Yize kunzima ukuyithola kunozakwabo abangu-30 kanye nengqikithi engu-60, ama-akhawunti engqikithi angu-90 angama-akhawunti okuhweba esikhathi eseluliwe angasiza amabhizinisi ukuthi athuthukise ukufaneleka kwawo kwekhredithi emehlweni abatshalizimali, abathengisi, kanye nababambiqhaza. Abathengisi abaningi banikeza ingqikithi yemibandela engama-90 ezimeni ezithile kuphela, ngokuvamile bethembele kuma-ejensi angaphandle abika ngezikweletu ukuze aqinisekise ukuma kwezimali kwekhasimende.

Njengoba ingqikithi yama-akhawunti angu-90 ingase izwakale inzima ekuqaleni, silapha ukuze sikhiphe ikhethini. Ake sihlole ukuthi i-net 90 isho ukuthini ngempela, sixoxe ngokuthi abaholi bamabhizinisi bangazivikela kanjani lezi zivumelwano, futhi sihlanganise uhlu lwabathengisi abangama-90 abasebenzayo manje.

Iyini i-Net 90?

Uma ubuza, “Kulungile, ini is awu 90?" bese usendaweni efanele. I-Net 90 ibhekisela emigomeni yokukhokha enikezwa umthengisi othile. Uma umthengisi engumthengisi we-net 90, uvumela amakhasimende athile ukuthi abuyisele ama-invoyisi zingakapheli izinsuku ezingama-90 zekhalenda ethole ama-invoyisi ashiwo - ngaphandle kwenzalo, futhi. Abathengisi be-Net 90 bayivelakancane kakhulu kune-net 30 noma ingqikithi yabathengisi abangu-60 ngoba ukulinda izinsuku ezingu-90 ukuze ukhokhelwe ngemva kokuphatha izimpahla noma amasevisi akuyona inketho yalo lonke ibhizinisi.

Abathengisi be-Net 90 bavamile kwezinye izimboni - njengezitolo ezinkulu noma ezokwakha - kodwa hhayi kwezinye. Kulula futhi ukuthi amabhizinisi amakhulu asekele imigomo engama-90 kunamabhizinisi amancane. Njengoba abathengisi abakhulu bevame ukuba nemali eningi esandleni kanye namakhasimende ahlukahlukene, igebe lezinsuku ezingu-90 phakathi kokuhlinzeka ngezimpahla nokukhokhelwa alinzima kangako ukulikhava ngokwezimali.

Ukuthola ama-akhawunti angu-90 nabathengisi, kungakhathaliseki ubukhulu noma imboni yebhizinisi lakho - kuwukuwina. Ithi abathengisi bayalithemba ikhono lakho lokukhokha izikweletu zebhizinisi, okukunikeza ithuba lokungena kulokho empeleni “okuyindlela entsha yesikweletu”. Ibhonasi eyengeziwe yama-akhawunti angu-90 ukuthi abathengisi abaningi babika lawa ma-akhawunti kuma-credit bureaus amakhulu, ngakho-ke uma ukhokha ama-invoyisi akho ngesikhathi, isikolo sakho sesikweletu sebhizinisi siyakhula.

Finyelela Imibandela Ephelele engama-90 Ngaphandle Kwesikolo Sesikweletu Sebhizinisi

Abathengisi abaningi ngeke bangene kuma-akhawunti okuhweba angu-90 ngaphandle uma beqinisekile ukuthi ikhasimende lingakwazi futhi lizokhokha ama-invoyisi abo ngesikhathi. Ukuze bathole leso siqiniseko, bazohlola amaphuzu esikweletu alelo bhizinisi. Emabhizinisini amasha, nokho, ukwakha isikolo sesikweletu sebhizinisi kungaba inselele ekuqaleni. Kuyafana namaphuzu esikweletu somuntu siqu - kufanele ube nesikweletu ukuze usakhe, kodwa akekho ofuna ukukunikeza ukufinyelela esikweletini ngaphandle uma unamaphuzu esikweletu. 

Amabhizinisi angenawo amaphuzu esikweletu sebhizinisi kungase kudingeke ukuthi aqale amancane futhi asebenze ngendlela yawo afinyelele imigomo yokukhokha engu-90. Mhlawumbe ukuqala ngemibandela yokukhokha engu-30 ekuqaleni, bese kuba ngemva kwezinyanga noma iminyaka yokubonisa okuthembekile akhawunti izinqubo ezikhokhwayo, labo bathengisi bazovuma imigomo emide, banikeze amawindi ezinsuku ezingama-60 noma ezingama-90 ukuze bakhokhe. Ukusungula ubudlelwano obuqinile bomthengisi - kanye ukuzilawula kahle - kubalulekile uma ukuthola imigomo engu-90 kuwumgomo.

Ungawakha Kanjani Isikolo Sesikweletu Sebhizinisi Usebenzisa Ikhredithi Ye-Net 90

Uma i-akhawunti ye-net 90 isisebenza, iba yithuluzi amabhizinisi angalisebenzisa ukwakha isikolo sesikweletu sebhizinisi. Njengoba iningi labathengisi abangu-90 libika ama-akhawunti okuhweba kuma-credit bureaus afana ne-Dun & Bradstreet, I-Experian Business, i-Equifax Business, ne-Creditsafe, ikhasimende ngalinye lebhizinisi lizonikezwa inombolo kulawo mahhovisi, okwenza kube lula ukuqapha ukuguquguquka kwezikolo zezikweletu zebhizinisi. 

Njengoba nje ibhizinisi lingafaka amaphuzu esikweletu sebhizinisi ngokwehluleka ukukhokha, lingakhuphula amaphuzu alo esikweletu ngokuba nomthwalo wemfanelo wezezimali kanye nokukhokha ngesikhathi. Futhi, cabanga ngakho usebenzisa i-lens yezezimali yomuntu siqu - abantu abakhokha izikweletu zekhadi lesikweletu emjikelezweni ngamunye banamaphuzu amahle kakhulu esikweletu, noma ngabe basebenzisa amakhadi esikweletu ngaphezu komuntu okhokha sekwephuzile futhi ohlale ekhulisa ikhadi lakhe. Abaholi bebhizinisi bamane badinga ukukhokha ngesikhathi futhi bakhokhe ama-invoyisi lapho kufanele, futhi bazobona ukukhuphuka kwamaphuzu esikweletu sebhizinisi labo.

I-Net 30 vs. Net 60 vs. Net 90

Uma usesha abathengisi be-net 90, ungabona abathengisi abathile behlinzeka ngama-akhawunti angu-30 noma angu-60. Empeleni, i-net 30, net 60, ne-net 90 zonke zifana kakhulu; umehluko omkhulu ukuthi iwindi lokukhokha lide kangakanani ku-invoyisi ngayinye. Ingqikithi yama-akhawunti angu-30 vumela amakhasimende iwindi lezinsuku ezingu-30 ukugcwalisa izinkokhelo ze-invoyisi, kuyilapho ingqikithi yama-akhawunti angu-60 inika izinsuku ezingu-60, futhi ingqikithi yama-akhawunti angu-90 ihlinzeka - ukuqagele - izinsuku ezingu-90.

Omunye umehluko obalulekile phakathi kwezinhlobo ezintathu zama-akhawunti ohwebo wukufinyelela kwawo kalula. Ama-akhawunti e-Net 30 kulula kakhulu ukuwavikela, futhi abanye abathengisi basebenzisa ngokuzenzakalelayo imigomo engu-30 kuwo wonke ama-akhawunti amaklayenti amasha. Abathengisi be-Net 60 baqine kakhulu uma begunyaza amakhasimende amasha wale migomo, kodwa bafinyeleleka ngisho nakubaqalayo namabhizinisi amancane. Amagama angu-90 aphelele anzima kakhulu ukuwathola; Ingqikithi yabathengisi abangama-90 bayingcosana, futhi amabhizinisi amancane ikakhulukazi akuthola kunzima ukuthola lezi zinkontileka.

Asebenza Kanjani Amahhovisi Amakhulu Ezikweletu Zebhizinisi

Izikhungo zezikweletu ezibalwe ngenhla zishicilela i-credit bureau ibika ukuthi abathengisi, abatshalizimali, izimbangi, nababolekisi bangasebenzisa ukuhlola amakhasimende athile angaba khona noma ama-akhawunti. Ama-bureaus aqoqa imininingwane yenkampani lapho ibhizinisi libhalisa kubo. Ngemva kokunikeza i-Employer Identification Number (EIN) nolunye ulwazi lwebhizinisi, amabhizinisi abe esenikezwa inombolo eyingqayizivele ehlonzayo ngaphakathi kohlelo lwaleyo nhlangano yezikweletu.

Uma abathengisi behlola isikweletu ekhasimendeni elisha - okuyinto evame ukwenziwa lapho kunqunywa ukuthi hlobo luni lwemibandela yokukhokha okufanele bayinikeze ikhasimende - abathengisi bangabheka ibhizinisi ngesikhungo ngasinye sezikweletu. Ngemibiko enikeziwe, abathengisi bangathola umbono wesikolo sesikweletu sebhizinisi, okubavumela ukuthi benze isinqumo esinolwazi ngaphambi kokungena kunoma ibuphi ubambiswano lwebhizinisi oluthile nabo.

Ngokulandelayo, abathengisi babe sebebika umlando wokukhokha wekhasimende ngalinye kuma-credit bureaus, okubasiza ukuthi bagcine imininingwane egciniwe enembile yezikolo zezikweletu zebhizinisi ukuze zisetshenziswe. Imibiko yezikweletu zebhizinisi edalwe yilawa mahhovisi iqukethe izikolo zezikweletu zebhizinisi, imikhawulo yekhredithi ephakanyisiwe, nezilinganiso zebhizinisi.

Abathengisi abahamba phambili beNet 90

Ulungele ukuqala ukwakha isikweletu sebhizinisi? Bheka lezi zinketho ezingu-90 zabathengisi:

ILenovo Net 90 Accounts

Ngamakhompyutha aphathekayo angu-2-in-1 kanye namakhompyutha aphathekayo azakhela owakho, iLenovo yenza kube lula kumabhizinisi ukunikeza izixazululo zobuchwepheshe ezenziwe ngokwezifiso kubasebenzi bawo. Emabhizinisini asebenze iminyaka emibili noma ngaphezulu, anezisebenzi eziyishumi noma ngaphezulu, futhi azinze e-US, ingqikithi yemibandela yokukhokha engu-90 inikezwa. I-Lenovo iyawahlola amakhredithi ebhizinisi, ngakho-ke ngaphandle kokuma okuvikelekile kwesikweletu, amabhizinisi angase angafaneleki. 

I-Dell Net 90 Accounts

Omunye umhlinzeki we-powerhouse electronics, uDell unezinhlobonhlobo zamathuluzi nemishini yasehhovisi amakhasimende ebhizinisi ayisebenzisa nsuku zonke. Abasebenzisi bebhizinisi bangathola amaseva nezindawo zokusebenza ukuze banwebe imisebenzi yabo. Ngaphezu kwemibandela engama-90, uDell unenketho yekhredithi yebhizinisi. Ukunikeza amabhizinisi umugqa ozungezayo wekhredithi ongayitholi inzalo inqobo nje uma ibhalansi ikhokhiwe phakathi kwezinsuku ezingu-90 ezintweni ezithile.

I-Bzaar Net 90 Accounts

Ezitolo zezitini nodaka, i-Bzaar iyisitolo esiku-inthanethi esivumela abathengi ukuthi bazame imikhiqizo ngaphambi kokuba bayikhokhele. Ngewindi lokukhokha lezinsuku ezingu-90, amakhasimende angahlola ubucwebe, i-decor, noma eminye imikhiqizo yengcweti ayithenge ngaphambi kokuthola imali ngemfoloko. Kubathengisi, lezi yizindaba ezinhle – uma umkhiqizo ungasebenzi njengoba bekulindelekile, kuzoba nomthwalo omncane wezezimali ohambisana nawo.  

Khipha ama-Akhawunti angama-90

I-Quill inweba ama-akhawunti aphelele angu-90 kumabhizinisi, inikeze imibandela yokukhokha enwetshiwe ezinhlobonhlobo zezimpahla zasehhovisi, okuhlanganisa izinto zokubhala, izinto zikagesi, ifenisha, nezinto ezibalulekile zegumbi lokuphumula. Lokhu kunikezwa komkhiqizo obanzi kuqinisekisa ukuthi amabhizinisi angakwazi ukufinyelela konke akudingayo ukuze agcine ukusebenza kwawo kuyilapho ezuza ezinkethweni zokukhokha ezivumelana nezimo.

I-Wise Net 90 Accounts

I-Wise, ngaphambilini i-“TransferWise,” inkundla yokukhokha eya ekudlulisweni kwemali yamazwe ngamazwe kanye namabhizinisi emali eningi. Ukuthumela izimali emazweni ngamazwe kuthengwa kakhulu nge-Wise kunakwamanye amabhange, futhi izimali ezisetshenziswayo zisobala kakhulu. Futhi ngama-akhawunti aphelele angama-90 wamabhizinisi, nawo? Akukho lutho ngaphandle kwezindaba ezinhle lapha. Uma udinga imininingwane eyengeziwe ngokuphathwa kwezimali emhlabeni jikelele, lokhu kufundeka kakhulu.

Lalela Business Net 90 Accounts

Ukuthengisa kungenye yezinto ezihlukanisa amabhizinisi amancane ahlulekayo kanye namabhizinisi amancane aphumelelayo. Nge-Obey Business, iziqalo namabhizinisi amancane angangena emcebeni wezinsiza zokumaketha. Yonke into kusukela ekwakhiweni kwelogo nokuphathwa kwenkundla yezokuxhumana ingafinyelelwa ngesevisi yebhizinisi le-Obey yokwakha izikweletu. Ngo-$98 ngenyanga, abasebenzisi bangathenga i-net 90 tradeline. Kunomkhawulo wama-$7,500, kodwa awekho amasheke wezikweletu noma ezinye izimfanelo ezidingekayo ukuze ufinyelele le sevisi.

Yakha Isikweletu, Hlala Wamanje Ezinkokhelweni, Khulisa Ibhizinisi Lakho

Kubanikazi bamabhizinisi abasha kanye nosomabhizinisi, kwesinye isikhathi kungazwakala sengathi izinhlangano ezisunguliwe zikutholile konke uma kukhulunywa ngezinto ezifana nekhredithi yebhizinisi kanye Ukukhethwa komthengisi. Kodwa iqiniso liwukuthi wonke umholi webhizinisi ufunda njengoba ehamba, esebenzisa izinsiza eziningi ngangokunokwenzeka, futhi afunde kulabo ababazungezile. Ngakho-ke, kungakhathaliseki ukuthi ibhizinisi lisohambweni lwalo, ukwakha isikweletu sebhizinisi nokuhlala unolwazi lwakamuva mayelana nezinkokhelo nezibopho kokubili kuhle. Amathuluzi ngoba ukukhula.

Sebenzisa uhlu lwabathengisi abangama-90 uma ufuna indawo yokuqala ukwakha isikweletu. Bese, sekuyisikhathi sokukhuphula igeyimu yakho ekhokhwayo yama-akhawunti. Nge-software efana Ama-Nanonet, ungaqhubeka nosuku wazi ukuthi awusoze wephuza ukukhokha nokuthi akukho lutho ngaphandle kwemibiko emihle ye-credit bureau esekusasa lakho. Nge ukugunyazwa kwe-invoyisi okuzenzakalelayo, eyakhelwe ngaphakathi izilawuli zangaphakathi, nezici zokukhokha nge-elekthronikhi, kunzima ukumosha.

Ingxenye engcono kakhulu? I-Nanonets ayimi ekuphathweni kwenkokhelo nasekucubunguleni ama-invoyisi – inamandla okwenza yenza ama-akhawunti akho akhokhelwe ngokuzenzakalelayo ngokuphelele.  

• I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
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• I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
• I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
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• Source: https://nanonets.com/blog/net-90-vendors/