12/04/2023

Siyakwamukela emhlabeni wezezimali lapho izinombolo zikhuluma kakhulu kunamagama, nalapho imethrikhi eyodwa, iI-Debt-Service Coverage Ratio (DSCR), ingumkhanyo wokuqondisisa inhlalakahle yezezimali yenkampani. Masingene ohambweni olujabulisayo lokwembula izimfihlakalo ze-DSCR, inkomba okufanele wonke usomabhizinisi, umtshali-zimali, nosomabhizinisi abe nayo ku-radar yabo.

Isingeniso ku-DSCR: Ikhampasi Yakho Yezezimali

Zicabange ungukapteni oqondisa umkhumbi obizwa ngokuthi 'Enterprise.' Olwandle olukhulu lwebhizinisi,I-DSCRIsebenza njengekhampasi yakho, ikuqondise emanzini akhohlisayo esikweleti nenzuzo. Ithuluzi elilula kodwa elinamandla elikala ikhono lenkampani yakho ukukhokha izikweletu zayo isebenzisa imali engenayo yokusebenza. Akuyona nje inombolo; kuwukubonakaliswa komphefumulo wakho wezezimali webhizinisi lakho.

I-Magic Formula: Yembula i-DSCR
Gxumela engqikithini yeI-DSCR, futhi uzothola ifomula eqondile njengoba ijulile:

DSCR=Imali Engenayo Yokusebenza Ephelele/Isamba Senkonzo Yesikweletu

Lapha, I-Net Operating Income (NOI) iyinzuzo yebhizinisi lakho kukhishwe izindleko zokusebenza (kodwa ngaphambi kwenzalo nezintela). I-Total Debt Service iyinani eliphelele lemali edingekayo ukuze ukhokhe izikweletu zakho (kokubili okuyinhloko kanye nenzalo). Kufana nokuhlola ukuthi ibhizinisi lakho liyazuza yini ngokwanele ukuze lingagcini nje ngokusinda kodwa liphumelele phakathi kwezibopho zalo zezezimali.

Kungani I-DSCR Ibalulekile: Ngaphezu Kwezinombolo Nje

• Ukuhlolwa Kwesikweletu: CabangaI-DSCRnjengekhadi lakho lombiko wezezimali elicutshungulwa ngababolekisi. I-DSCR ngaphezu koku-1 ifana nokuthola i-A+, okubonisa ukuthi ibhizinisi lakho lingakwazi ukukhokhela izikweletu zalo ngokunethezeka. Kuwukukhanya okuluhlaza kubabolekisi kanye nophawu lwempilo eqinile yezezimali.
• Ukuheha abatshalizimali: Abatshalizimali bathanda inkampani ene-DSCR ephezulu. Kufana nebhaka elibonisa ukuthi umkhumbi wakho uhamba kahle, okuwenza ube utshalomali olungenabungozi futhi olukhanga kakhulu.
• Ukuphathwa Kwamasu: Kokaputeni bemboni (nina baholi bamabhizinisi!), I-DSCR iyithuluzi lamasu. Kukusiza ukuthi uhlole izinqumo mayelana nokusebenzisa imali, ukutshala imali, noma ukuthatha isikweletu esisha. Kufana nokuba ne-GPS yezezimali eqondisa amasu ebhizinisi lakho.

I-Real-World Scenario: I-DSCR Iyasebenza
Isithombe salokhu: Umthuthukisi wezindlu ezithengiswayo one-NOI yaminyaka yonke ka-$2,150,000 kanye nesevisi yezikweletu yonyaka engu-$350,000. YaboI-DSCR? Inguqulo yakamuva ye-6.14. Lokhu kusho ukuthi ngedola ngalinye lesikweletu, bahola ngaphezu kwamadola ayisithupha. Kungumsebenzi wezezimali, okubonisa ukuthi bangahlangabezana kalula nezibopho zabo zezikweletu bese kuba ezinye.

Uhlangothi Olukhanyayo Nezindawo Eziyimpumputhe ze-DSCR

• Uhlangothi Olukhanyayo:

1. Isihambi sesikhathi: I-DSCR ikuvumela ukuthi ubheke izindlela zezimali ngokuhamba kwesikhathi.
2. Ithuluzi lokulinganisa: Qhathanisa ukusebenza kahle kuwo wonke amabhizinisi.
3. Okungaphezu nje kwenzuzo nokulahlekelwa: Kuhlanganisa ukukhokha okuyinhloko, ukudweba isithombe esigcwele sezimali.

• Izindawo zokuhlala e- Blind

1. Ungase uphuthelwe ama-nuances athile ezezimali: Izinto ezifana nezindleko zentela zingaba ngaphandle kobubanzi bazo.
2. Incike ezimisweni zokubalwa kwezimali: Kungase kube negebe phakathi kwethiyori nokugeleza kwemali kwangempela.
3. Inkimbinkimbi: Akuyona isilinganiso sakho sezimali esiyisisekelo.
4. Alikho izinga elijwayelekile: Ababolekisi abahlukene, okulindelwe kwe-DSCR okuhlukile.

Abathonya: Izinto Ezithinta I-DSCR
Ziningana izici ezingathonya yakhoI-DSCR, njengezinguquko emalini yakho engenayo yokusebenza noma ukushintshashintsha kwezilinganiso zenzalo. Kufana ne-ecosystem yezezimali lapho izinto ezihlukahlukene zihlanganyela khona ukuze zibe nomthelela ekhonweni lenkampani yakho lokukhokha izikweletu.

I-Takeaway: Ukushaja Ikhosi Yakho nge-DSCR
Ukuqonda nokusebenzisaI-DSCRisilinganiso sifana nokuba nekhampasi yezezimali yebhizinisi lakho. Akukhona nje ukusinda olwandle oluyaluzayo lwezwe lamabhizinisi kodwa ukuchuma nokuhlela inkambo ebheke ekukhuleni okusimeme kanye nokwenza inzuzo. Kungakhathaliseki ukuthi ungukapteni ongumakadebona noma usanda kufika emkhakheni wezohwebo, ukubeka iso elibukhali ku-DSCR yakho kungaqondisa ibhizinisi lakho empumelelweni nasekuzinzeni.

Ngakho-ke usunakho, uhambo oludabula umhlaba weI-DSCR. Isilinganiso esingaphezu nje kwenombolo—kuyindaba emayelana nempilo yezezimali yebhizinisi lakho, ukulandisa ongakwazi ukukubumba futhi ukuthuthukise. Hlala uqaphile, sebenzisa leli thuluzi ngobuhlakani, futhi ubuke njengoba ibhizinisi lakho lizulazula libheke endaweni ephumelelayo. Jabulela ukuhamba ngomkhumbi!

Ividiyo:Isilinganiso se-DSCR: I-Financial Health Barometer Yamabhizinisi

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS; ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume. Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe. Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye. Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile. Tshala imali ngokufanele ngokuzifaka engozini.