Ixabisa malini inkqubo yokuqalisa imali-mboleko? Isikhokelo esisebenzayo.

Ukuba wakha wakhangela ixabiso lenkqubo yokuqalisa imali-mboleko, kungenzeka ukuba ufumane iimpendulo ezimbini ezingakuncedanga kangako. Mhlawumbi umthengisi ufuna ukuba ubhukishe umnxeba, okanye inqaku licaphula amanani aphuma kwiibhanki ezinkulu ezinabasebenzi be-IT abazinikeleyo.

Loo nto ayiloncedo xa uphethe amasebe amathathu, iqela labantu abathandathu, kwaye usahlanganisa incwadi yakho yemali-mboleko kwi-spreadsheet rhoqo ngoLwesihlanu emva kwemini.

Nalu uluhlu lwamaxabiso olunyanisekileyo: inkqubo yokuqalisa imali-mboleko (LOS) ingaqala malunga ne-$25 ngenyanga kwiqonga lomrhumo elijolise kubabolekisi abancinci, ukuya kutsho ngaphezulu kwe-$100,000 ngonyaka xa usongeze ilayisensi yoshishino, iifizi zeqonga, kunye neprojekthi enkulu yokuphumeza. Umsantsa awungomgangatho. Ungomda—nobunzima obungakanani obuhlawulelayo ongasoze ubuchukumise.

Esi sikhokelo sicacisa iindlela zamaxabiso oza kudibana nazo, izinto ezinyusa okanye zehlise ixabiso elicetywayo, iindleko zokuphumeza ezingafane zibonakale kwisiphakamiso sokuqala, kunye nendlela yokubala i-ROI ngaphandle kokuthembela kumabango eepesenti angaqinisekanga omthengisi.

Ukuba ukhetha ukubona iqonga elisebenzayo kunetshathi yamaxabiso, iLendbox ipapasha izicwangciso zayo kwaye ikunika uvavanyo lweentsuku ezingama-30 lwasimahla apha lendbox.io—akukho khadi, akukho ntlawulo yokuseta. Iqela liza kukungenisa nefayile yakho ye-Excel ukuba kukufuduswa kwedatha okukuthintelayo.

Isiseko Seendleko Esisebenzayo

Uluhlu lwamaxabiso apapashiweyo e-LOS lukhulu. Uza kubona yonke into ukusuka kumakhulu ambalwa eedola ngonyaka kwisixhobo somsebenzisi omnye ukuya kutsho kumanani aneedijithi ezintandathu okanye ezisixhenxe ngonyaka kwi-suite enkulu yoshishino.

Icebo kukwahlula umrhumo wesoftware kwinkcitho yakho yonyaka wokuqala, nokuqaphela xa ilayisensi ephantsi ikubiza ngaphezulu ngokungabonakaliyo.

Kutheni Amaxabiso Apapashiweyo e-LOS Ehluka Kakhulu

Uninzi lwabathengisi besoftware yokuqalisa imali-mboleko yoshishino aluwapapashi amaxabiso. Bacaphula ixabiso ngokweziko emva kwefowuni yokufumanisa iinkcukacha, besenza umrhumo wonyaka ngokobukhulu be-asethi, inani labasebenzisi, kunye nokuba zeziphi iindlela zokubolekisa ozivulayo.

Olo lungelelwano lusebenza kwibhanki ethelekisa ukuqaliswa kwemali-mboleko yoshishino, yabathengi, neyendlu kwi-balance sheet ye-$2 yeebhiliyoni. Kumbolekisi onababoleki abangama-400? Akunjalo kakhulu.

Kwicala elincinci, amaxabiso adla ngokupapashwa kuba imveliso isemgangathweni. Uthenga iqonga esele licwangcisiwe, hayi ulwakhiwo olulungiselelwe wena, ngoko ke ixabiso loluhlu linentsingiselo ngokwenene.

Ukwahlula Iindleko Zesoftware Kwinkcitho Yonyaka Wokuqala

Khawucinge ngezi njengemigca emithathu eyahlukeneyo kuhlahlo lwabiwo-mali lwakho:

• Umrhumo wonyaka: Ihlawulela isoftware ngokwayo, ilinganiswa ngabasebenzisi, amasebe, okanye iimodyuli. Iphindaphindeka kwaye iyacingeleka.
• Ukuphunyezwa: Ihlawulela ukucwangciswa, ukumephwa kokuhamba komsebenzi, ukudityaniswa, ukufuduswa kwedatha, noqeqesho. Yenzeka kanye, kwaye idla ngokuba yeyona nto inkulu yonyaka wokuqala kwiintengiselwano zoshishino.
• Iifizi zeqonga okanye zeziseko: Ihlawulela ilayisensi esisiseko apho i-LOS yakhelwe kwelinye iqonga. Iphindaphindeka, kwaye ngamanye amaxesha ayihoywa ngokupheleleyo.

Ukuphunyezwa kwezinga loshishino kudla ngokuthatha iintsuku ezingama-60 ukuya kwezili-180 zomsebenzi weprojekthi. Loo nto lithuba lokwenyani labasebenzi kwicala lakho nalo, hayi i-invoyisi yomthengisi kuphela.

Iindleko ezipheleleyo zobunini (TCO) sisambuku sazo zonke ezintathu kwiminyaka emithathu ukuya kwemihlanu. Soloko uthelekisa abathengisi ngelo nani, hayi nje ngexabiso elikhankanyiweyo lenyanga.

Xa Ixabiso Eliphantsi Lokuthenga Liba Yindleko Ephezulu

Ilayisensi ephantsi ingaguquka ibe yindleko enkulu ngeendlela ezimbalwa ezinokuqikelelwa.

Ukuba inkqubo ibiza ngokomsebenzisi ngamnye kwaye ufuna wonke umphathi wemali-mboleko kuyo, iindleko zikhula neqela lakho. Ukuba izinto ezingundoqo zihleli kumanqanaba aphezulu, uza kunyusa inqanaba phakathi konyaka. Ukuba iirekhodi zakho zemali-mboleko kunye neerekhodi zakho zocwangciso-mali zihlala kwiinkqubo ezahlukeneyo, uza kuqhubeka uhlawulela umsebenzi wokulungelelanisa ngeeyure zabasebenzi endaweni yeentlawulo zomrhumo.

Le nto yokugqibela yindleko uninzi lwababolekisi abancinci lungazange lubeke nani kuyo, kwaye ngenyaniso, idla ngokuba yeyona inkulu.

Indlela Iimodeli Zamaxabiso Zokuqalisa Imali-mboleko Ezisebenza Ngayo

Iimodeli ezine zongamele esi sithuba: i-SaaS ngomsebenzisi ngamnye okanye ngamanqanaba, iintlawulo ezisekelwe kusetyenziso ezihambelana nomthamo, izivumelwano zoshishino ezenzelwe wena, kunye neendlela ezindala zelayisensi kunye nokugcinwa. Ngasinye sihamba ngendlela eyahlukileyo njengoko incwadi yakho yemali-mboleko ikhula, nto leyo ebaluleke kakhulu kunexabiso lokuthengisa.

Imirhumo ye-SaaS ngoMsebenzisi ngamnye nangamanqanaba

Le yeyona modeli ixhaphakileyo kubabolekisi abancinci nabaphakathi. Uhlawula ngenyanga okanye ngonyaka, kwaye ixabiso linyuka ngezihlalo zabasebenzi, amasebe, okanye iibhanti zeempawu.

Ixabiso lomsebenzisi ngamnye licacile kodwa liyohlwaya imisebenzi enabasebenzi abaninzi ebaleni. Ukuba unamagosa emali-mboleko asibhozo onke afuna ukurekhoda iintlawulo, uhlawulela izihlalo ezisibhozo, kunjalo nje.

Amaxabiso ngokwamanqanaba kulula ukuwacwangcisa, ukuba nje amanqanaba anciphisa umthamo, hayi ubuchule. Yilumkele loo nto. Isicwangciso esibamba iishedyuli ezizenzekelayo okanye ingxelo kude kube linqanaba eliphezulu asisosicwangciso esinexabiso eliphantsi kwaphela.

Ukuze ube nosalathiso, uLendbox upapasha izicwangciso ukusuka kwi-$25 ngenyanga kwisebe elinye nomsebenzisi omnye, ukuya kutsho kwi-$134 ngenyanga kumasebe amathathu nabasebenzi abathandathu. Iimpawu eziphambili zokubolekisa zibandakanyiwe kuzo zonke izicwangciso, yaye akukho ntlawulo yokumisela.

Iintlawulo eziSekelwe kuSetyenziso nakwiSicelo ngalunye

Amanye amaqonga abiza intlawulo ngesicelo ngasinye semali-mboleko, ngesigqibo ngasinye, okanye ngemboleko nganye esebenzayo. Oku kuyasebenza xa umthamo usezantsi kwaye unamaxesha onyaka, kuba iindleko zakho ziyehla xa ukubolekisa kucotha.

Umngcipheko ucacile. Ukukhula kubiza imali eninzi, kwaye ekugqibeleni uyathandabuza kwizicelo ezisemdeni kuba isicelo ngasinye sinentlawulo.

Ukuba unikwe isivumelwano esisekelwe ekusetyenzisweni, sibale ngokuphindwe kathathu umthamo wakho wenyanga wemali-mboleko phambi kokuba usayine. Ukuba elo nani liyakoyikisa, thethana ngomda.

Izivumelwano ezingokwezifiso ze-Enterprise kunye neeNtlawulo zeQonga

Amaqonga e-LOS e-Enterprise abiza ngeziko ngalinye, yaye ukubhaliswa kuqhele ukukhula ngokobungakanani be-asethi kunye neemodyuli ezivuliweyo. Izibophelelo zeminyaka emininzi ziyinto eqhelekileyo.

Lumkela ukuxhomekeka kweqonga. Ukuba i-LOS yakhiwe phezu kwento efana neSalesforce, loo layisensi ihlala phantsi kokubhaliswa kwe-LOS kwaye ihlawulwa ngokwahlukileyo.

Buza ngqo ukuba yintoni iziseko ezingaphantsi, zibiza malini, kwaye yintoni kanye isivumelwano senqanaba lenkonzo (SLA) esiyibophelela ngokwenene kuyo umthengisi. Izithembiso ezingacacanga zokusebenza ngokuqhubekayo azinaxabiso lingako ngaphandle kwexesha lokuphendula elichaziweyo.

Ilayisensi, Ulondolozo, kunye namaLungiselelo aXubeneyo

Iimodeli ezindala ze-on-premise zibiza ilayisensi enye engapheliyo ehlawulwa kube kanye kunye ne-15 ukuya kwi-25 ekhulwini ngonyaka ngolondolozo nohlaziyo. Ungumnini wesoftware, kodwa ukwangumnini weeseva, iibackup, nomngcipheko wokonakala komatshini okwiofisi engasemva.

Izivumelwano ezixubeneyo ziya zixhaphaka: ukubhaliswa okuyisiseko okulinganiselweyo kunye neentlawulo zesicelo ngasinye okanye zemodyuli nganye ezongezelelwe phezulu.

Izivumelwano ezixubeneyo zilungile, kodwa zenza uqikelelo lube nzima. Nyanzelisa umzekelo osebenzayo ngomthamo wakho oqikelelweyo, ubhalwe phantsi, phambi kokuba usayine nantoni na.

Izinto eziQhuba iindleko Emva kweXabiso

Zine izinto ezishukumisa ixabiso lokusungulwa kwemali-mboleko ngaphezu kwayo nayiphi na enye into: ukuba zingaphi iimveliso zemali-mboleko namajelo owasebenzisayo, nokuba lungakanani ukwenziwa kwezigqibo okuzenzekelayo olufunayo, ukuba zingaphi iinkqubo zangaphandle ekufuneka uzidityanisile, nokuba bungakanani ububanzi bokuthobela kwakho.

Nganye kwezi yongeza iindleko eziphindaphindwayo nomsebenzi wokuphumeza.

IiMveliso zeMali-mboleko, amaJelo, nobuNzima bokuHamba komSebenzi

Imveliso enye yemali-mboleko yomvuzo kwangaphambili ene nyathelo elinye lokuvunywa ayibizi mali ininzi ukuyimisela. Iimveliso ezilishumi elinambini kwiinkalo zokubolekisa abathengi, ukubolekisa amashishini amancinci, nokuxhasa ngemali iiasethi, nganye inesakhiwo sayo sentlawulo nekhonkco layo lokuvunywa, azibizi mali ininzi ukuyimisela.

Amajelo ayayandisa le nto. Ukwamkelwa kwisebe, amagosa asentsimini, ifomu yesicelo kwi-intanethi, kunye nejelo leebroker zonke zifuna inkqubo yazo yokusungula kunye nokuvavanywa kwazo.

Nali icebiso elincinane: bhala phantsi yonke imveliso yemali-mboleko oyikhuphe ngokwenene kunyaka ophelileyo, emva koko unciphise uluhlu. Uninzi lwababolekisi lufumanisa ukuba iimveliso ezintathu okanye ezine zithwala incwadi kunjalo.

IiMfuneko zokuHlola uMngcipheko, ukuThathwa kwezigqibo, noMgaqo-nkqubo weTyala

Ukuhlola umngcipheko ngesandla ngomgaqo-nkqubo wetyala obhaliweyo kuphantse kungabizi nto ukuwuxhasa kwisoftware. Ukuhlola ityala okuzenzekelayo nge-injini yezigqibo esekelwe kwimithetho kubiza ngaphezulu, kuba umgaqo-nkqubo wakho wetyala kufuneka uguqulelwe kwingqiqo, uvavanywe, kwaye ulondolozwe.

Izixhobo zokuhlalutya ityala ziphakathi. Ukunika amanqaku omngcipheko ngokusekelwe kwimbali yomboleki ngoku kuyinto eqhelekileyo, nakumaqonga akumgangatho ophakathi, kwaye kuluncedo ngokwenene ekuboneni ukuba yeyiphi incwadi yegosa eshibilikayo.

Ngokunyanisekileyo, ukuba abasebenzi ababini abanamava bangangavumelani kwisicelo esisemdeni, i-injini yezigqibo ayiyi kuyisombulula loo nto. Iza kubhala nje isigqibo somntu omnye. Thenga ukwenza okuzenzekelayo ngenxa yomthamo, hayi ngenxa yobulumko.

UkuDityaniswa, amaXwebhu, kunye neeMpawu zokuSayina ze-E

Konke ukudityaniswa yinto ekwihlu lweentlawulo kwaye yintloko ebuhlungu yolondolozo. Iibhuro zetyala, ababoneleli bedatha abahlukileyo, ukuhlolwa kwe-KYC ne-AML, iindlela zokuhlawula, kunye nenkqubo yakho yobalo-mali konke kuthetha umsebenzi wokumisela kwaye, ngokufuthi, iintlawulo zokusetyenziswa ngalunye.

Ukuphathwa kwamaxwebhu kulula ukuwajongela phantsi. Ukuqokelela amaxwebhu, iitemplates zezivumelwano, kunye nokukwazi ukusayina nge-e-signature (esign) kubiza kancinci xa kwakhiwe ngaphakathi kwaye kuyabiza xa kuthengwa njengeenkonzo ezahlukileyo ezihlawuliswa ngemvulophu nganye.

Apho idatha yekhadi ibandakanyekayo, ububanzi bePayment Card Industry (PCI) bongeza iindleko nazo. Buza ukuba umthengisi uyigcina ngaphandle ngokupheleleyo na idatha yekhadi kwimeko-bume yakho.

Ububanzi bokuThobela kunye noTshintsho oluQhubekayo

Ukuthobela imigaqo kulindleko ephindaphindwayo, ayilonto yenzeka kube kanye. Imithetho iyatshintsha, kwaye kufuneka umntu ahlaziye iitemplates, izaziso, neengxelo xa zitshintsha.

Ababolekisi base-US banezibophelelo ezithile ezifana neEqual Credit Opportunity Act (ECOA) ezibumba i-LOS yemali-mboleko yezindlu kunye namaxabiso okubolekisa abathengi. Ukuba ubolekisa kwiiPhilippines, eZambia, okanye eKenya, okuninzi kuloo nto bububanzi ongabufuniyo kwaye ongafanele ubuhlawule.

Yiba ucacile kuwo nawuphi na umthengisi: isoftware iyawuxhasa umsebenzi wakho wokuthobela, kodwa ayikuqinisekisi. Buza ukuba ngubani ogcina uhlaziyo lokuthobela kwaye luhanjiswa njani, emva koko gcina iirekhodi zakho xa kunokwenzeka.

Iindleko zokuPhumeza nokuFuduka ekufuneka uziCwangcisele

Ukuphumeza kulapho uhlahlo lwabiwo-mali lutyibilika khona. Ukuqwalasela xa kuthelekiswa nophuhliso lwezifiso, ukufudusa incwadi yemali-mboleko kwiispredishithi, ukuqeqesha abasebenzi abasele bexakekile, kunye nokulawula ububanzi konke kuyongezeka—okuninzi kuko kukwiiyure zeqela lakho.

UkuQwalasela xa kuthelekiswa noPhuhliso lweZifiso

Uqwalaselo luthetha ukumisela iimveliso zemali-mboleko, iifizi, amanyathelo okuvunywa, neetemplates kusetyenziswa izixhobo esele zibonelelwa liqonga. Lufakwe kwiimveliso ezininzi zokubhalisa kwaye luthatha iintsuku, hayi iinyanga.

Uphuhliso olwenziwe ngokweemfuno zakho luthetha ukutshintsha isoftware. I-LOS eyakhelwe ngokweenkcukacha zakho ikunika ngqo indlela yokusebenza oyicelileyo kwaye ikushiya ungumnini walo lonke utshintsho lwexesha elizayo, lonke ungquzulwano lophuculo, nayo yonke ibug.

Kubabolekisi abaninzi abangaphantsi kwamawaka ambalwa eemali-mboleko ezisebenzayo, uqwalaselo lwanele. Cela umthengisi ukuba abonise iimveliso zakho ezimbini ezinzima kakhulu zemali-mboleko zisebenza ngexesha lovavanyo, kusetyenziswa uqwalaselo kuphela. Ukuba bafuna umphuhlisi, qaphela.

Ukufuduswa kwedatha ukusuka kwii-spreadsheets kunye neenkqubo ezidala

Ukufuduswa kwe-spreadsheet kudla ngokuba lula kunokuba ababolekisi besoyika kwaye kungcolile kunokuba belindele. Umsebenzi awuyiyo into yokulayisha—kukufumanisa ibhalansi yakho yokwenene eseleyo xa iitabs ezintathu zingavumelani.

Bekela ixesha lokucoca kuqala. Fumana ifayile enye ecocekileyo kudidi ngalunye: ababoleki, iimali-mboleko ezisebenzayo, imbali yokubuyisela, isibambiso.

Ukungenisa idatha kwi-Excel okanye kwi-CSV yinto eqhelekileyo kumaqonga anamhlanje, kwaye abanye abathengisi, kuquka Lendbox, baya kukwenzela ukungenisa kokuqala ukuba uthumela ifayile. Eso sithembiso sisusa esona sizathu sikhulu sokuba ababolekisi bahlale kwii-spreadsheets omnye unyaka.

Ukufuduswa kwenkqubo endala kunzima ngakumbi. Nyanzelisa ukungeniswa kovavanyo kwi-sandbox kwaye uthelekise iitotali ngokwakho phambi kokuqaliswa.

Ukungeniswa, uqeqesho, kunye nobunini bangaphakathi

Ukuphunyezwa okungabizi kakhulu kusasilela ngaphandle kokuba umntu ngaphakathi kwishishini lakho uyayiphethe ngokwenene. Ayingomnini, kodwa akangoyena msebenzi usezantsi nokuba.

Ngokuqhelekileyo, ngumphathi wezemisebenzi okanye umphathi wesebe oye athabathe inyathelo.

Nika loo mntu igunya lokwenyani lokugqiba ukuba iintlawulo zokubuyisela zabelwa njani, ukuba zeziphi iingxelo ezibalulekileyo, kwaye ngubani ofumana ziphi iimvume. Ukuba ushiya ezo zinto zingacacanga, uphela uneerekhodi ezingangqinelaniyo—kanye le ngxaki uzama ukuyibaleka.

Iindleko zoqeqesho ziguquguquka kakhulu kuxhomekeke kwindlela ozenza ngayo. Iiseshoni zevidiyo ezicwangcisiweyo kunye neziko loncedo ziyasebenza kumaqela amancinci.

Amaziko amakhulu adla ngokufuna iiveki zoqeqesho kwindawo yokusebenza. Iiyure ezimbini ezigxile kunye nabantu abasebenzisa inkqubo yonke imihla ziyoyisa iseshoni yosuku lonke kumntu wonke, ngenyaniso.

Imizila yophicotho inceda apha ngaphezu kokuba abaphathi abaninzi belindele. Xa lonke utshintsho lubhalwa, iingxabano malunga nokwenzekileyo zidla ngokuphela ngokukhawuleza.

Indlela yokuphepha ukukhula komda ngexesha leprojekthi yokuphunyezwa

Ukukhula komda kwiiprojekthi zokubolekisa kunepateni eqhelekileyo. Umntu ubona inkqubo entsha emenyezelayo aze acele ingxelo yakhe yamaphupha, kwaye ngequbuliso umhla wokuqaliswa ubuyela umva ngeveki ezimbalwa.

Imikhwa emithathu esebenzayo:

• Khenkceza umda wokuqaliswa ngokubhaliweyo kwaye ugcine uluhlu olwahlukileyo “lwesigaba sesibini” ekungekho mntu uxabana ngalo
• Faka iitemplates zakho ezikhoyo kunye neendlela zokusebenza zokuvunywa kwinkqubo entsha kunokuba uziphinde uziyile phakathi kweprojekthi
• Sebenzisa inkqubo endala nentsha ngaxeshanye inyanga enye kwisebe elinye, emva koko utshintshe

Ukubala i-ROI ngaphaya kwezicelo ezikhawulezayo

Izixhobo zokubala ze-ROI zabathengisi ziyakuthanda ukucaphula iipesenti zexesha lokucubungula ongenako ukuzijonga ngokwenene. Indlela ethembekileyo ngakumbi ilinganisa izinto ezintathu onokuzibala: iiyure zabasebenzi, iindleko zeerekhodi ezingahambelaniyo, nokuba ubuchule obongezelelweyo obuhlawulelayo buyasetyenziswa na.

Ukulinganisa ixesha labasebenzi, umsebenzi ophindiweyo, kunye nokulibaziseka kovunywa

Chitha iveki ulinganisa ixesha kwizinto ezidikayo. Kuthatha ixesha elingakanani ukuba igosa lemali-mboleko lilungise ishedyuli yokubuyisela ngesandla?

Kuthatha ixesha elingakanani ukuphela kwenyanga? Zingaphi iiyure ezingena ekuveliseni ingxelo ecelwe ngumboliki ngomnxeba?

Phindaphinda ezo yure ngeendleko ezipheleleyo zabasebenzi. Elo nani sisiseko sakho, kwaye lidla ngokuba likhulu kunomrhumo wonyaka weqonga eliphakathi lokuqalisa iimali-mboleko.

Emva koko yongeza umsebenzi ophindiweyo: iintlawulo ezabelwa ngokungangqinelaniyo, izohlwayo zibalwa ngokutsha, izivumelwano zichwethezwa ngokutsha kwiWord. Umsebenzi ophindiweyo uzifihla kwiiakhawunti kodwa uyavela ukuba ugcina idayari.

Ukulibaziseka kovunywa kunzima ngakumbi ukulibeka ixabiso. Ukuba umboleki ulinda iintsuku ezine ngesigqibo abenokusifumana ngosuku olunye, abanye babo bayahamba nje. Qikelela ngononophelo kwaye ubhale uqikelelo lwakho.

Ukubeka ixabiso kwindleko yeerekhodi eziqhekezileyo zemali-mboleko nobalulo-mali

Kulapho ababolekisi abancinci balahlekelwa yimali eninzi kwaye bengaqapheli. Xa incwadi yemali-mboleko neencwadi zobalulo-mali zihlala kwiinkqubo ezahlukileyo, yonke ukuphela kwenyanga kuphenduka intloko ebuhlungu yothelekiso, kwaye ukubonakala kwamatyala angahlawulwanga kubambezeleka ngeentsuku.

Yibeke ixabiso kwiindawo ezintathu:

• Iiyure zothelekiso ngenyanga, ngeendleko ezipheleleyo zabasebenzi
• Ukubhaqwa kade kwamatyala angahlawulwanga, njengomndilili weentsuku phakathi kwentlawulo ephosiweyo kunye nokuqaphela komntu
• Izohlwayo neefizi ezingazange zihlawuliswe kuba akukho mntu wazibalayo

Iqonga lokubolekisa eline i-accounting yokubhala kabini eyakhelwe ngaphakathi lisusa umgca wokuqala ngokupheleleyo. Amangeniso ejenali avela ngqo kumsebenzi wokubolekisa endaweni yokufakwa kwakhona, nto leyo elugcino lwesakhiwo—hayi nje ibango lobuchule.

Ukuvavanya ukuba ingaba amandla ongezelelweyo aya kusetyenziswa ngokwenene na

Umthamo ongasoze uwusebenzise yindleko nje ephindaphindayo. Phambi kokuba uvume inqanaba eliphezulu okanye imodyuli eyongezelelweyo, chaza umntu oza kuyisebenzisa kunye neveki aza kuqala ngayo.

Nalu uvavanyo oluthe ngqo: ngexesha lovavanyo, qhuba iimali-mboleko ezilishumi zokwenyani ukusuka ekuqaleni ukuya ekupheleni, kuquka imeko enye yokungahlawuli kunye nokuhlawula kwangaphambi kwexesha. Nantoni na ongazange uyichukumise, kusenokwenzeka ukuba awukayidingi okwangoku.

Ukukwazi ukukhula kubalulekile, kodwa ufuna kubekho xa ukhula—kungahlali kungenziwa nto iminyaka emithathu.

Ukukhetha inkqubo elingana nomsebenzi wakho wokubolekisa

Imarike ye-LOS yahlukana phakathi kwamaqonga okubhalisela alula, iinkqubo eziphakathi nezinokulungelelaniswa, kunye neesuite zeshishini ezithengiselwa iibhanki namanyano okubolekisa. Ukutshatisa inqanaba nencwadi yakho yemali-mboleko—hayi nje amabhongo akho—kugcina inkcitho yakho isengqiqweni.

Xa iqonga elilula lilukhetho olunengqiqo

Ukuba uqhuba iimali-mboleko ezisebenzayo ezingaphantsi kwamawaka ambalwa kumasebe asusela kwelinye ukuya kwamahlanu, iqonga lokubhalisela elinexabiso elipapashiweyo lidla ngokuba likhetho elifanelekileyo. Turnkey Lender, LoanPro, LendingWise, HES LoanBox, kunye neLendbox zonke zisebenza kwesi sithuba, nganye igxile kwindawo yayo.

Kule nqanaba, kufuneka ulindele iimveliso zemali-mboleko neeshedyuli, ukulandelela iintlawulo, iingxelo zokungahlawuli, unxibelelwano nababoleki, i-portal yababoleki, kunye ne-accounting edityanisiweyo. I-app yeselula esebenzayo ibaluleke ngakumbi kunokuba uninzi lwemiboniso lubonisa, kuba amagosa akho awahlali edesikeni imini yonke.

Ungalindeli iinjini zezigqibo ezenziwe ngokweemfuno zakho, ukudityaniswa okunzulu ne-core banking, okanye i-automation yokubhengezwa ekumgangatho we-mortgage apha.

Xa iiqonga ze-LOS zeshishini zinokuthetheleleka

Iindleko zeeqonga zeshishini ziyafaneleka xa uthatha indawo yenkqubo yokugcina iirekhodi kwiindlela ezininzi zokubolekisa. nCino, MeridianLink, Abrigo, Baker Hill, Jack Henry, Fiserv, Origence, Blend, Biz2X, defi Solutions, kunye noFuse ziyayisebenzela loo marike.

Encompass, LendingPad, Calyx Path, Calyx Point, Arive, Spark, kunye neBuilt zithambekele ekubolekiseni ngemali-mboleko yendlu, kwi-CRM ye-mortgage, nakwimali-mboleko yokwakha.

Ukuba uyibhanki yasekuhlaleni eqhuba ukuqaliswa kweemali-mboleko zorhwebo ecaleni kokubolekisa abathengi ne-mortgage, eso sithuba siyinyani kwaye ilayisensi iyasibonakalisa.

Ukuba umqobo wakho wokwenyani linyathelo nje elinye, ukuthenga i-suite ukuyilungisa kuyacotha kwaye kuyabiza. Uninzi lweqonga luba ngumthamo owuhlawulelayo kodwa ongaze uwusebenzise.

Imibuzo oza kuyibuza phambi kokuba usayine ikhontrakthi

Buza le mibuzo ngokubhaliweyo, uze ugcine iimpendulo. Ndithembe, uya kuzifuna kamva.

• Zithini iindleko zizonke zonyaka wokuqala? Oko kuthetha ukuphunyezwa, ukufuduswa, uqeqesho, nazo naziphi na iintlawulo zeqonga ezifihlakeleyo ezifihlwe phantsi kwemveliso.
• Zeziphi iimpawu ezitshixelwe emva kwamanqanaba aphezulu? Kwaye yintoni kanye kanye ebangela ukunyuswa?
• Linde kangakanani ixesha lekhontrakthi? Kwenzeka ntoni xa kuhlaziywa, kwaye ingaba ixabiso lingatsiba?
• Ukuba ndiyahamba, ndingakwazi na ukukhupha incwadi yam yemali-mboleko epheleleyo, iirekhodi zababoleki, nembali yeentlawulo ngefomathi endinokuyisebenzisa ngokwenene?
• Ngubani ophethe ukufuduswa kwedatha? Ingaba niza kuqhuba uvavanyo lokungenisa ngaphambi kokuba siqalise ukusebenza?
• Yintoni ngokwenene inkxaso eyigubungelayo? Ngawaphi amaxesha, kwaye ngaziphi iindlela zonxibelelwano?

Ngokunyanisekileyo, umbuzo wokukhupha unokutyhila okuninzi. Ukuba umthengisi ukhululekile ngokushiya kwakho, mhlawumbi ngulowo onokumthemba.