Iyo Inoshanda Sei uye Sei Kuitora Iyo
Kana iwe uchitanga bhizinesi, ita ruzivo nebhizimusi chikwereti, uye tanga kuivaka kuitira kuti iwe ugone kusiya chikwereti chako pachako kubva pane equation.
Sei Uchishandisa Business Credit?
Iwe unogona kukwereta mari somunhu oga, saka sei uchienda kumatambudziko ekukwereta muzita rebhizimisi rako?
Chengetedza zvinhu zvakasiyana: kunyange kana zvisiri basa guru zvino, rimwe zuva iwe uchazvionga iwe nekuparadzanisa mari yako yega uye yebhizimisi. Kuti uwane chikwereti sebhizimisi idzva, zvichida unoda kushandisa kushandisa Social Security Number yako, zvinoreva kuti vatengi vanokwidza zvikwereti zvenyu zvemari kuitira kuti vaone chikwereti chako. Izvo zvinoreva zvakare kuti matambudziko ose achaenda pamitemo yako yekuti chikwereti chako-zvichiita kuti zvive zvakaoma kukwereta kutenga zvakakosha semusha kana motokari.
Kunyange kana zvose zvichifamba zvakanaka, zvikwereti zvebhizimisi rako zvinogona kudyira kukwanisa kwako kukweretesa semumwe munhu, uye izvozvo zvichakuita iwe nemhuri yako. Vanokweretesa vanoongorora kuti mungakwereta zvakadini kubva pane zvamunowana uye kune chikwereti chenyu chiripo chekubhadhara (kushandisa chikwereti kuti muwane mari ). Iwe unogona nyore nyore kubhadhara kunze kana ukwereta bhizinesi.
Kusvikira iwe ukagadzira chikwereti chebhizimisi, vateresi vachatsvaga chirongwa chemunhu , kunyange kana vachibvuma "chikwereti chemabhizimisi." Unofanira kuisa zvinhu zvakadai seimba yako mumuganhu, uye iyo iyo inoshandiswa sechikwata chechikwereti .
Izvi zvinogona kutungamirira kune njodzi, uye zvinoita kuti zvive zvakaoma kutama kana kugadzirisa apo mabhizimusi ako ebhizimusi achiripo.
Mashoko anonyanya kukosha: bhizimisi rebhizimisi rechikwereti rinoita kuti zvive nyore kushanda. Vatengi vanogona kubvumira nguva yakawanda yekubhadhara, uye iwe uchava nemasarudzo akawanda - unogona kushanda nepamusoro-soro, makambani anovimbika panzvimbo yeavo vanozokutora semutengi.
Mariro yakanakisisa: kana iwe ukwereta, iwe uchabhadhara zvishoma kana iwe une bhizimisi rakasimba rebhizimisi. Mutengo wemari unowanzochengetedzwa pangozi. Kunyanya iwe unofanirwa kubhadhara, inoderedza chikwereti chako chekuda uye mamwe madhora emari. Inowedzera kubatsirwa uye inopa imwe nzvimbo yekufema.
Kuwedzerwa kwekutengesa: chikwereti chako hachisi kungoita chikwereti - chinogonawo kufadza vatengi. Vatengi vanoda kuziva kana kana iwe usingakwanisi kutumira pamirairo yavo, uye bhizinesi rako 'chikwereti chekwereti ndedzimwe nzira yekuongorora kushanda kwako. Kana iwe nguva dzose uchitevera-kuburikidza nevashambadziri, vatengi vari kunyanya kusununguka kuisa kuronga kukuru.
Kusiyana nemari yako chikwereti chikoro, chero munhu anogona kuona bhizinesi rako rechikwereti - hachisi chakavanzika, uye havadi chikonzero chokukumbira.
Nzira Yokuvaka Nheyo
Kuvaka chikwereti chebhizimisi zvakafanana nekuvaka chikwereti chemunhu - kubhadhara panguva - pamwe nezvimwe zvinhu.
Ita zvakakodzera: kutanga bhizinesi chekwereti, iwe unoda kuva nebhizimisi . Ita zvose zvaunokwanisa kuti uparadzanise iwe pachako newebhizimisi rako.
- Wana muWashandi Identification Number (EIN) kubva ku IRS, uye shandisa izvozvo panzvimbo ye SSN yako mumabhizimisi mamiriro ezvinhu
- Iwe unogonawo kudikanwa kana unoda kusanganisira - taura ne gweta kuti udzidze zvakanakisisa
- Vhura mazita muzita rebhizimisi rako (mamwe mabhangi anopa bhizinesi risina chekuongorora kuti uite iwe)
- Kana zvichibvira, kuwana kadhi rechikwereti, chikwereti chiduku, kana chikwereti chekwereti kubva kubhangi rako nezita rebhizimisi rako
Wana chikwereti: "chikwereti" hachifaniri kuva chikwereti chakanaka - unogonawo kuwana (uye kuvaka) chikwereti nekushanda nevatengi. Paunotenga pachikwereti, iwe unowana zvinhu uye mazano nhasi, asi haufaniri kuripa kusvikira gare gare. Mutevedzeri iwoyo unoshanda kumabasa akawanda anosanganisira mahofisi ehofisi uye nzvimbo yekuchengetedza nzvimbo. Chero nguva ipi zvayo iwe unogona kuripa mukati memazuva makumi matatu kana makumi matanhatu, uri kuwana chikwereti.
Kana zvichikwanisika, shanda nevashambadziri uye vanobatsirana vanoparidza chikwereti chenyu kumabhizimusi chikwereti. Kunyange kana vasingatauri, zvinogona kuwedzera aya mazvesheni se "zviratidzo" kune D & Bradstreet mushumo wenyu (D & B inopa mazano).
Nguva dzose ubhadhara panguva, uye ubhadze nguva pfupi kuti uwane zvidzidzo zviri nani - Dhani uye Bradstreet's score yakabva pakukurumidza iwe kubhadhara, nekunonoka zvishoma kwekutengesa kunotsvaga.
Ipa ruzivo uye chengetedza: kuvaka bhizinesi rako 'chikwereti hachisi chaicho chaicho. Iwe unogona kugovera kupa ruzivo kune zvikwereti zvekwereti, uye iwe zvechokwadi unoda kuve nechokwadi kuti vane ruzivo rwakarurama pane kambani yako. Dzokorora zvikwereti zvekwereti nguva nenguva uye gadzirisa chero zvikanganiso zvaunowana.
Business Credit Bureaus
Zvichienderana nekutaura kwako, pane zvakawanda (kana zvimwe) zvezvikwereti zvekwereti kunze uko kune vanhu, zvichifukidza zvinhu zvose kubva muchikwereti chenhoroondo kusvika munhoroondo yako yezvechiremba. Makambani emakambani ekutsigira zvikwereti akafanana zvakanyanya, saka chengetedza pamatatu makuru makuru apo iwe unovaka chikwereti: Dun & Bradstreet, Equifax, uye Experian.
Imwe hoofisi yega yega ine zvigaro zvayo, uye vose vanoshandisa ruzivo rwakasiyana. Iyi ndiyo iyo chikwereti chikwereti chikoro chakasiyana kubva kune chikwereti chezvikwereti - zvikwereti zvako zvemari zvakafanana (kunyange zvichida zvisina kufanana), zvichienderana nemari yako yekubhadhara, zvinyorwa zvevanhu, uye mamwe mashoko. Kunyange tsika yakarongeka mitero ichakuisa mune zvimwe kana zvishoma kubva muchikwata kubva kune chikwereti kune chikwereti.
Nebhizimisi chikwereti chikoro, ruzivo runobva kunzvimbo dzakasiyana zvakasiyana. PaDon & Bradstreet, somuenzaniso, unopa zvakawanda zvemashoko kuti uzadze nhoroondo yako uye nhamba yako DUNS. Zvikamu zvinogona kubva kubva 1 kusvika zana, kana kuti dzichawira pane imwe shanho.
Mari, Mhosva, Mari
Mutengo ndeumwewo musiyano mukuru pakati pekodzero yako pachako uye bhizinesi chikwereti chikoro. Iva akagadzirira kubhadhara ruzivo - iwe uri kukumbira kana kupa ruzivo. Iwe hauna kuwana mahwendefa asingabhadharwi zvikwereti gore roga roga (sezvinoita iwe somunhu mumwe chete pasi pemutemo wemutemo ). Pane kudaro, iwe uchabhadhara mari shoma kuti uone chikwereti chako. Kana pane chero sirivha yakagadziriswa, mari yekutarisira bhizinesi rako chikwereti inogona kunge iri mari inodhura.