Ingabe ungumnikazi webhizinisi elincane? Mhlawumbe usuke udlala ngothando ngombono wokuqala eyakho isiphithiphithi futhi ufuna ukuqonda amandla akho okwenza inzuzo. Ukubala isilinganiso sakho sesikweletu-kuya-kukulingana kungenye yezindlela ezicacile zokunquma impilo yonke yomkhiqizo wakho. Ngamagama alula, ikusiza ukuthi uhlole izimpahla zakho uma uqhathanisa nezikweletu zakho, kodwa okubaluleke kakhulu, ikunikeza ukuhlola kokuzinza kwezezimali kwe-biz yakho. Kuphinde kube ngomunye wemibuzo ephezulu ongabuzwa ngabatshalizimali. Lapha, siyayidiliza.
Iyini Isilinganiso Sesikweletu-ku-Equity?
Isilinganiso sesikweletu kuya ku-equity—esivame ukubizwa ngokuthi isilinganiso se-D/E—sibheka isamba sesikweletu senkampani (noma yiziphi izikweletu noma imali ekweletwayo) uma siqhathaniswa nesamba sayo sokulingana (izimpahla onazo ngempela).
Le nombolo yakhelwe ukuchaza ukuthi inkampani inalo yini ikhono lokukhokha izikweletu zayo noma cha. Isilinganiso esiphansi se-D/E sisebenzela wena—luwuphawu lokuthi uzinzile ngokwezimali futhi unezinsiza zangaphakathi uma kwenzeka wenze inzuzo noma umnotho uvele uthange. Ngakolunye uhlangothi, isilinganiso se-D/E ohlangothini oluphakeme (noma leso esikhula kancane kancane) singaba umaka kubatshalizimali ukuthi isikweletu sakho sidlula ikhono lenkampani yakho lokukhiqiza imali noma ukwenza inzuzo. Ngamanye amazwi, ibhizinisi lakho lincike esikweletini ukuze likhokhele imisebenzi. Lokhu kuthinta ikakhulukazi uma inkampani yakho iyintsha.
Siyini Isikweletu?
Kulokhu, sikhuluma nganoma yiziphi izikweletu ozithathile ukuze uqhube ibhizinisi lakho. Ake sithi ungumnikazi wesitolo sezimbali futhi uthathe imali ebolekiwe yebhizinisi elincane ukusiza ukukhokhela izindleko zesisebenzi setoho kanye nengxenye yerenti yakho. Noma yini engakhokhelwa noma oyikweletayo njengengxenye yomkhiqizo wakho (ngisho nemali oyiboleka kumngane ozogcina uyibuyisele) kuthathwa njengesikweletu.
Iyini I-Equity?
Leli inani lempahla yenkampani yakho (ukheshi, impahla, amathuluzi) ngemva ususa noma yiziphi izikweletu noma izikweletu. Mayelana nalelo bhizinisi lezimbali...ake sithi uthenge ngaphambili kwesitolo sakho ngo-0,000, no-0,000 wehlile. Bekumele uthathe imali ebolekiwe yasebhange ukuze ukhokhele u-0,000 osele. Lokho kwenza isikweletu sakho sisonke (ngokuphathelene nezakhiwo) 0,000 futhi ukulingana kwakho kube ngu-0,000 (okungukuthi lena ingxenye okungeyakho, azikho izintambo ezinamathiselwe). Ngakho kulesi simo, isilinganiso singu-.67.
Siyini Isikweletu Esihle Ku-Equity Ratio?
Ukunquma lokhu, kufanele wazi ngempela imboni yakho. (Abatshalizimali ababheka isilinganiso sakho se-D/E kufanele bakwazi kahle nalokhu.) Ngokwesibonelo, isilinganiso esimaphakathi se-D/E sezinkampani ze-S&P 500 (njenge-Lowe’s noma i-Domino’s Pizza) ngokuvamile singu-1.5. Kodwa abatshalizimali ezimbonini zezezimali bangalindela isilinganiso se-D/E esingu-2.0 nangaphezulu. Amabhizinisi amancane noma asekelwe kusevisi—njengaleso sitolo sezimbali—mhlawumbe afuna isilinganiso se-D/E esingu-1.0 noma esingaphansi, njengoba anempahla encane okufanele ayisebenzise.
Kufana neso lombukeli. Isibonelo, isilinganiso esiphezulu sesikweletu sokulingana singaba yinkinga uma kwenzeka okuthile (ukwehla komnotho, isibonelo) lapho uvele ungakwazi ukukhokha izikweletu noma ukuqhubeka nalokho okukweletayo. Ngokuphambene, isilinganiso esiphezulu sesikweletu-kuya-equity kungaba kusho amathuba okukhula ngokushesha. Ngemva kwakho konke, ake sithi usebenzisa leso sikweletu ukuze wandise ibhizinisi futhi uqale indlela entsha yokuthola imali (isevisi entsha yokulethwa kwezimbali, whoop!) Engaba nezinzuzo ezinkulu.
Khumbula ukuthi isilinganiso esiphansi sesikweletu-kuya-equity singase sibe yingozi, futhi imbuyiselo ekutshalweni kwezimali nayo ivame ukuba ngokulinganisela. Noma kunjalo, izinkampani ezinezilinganiso eziphansi zezikweletu kuya-equity azikho engcupheni yokukhuphuka nokwehla kwezomnotho futhi mancane amathuba okuba ziphume ebhizinisini.
Usibala Kanjani Isilinganiso Sesikweletu-kuya-ku-Equity?
Indlela engcono kakhulu yokubala isilinganiso sakho sesikweletu ukuya ku-equity ukulandela le zibalo:
I-Debt-to-equity ratio = yesikhathi esifushane + izikweletu zesikhathi eside / ukulingana kwabaninimasheya
Ukuze ubale ukulingana kwabanikazi bamasheya, udinga ukubheka isamba sempahla yakho bese ukhipha izikweletu zakho. (Cabanga ngenkokhelo ephansi engu-0,000 kanye nesibonelo se-mortgage engu-0,000.)
Ku-Excel, ungakwazi ukuhlanganisa noma yisiphi isikweletu (imalimboleko yakho, amabhalansi ekhadi lesikweletu nanoma yimiphi eminye imigqa yesikweletu) kukholamu eyodwa. Kukholomu eseduze kwayo, hlanganisa inani lakho eliphelele (impahla noma okokusebenza okungeyakho, amaholo agciniwe noma imali abatshalizimali abayikhokhile ukuze uthole isitoko senkampani, njll.). Okulandelayo, hlukanisa iseli nezikweletu zakho ngeseli ngokulingana kwakho. Lokho kuzokusiza ukuthi ukhiqize isilinganiso sakho sesikweletu ukuya ku-equity.
Kodwa kungase kudingeke ukuqasha uchwepheshe ukuthi akwenzele izibalo futhi uqiniseke ukuthi ucabangela ngempela ububanzi bezikweletu ongase ube nazo. (Lezi zisukela emalimboleko yesikhathi esifushane neyesikhathi eside namabhondi kuya ezinkokhelweni zenzalo.) Okufanayo kuya ekubaleni izimpahla zakho, ezingacatshangelwa kahle kakhulu.
Abatshalizimali babheka kulesi sibalo ukuze bahlole ukuthi ibhizinisi lakho liyingozi kangakanani, futhi le nombolo iphinde ibe nengxenye ekhonweni lakho lokuboleka izimali zesikhathi esizayo; Amabhange awafuni ukuthi ube namandla ngokweqile futhi ngokuvamile abeke isiphetho sokuthi azokuboleka malini, ngokusekelwe esikweletini sakho kuya ku-equity ratio.
Isetshenziswa Kanjani Isilinganiso Sesikweletu-kuya-Kukulingana Ukuze Utolike Inzuzo
Iphuzu elibalulekile: Isilinganiso sesikweletu kuya ku-equity iyithuluzi abanikazi bebhizinisi nabatshalizimali abalisebenzisayo ukuze bahlole izibopho zezimali kanye namandla okuzuza. Kukusiza ukuthi ubikezele ubungozi, ikakhulukazi njengoba kusebenza kuhlelo lomkhiqizo wakho kanye nesakhiwo sezezimali. Uma isilinganiso sakho sesikweletu-kuya-equity singaphezu kuka-1.0, kungase kube uphawu lokuthi unamandla kakhulu. Kodwa futhi kungasho ukuthi uphezu kokuthile okukhulu. Lokho kukuwe (kanye nabatshalizimali bakho) ukuthi unqume.
OKUhlobene: Ibhizinisi Lami Lezimbali Liyaqala, Kodwa Nami Ngizixhasa Ngezimali. Ingabe Kufanele Ngimise I-LLC?
