Kubiza Malini Uhlelo Lokuqalisa Imalimboleko? Umhlahlandlela Osebenzayo

Uma wake wafuna intengo yohlelo lokusungula imalimboleko, cishe uthole izimpendulo ezimbili ezingakusizanga kangako. Kungaba ukuthi umthengisi ufuna ubhukhe ucingo, noma i-athikili icaphune amanani avela emabhangini amakhulu anethimba elikhethekile le-IT.

Lokho akusizi ngalutho uma uphethe amagatsha amathathu, ithimba labantu abayisithupha, futhi usaqhathanisa incwadi yakho yemalimboleko kusipredishithi njalo ngoLwesihlanu ntambama.

Nanka ububanzi obuthembekile: uhlelo lokusungula imalimboleko (LOS) lungahluka kusukela cishe ku-$25 ngenyanga ngeplathifomu yokubhalisela ehloselwe ababolekisi abancane, kuya ngaphezu kuka-$100,000 ngonyaka uma usufaka amalayisense ebhizinisi, izinkokhelo zeplathifomu, kanye nomsebenzi omkhulu wokusetha. Umehluko awuphathelene nekhwalithi. Uphathelene nobubanzi—kanye nokuthi ukhokhela ubunkimbinkimbi obungakanani obungeke uze ubuthinte.

Lo mhlahlandlela uhlukanisa amamodeli entengo ozohlangabezana nawo, izinto ezenza ikhotheshini ikhuphuke noma yehle, izindleko zokusetha ezingavamile ukuvela esiphakamisweni sokuqala, kanye nendlela yokubala i-ROI ngaphandle kokuncika ezimangalweni zamaphesenti eziyihaba zomthengisi.

Uma ungathanda ukubona iplathifomu esebenzayo kuneshadi lentengo, i-Lendbox ishicilela amapulani ayo futhi ikunikeza isilingo samahhala sezinsuku ezingama-30 ku lendbox.io—akukho khadi, akukho mali yokusetha. Ithimba lizokungenisela ngisho nefayela lakho le-Excel uma ukuthuthela kuyilokho okukubambayo.

Isisekelo Sezindleko Esisebenzayo

Ububanzi bamanani ashicilelwe e-LOS bukhulu kakhulu. Uzobona konke kusukela kumakhulu ambalwa amadola ngonyaka ngethuluzi lomsebenzisi oyedwa kuya ezibalweni zamadola eziyisithupha noma eziyisikhombisa ngonyaka ngesudi enkulu yebhizinisi.

Icebo ukuhlukanisa ukubhalisela isofthiwe kusukela emalini oyisebenzisa onyakeni wokuqala, nokubona lapho ilayisense eshibhile ikubiza kakhulu buthule.

Kungani Amanani Ashicilelwe e-LOS Ehluka Kakhulu

Iningi labathengisi besofthiwe yebhizinisi yokusungula imalimboleko aliwashicileli amanani. Banikeza ikhotheshini ngesikhungo ngasinye ngemva kocingo lokuhlola, bekala ukubhalisela konyaka ngobukhulu bezimpahla, inani labasebenzisi, nokuthi yimiphi imigqa yokuboleka oyivulayo.

Leyo ndlela iyasebenza ebhange eliqhathanisa ukusungulwa kwezohwebo, abathengi, kanye ne-mortgage kulo lonke ishidi lebhalansi elingu-$2 billion. Kumbolekisi onababoleki abangama-400? Akunjalo kangako.

Ngakolunye uhlangothi oluncane, amanani avame ukushicilelwa ngoba umkhiqizo usezingeni elijwayelekile. Uthenga iplathifomu esethiwe, hhayi eyakhelwe wena, ngakho intengo esohlwini inengqondo ngempela.

Ukuhlukanisa Izindleko Zesofthiwe Nemali Esetshenziswa Ngonyaka Wokuqala

Cabanga ngalokhu njengemigqa emithathu ehlukene kusabelomali sakho:

• Ukubhalisela konyaka: Kuhlanganisa isofthiwe ngokwayo, kuhlelwa ngokwabasebenzisi, amagatsha, noma amamojuli. Kuyaphindeka futhi kuyabikezeleka.
• Ukuqaliswa: Kuhlanganisa ukumiswa, ukuhlelwa kokugeleza komsebenzi, ukuhlanganiswa, ukuthuthwa kwedatha, nokuqeqeshwa. Kwenzeka kanye, futhi ngokuvamile kuyinto enkulu kakhulu yonyaka wokuqala kumadili ebhizinisi.
• Izinkokhelo zeplathifomu noma zengqalasizinda: Kuhlanganisa amalayisense angaphansi lapho i-LOS yakhelwe kwenye iplathifomu. Kuyaphindeka, futhi ngezinye izikhathi kuyaphuthelwa ngokuphelele.

Ukuqaliswa kwebhizinisi kuvame ukuthatha izinsuku ezingama-60 kuya kweziyi-180 zomsebenzi wephrojekthi. Leso yisikhathi sangempela sabasebenzi ngasohlangothini lwakho futhi, hhayi nje i-invoyisi yomthengisi.

Izindleko eziphelele zobunikazi (TCO) yisamba sazo zontathu phakathi neminyaka emithathu kuya kwemihlanu. Ngaso sonke isikhathi qhathanisa abathengisi ngaleyo nombolo, hhayi nje intengo yanyanga zonke evezwa phambili.

Lapho Intengo Yesitikha Ephansi Iba Yizindleko Eziphakeme

Ilayisense eshibhile ingagcina ikubiza kakhulu ngezindlela ezimbalwa ezingabikezelwa.

Uma isistimu ikhokhisa ngokomsebenzisi ngamunye futhi udinga wonke umphathi wemalimboleko kuyo, izindleko zikhuphuka nethimba lakho. Uma izici eziyinhloko zingemuva kwezinyathelo eziphakeme, uzokhuphukela ezingeni eliphezulu phakathi nonyaka. Uma amarekhodi akho emalimboleko kanye namarekhodi akho okubalwa kwezimali ehlala ezinhlelweni ezihlukene, uzoqhubeka ukhokhela umsebenzi wokubuyisana ngamahora abasebenzi esikhundleni sezinkokhelo zokubhalisa.

Leyo yokugcina iyindleko ababolekisi abancane abaningi abangakaze babeke inombolo kuyo, futhi ngokwethembeka, ngokuvamile iyona enkulu kunazo zonke.

Indlela Amamodeli Entengo Yokusungula Imalimboleko Asebenza Ngayo

Amamodeli amane abusa kulo mkhakha: i-SaaS ngomsebenzisi ngamunye noma ngezigaba, izinkokhelo ezisekelwe ekusetshenzisweni okuhlobene nomthamo, izivumelwano zebhizinisi ezenziwe ngokwezifiso, kanye nezinhlelo ezindala zelayisense kanye nokunakekelwa. Ngalinye liziphatha ngendlela ehlukile njengoba incwadi yakho yemalimboleko ikhula, okuyinto ebaluleke kakhulu kunentengo yesitikha.

Ukubhalisela kwe-SaaS Ngomsebenzisi Ngamunye Nangezigaba

Lena yindlela evame kakhulu kubabolekisi abancane nabaphakathi nendawo. Ukhokha nyanga zonke noma ngonyaka, futhi intengo ikhuphuka ngezihlalo zabasebenzi, amagatsha, noma amaqoqo ezici.

Intengo ngomsebenzisi ngamunye iqondile kodwa ijezisa ukusebenza okunabasebenzi abaningi basensimini. Uma unabaphathi bemalimboleko abayisishiyagalombili bonke abadinga ukuqopha izinkokhelo, ukhokhela izihlalo eziyisishiyagalombili, akukho okunye.

Amanani ahlelwe ngamazinga kulula ukuwahlelela, inqobo nje uma amazinga ekhawulela umthamo, hhayi ikhono. Qaphela lokho. Uhlelo olugodla amashejuli azenzakalelayo noma ukubika kuze kufike izinga eliphezulu alulona neze uhlelo olushibhile.

Njengereferensi, i-Lendbox ikhipha amahlelo asuka ku-$25 ngenyanga ngegatsha elilodwa nomsebenzisi oyedwa, aze afike ku-$134 ngenyanga ngamagatsha amathathu nabasebenzi abayisithupha. Izici eziyinhloko zokubolekisa zifakiwe kuwo wonke amahlelo, futhi ayikho imali yokumisa.

Izindleko Ezisekelwe Ekusetshenzisweni Nangesicelo Ngasinye

Amanye amapulatifomu akhokhisa ngesicelo ngasinye semalimboleko, ngesinqumo ngasinye, noma ngemalimboleko ngayinye esebenzayo. Lokhu kuyasebenza lapho umthamo uphansi futhi ungesizini, ngoba izindleko zakho zehla lapho ukubolekisa kuhamba kancane.

Ingcuphe isobala. Ukukhula kuba yizindleko eziphezulu, futhi ugcina unqikaza ngezicelo ezisemngceleni ngoba ngasinye sinemali ekhokhwayo.

Uma unikezwe isivumelwano esisekelwe ekusetshenzisweni, sibale ngokuphindwe kathathu komthamo wakho wamanje wemalimboleko yanyanga zonke ngaphambi kokusayina. Uma leyo nombolo ikwethusa, xoxisana ngomkhawulo.

Izivumelwano Zangokwezifiso Zebhizinisi Nezindleko Zepulatifomu

Amapulatifomu e-LOS ebhizinisi anika amanani ngesikhungo ngasinye, futhi ukubhaliselwe ngokuvamile kukhuphuka ngobukhulu bezimpahla namamojuli anikwe amandla. Ukuzibophezela kweminyaka eminingi kuyinto evamile.

Qaphela ukuncika kwepulatifomu. Uma i-LOS yakhelwe phezu kwento efana ne-Salesforce, leyo layisensi ihlala ngaphansi kokubhaliselwe kwe-LOS futhi ikhokhiswa ngokuhlukile.

Buza ngqo ukuthi iyiphi ingqalasizinda engezansi, ibiza malini, nokuthi isivumelwano sezinga lesevisi (SLA) empeleni sibophezela umthengisi entweni eyini. Izithembiso ezingacacile zesikhathi sokusebenza azinakho ukubaluleka okukhulu ngaphandle kwesikhathi esichaziwe sokuphendula.

Ilayisensi, Ukunakekelwa, Namalungiselelo Ahlanganisiwe

Amamodeli amadala asendaweni yakho akhokhisa ilayisensi yaphakade ekhokhwa kanye kanye kuhlanganisa namaphesenti angu-15 kuya kwangu-25 ngonyaka ngokunakekelwa nokuthuthukiswa. Isofthiwe ingeyakho, kodwa futhi amaseva, izipele, kanye nengcuphe yokuthi umshini osehhovisi elingemuva ufe nakho kungokwakho.

Izivumelwano ezihlanganisiwe ziya ngokuya zivama: ukubhaliselwa okuyisisekelo okulingene kuhlanganisa nezindleko ngesicelo ngasinye noma ngemojuli ngayinye ezifakwe phezulu.

Izivumelwano ezihlanganisiwe zilungile, kodwa zenza ukubikezela kube nzima. Phikelela ngesibonelo esibaliwe ngomthamo wakho olinganiselwe, ngokubhaliwe, ngaphambi kokusayina noma yini.

Izimbangela Zezindleko Ngemuva Kwentengo

Izinto ezine ezishintsha intengo yokuqalisa imalimboleko ngaphezu kwanoma yini enye: ukuthi mingaki imikhiqizo yemalimboleko nezindlela ozisebenzisayo, ukuthi kungakanani ukuthatha izinqumo okuzenzakalelayo okufunayo, ukuthi mangaki amasistimu angaphandle odinga ukuwaxhuma, nokuthi ububanzi bomkhakha wakho wokuhambisana nemithetho bungakanani.

Ngayinye yengeza izindleko eziphindaphindayo nomsebenzi wokuqalisa.

Imikhiqizo Yemalimboleko, Izindlela, Nobunkimbinkimbi Bokugeleza Komsebenzi

Umkhiqizo owodwa wemali yokweholelo onaso isinyathelo esisodwa sokugunyaza ushibhile ukuwumisa. Imikhiqizo eyishumi nambili ehlanganisa ukubolekisa kwabathengi, ukubolekisa kwamabhizinisi amancane, nezimali zempahla, ngamunye unesakhiwo sawo sezindleko nochungechunge lwawo lokugunyaza, ayishibhile.

Izindlela ziyakwandisa lokhu. Ukwamukelwa egatsheni, izikhulu zasensimini, ifomu lesicelo eliku-inthanethi, kanye nomzila wabashintshi konke kudinga ukugeleza komsebenzi wako wokuqalisa nokuhlolwa kwako.

Nansi iseluleko esincane: bhala phansi yonke imikhiqizo yemalimboleko oyikhiphile ngempela onyakeni odlule, bese unciphisa uhlu. Ababolekisi abaningi bathola ukuthi imikhiqizo emithathu noma emine yiyona ethwala ibhuku noma kunjalo.

Izidingo Zokuhlola Ubungcuphe, Ukuthatha Izinqumo, Nenqubomgomo Yezikweletu

Ukuhlola ubungcuphe ngesandla ngenqubomgomo yezikweletu ebhaliwe cishe akubizi lutho ukukusekela kusofthiwe. Ukuhlola ubungcuphe bemalimboleko okuzenzakalelayo ngenjini yezinqumo esekelwe emithethweni kubiza ngaphezulu, ngoba inqubomgomo yakho yezikweletu kufanele iguqulelwe ekucabangeni okuhlelekile, ihlolwe, futhi inakekelwe.

Amathuluzi okuhlaziya izikweletu aphakathi nendawo. Ukukala ubungcuphe ngokusekelwe kumlando womboleki manje sekuyinto evamile impela, ngisho nasemapulatifomu amaphakathi nemakethe, futhi kuwusizo ngempela ekuboneni ukuthi yiliphi ibhuku lesikhulu elihlehlelayo.

Ngeqiniso, uma abasebenzi ababili abanolwazi bengeke bavumelane ngesicelo esisemngceleni, injini yezinqumo ngeke ikuxazulule lokho. Izomane ifake ukwahlulela komuntu oyedwa. Thenga ukuzenzakalela ngenxa yomthamo, hhayi ngenxa yobuhlakani.

Ukuhlanganiswa, Imibhalo, Namasignesha E-elekthronikhi

Konke ukuhlanganiswa kuyinto ehlukile yezindleko futhi kuyikhanda elibuhlungu lokunakekelwa. Izikhungo zezikweletu, abahlinzeki bedatha ehlukile, ukuhlolwa kwe-KYC ne-AML, izindlela zokukhokha, kanye nesistimu yakho yokubalwa kwezimali konke kusho umsebenzi wokumisa futhi, ngokuvamile, nezindleko ngokubizwa ngakunye.

Ukuphathwa kwemibhalo kulula ukukubukela phansi. Ukuqoqwa kwemibhalo, izifanekiso zezivumelwano, nekhono lamasignesha e-elekthronikhi (esign) kushibhile uma kwakhelwe ngaphakathi futhi kuyabiza uma kuthengwa njengezinsizakalo ezihlukile ezikhokhiswa ngemvilophu ngayinye.

Lapho kuhileleke khona idatha yekhadi, ububanzi be-Payment Card Industry (PCI) bungeza izindleko futhi. Buza ukuthi umthengisi uyigcina yini idatha yekhadi ingekho ngokuphelele endaweni yakho.

Ububanzi Bokuhambisana Nemithetho Noshintsho Oluqhubekayo

Ukuhambisana nemithetho kuyizindleko eziphindaphindayo, hhayi isici esenzeka kanye. Imithetho iyashintsha, futhi umuntu kufanele avuselele izifanekiso, ukudalulwa, nemibiko lapho ishintsha.

Ababolekisi base-US banezibopho eziqondile ezifana ne-Equal Credit Opportunity Act (ECOA) ezilolonga i-LOS yemalimboleko yezindlu namanani okubolekisa kwabathengi. Uma ubolekisa e-Philippines, e-Zambia, noma e-Kenya, okuningi kwalokho kungububanzi obungawudingi futhi okungafanele ubukhokhele.

Yiba sobala kunoma yimuphi umthengisi: isofthiwe isekela umsebenzi wakho wokuhambisana nemithetho, kodwa ayikuqinisekisi. Buza ukuthi ubani onakekela izibuyekezo zokuhambisana nemithetho nokuthi zilethwa kanjani, bese ugcina amarekhodi akho uqobo uma kwenzeka.

Izindleko Zokuqalisa Nokufuduka Okufanele Uzihlelele

Ukuqalisa yilapho izabelomali ziphambuka khona. Ukumiswa ngokwesifiso kuqhathaniswa nokuthuthukiswa ngokwezifiso, ukufudusa ibhuku lemalimboleko kuma-spreadsheet, ukuqeqesha abasebenzi asebevele bematasa, nokulawula ububanzi konke kuyahlangana—iningi lakho kungamahora eqembu lakho uqobo.

Ukumiswa Ngokwesifiso Kuqhathaniswa Nokuthuthukiswa Ngokwezifiso

Ukucushwa kusho ukuhlela imikhiqizo yemali mboleko, izimali ezikhokhwayo, izinyathelo zokugunyaza, namathe-mpulethi kusetshenziswa amathuluzi inkundla esivele iwanikezayo. Kufakiwe emikhiqizweni eminingi yokubhalisa futhi kuthatha izinsuku, hhayi izinyanga.

Ukuthuthukiswa ngokwezifiso kusho ukuguqula isofthiwe. I-LOS eyakhelwe ngokwezidingo zakho ikunikeza ngqo indlela yokusebenza oyicelile bese ikushiya uphethe zonke izinguquko zesikhathi esizayo, zonke izingxabano zokuthuthukisa, nawo wonke amaphutha.

Kubabolekisi abaningi abanemalimboleko asebenzayo angaphansi kwezinkulungwane ezimbalwa, ukucushwa kwanele. Cela umthengisi ukuthi akubonise imikhiqizo yakho emibili yemalimboleko eyinselele kakhulu isebenza ngesikhathi sokuhlolwa, kusetshenziswa ukucushwa kuphela. Uma bedinga unjiniyela, qaphela.

Ukufuduswa Kwedatha Kusuka Kumaspredishithi Nasezinhlelweni Ezindala

Ukufuduswa kwespredishithi ngokuvamile kulula kunalokho ababolekisi abakwesabayo futhi kunokuxakana kunalokho abakulindele. Umsebenzi akukhona ukulayisha—ukuthola ibhalansi yakho yangempela engekakhokhwa lapho amathebhu amathathu engavumelani.

Bekela isikhathi sokuhlanza kuqala. Thola ifayela elilodwa elihlanzekile ngesikhungo ngasinye: ababoleki, amalimboleko asebenzayo, umlando wokukhokha, nesibambiso.

Ukungenisa kusuka ku-Excel noma i-CSV kujwayelekile ezinkundleni zesimanje, futhi abanye abathengisi, kuhlanganise ne-Lendbox, bazokwenzela ukungenisa kokuqala uma uthumela ifayela. Lokho kunikezwayo kususa isizathu esikhulu kunazo zonke esenza ababolekisi bahlale kumaspredishithi omunye unyaka.

Ukufuduswa kwesistimu endala kunzima kakhulu. Phikelela ekungenisweni kokuhlola ku-sandbox bese uziqondanisa ngokwakho izibalo ngaphambi kokusebenza okubukhoma.

Ukuqalisa, Ukuqeqesha, Nobunikazi Bangaphakathi

Ukuqaliswa okushibhile kusengahluleka ngaphandle uma othile ngaphakathi ebhizinisini lakho ekuphethe ngempela. Hhayi umnikazi, kodwa futhi hhayi isisebenzi esincane kakhulu.

Ngokuvamile, imenenja yokusebenza noma imenenja yegatsha okuyiyo ethatha isinyathelo.

Nikeza lowo muntu igunya langempela lokunquma ukuthi izinkokhelo zabelwa kanjani, ukuthi yimiphi imibiko ebalulekile, nokuthi ubani othola yiziphi izimvume. Uma ushiya lezo zinto zingacacile, ugcina unamarekhodi angahambisani—yiyona nkinga ozama ukuyibalekela.

Izindleko zokuqeqesha ziyahlukahluka kakhulu kuye ngokuthi wenza kanjani. Izikhathi zevidiyo ezihleliwe kanye nesikhungo sosizo kuyasebenza emaqenjini amancane.

Izikhungo ezinkulu ngokuvamile zidinga amasonto okuqeqeshwa endaweni. Amahora amabili agxilile nabantu abasebenzisa isistimu nsuku zonke kudlula iseshini yosuku lonke yawo wonke umuntu, ngempela.

Imikhondo yokucwaninga isiza lapha kakhulu kunalokho abaphathi abaningi abakulindele. Uma konke ukuguqulwa kubhalwa phansi, izingxabano ngokuthi kwenzekeni zivame ukuphela ngokushesha.

Indlela Yokugwema Ukwanda Kobubanzi Phakathi Nephrojekthi Yokuqalisa

Ukukhula kobubanzi emaphrojekthini okubolekisa kunendlela ejwayelekile. Othile ubona isistimu entsha ecwebezelayo bese ecela umbiko wakhe amaphupho, futhi ngokushesha usuku lokuqalisa luhlehla emasontweni ambalwa.

Imikhuba emithathu esebenzayo:

• Misa ububanzi bokuqalisa ngokubhaliwe bese ugcina uhlu oluhlukile "lwesigaba sesibili" okungekho muntu ophikisana ngalo
• Hlanganisa amathe-mpulethi akho akhona kanye nezindlela zokusebenza zokugunyaza ohlelweni olusha kunokuba uziklame kabusha maphakathi nephrojekthi
• Sebenzisa inqubo endala nentsha ngokuhambisana inyanga eyodwa egatsheni elilodwa, bese ushintsha

Ukubala I-ROI Ngale Kokushesha Kwezicelo

Izibali ze-ROI zabathengisi zithanda ukukhipha amaphesenti esikhathi sokucubungula ongeke ukwazi ukuwahlola ngempela. Indlela ethembekayo kakhulu ikala izinto ezintathu ongazibala: amahora abasebenzi, izindleko zamarekhodi angahambisani, nokuthi amandla engeziwe okhokhela wona ayasetshenziswa yini.

Ukulinganisa Isikhathi Sabasebenzi, Ukuphinda Umsebenzi, Nokubambezeleka Kokugunyaza

Chitha isonto ulinganisa izinto ezingathandeki. Kuthatha isikhathi esingakanani isikhulu semali mboleko ukulungiselela uhlelo lokukhokha ngesandla?

Kuthatha isikhathi esingakanani ukuphela kwenyanga? Mangaki amahora asetshenziswa ekukhiqizeni isitatimende umboleki asicelile ngocingo?

Phindaphinda lawo mahora ngezindleko eziphelele zabasebenzi. Leso sibalo siyisisekelo sakho, futhi ngokuvamile sikhulu kunobhaliso lonyaka lwenkundla yokuqalisa imalimboleko yemakethe emaphakathi.

Bese wengeza umsebenzi ophindwayo: izinkokhelo ezabelwa ngokungahambisani, izinhlawulo ezibalwa kabusha, izivumelwano ezibhalwa kabusha ku-Word. Umsebenzi ophindwayo ucashe kuma-akhawunti kodwa uyagqama uma ugcina idayari.

Ukubambezeleka kokugunyaza kunzima kakhulu ukukubeka inani. Uma umboleki elinda izinsuku ezine esinqumweni abengasithola ngosuku olulodwa, abanye bayavele bahambe. Linganisa ngendlela eqaphile bese ubhala ubungqamane bakho.

Ukunquma Izindleko Zamarekhodi Emalimboleko Nokubalwa Kwezimali Angahlangani

Yilapho ababolekisi abancane belahlekelwa khona imali eningi futhi bengakunaki. Uma ibhuku lemalimboleko namabhuku ehlala ezinhlelweni ezihlukene, konke ukuphela kwenyanga kuphenduka ikhanda lokubuyisana, futhi ukubonakala kwezikweletu ezisilela kubambezeleka ngezinsuku.

Linganisela izindleko ngezingxenye ezintathu:

• Amahora okubuyisana ngenyanga, ngezindleko eziphelele zabasebenzi
• Ukutholwa kwesikweletu esesilela sekwephuzile, njengenani elijwayelekile lezinsuku phakathi kokukhokha okweqiwe nokubonwa othile
• Izinhlawulo nezimali ezingakaze zikhokhiswe ngoba kungekho muntu ozibalile

Inkundla yokubolekisa enokubhalwa kwezimali okuphindwe kabili okwakhelwe ngaphakathi kususa umugqa wokuqala ngokuphelele. Amarekhodi ejenali avela ngqo emisebenzini yokubolekisa esikhundleni sokufaka kabusha, okuwukonga kwesakhiwo—hhayi nje isimangalo sokusebenza kahle.

Ukuhlola ukuthi ikhono elengeziwe lizosetshenziswa ngempela na

Ikhono ongalisebenzisi limane liyindleko ephindelelayo. Ngaphambi kokuba uvume izinga eliphezulu noma imodyuli eyengeziwe, qamba umuntu ozosebenza ngayo kanye neviki azoqala ngalo.

Nansi indlela yokuhlola eqondile: ngesikhathi sokuhlola, qhuba izimalimboleko eziyishumi zangempela kusukela ekuqaleni kuze kube sekugcineni, kuhlanganise necala elilodwa lokweqa isikhathi sokukhokha kanye nokukhokha okukodwa ngaphambi kwesikhathi. Noma yini ongayithintanga, cishe awukayidingi okwamanje.

Ikhono lokukhula libalulekile, kodwa ufuna litholakale lapho ukhula—hhayi lihleli lingenzi lutho iminyaka emithathu.

Ukukhetha isistimu ehambisana nomsebenzi wakho wokubolekisa

Imakethe ye-LOS ihlukaniseka ngezinkundla zokubhalisela ezilula, izinhlelo ezimaphakathi ezilungisekayo, kanye nama-enterprise suites athengiselwa amabhange nezinyunyana zezikweletu. Ukufanisa izinga nebhuku lakho lezimalimboleko—hhayi nje isifiso sakho—kugcina imali oyisebenzisayo inengqondo.

Lapho inkundla elula iyinketho enengqondo

Uma uphethe izimalimboleko ezisebenzayo ezingaphansi kwezinkulungwane ezimbalwa emagatsheni asukela kwelilodwa kuya kwamahlanu, inkundla yokubhalisela enamanani ashicilelwe ngokuvamile iyona ndlela efanele. Turnkey Lender, LoanPro, LendingWise, HES LoanBox, kanye ne-Lendbox zonke zisebenza kulo mkhakha, ngamunye ugxile endaweni yawo.

Kuleli zinga, kufanele ulindele imikhiqizo yezimalimboleko namashejuli, ukulandelela izinkokhelo, ukubikwa kokweqiwa kwesikhathi, ukuxhumana nababoleki, ingosi yababoleki, kanye nokubhalwa kwezimali okuhlanganisiwe. Uhlelo lokusebenza lweselula olusebenzayo lubaluleke kakhulu kunalokho amademo amaningi akuvezayo, ngoba izisebenzi zakho azihlali etafuleni usuku lonke.

Ungalindeli izinjini zezinqumo ezenziwe ngesicelo, ukuhlanganiswa okujulile ne-core banking, noma ukuzenzakalela kokudalula okusezingeni le-mortgage lapha.

Lapho izinkundla ze-LOS ezinkulu zingase zifaneleke

Izinkundla zebhizinisi ziyazifanelekela izindleko zazo lapho ushintsha isistimu yamarekhodi eyinhloko emigqeni yokubolekisa eminingana. nCino, MeridianLink, Abrigo, Baker Hill, Jack Henry, Fiserv, Origence, Blend, Biz2X, defi Solutions, kanye ne-Fuse zisebenzela leyo makethe.

Encompass, LendingPad, Calyx Path, Calyx Point, Arive, Spark, kanye ne-Built zithambekele ekubolekiseni kwezindlu, i-CRM ye-mortgage, kanye nokubolekisa kwezokwakha.

Uma uyibhange lomphakathi eliqhuba ukusungulwa kwezimalimboleko zebhizinisi, ukubolekisa abathengi kanye ne-mortgage, lowo mkhakha ungokoqobo futhi ilayisense iyakubonisa lokho.

Uma isithiyo sakho sangempela siyisinyathelo esisodwa nje, ukuthenga i-suite ukuze ukulungise kuyaphuza futhi kuyabiza. Ingxenye enkulu yenkundla iba amandla okhokhela wona kodwa ongawasebenzisi.

Imibuzo okufanele uyibuze ngaphambi kokuba usayine inkontileka

Yibuza le mibuzo ngokubhaliwe, futhi ugcine izimpendulo. Ngithembe, uzozifuna kamuva.

• Buyini isamba sezindleko zonyaka wokuqala? Lokho kusho ukuqaliswa, ukuthuthwa kwedatha, ukuqeqeshwa, kanye nanoma yiziphi izinkokhelo zenkundla ezicashe ngaphansi komkhiqizo.
• Yiziphi izici ezikhiyelwe ngemuva kwamazinga aphezulu? Futhi yini ngempela ebangela ukukhuphukela ezingeni eliphezulu?
• Lide kangakanani isikhathi senkontileka? Kwenzekani uma ivuselelwa, futhi ingabe intengo ingagxuma?
• Uma ngihamba, ingabe ngingakwazi ukukhipha ibhuku lami lonke lezimalimboleko, amarekhodi ababoleki, nomlando wokukhokha ngefomethi engingayisebenzisa ngempela?
• Ubani ophethe ukuthuthwa kwedatha? Ingabe nizokwenza ukungenisa kokuhlola ngaphambi kokuba siqale ukusebenza?
• Usizo luhlanganisa ini ngempela? Yimaphi amahora, futhi ngaziphi izindlela zokuxhumana?

Ngeqiniso, umbuzo wokukhipha idatha ungase udalule okuningi. Uma umthengisi ekhululekile ngokuhamba kwakho, cishe ungomunye ongamethemba.