Ukulawula iimali zakho yinxalenye ebalulekileyo yokuqhuba ishishini elinempumelelo, kwaye isaphulelo se-invoyisi sinokuba sisixhobo esixabiseke kakhulu sokusiphumeza.
E-Indiya, maninzi amathuba otyalo-mali akhoyo ngoku, kodwa utyalo-mali kwizaphulelo ze-invoyisi lukhule ngokuthandwa phakathi kwabatyali-mali bemihla ngemihla ngenxa yeenzuzo zalo ezininzi.
Yintoni isaphulelo se-invoyisi?
Isaphulelo se-invoyisi kuxa ishishini linokuthengisa i-invoyisi engahlawulwanga ngenxalenye yexabiso layo. Ngaphambi kokuba ishishini lifumane imali, umbolekisi ujonga umngcipheko wakhe ngokusekelwe kwizinto ezahlukeneyo, kodwa ubukhulu becala kwindlela iinkampani ezithembeke ngayo ezityala imali kwii-invoyisi.
Emva kovavanyo, umboneleli-mali uya kunika imigaqo echaza ukuba yimalini eliya kufunyanwa lishishini kunye nentlawulo yokubonelela ngenkonzo yesaphulelo.
Imarike igcwele iinkampani ezibonelela ngesaphulelo se-invoyisi, zinika abanini bamashishini iqonga lokuthengisa kunye nabatyali-mali abathengisa ithuba lokuthenga ii-invoyisi ezenziwe ngamashishini athembekileyo. Ngale nto, amashishini anokufumana ufikelelo kwinkunzi yokusebenza ngee-invoyisi ezingahlawulwanga ezikhutshelwe iinkampani ezikufanelekelayo ukuba ngamatyala.
Ngaphezu koko, iindleko ezinxulumene nayo zifanelekile, kwaye abatyali-mali banokufumana ngokukhawuleza imbuyekezo kutyalo-mali xa bethenga ii-invoyisi eziseleyo ngesantya esimiselweyo senzala. E-Indiya, isaphulelo se-invoyisi ibe lukhetho oludumileyo lwenkxaso-mali kumashishini njengoko inokubonelela ngokuhamba kwemali ngoko nangoko xa kuthelekiswa nemali mboleko yebhanki eqhelekileyo.
Ke ngoko, ndiphande uluhlu lwe-12 elona qonga lesaphulelo kwi-invoyisi ukukunceda ukhethe enye ngokweemfuno zakho. Makhe sijonge kubo nganye nganye.
KredX
Ukuba ukhangela umngcipheko ophantsi, ithuba lemali elinomvuzo ophezulu onokufezekiswa kwinyanga enye ukuya kwezintathu, iKredX ifanele ukuphononongwa.
Ayiboneleli kuphela ngamava e-intanethi ngokupheleleyo, kodwa ikwenza ukwazi ukwahlula utyalo-mali lwakho kumacandelo awohlukeneyo ngee-invoyisi ezingahlawulwanga ezivela kumashishini ahlukeneyo.
Iimbonakalo:
- Umngcipheko ophantsi, imbuyekezo ephezulu kubatyali-mali.
- Ubuncinci bembuyekezo ye-12 - 20% ngonyaka.
- Umjikelo wotyalo-mali okhawulezayo - 30 ukuya kwiintsuku ze-90.
- Yongeza, urhoxise kwaye ulawule iimali zakho ngokulula.
I-invoyisimart
Ngaba ujonge isisombululo esithembekileyo sokujongana nezithintelo zenkunzi yokusebenza ezijongene nazo ii-MSMEs? I-invoicemart inomqolo wakho. Liqonga leNkqubo yezaphulelo zoRhwebo ngombane (i-TReDS) esekwe ngokudibeneyo yiBhanki ye-Axis kunye neenkonzo ze-mjunction, ibonelela ngofikelelo olungenazinkathazo kumajelo enkxaso-mali ukonga ixesha, imali, namandla.
I-invoicemart ibisebenza ukusukela ngoJulayi ka-2017, ibonelela ii-MSMEs ngeqonga le-intanethi lokunciphisa iimali ezifunyenweyo. Ifikeleleka kuphela kwiiBhanki, ii-NBFC, ii-HUF, i-Sole Proprietorships kunye ne-Public or Private Limited Companies. Ngelishwa, abatyali-zimali abathengisayo abakwazi ukufikelela kule nkonzo njengoko le portal yaphuhliswa ngokukodwa ukusetyenziswa kwee-MSME's - akukho mntu wumbi!
Iimbonakalo:
- Ungayifumana intlawulo kwiiyure ezingama-24 zokuthengisa i-invoyisi.
- Ukufikelela kwiintlobo ngeentlobo zababolekisi ngeendleko ezifanelekileyo zenkxaso-mali
- Fumana intlawulo yezinto ezifunyenweyo kwaye ungangeni naliphi na ityala kwiincwadi zakho.
- Imvelaphi ekhuselekileyo kunye neenkqubo zokuhlala ezisekelwe kwiteknoloji.
- I-UI egqwesileyo kwiklasi enengqondo.
RXIL
I-RXIL, intsebenziswano phakathi kwe-SIDBI kunye ne-NSE ukuququzelela inkxaso-mali ye-MSMEs e-Indiya, yasungula i-TReDs- iqonga elilawulwa yi-RBI. Le yayiyiyo iziko lokuqala ukuba ivunywe yi-RBI ukuba isebenze inkqubo enjalo eye yaguqula imali kwiiBhanki, i-NBFC, i-corporate, iinkampani zabucala eziqingqiweyo, kunye namanye amashishini agunyazisiweyo yi-RBI.
Iimbonakalo:
- Ukuthotyelwa koMthetho we-MSMED ka-2006.
- Ulawulo olunenzuzo yokuhamba kwemali.
- Iindleko ezincitshisiweyo kunye namaphepha.
- Ukucaca okuphezulu.
- Elona xabiso lesaphulelo lihle ngenxa yabaxhamli bezimali abaninzi abathatha inxaxheba kwifandesi.
- Ulwabiwo lwemali olusebenzayo.
- Irisithi yentlawulo ngexesha.
- Iluncedo kulwandiso lweshishini ngenxa yokunyuka kwemali yokuhlawula amatyala.
M1 Xchange
I-M1xchange yindawo yokuthengisa apho unokuthengisa ii-invoyisi zentengiso ezingahlawulwanga kwiibhanki nakwamanye amaziko emali. Oku akunikezeli nje iqonga elifanelekileyo kubathengisi, kodwa kwakhona kubanika ukufikelela kwiinketho ezikhuselekileyo nezithembekileyo zemali.
UMthetho woHlaziyo kunye neNtlawulo ka-2007 waseka iphothali yenguqu, i-M1xchange. Eli qonga lenza abarhwebi kuwo onke amashishini amancinci naphakathi aseIndiya ukuba athengise amatyala kunye nesaphulelo se-invoyisi. Abathathi-nxaxheba abaphambili kolu tshintshiselwano baquka amashishini amancinci ahlukeneyo naphakathi (ii-MSMEs), amaqumrhu, iiyunithi zecandelo likarhulumente, ii-arhente zikarhulumente, iibhanki kunye neeNkampani zeZimali ezingezizo iiBhanki (NBFCs).
Iimbonakalo:
- Iqonga le-intanethi elibanzi lokuququzelela isaphulelo semali ezifunyenweyo.
- Isaphulelo se-invoyisi ngexesha lokwenyani kunye novavanyo lomngcipheko kunye nenkqubo yovavanyo lwetyala.
- Intlawulo yemali ngoko nangoko.
- Akukho sibambiso sifunekayo.
Umthengisi oPhambili
Umthengisi oPhambili liqonga eliguquguqukayo elisekelwe kwilifu elisebenzisa ubukrelekrele beArtificial ukucutha iindleko kunye namatyala. Le nkqubo ikhethekileyo inokufikelelwa kuphela ngesimemo esithunyelwe ngokuthe ngqo kuMthengisi oPhambili kumashishini athe afikelela iziqinisekiso zawo.
Umthengisi oPhambili wenze intsebenziswano neenkampani ezidumileyo, ezifana neGodrej Consumer goods, TVS, Dabur, kunye neWhirlpool - ukukhankanya nje ezimbalwa!
Iimbonakalo:
- Inkqubo yolawulo lwamatyala oluzenzekelayo.
- Ukudityaniswa lula kunye neenkqubo zoshishino ezikhoyo.
- Ukuqinisekiswa kwezinto ezininzi kwiintengiselwano ezikhuselekileyo.
- Ixesha lokucubungula eliphantsi kunye nezisombululo zenkxaso-mali ezingabizi kakhulu.
- Ukhetho lokukhetha kubabolekisi abahlukeneyo ngenzala engcono.
- Inkqubo yovavanyo olubanzi lwetyala.
Iqela leFalcon
IQela le-Falcon eIndiya liqonga lesaphulelo le-invoyisi elibalaseleyo le-P2P, elidibanisa abatyali-mali kwiinkampani ezithembekileyo zeemali mboleko ezingenamngcipheko ongagqibekanga.
Ngokususa imfuno yabameli, njengeebhanki zorhwebo kunye namaziko okugcina imali, abonelela ngembuyekezo ephezulu kuneendlela zebhanki eziqhelekileyo ngelixa zibonelela ngemali eyimfuneko.
Oku kuqinisekisa ukuba abatyali-mali banokufikelela kubaboleki ngaphandle kokuphazamiseka okanye ukuxhalaba okunokuthi kwenzeke.
Iimbonakalo:
- Ukuzuza imbuyekezo kwisithuba senyanga enye ukuya kwezine.
- Tyala ubuncinci be-1.5 lacs kubaboleki abathembekileyo nabathembekileyo abaye bavavanywa ngokucokisekileyo.
- Yenza ingeniso yenyanga ngaphandle kwentlawulo okanye iindleko ezongezelelweyo.
TradeCred
I-TradeCred yindawo yemarike apho abatyali-mali abaqhelekileyo banokutyala imali kwisaphulelo se-invoyisi. Inkqubo yenza ukuba amashishini afumane inkxaso-mali yexesha elifutshane kubatyali-mali ngendlela ecacileyo. Ibonelela ngezinga elingcono lembuyekezo kunezitokhwe kunye nee-FDs ngelixa ingenabungozi kangako. Isiza sibandakanya uyilo olulula ukulusebenzisa, kwaye yifomu yeGoogle kuphela efunekayo ukwenza iakhawunti.
I-TradeCred isebenzisa iinkqubo zokhuseleko ezingqongqo kwaye iqinisekisa ukuba umbutho ofaka iodolo ufanelekile na okanye hayi. Kukwakho nengozi encinci kuba ifumaneka kubo bonke abatyali-zimali ngabanye. Ngenxa yoko, lukhetho olukhulu kuye nabani na ojonge ukuthatha inxaxheba kwicandelo lezaphulelo ze-invoyisi.
Iimbonakalo:
- Kulula ukusebenzisa i-app yeselula.
- Nanini na ukufikelela kwimali yakho.
- Qala ukutyala imali encinci njenge-INR 1 lakh
- Iindlela ezininzi zokwenza ingeniso, kubandakanya i-invoyisi ye-Blue chip, i-Leasing, ityala le-AA, kunye neebhondi ezizimeleyo
IiFlexiloans
I-FlexiLoans ithatha indima yombolekisi endaweni yokuba ngumququzeleli. Ngemveliso yabo yokuboleka, iFlexi Vendor Financing, ii-SME zinokufumana lula amatyala athotyiweyo. Eli qonga libonelela ngezisombululo zenkunzi ekhawulezayo yokusebenza ngenkqubo yokuvunywa ethatha ngaphantsi kweeyure ezingama-72.
Ukunciphisa imingcipheko yayo, inkampani ifuna ukuba abafaki-zicelo babekwishishini ubuncinci unyaka omnye, kunye nengeniso yonyaka efikelela kwi-INR 20 lakh kunye nenzuzo engaphezulu kwe-INR 5 lakh. Ngaphaya koko, iinkampani kufuneka zibhaliswe njengababoneleli bee-blue-chip corporation.
Iimbonakalo:
- Umthengisi ufumana inzala kwimali ebolekiweyo. Eli zinga lidlula zonke ezinye.
- Umthengisi ufumana izabelo kwinkampani ebolekayo.
- Izinto ezithengiweyo zithandeka ngakumbi, zehlisa uvakalelo lwamaxabiso.
- Ukufumana kwenkampani ebolekayo kuhamba kakuhle kuba ayifuni mboleki.
- Iinketho zokuqeshisa zenza ukuba ababoleki baphephe intlawulo epheleleyo, ukunceda amashishini anemali.
Ii-invoiceTrades
I-Invoice Trades yi-tech-enabled platform ejolise ekunyuseni ukuhamba kwemali kwiimfuno zokusebenza, ukukhawulezisa ukwandiswa, kunye nokugcina inqanaba eliphezulu lemfihlo.
KuRhwebo lwe-invoyisi, bazimisele ekwandiseni ixabiso lepotfoliyo yakho ngamaxabiso angcono ngokunikezela ngoluhlu lwezibonelelo eziluncedo zesaphulelo se-invoyisi kunye nokhetho lwenkxaso-mali ye-invoyisi kunye nesixa esincinci somngcipheko.
Iimbonakalo:
- Ukufikelela ngexesha lokwenyani kwimali esebenzayo
- Imali-mboleko ekhawulezileyo kwii-invoyisi ezisalindileyo
- Iintengiselwano ezikhawulezayo nezikhuselekileyo
- Iqonga elisebenziseka lula elinenkqubo yokujonga uxwebhu oluzenzekelayo
- Iitshekhi zokuthobela ezizenzekelayo
Cima isaphulelo kwi-invoyisi
Sula isaphulelo se-invoyisi liqonga elibonakalayo nelinamandla elinceda amashishini alawule ukuhamba kwawo kwemali ngendlela efanelekileyo. Ngokusebenzisa inkqubela phambili yamva nje kwi-AI kunye neTekhnoloji yokuFunda ngoomatshini, amashishini anokufaka isicelo ngokulula kwizaphulelo xa efaka i-invoyisi kubaboneleli bawo, okukhokelela kwiintlawulo ezikhawulezayo kunye nokuphuculwa kolawulo lwempahla.
Xa kufikwa ekufumaneni iintlawulo zakwangoko kubaboneleli-nkonzo, abathengi ngoku banokufaka ii-invoyisi ngokuthe ngqo kuyo nayiphi na indawo yentengiso ye-TReDs exhaswa liqonga lesaphulelo le-invoyisi elicacileyo endaweni yokusebenzisa imali yabo eyimali eyintsalela okanye bafake isicelo soluhlu lwetyala kwiibhanki. Oku kuqinisekisa ukuba abathengi banolawulo olupheleleyo kwizigqibo zentlawulo kunye nokunyuka kwexabiso lokuhlawula amatyala ngeendleko ezincitshisiweyo.
Iimbonakalo:
- Fumana imali ephindwe ka-2-5 ngelixa ungenzi ndleko.
- Lawula abathengisi ngedijithali. Yandisa ukubandakanyeka kathathu.
- Thatha ithuba lokufumana inkxaso-mali eguquguqukayo yokuhlawula kwangethuba.
- Ukusebenzisa udibaniso olufutshane lwe-ERP, yiya kwi-intanethi ngeentsuku.
- UNondyebo, i-TReDS, iiBhanki, kunye nee-NBFC ziinketho zakho zenkxaso-mali esekwe kwiqonga.
UpScale
I-UpScale nguCredAble yi-AI ephucukileyo kunye neqonga letekhnoloji elihambelana nawe nababolekisi abathembekileyo, eqinisekisa ukuba ufumana inzala ekhuphisanayo.
Ngenkqubo yesicelo enye elula engadingi maphepha, ungafaka isicelo sababolekisi abanomtsalane abangama-30+ - bonke ngaphandle kokushiya isihlalo sakho! Yintoni egqithisile?
Ynawe uyakuxhamla kulwamkelo lwabo olukhawulezayo kunye namaxesha okuhlawula (ngaphakathi kweentsuku ezimbini zokusebenza)!
Iimbonakalo:
- Advanced AI kunye neqonga tech.
- Inzala ekhuphisanayo.
- Ukuvunywa ngokukhawuleza kunye nokukhutshwa.
- Uthungelwano lombolekisi olubanzi.
- Akukho maphepha afunekayo.
Finworks360
I-Finworks360, iyunithi ye-Northern Lights Ventures Private Limited, iphakathi kwababoneleli bezisombululo zezemali zeshishini kwi-intanethi eIndiya.
I-Finworks360 iququzelela unxibelelwano phakathi kwabathengisi kunye nabatyali-mali kwaye inikezela ngovavanyo lwetyala kunye nokutshekishwa kwamashishini asebenza kweli lizwe. Ima ngaphandle kuyo nayiphi na enye indawo yorhwebo efumanekayo njengoko ibonelela ngeenkonzo ezibanzi eziboleka ukuthembeka kwilinge lakho.
I-Finworks360 yiqonga eliqinisekisiweyo le-ISO eliphumelele ngempumelelo zombini i-ISO 9001: 2015 (iNkqubo yoLawulo loBulunga) kunye ne-ISO 27001: 2013 (iNkqubo yoLawulo loKhuseleko loLwazi).
Ukuzahlula kwezinye iindawo zemarike ezifunyenweyo, i-finworks360.com igxile ekufumaneni kwakhona ii-akhawunti ezifunyenweyo kunye neenkqubo zolwakhiwo. Ngaphaya koko, banika abatyali-zimali- Abantu ngabanye/iiNkampani/iiBhanki/NBFCs- ukhetho olulodwa lokuphuma kwangethuba ngemodyuli yemarike yesibini.
Iimbonakalo:
- Imali ye-invoyisi ngaphandle kokubambisa okanye izabelo.
- Inkxaso-mali ukuya kuthi ga kwi-95% yesixa se-invoyisi yeshishini lakho. Iinkqubo zikhawuleza, kwaye intlawulo ikhutshwa kwiiyure ezingama-24 ukuya kwezingama-72.
- Iqela lolawulo lwamatyala eFinworks 360 lilawula ii-invoyisi kunye noqokelelo lweshishini.
Isaphulelo se-invoyisi sisixhobo esisebenzayo sokuba iinkampani zifikelele kwinkunzi yokusebenza kwaye zonyuse imali yokuhlawula amatyala.
Ngoncedo lwesaphulelo se-invoyisi, amashishini anokulawula ngokulula ukuhamba kwemali ngaphandle kokukhathazeka malunga nexesha elide lokulinda.
Ndiyathemba ukuba esi sikhokelo sikuncede ukuba uqonde ngcono isaphulelo se-invoyisi kunye nezisombululo ezahlukeneyo ezinokukunceda wenze okuninzi kuyo.
Shiya iMpendulo