Nā mea koʻikoʻi e pā ana i ka hikiʻana o kahi mea waiwai o ka mea kūʻai i ka loaʻa kālā
He nui nāʻoihana e hana ana i kekahi mau pilikia kālā i ka wā e ulu ai lākou i ka hapa nui o nā manawa. Ke hiki mai kēlā manawa e kīkēkē ana, nui nā poʻe loina e manaʻo e hele kokoke mai i nā mea kālā a me nā kumuwaiwai'ē aʻe . Nui nā hāʻawi kālā mai nā kāleka, nā kumukūʻai o ka'eneke kālā, a me nā mea hoʻoili'ē aʻe e like me nā pūnaewele lehulehu e loaʻa ana i kaʻoihanaʻoihana.
Eia naʻe,ʻaʻole hiki i nā pāʻoihana ke komo i nā loina pāʻoihana . ʻO kēia no ka nui o nā kumu i hāʻawi nuiʻia e nā mea hoʻoili. ʻO ka mea pōʻino,ʻaʻole nui nāʻoihana e hoʻokō i nā koi a pau e pono ai nāʻoihana waiwai e hāʻawi iā lākou i nā pāʻoihanaʻoihana a iʻole nā laina hana. Ma ka'ōlelo hoʻokahi,ʻaʻoleʻike kekahi poʻe mea kūʻai i nā mea i hoʻohanaʻia no ka hoʻoholoʻana i ka waiwai kūpono. Eia ka nānāʻana i nā mea e hāʻawi nei nā mea kālā i mua o ka hoʻolahaʻana i kekahiʻano hoʻokele i kekahi mea kūʻai kālepa liʻiliʻi .
Ka HōʻikeʻAna Hōʻike Hou
He mea koʻikoʻi loa kēia e hoʻohanaʻia ana e kekahi mea hoʻohana i mea nui ma mua o ka hoʻonuiʻana i ka hōʻai'ē i kekahiʻoihana . I mea e hōʻoiaʻiʻo ai i kou kūpono i ka hōʻai'ē, e nānā nā mea noi kālā i kahi hōʻike kālā mai nā bureaus aie. Aia i loko o ka hōʻike kālā kaʻikepili e like me kāu loiloi kālā, nā noiʻi noiʻi a kāuʻoihana i hana ai a hope loa i kāu moʻolelo o ka uku.
Ma ka hōʻike hōʻike kālā, kekahi o nā hōʻailona koʻikoʻi eʻimi nei nā mea hoʻoili kālā i ka manawa heaʻoe i pale ai i nā uku a me nā moʻolelo o ka banekorupa.
Inā loaʻa iāʻoe kahi moʻolelo hōʻai'ē hōʻai'ē no ka hōʻai'ē hōʻai'ē,ʻaʻohe mea e hāʻawi iāʻoe i keʻano o ka hōʻai'ē.
ʻO kēia keʻano maikaʻi no kēlā me kēiaʻoihana e ho'āʻo a uku i kā lākou mau pili a pau i ka manawa. Me ke kūlana maikaʻi o ka hōʻai'ē hōʻai'ē, e hoʻonuiʻia ka hilinaʻi o ka mea hāʻawi aku me ka manaʻoʻiʻo eʻoiaʻiʻo e uku akuʻoe i kā lākou kālā i ka manawa me kaʻoleʻole.
No laila, mai kēia lā aku, e hōʻoiaʻoe e uku i kāu mau pili a pau i ka wā e hoʻonui ai i kou kūlana o ka loaʻaʻana o nā pānaʻiʻoihana a iʻole nā laina o ka hōʻai'ē mai nā mea kālā'ē aʻe.
ʻO kāuʻikeʻikeʻike kālā
ʻO kēia kekahi kumu nui nui e hoʻohana nei nā mea kālā e hoʻoholo i ka pono o kāuʻoihana. ʻO kaʻoi aku ka maikaʻiʻoihanaʻoihanaʻoihana no kāuʻoihana,ʻo kaʻoi aku ka nui o nā loaʻa o ka haʻawina mai kahi kālā kālā i hāʻawiʻia. Ināʻoe e noʻonoʻo pehea eʻike ai ka mea kālā i nā mea kālā i kāuʻoihana aiʻole i kekahi mau manawa i loaʻa kāuʻike FICO pono'ī? Eia ka pehea.
ʻO kāu hōʻike kālā hōʻailona he palapala ia i loaʻa nāʻike likeʻole e hoʻohanaʻia e nā bureaus credit when it comes to calculating of your business or score score. ʻO nā mea i heluʻia i ka heluʻana i ka helu'ai'ē'ai'ē ka lālā no ka hoʻohanaʻana i ka hōʻai'ē, peheaʻoe e wehe ai i nā hōʻai'ē hōʻai'ē hou, nā nīnau noiʻi a me ka wikiwiki e hoʻomaopopo i kāu kālā i hāʻawiʻia iāʻoe e nā mea hāʻawi kālā.
Ināʻoi aku kāu heluʻaiʻoihana me Dun & Bradstreet ma waena o 75 makahiki a laila ua hoʻokaʻawaleʻiaʻoe i ka loaʻaʻana o ka helu kiʻekiʻe e waiho ana iāʻoe ma kahi kūpono kūpono no kāu mau loina e'āponoʻia me ka maʻalahi. ʻO kēia keʻano he meaʻoihana pāʻoihana, ponoʻoe e hana hou a piʻi i kāu helu inā ponoʻoe i kāu mau loina e hāʻawiʻia e nā mea hāʻawi i loko o kahi manawa pōkole loa.
ʻO kāuʻoihana palekana pili kālā
He nui nāʻoihana kālā e like me nāʻaukā a me nāʻoihana'ē aʻe e koi pinepine ai i nā keʻena kālā likeʻole me nāʻoihana kālā o ka makahiki i hala aku nei, me ka pepa palekana a me kahiʻike kālā kuhi o nā mahina i hala iho nei. ʻO nā kumu kālā kālā'ē aʻe āu e pono ai e komo pū kekahi i kaʻike kālā a me kaʻikepili kālā.
E hāʻawi kēia mau'ōlelo i kaʻike e pili ana i ke kūlana kālā o kāu hui aʻoihana paha. Inā kūpaʻa loa kāuʻoihana, hiki i ka poʻe loiloi nui he hiki iāʻoe ke hāʻawi iāʻoe i ka hōʻai'ē no ka mea e loaʻa ana iā lākou ka hilinaʻi i ka pono o kāuʻoihana e uku i nā aie. Eia naʻe, inā he nui nā aie a kāuʻoihana,ʻaʻohe mea e makemake e lilo i kā lākou kālā iāʻoe.
No laila, he mea maikaʻi no nā meaʻoihanaʻoihana e hōʻoia i ka holomua o kaʻoihanaʻoihana.
He nui nāʻano e hiki ai i kekahi ke hoʻoemi i ka puka kālā ma loko o kahiʻoihana me kaʻole i kaupalenaʻia i ka ho'ēmiʻana i ka heluna o nā limahana, ke hoʻolālāʻana i nā uku i nā mea hāʻawi kālā, hoʻolimalima i ka waiwai, kūʻai i nā mea hana i hoʻohanaʻia a pēlā aku e hoʻemi ana i nā lilo a me nā kumukūʻai kūponoʻole no kaʻoihana.
Loaʻa ka'āpana'āina
Ke noi neiʻoe no nā loans mai nā hale likeʻole,ʻo ka hapanui o nā manawa e ponoʻoe eʻaʻai i ka hōʻai'ē e hoʻopaʻa ai. He waiwai kēia e hiki i nā mea kālā ke kūʻai aku e hoʻihoʻi i kā lākou kālā keʻoleʻoe e uku i ka uku hōʻai'ē. ʻO ka hapa nui o nā waiwai e komo ana i ka waiwai, ka'āina, a me nā lako hana.
ʻO keʻano,ʻo kēlā me kēiaʻoihana e loaʻa ana i nā waiwai waiwai, hiki ke hōʻoia i nā loina i loko o kahi pōkole. Eia naʻe, e hoʻomanaʻo i kekahi manawa, hiki i kahiʻoihana ke hele no ka hoʻokaʻawaleʻole i nā loans inā he pono kēiaʻoihana paʻa me ka hōʻai'ē kiʻekiʻe kiʻekiʻe a me ka mōʻaukala maikaʻi maikaʻi.
ʻO ka paʻaʻana i kekahi mau kumuhana'ē aʻe,ʻo kekahiʻoihana me kahi'āpana kūʻai nui e hāʻawiʻia i kahi kālā nui ma keʻano o kahi hōʻai'ē e hoʻohālikelikeʻia i kahiʻoihana e haʻahaʻa loa ana ka waiwai waiwai. Ināʻoe he palekana i hōʻemiʻia ka waiwai, a laila maikaʻi nō ke noiʻana no kahi mea liʻiliʻi loa e pili ana i ka waiwai o ka palekana.
ʻO kāu'ai'ē i ka uku kālā
I ka nānāʻana i kaʻoihana kūikawā no kāuʻoihana, nui nā mea hōʻai'ē e noʻonoʻo i ka hōʻai'ē i ka lakene kālā o kāuʻoihana. Hiki i nā mea pāʻoihana ke helu i kēia ratio ma o ka laweʻana i ka huina o nā kuleana o kēlā me kēia malama a maheleʻana iā lākou e ka nui o ka loaʻa kālā o ka hana. ʻAʻole eʻoi aku ka nui o kēia kaio ma 36. Ma ka mākau,ʻo ka liʻiliʻi ka lakene i ka maikaʻi.
ʻO keʻano,ʻo kahiʻoihana e hāʻawi ana i ka hōʻai'ē i ka lakene kālā he kiʻekiʻe nui loa i ka uku. He leka uila kēia i nā mea hāʻawi kālā e hāʻawiʻole i ke kālā i kaʻoihana. No laila, he mea nui i nā mea kūʻai no ka ukuʻana i kā lākou mau aie no ka hoʻohaʻahaʻaʻana i kēia lakio i kahi palena loa.
Inā makemakeʻoe i nā mea hōʻai'ē e hāʻawi iāʻoe i nā loina a iʻole nāʻano hana'ē aʻe mai kēlā manawa i kēia manawa, ponoʻoe e hoʻoikaika i ka hanaʻana i kahiʻoihana kūpono. E hōʻohoʻi i nā hōʻai'ē hōʻai'ē a pau i ka wā a hoʻomaikaʻi i kāuʻoihanaʻoihana'akeʻa me ka loaʻaʻana o ka moʻolelo pilikino hōʻai'ē me ka inoa maikaʻi. Eia nō hoʻi, he mea pono e wehe i kāu mau aie a hana i kāu hōkei kālā no ka loaʻaʻana o nā'ōleloʻike kālā maikaʻi.