Ngaba ungumnikazi weshishini elincinci? Mhlawumbi udlala nje ngombono wokuqala icala lakho kwaye ufuna ukuqonda inzuzo yakho. Ukubala umlinganiselo wetyala-kwi-equity yenye yeendlela ezicacileyo zokumisela impilo yonke ye-brand yakho. Ngawona magama alula, ikunceda ukuba uvavanye i-asethi yakho xa uthelekisa namatyala akho, kodwa okona kubaluleke kakhulu, ikunika ukujonga uzinzo lwemali ye-biz yakho. Ikwangomnye wemibuzo ephezulu onokuthi uyibuze ngabatyali-mali. Apha, siyayichitha.
Yintoni iTyala-to-Equity ratio?
Umlinganiselo wetyala-kwi-equity-ohlala ubizwa ngokuba yi-D/E ratio-ujonga ityala lilonke lenkampani (nawaphi na amatyala okanye imali etyalwayo) xa kuthelekiswa ne-equity yayo iyonke (i-asethi onayo ngokwenene).
Le nombolo yenzelwe ukucacisa ukuba ingaba inkampani inakho na ukuhlawula amatyala ayo. Umlinganiselo ophantsi we-D / E usebenza ngokuthanda kwakho-luphawu lokuba uzinzile ngokwemali kwaye unemithombo yangaphakathi kufuneka ibe yinzuzo okanye uqoqosho ngokukhawuleza itanki. Kwi-flip side, umlinganiselo we-D/E kwicala eliphezulu (okanye lowo unyuka ngokuthe chu) unokuba luphawu kubatyali-mali ukuba ityala lakho lingaphezulu kwamandla enkampani yakho ukwenza inkunzi okanye ukuguqula inzuzo. Ngamanye amazwi, ishishini lakho lixhomekeke etyaleni ukuze usebenze ngemali. Oku kubaluleke ngakumbi ukuba inkampani yakho intsha.
Yintoni Ityala?
Kule meko, sithetha ngawo nawaphi na amatyala othe wawathatha ukuqhuba ishishini lakho. Masithi unevenkile yeentyatyambo kwaye uthathe imali-mboleko yeshishini elincinci ukunceda ukuhlawula iindleko zomsebenzi wexeshana kunye nenxalenye yerenti yakho. Nantoni na engahlawulwanga okanye oyityala imali njengenxalenye yophawu lwakho (nokuba yimali oyibolekayo kumhlobo oya kuthi ekugqibeleni uyihlawule) ijongwa njengetyala.
Yintoni Equity?
Eli lixabiso lempahla yenkampani yakho (imali, ipropathi, izixhobo) emva uthabatha nawaphi na amatyala okanye amatyala. Malunga nelo shishini leentyatyambo...masithi uthenge indawo engaphambili yevenkile yakho nge-0,000, nge-150,000 yeedola ezantsi. Kwafuneka uthabathe imali-mboleko yebhanki ukuze uhlawule i-$ 100,000 eseleyo. Oko kwenza ukuba ityala lakho lilonke (ngokubhekiselele kwi-real estate) i-$ 100,000 kunye ne-equity yakho ye-$ 150,000 (okt le yinxenye onayo, akukho ntambo iqhotyoshelweyo). Ngoko ke kule meko, umlinganiselo ngu .67.
Yintoni iTyala eliLungileyo kwiReyishini yeEquity?
Ukumisela oku, kuya kufuneka wazi ngeshishini lakho. (Abatyalo-mali abajonga kwi-D / E ratio yakho kufuneka bafunde kakuhle kule nto ngokunjalo.) Ngokomzekelo, umlinganiselo we-D / E we-S & P 500 iinkampani (njenge-Lowe's okanye i-Domino's Pizza) ngokuqhelekileyo yi-1.5. Kodwa abatyali-mali kumashishini emali banokulindela umlinganiselo we-D / E oyi-2.0 nangaphezulu. Amashishini amancinci okanye asekelwe kwinkonzo-njengaloo venkile yeentyatyambo-mhlawumbi afuna umlinganiselo we-D / E oyi-1.0 okanye ephantsi, kuba banempahla encinci yokunyusa.
Luhlobo lweliso lombukeli. Ngokomzekelo, umlinganiselo ophezulu wetyala-to-equity unokuba yingxaki ukuba kukho into eyenzekayo (ukuhla kwezoqoqosho, umzekelo) apho ngokukhawuleza awukwazi ukuhlawula iibhilikhwe okanye ukuqhubeka noko unetyala. Ngokuchaseneyo, umlinganiselo ophezulu wetyala-to-equity unako kuthetha amathuba okukhula ngokukhawuleza. Emva kwakho konke, masithi usebenzise elo tyala ukwandisa ishishini kwaye uqale ingeniso entsha (inkonzo entsha yokuhanjiswa kweentyatyambo, i-whoop!) enokuba neenzuzo ezinkulu.
Gcina ukhumbule ukuba umlinganiselo ophantsi wetyala-to-equity usenokuba yingozi, kwaye imbuyekezo kutyalo-mali nayo ithande ukumodareyitha. Sekunjalo, iinkampani ezinamatyala asezantsi-to-equity ratios azikho semngciphekweni wokunyuka nokuhla kwezoqoqosho kwaye azifane ziphume kwishishini.
Ulibala njani iTyala lakho ukuya kwiReyishini yokuLingana?
Eyona ndlela ingcono yokubala umlinganiselo wetyala lakho ukuya kwi-equity kukulandela le nxaki:
Umlinganiselo wetyala-to-equity = ixesha elifutshane + lamatyala exesha elide / ukulingana kwabanini zabelo
Ukubala ukulingana kwabaninizabelo, kufuneka ujonge ii-asethi zakho zizonke kwaye uthabathe amatyala akho. (Cinga i-$ 150,000 yentlawulo ephantsi kunye ne-$ 100,000 yomzekelo we-mortgage.)
Kwi-Excel, ungabala naliphi na ityala (imali-mboleko yakho, iibhalansi zekhadi letyala okanye nayiphi na imigca eyongezelelweyo yekhredithi) kwikholamu enye. Kwikholamu esecaleni kwayo, yongeza i-equity yakho iyonke (impahla okanye izixhobo ezizezakho, imivuzo egciniweyo okanye abatyali-mali abahlawule ngokutshintshiselana nesitokhwe senkampani, njl. njl.). Okulandelayo, yahlula iseli ngamatyala akho ngeseli ngokulingana kwakho. Oko kuya kukunceda uvelise umlinganiselo wetyala lakho kwi-equity.
Kodwa kunokuba kufanelekile ukuqesha ingcali ukuba ikwenzele izibalo kwaye uqiniseke ukuba uqwalasela ngokwenene uluhlu lwamatyala onokuthi ube nawo. (Ezi zisusela kwiimali-mboleko zexesha elifutshane kunye nexesha elide kunye neebhondi ukuya kwintlawulo yenzala.) Kuyafana nokubala ii-asethi zakho, ezinokuthi zibe mbalwa kakhulu.
Abatyali-mali bajonge kolu balo ukuvavanya ukuba ishishini lakho liyingozi kangakanani na, kwaye eli nani likwadlala indima ekukwazini kwakho ukuboleka imali yexesha elizayo; Iibhanki azifuni ukuba ube ne-avareji engaphezulu kwaye ihlala ibeka i-cap malunga nokuba baya kukuboleka kangakanani, ngokusekelwe kumlinganiselo wetyala-kwi-equity ratio.
UliSebenzisa njani iTyala lakho lokuLingana ukuTolika iNzuzo
Umgca ongezantsi: Umlinganiselo wetyala-kwi-equity sisixhobo esisetyenziswa ngabanini bamashishini kunye nabatyali-mali ukuvavanya izibophelelo zemali kunye nokubanakho ukufumana inzuzo. Ikunceda ukuba uqikelele umngcipheko, ngakumbi njengoko kusebenza kwisicwangciso sophawu lwakho kunye nesakhiwo sezemali. Ukuba umlinganiselo wetyala-kwi-equity ungaphezulu kwe-1.0, inokuba luphawu lokuba ugqithise kakhulu. Kodwa kunokuthetha ukuba ukwinqanaba lento enkulu. Kuxhomekeke kuwe (kunye nabatyali-mali bakho) ukuba bachaze.
ENXULUMENEYO: Ishishini lam leentyatyambo liyahamba, kodwa ndiyazixhasa ngokwam. Ngaba ndifanele ukuseka i-LLC?
