Ukuphatha izimali zakho kuyingxenye ebalulekile yokuqhuba ibhizinisi eliphumelelayo, futhi ukwehliswa kwe-invoyisi kungaba ithuluzi elibalulekile lokukufeza lokho.
E-India, maningi amathuba okutshala izimali atholakalayo njengamanje, kodwa ukutshala imali ezaphulelo zama-invoyisi sekukhule ekudumeni kubatshalizimali bansuku zonke ngenxa yezinzuzo zako eziningi.
Iyini Isaphulelo Serisidi?
Isaphulelo se-invoyisi yilapho ibhizinisi lingakwazi ukuthengisa i-invoyisi engakhokhelwa ingxenye yenani layo. Ngaphambi kokuthi ibhizinisi lithole imali, umbolekisi uhlola ubungozi balo ngokusekelwe ezicini ezihlukahlukene, kodwa ikakhulukazi ukuthi zithembeke kangakanani izinkampani ezikweleta imali yama-invoyisi.
Ngemva kokuhlola, umhlinzeki wezezimali uzonikeza imigomo esho ukuthi yimalini ibhizinisi elizoyithola kanye nenkokhelo yokuhlinzeka ngesevisi yesaphulelo.
Imakethe igcwele izinkampani ezinikeza isaphulelo se-invoyisi, enikeza abanikazi bamabhizinisi inkundla yokuthengisa nokudayisa abatshalizimali ithuba lokuthenga ama-invoyisi adalwe amabhizinisi athembekile. Ngalokhu, amabhizinisi angakwazi ukuthola imali yokusebenza ngama-invoyisi angakhokhelwa anikezwe izinkampani ezifanele izikweletu.
Ngaphezu kwalokho, izindleko ezihlobene nakho zinengqondo, futhi abatshalizimali bangathola imbuyiselo ngokushesha ekutshalweni kwezimali lapho bethenga ama-invoyisi asele ngenani elimisiwe lenzalo. E-India, ukwehliswa kwe-invoyisi sekuphenduke inketho ethandwayo yokuxhasa amabhizinisi njengoba kunganikeza ukuhamba kwemali okusheshayo uma kuqhathaniswa nemali mboleko yasebhange evamile.
Ngakho-ke, ngicwaninge uhlu lwenkundla yesaphulelo eyi-invoyisi engu-12 engcono kakhulu ukukusiza ukhethe eyodwa ngokwezidingo zakho. Ake sizibheke ngamunye ngamunye.
I-KredX
Uma ufuna ithuba lezezimali elinengcuphe ephansi, elinomvuzo omkhulu elingafezwa phakathi nenyanga eyodwa kuya kwezintathu, i-KredX ifanele ukuyihlola.
Ayigcini nje ngokunikeza ulwazi oluku-inthanethi ngokuphelele, kodwa futhi ikuvumela ukuthi uhlukanise utshalomali lwakho emikhakheni ehlukahlukene ngama-invoyisi angakhokhelwa avela ezimbonini ezahlukahlukene.
Izici:
- Ubungozi obuphansi, ukubuyisela okuphezulu kubatshalizimali.
- Ubuncane bembuyiselo ye-12 - 20% ngonyaka.
- Umjikelezo wokutshala imali osheshayo - izinsuku ezingama-30 kuye kwezingama-90.
- Engeza kalula, khipha futhi uphathe izimali zakho kalula.
I-invoicemart
Ingabe ufuna isixazululo esinokwethenjelwa sokubhekana nezithiyo zemali yokusebenza ama-MSME abhekana nazo? I-invoicemart ikutholile. Kuyinkundla ye-electronic Trade Receivables Discounting System (TReDS) esungulwe ngokuhlanganyela yi-Axis Bank kanye nezinsizakalo ze-mjunction, ehlinzeka ngokufinyelela okungenazinkinga eziteshini zezimali ukuze konge isikhathi, imali, namandla.
I-invoicemart ibisebenza kusukela ngoJulayi 2017, ihlinzeka ama-MSME ngenkundla ye-inthanethi ukuze anciphise okutholwayo. Ifinyeleleka kuphela ngamaBhange, ama-NBFC, ama-HUF, i-Sole Proprietorships kanye Nezinkampani Zomphakathi noma Ezizimele Ezilinganiselwe. Ngeshwa, abatshalizimali abadayisayo abakwazi ukufinyelela insizakalo njengoba le nkundla yenzelwe ukusetshenziswa ama-MSME's - akekho omunye!
Izici:
- Ungathola inkokhelo engakapheli amahora angama-24 udayise i-invoyisi.
- Ukufinyelela kubabolekisi abahlukahlukene ngezindleko zokuxhasa ezifanele
- Thola inkokhelo yezinto ezitholwayo futhi ungabi nesikweletu ezincwadini zakho.
- Izinqubo ezivikelekile zokuvela kanye nokukhokhelana ngokusekelwe kwezobuchwepheshe.
- I-UI ehamba phambili yekilasi enembile.
I-RXIL
I-RXIL, ibhizinisi elihlanganyelwe phakathi kwe-SIDBI ne-NSE ukusiza ukuxhasa ngezimali ama-MSME e-India, yethule i-TReDs- inkundla elawulwa yi-RBI. Lokhu kwakuyi- isikhungo sokuqala ukuze kuvunywe i-RBI ukuthi isebenzise uhlelo olunjalo oluguqule uxhaso lwezimali lwamaBhange, ama-NBFC, izinkampani, izinkampani ezizimele ezinomkhawulo, kanye namanye amabhizinisi agunyazwe i-RBI.
Izici:
- Ukuhambisana noMthetho we-MSMED ka-2006.
- Ukuphathwa okunenzuzo kokugeleza kwezimali.
- Izindleko ezincishisiwe kanye namaphepha.
- Ukuba sobala okuphezulu.
- Izinga lesaphulelo elingcono kakhulu eliwumphumela wabaxhasi bezimali abaningi ababambe iqhaza endalini.
- Ukwabiwa kwezimali okusebenzayo.
- Irisidi yokukhokha ngesikhathi.
- Kuzuzisa ukunwetshwa kwebhizinisi ngenxa yokwenyuka kwemali.
M1 Xchange
I-M1xchange iyindawo yemakethe lapho ungathengisa khona ama-invoyisi okuthengisa angakhokhelwa emabhange nakwezinye izikhungo zezezimali. Lokhu akuhlinzeki nje kuphela ngenkundla elungele abathengisi, kodwa futhi kubanikeza ukufinyelela ezindleleni ezivikelekile nezithembekile zezimali.
Umthetho Wokukhokha Nokukhokha ka-2007 wasungula iphothali yoguquko, i-M1xchange. Le nkundla inika amandla abahwebi kuwo wonke amabhizinisi amancane namaphakathi e-India ukuthi bathengise izikweletu kanye nama-invoyisi esaphulelo. Abahlanganyeli abakhulu kulokhu kushintshisana bahlanganisa amabhizinisi amancane, amancane naphakathi nendawo (ama-MSME), izinkampani, izinhlaka zikahulumeni, ama-ejensi kahulumeni, amabhange kanye Nezinkampani Zezezimali Ezingezona Ezamabhange (NBFC).
Izici:
- Inkundla ye-inthanethi ebanzi yokusiza ukwehliswa kwesaphulelo kokutholwayo.
- Isaphulelo se-invoyisi yesikhathi sangempela ngokuhlolwa kwengozi kanye nenqubo yokuhlola isikweletu.
- Inkokhelo yemali esheshayo.
- Asikho isibambiso esidingekayo.
Umthengisi Obalulekile
I-Priority Vendor iyinkundla yoguquko esekwe emafini esebenzisa i-Artificial Intelligence ukunciphisa izindleko nezikweletu. Lolu hlelo olukhethekile lungafinyelelwa kuphela ngesimemo esithunyelwe ngokuqondile sivela kuMdayisi Obalulekile kumabhizinisi ahlangabezane neziqu zawo.
I-Priority Vendor yakhe ubudlelwano nezinkampani ezidumile, njenge-Godrej Consumer goods, i-TVS, i-Dabur, ne-Whirlpool - ukusho nje ezimbalwa!
Izici:
- Isistimu yokuphatha ibhili ezenzakalelayo.
- Ukuhlanganiswa okulula nezinqubo zebhizinisi ezikhona.
- Ukuqinisekiswa kwezinto eziningi zokwenziwayo okuphephile.
- Isikhathi esiphansi sokucubungula kanye nezixazululo zezimali ezingabizi.
- Inketho yokukhetha kubabolekisi abahlukahlukene ukuze uthole amanani enzalo angcono kakhulu.
- Inqubo yokuhlola isikweletu esiphelele.
Iqembu le-Falcon
I-Falcon Group e-India iyinkundla evelele yesaphulelo ye-invoyisi ye-P2P, exhumanisa abatshalizimali nezinkampani ezithembekile ukuze bathole imali mboleko engenabungozi obuzenzakalelayo.
Ngokuqeda isidingo sabalamuli, njengamabhange okuhweba nezikhungo ezigcina imali, bahlinzeka ngembuyiselo ephezulu kunezindlela zamabhange ezivamile kuyilapho besahlinzeka ngezimali ezidingekayo.
Lokhu kuqinisekisa ukuthi abatshalizimali bangakwazi ukufinyelela kubaboleki ngaphandle kokukhathazeka noma ukukhathazeka ngokuzenzakalelayo okungaba khona.
Izici:
- Thola izimbuyiselo esikhathini esiyinyanga eyodwa kuya kwezine.
- Tshala ubuncane be-1.5 lacs kubaboleki abathembekile nabathembekile abahlolwe ngokuphelele.
- Yenza imali engenayo yanyanga zonke ngaphandle kwezimali ezengeziwe noma izindleko.
I-TradeCred
I-TradeCred iyindawo yemakethe lapho abatshalizimali abavamile bengatshala khona ekwehliseni ama-invoyisi. Le nqubo yenza amabhizinisi akwazi ukukhulisa izimali zesikhashana kubatshalizimali ngendlela eqondile. Ihlinzeka ngezinga elingcono lembuyiselo kunezitoko nama-FD kuyilapho ingenayo ingozi encane. Isayithi lihlanganisa isakhiwo esisebenziseka kalula, futhi kudingeka ifomu le-Google kuphela ukuze kwakhiwe i-akhawunti.
I-TradeCred isebenzisa izinqubo zokuphepha eziqinile futhi iqinisekisa ukuthi inhlangano eyenza i-oda iyafaneleka yini ikhredithi noma cha. Kukhona futhi ingozi encane ngoba itholakala kubo bonke abatshalizimali ngabanye. Ngenxa yalokho, kuyinketho enhle kunoma ubani ofuna ukubamba iqhaza kumkhakha wesaphulelo wama-invoyisi.
Izici:
- Kulula ukusebenzisa uhlelo lokusebenza lweselula.
- Ukufinyelela kumali yakho nganoma yisiphi isikhathi.
- Qala ukutshala imali nge-INR 1 lakh encane
- Izindlela eziningi zokwenza imali, okuhlanganisa i-Blue chip invoicing, Ukuqashisa, isikweletu se-AA, namabhondi azimele
AmaFlexiloans
I-FlexiLoans ithatha indima yombolekisi esikhundleni sokuba umsizi. Ngomkhiqizo wabo wokuboleka, i-Flexi Vendor Financing, ama-SME angathola kalula izikweletu ezinesaphulelo. Le nkundla inikeza izixazululo zemali esebenza ngokushesha ngenqubo yokugunyaza ethatha amahora angaphansi kwama-72.
Ukuze yehlise ubungozi bayo, inkampani idinga ukuthi abafake izicelo babe sebhizinisini okungenani unyaka owodwa, ngemali engenayo yonyaka efinyelela ku-INR 20 lakh kanye nenzuzo isamba esingaphezu kuka-INR 5 lakh. Ngaphezu kwalokho, izinkampani kufanele futhi zibhaliswe njengabahlinzeki bezinkampani ze-blue-chip.
Izici:
- Umthengisi uthola inzalo enanini elibolekiwe. Leli zinga lidlula zonke ezinye.
- Umthengisi uthola amasheya enkampanini ebolekayo.
- Ukuthenga kuyaheha, kwehlisa ukuzwela kwentengo.
- Ukuthola kwenkampani ebolekayo kuhamba kahle ngoba ayimdingi umabolekisi.
- Izinketho zokuqashisa zivumela ababoleki ukuthi bagweme ukukhokha ngokugcwele, kusiza amabhizinisi anezibopho zemali.
Ama-invoiceTrades
I-Invoice Trades iyinkundla enikwe amandla ubuchwepheshe ehlose ukukhulisa ukuhamba kwemali ngezidingo zokusebenza, ukusheshisa ukunwetshwa, nokugcina izinga eliphezulu lokuyimfihlo.
Kwama-invoyisi Trades, bazinikele ekwandiseni inani lephothifoliyo yakho ngamanani angcono ngokukunikeza uhla lwezinzuzo ezilula zesaphulelo se-invoyisi kanye nezinketho zezimali zama-invoyisi ezinenani eliphansi lobungozi.
Izici:
- Ukufinyelela kwesikhathi sangempela kwimali yokusebenza
- Imali mboleko esheshayo ngokumelene nama-invoyisi asalindile
- Ukuthengiselana okusheshayo nokuvikelekile
- Inkundla esebenziseka kalula enesistimu yokubuka amadokhumenti ezenzakalelayo
- Ukuhlola ukuthobela imithetho okuzenzakalelayo
Sula Isaphulelo Serisidi
Sula Isaphulelo Serisidi kuyinkundla enembile nenamandla esiza amabhizinisi ukuphatha ukugeleza kwemali kwawo ngempumelelo kakhudlwana. Ngokusebenzisa intuthuko yakamuva ku-AI kanye nobuchwepheshe bokufunda ngomshini, amabhizinisi angafaka isicelo sezaphulelo kalula lapho e-invoyisa abahlinzeki bawo, okuholela ezinkokhelweni ezisheshayo nokuthuthukiswa kokulawulwa kwempahla.
Uma kuziwa ekutholeni izinkokhelo ngaphambi kwesikhathi kubahlinzeki, abathengi manje sebengakwazi ukulayisha ama-invoyisi ngokuqondile kunoma iyiphi indawo yemakethe ye-TReDs esekelwa inkundla ye-Clear Invoice Discounting esikhundleni sokusebenzisa imali yabo enqwabelene noma bafake isicelo somugqa wesikweletu emabhange. Lokhu kuqinisekisa ukuthi abathengi banokulawula okugcwele ezinqumweni zokukhokha kanye ne-liquidity ephakeme ngezindleko ezincishisiwe.
Izici:
- Thola imali ephindwe ka-2-5 ngaphandle kwezindleko.
- Phatha abathengisi ngedijithali. Khulisa ukuzibandakanya izikhathi ezintathu.
- Thatha ithuba lezinye izindlela zezimali eziguquguqukayo zokukhokha ibhili kusenesikhathi.
- Usebenzisa ukuhlanganiswa okufushane kwe-ERP, ngena ku-inthanethi ngezinsuku.
- Umgcinimafa, i-TReDS, Amabhange, kanye nama-NBFC yizinketho zakho zokuthola uxhaso olusekelwe endaweni.
I-UpScale
I-UpScale by CredAble iyinkundla ye-AI ethuthukisiwe kanye nobuchwepheshe efana nawe nababolekisi abathembekile, eqinisekisa ukuthi uthola amanani enzalo ancintisanayo.
Ngenqubo eyodwa elula yokufaka isicelo engadingi amaphepha, ungafaka isicelo sababolekisi abahlaba umxhwele abangama-30+ - konke ngaphandle kokushiya isihlalo sakho! Yini enye?
Yuzozuza futhi ekugunyazweni kwabo okusheshayo kanye nezikhathi zokukhokha (zingakapheli izinsuku ezimbili zebhizinisi)!
Izici:
- I-AI ethuthukisiwe nenkundla yezobuchwepheshe.
- Amazinga enzalo ancintisanayo.
- Ukugunyazwa okusheshayo kanye nenkokhelo.
- Inethiwekhi ebanzi yababolekisi.
- Awekho amaphepha adingekayo.
Finworks360
I-Finworks360, iyunithi ye-Northern Lights Ventures Private Limited, iphakathi kwabahlinzeki bezisombululo bezezimali zebhizinisi abaphambili e-India.
I-Finworks360 isiza ukuxhumana phakathi kwabathengisi nabatshalizimali futhi inikeza ukuhlolwa kwezikweletu namasheke amabhizinisi asebenza ezweni. Ihlukile kunoma iyiphi enye indawo yemakethe yokutholwayo etholakalayo njengoba ihlinzeka ngamasevisi abanzi anikeza ukwethembeka ebhizinisini lakho.
I-Finworks360 iyinkundla eqinisekisiwe ye-ISO ezuze ngempumelelo kokubili i-ISO 9001:2015 (Uhlelo Lokuphathwa Kwekhwalithi) kanye ne-ISO 27001:2013 (Uhlelo Lokulawulwa Kokuphepha Kolwazi).
Ukuze izihlukanise nezinye izimakethe ezitholwayo, i-finworks360.com igxile ekutholeni kabusha okutholwayo kwama-akhawunti kanye nezinhlelo zokuhlela. Ngaphezu kwalokho, banikeza abatshalizimali- Abantu ngabanye/Izinkampani/Amabhange/NBFC- inketho eyingqayizivele yokuphuma kusenesikhathi ngemojula yayo yesibili yemakethe.
Izici:
- I-invoyisi yezezimali ngaphandle kwe-mortgages noma amasheya.
- Ukuxhasa ngemali efika ku-95% yenani le-invoyisi yebhizinisi lakho. Izinqubo ziyashesha, futhi inkokhelo ikhishwa phakathi namahora angu-24 kuya kwangu-72.
- Ithimba labaphathi bezikweletu kwa-Finworks 360 liphethe ama-invoyisi namaqoqo ebhizinisi.
Ukwehliswa kwe-invoyisi kuyithuluzi elisebenzayo lezinkampani ukuze zithole imali yokusebenza futhi zandise imali.
Ngosizo lwesaphulelo se-invoyisi, amabhizinisi angakwazi ukuphatha kalula ukuhamba kwawo kwemali ngaphandle kokukhathazeka ngezikhathi zokulinda isikhathi eside.
Ngethemba ukuthi lo mhlahlandlela ukusizile ukuthi uqonde kangcono ukwehliswa kwe-invoyisi kanye nezixazululo ezihlukahlukene ezingakusiza ukuthi wenze okuningi ngakho.
shiya impendulo