whirlpool - kungotchulapo ochepa!
Mawonekedwe:
- Makina oyendetsera mabilu.
- Kuphatikiza kosavuta ndi njira zamabizinesi zomwe zilipo kale.
- Kutsimikizika kwazinthu zambiri pazochita zotetezeka.
- Nthawi yotsika yopangira komanso njira zopezera ndalama zotsika mtengo.
- Njira yosankha kuchokera kwa obwereketsa osiyanasiyana kuti mupeze chiwongola dzanja chabwino.
- Ndondomeko yowunika bwino ngongole.
Gulu la Falcon
Gulu la Falcon ku India ndi nsanja yotchuka yochotsera ma invoice ya P2P, yolumikiza osunga ndalama kumakampani odalirika pangongole popanda chiwopsezo chokhazikika.
Pochotsa kufunikira kwa oyimira pakati, monga mabanki amalonda ndi mabungwe osungitsa ndalama, amapereka ndalama zambiri kuposa njira zamabanki zachikhalidwe pomwe amaperekabe ndalama zofunikira.
Izi zimawonetsetsa kuti osunga ndalama amatha kupeza obwereketsa popanda kuvutitsidwa kapena kudandaula za zomwe zingachitike.
Mawonekedwe:
- Fikirani zobwerera mkati mwa mwezi umodzi kapena inayi.
- Ikani ndalama zosachepera 1.5 lacs kwa obwereka odalirika komanso odalirika omwe adayesedwa bwino.
- Pangani ndalama pamwezi popanda chindapusa chilichonse kapena mtengo.
Zotsatira TradeCred
TradeCred ndi msika komwe osunga ndalama nthawi zonse amatha kuyikapo ndalama pakuchotsera ma invoice. Njirayi imathandizira mabizinesi kukweza ndalama kwakanthawi kochepa kuchokera kwa osunga ndalama m'njira yosavuta. Amapereka chiwongola dzanja chabwinoko kuposa masheya ndi ma FD pomwe amakhala osawopsa. Tsambali lili ndi mawonekedwe osavuta kugwiritsa ntchito, ndipo mawonekedwe a Google okha ndi omwe amafunikira kuti mupange akaunti.
TradeCred imagwiritsa ntchito njira zachitetezo zokhazikika ndikuwonetsetsa ngati bungwe lomwe likuyika dongosololi ndiloyenera kubweza ngongole kapena ayi. Palinso chiopsezo chochepa chifukwa chimapezeka kwa onse omwe amaika ndalama. Zotsatira zake, ndi njira yabwino kwa aliyense amene akufuna kutenga nawo gawo pagawo lochotsera ma invoice.
Mawonekedwe:
- Yosavuta kugwiritsa ntchito pulogalamu yam'manja.
- Nthawi iliyonse kupeza ndalama zanu.
- Yambani kuyika ndalama ndi INR 1 lakh
- Njira zingapo zopezera ndalama, kuphatikiza ma invoicing a Blue chip, Leasing, AA ngongole, ndi ma sovereign bond
Flexiloans
FlexiLoans imatenga udindo wa wobwereketsa osati wotsogolera. Ndi malonda awo obwereketsa, Flexi Vendor Financing, ma SME amatha kuchotsera mabilu. Pulatifomuyi imapereka mayankho ofulumira achuma ndi njira yovomerezeka yomwe imatenga maola ochepera 72.
Kuti muchepetse ziwopsezo zake, kampaniyo imafuna kuti olembetsa akhale akuchita bizinesi kwa chaka chimodzi, ndi ndalama zapachaka zokwana INR 20 lakh ndi phindu loposa INR 5 lakh. Kuphatikiza apo, makampani akuyeneranso kulembetsedwa ngati ogulitsa ma blue-chip corporations.
Mawonekedwe:
- Wogulitsa amapeza chiwongola dzanja pa ndalama zomwe adabwereka. Mtengo uwu umaposa ena onse.
- Wogulitsa amalandira magawo kuchokera kukampani yobwereka.
- Kugula kumakhala kokopa kwambiri, kumachepetsa kukhudzika kwamitengo.
- Kupeza kwa kampani yobwereka ndikosavuta chifukwa sikufuna wobwereketsa.
- Njira zobwereketsa zimalola obwereketsa kupewa kubweza kwathunthu, kuthandiza mabizinesi omwe ali ndi ndalama.
InvoiceTrades
Invoice Trades ndi nsanja yothandizidwa ndiukadaulo yomwe ikufuna kukulitsa ndalama zoyendetsera ntchito, kufulumizitsa kukulitsa, ndikusunga chinsinsi chapamwamba kwambiri.
Ku Invoice Trades, adzipereka kukulitsa mtengo wa mbiri yanu pamitengo yabwinoko popereka maubwino angapo ochotsera ma invoice ndi njira zopezera ndalama zokhala ndi chiwopsezo chochepa.
Mawonekedwe:
- Nthawi yeniyeni yopeza ndalama zogwirira ntchito
- Ngongole zanthawi yomweyo motsutsana ndi ma invoice omwe akudikirira
- Kuchita mwachangu komanso kotetezeka
- Pulatifomu yosavuta kugwiritsa ntchito yokhala ndi makina owonera okha
- Macheke akutsatira okha
Chotsani Kuchotsera Ma Invoice
Clear Invoice Discounting ndi nsanja yodziwika bwino komanso yamphamvu yomwe imathandiza mabizinesi kuyendetsa bwino ndalama zawo. Pogwiritsa ntchito zotsogola zaposachedwa muukadaulo wa AI ndi Machine Learning, mabizinesi amatha kufunsira kuchotsera akamalipira omwe akuwapatsa, zomwe zimapangitsa kuti azilipira mwachangu komanso kuwongolera kwazinthu.
Pankhani yolandira ndalama zolipirira msanga kuchokera kwa ogulitsa, ogula tsopano atha kuyika ma invoice mwachindunji kumsika uliwonse wa TReDs mothandizidwa ndi nsanja ya Clear Invoice Discounting m'malo mogwiritsa ntchito ndalama zawo zomwe zatsala kapena kufunsira ngongole kubanki. Izi zimawonetsetsa kuti ogula ali ndi mphamvu zonse pazosankha zolipira komanso ndalama zambiri pamitengo yotsika.
Mawonekedwe:
- Pezani ndalama zochulukirapo ka 2-5 popanda ndalama.
- Sinthani ogulitsa digito. Wonjezerani kukhudzidwa katatu.
- Gwiritsani ntchito njira zina zosinthira ndalama zolipira msanga.
- Pogwiritsa ntchito kuphatikiza kwakufupi kwa ERP, pitani pa intaneti m'masiku angapo.
- Treasury, TReDS, Banks, ndi NBFCs ndizomwe mungasankhe kuti mupeze ndalama zozikidwa papulatifomu.
UpScale
UpScale yolembedwa ndi CredAble ndi nsanja yapamwamba ya AI komanso yaukadaulo yomwe imakufananitsani ndi obwereketsa odalirika, kuwonetsetsa kuti mumalandira chiwongola dzanja champikisano.
Ndi njira imodzi yosavuta yofunsira yomwe imasowa zolemba, mutha kulembetsa obwereketsa 30+ - onse osachoka pampando wanu! Ndi chiyaninso?
Ymudzapindulanso ndi kuvomera kwawo mwachangu komanso nthawi zobweza (m'masiku awiri abizinesi)!
Mawonekedwe:
- Advanced AI ndi nsanja yaukadaulo.
- Chiwongola dzanja champikisano.
- Chivomerezo chachangu ndi kubweza.
- Wide obwereketsa network.
- Palibe mapepala ofunikira.
Finworks360
Finworks360, gawo la Northern Lights Ventures Private Limited, ndi m'modzi mwa omwe amapereka njira zothetsera bizinesi pa intaneti ku India.
Finworks360 imathandizira kulumikizana pakati pa ogulitsa ndi osunga ndalama ndipo imapereka kuwunika kwa ngongole ndi macheke pamabizinesi omwe akugwira ntchito mdziko muno. Zimasiyana ndi msika wina uliwonse womwe umapezeka chifukwa umapereka ntchito zambiri zomwe zimapangitsa kuti bizinesi yanu ikhale yodalirika.
Finworks360 ndi nsanja yotsimikiziridwa ndi ISO yomwe yapeza bwino zonse ISO 9001:2015 (Quality Management System) ndi ISO 27001:2013 (Information Security Management System).
Kuti mudzisiyanitse ndi misika ina yolandilidwa, finworks360.com imayang'ana kwambiri kubweza kwa ma akaunti omwe amalandilidwa pamodzi ndi makonzedwe a mapulogalamu. Kuphatikiza apo, amapatsa osunga ndalama- Anthu Payekha/Mabungwe/Mabanki/NBFC- njira yapadera yotuluka msanga kudzera mugawo lake lachiwiri lamsika.
Mawonekedwe:
- Ndalama za invoice popanda ngongole zanyumba kapena zogawana.
- Kupereka ndalama mpaka 95% ya invoice ya bizinesi yanu. Njira zimafulumira, ndipo malipiro amamasulidwa mkati mwa maola 24 mpaka 72.
- Gulu loyang'anira ngongole ku Finworks 360 limayang'anira ma invoice ndi zopereka zabizinesi.
Kuchotsera ma invoice ndi chida chothandiza kuti makampani athe kupeza ndalama zogwirira ntchito ndikuwonjezera ndalama.
Mothandizidwa ndi kuchotsera ma invoice, mabizinesi amatha kuyendetsa bwino ndalama zawo popanda kuda nkhawa ndi nthawi yayitali yodikirira.
Ndikukhulupirira kuti bukhuli lakuthandizani kumvetsetsa bwino kuchotsera ma invoice ndi mayankho osiyanasiyana omwe angakuthandizeni kuti mupindule nawo.
Siyani Mumakonda