Mene ne gajere bashi ga harkokin kasuwanci?

Short-lokaci rance - wannan aka bayar da banki na wani dan gajeren lokaci da adadin kudi, wanda aka bayar a kan sharuddan na balaga, biyan bashin da kuma biya. Kamar yadda mai mulkin, kwangila tare da bashi adadin abin da kuke bukatar sãka da rance, rance da kuma amfani kudi da kuma Retail lamuntawa yanayi bambanta daga ka'idojin da banki cibiyoyin da yawan jama'a. A halin yanzu, gajere bashin bankuna da nufin kudi da kamfanoni, zuwa kashi daya-lokaci rance, rance overdrafts kuma a cikin nau'i na ba-sabunta ko revolving bashi line.

Deposit: Private kamfanonin iya samun gajere kasuwanci rance, rance samar banki ma'aikata a matsayin jingina ruwa dukiya, sayar da wanda a cikin hali na ba-biyan kudi dauka daga mai ba da bashi iya rufe da adadin binta zuwa banki. A matsayin jingina da kamfanin iya amfani da gidaje ko kasuwanci dukiya, motocin da ƙasa, musamman kayan aiki da kuma kayan aiki da ake yi ka saka kudi a wurare dabam dabam kayayyakin.

Overdraft: Samarwa banki ofisoshin overdraft - wani gajere, rance bayar da kasuwanci don rufe wucin gadi rashin amfani da aiki babban birnin kasar a cikin kasa da kudin zuwa tabbatar da wani sashe na yanzu lissafin. A halin yanzu, da overdraft aka yi amfani da biyan takardun na biyan bashin a kan saurã daga kudi a halin yanzu asusun na kamfanin, a cikin asalin amince da adadin. Kuma overdraft an sãka a kudi na kudi samu a halin yanzu account na abokin ciniki sha'anin.

Overdraft iya sa ran sayar da kamfanonin da m bashi tarihi. The ji na iri-iri na gajere rance ne mai kudi ma'aikata da ta sa har ga rashin biyan bashin da lissafi na sha'anin-abokin ciniki daraja a halin da ake ciki inda yanzu asusun kungiyar kasa kudi fiye da ake bukata don yin biyan. Bugu da ƙari, cikin kudi ma'aikata kudi tafi kai tsaye zuwa yanzu asusun na mai karɓa, sunan wanda aka kayyade a cikin biyan bashin takardu, kuma ba a kan lissafi na kamfanin, wanda yake shi ne abokin ciniki na banki.

Overdrafts yawanci fanshe a wani atomatik hanya a lokacin da kudi ana lasafta abokin ciniki ta account, da kuma sharuddan da irin wannan rance iri a fili wajabta a kwangilar sa hannu ta borrower da mai ba da bashi. Matsayin mai mulkin, an overdraft sabis dogara ne a kan wani dõgara dangantaka tsakanin abokin ciniki kamfanin da kuma wakilin bankin, don haka da borrower lallai ba ne su kashe aro yarjejeniyar kowane lokaci a lokacin da kamfanin rasa kudi.

Loans ga aiki babban birnin kasar: Firms gajere bashi ne ba ga wani cikakken kudi na gudana kasuwanci ayyukan. Ta hanyar rance iya zama sayan raw kayan, iri-iri na kayan samar da ƙãre kayayyakin, wholesale sayan kaya iri iri, da manufar wanda shi ne zuwa ga m resale.

Credit line: Sau da yawa gajere bashi don kasuwanci da kungiyoyin da aka bayar ta bude wani bashi line. A wannan yanayin, da kudi bayar ga abokin ciniki a cikin nau'i na mutum tranches kan wani takamaiman lokaci, a cikin iyaka asali kayyade a cikin kwangila, yayin gudanar da musamman ƙarin tattaunawar da ake bukata.

Non-revolving bashi layi - wani irin crediting, lokacin da shigar a cikin kasuwanci banki ma'aikata, kungiyar sami tranches iyakance ga wani takamaiman adadin a gaba rattaba kalma daga cikin kwangila. A cikin hali na wani revolving layi na abokin ciniki kamfanin na'am da tsabar kudi tranche, kuma bayan da cikakken biya iya samun sabon tsabar kudi rance a cikin kafa iyaka da kuma a kan sharuddan kafa fita a aro yarjejeniya.