Bridgement

Iphrofayili Yenkampani Ye-Bridgement Nesizinda Say

I-Bridgement (Pty) Ltd yinkampani yaseningizimu Afrika ebambe iqhaza elikhulu emkhakheni wokubolekisa ngedijithali, ikakhulukazi igxile ekuxhaseni amabhizinisi amancane naphakathi (AMA). Yasungulwa ngonyaka ka-2016 futhi yethulwa ngokusemthethweni emphakathini ngonyaka ka-2018. Le nkampani ibhaliswe ngokugcwele ngaphansi kwe-Companies and Intellectual Property Commission (CIPC) futhi ikomkhulu layo lise-32 Impala Road, Chislehurston, Sandton, eGauteng, eNingizimu Afrika. Kusukela yasungulwa, i-Bridgement ihlala iyinkampani ephethwe ngasese, lapho umsunguli kanye ne-CEO, uMnu. Daniel Goldberg, esagcina ubunikazi obukhulu.

Inhloso enkulu ye-Bridgement ukuguqula indlela amabhizinisi amancane athola ngayo imali ebolekayo, ngokuqeda izinqubo ezinde nezinkulu ezivamile emabhange endabuko. Basebenzisa imodeli yebhizinisi ehlakaniphile esekelwe kubuchwepheshe bokuhlakanipha bokwenziwa (AI) ukuze benze izinqumo zokuhlola izikweletu ngokushesha okukhulu. Lokhu kuvumela amabhizinisi ukuthi axhume idatha yawo yezimali kusuka ezinhlelweni zokubalwa kwezimali ezifana ne-Xero, i-Sage, noma i-QuickBooks, okunciphisa isidingo samaphepha amaningi futhi kusheshe kakhulu. I-Bridgement ihlose amabhizinisi anengeniso yonyaka engaphezu kuka-R500 000 kanye nomlando wokuhweba okungenani izinyanga eziyisithupha, anikeza usizo kuyo yonke imikhakha nakuzo zonke izifundazwe zaseNingizimu Afrika.

Ubuholi benkampani buhlanganisa abantu abanolwazi olunzulu: uMnu. Daniel Goldberg, ongumphathi omkhulu (CEO) nomsakhi oyinhloko wenkampani; uMnu. Jonathon Ferrer, oholayo emkhakheni wokuhlola ubungozi (Chief Risk Officer), eqinisekisa ukuthi izinqumo zokubolekisa zenziwa ngokuqapha nangokuhlakanipha; kanye noMnu. Simon Stewart, ongumphathi oyinhloko wezobuchwepheshe (Chief Technology Officer), obhekele ukwakhiwa kwezinhlelo zedatha nezimodeli ze-AI eziqinisekisa ukusebenza kahle kwenqubo.

Imikhiqizo Yemali Ebolekayo Nezimiso Zayo

I-Bridgement inikeza uhla olubanzi lwemikhiqizo yemali ebolekayo eklanyelwe ukuhlangabezana nezidingo ezahlukene zamabhizinisi amancane naphakathi. Le mikhiqizo ihloselwe ukunikeza ukuguquguquka nokufinyeleleka, ngokugxila ekucaceni kwezindleko nasekukhokhweni kwemali kusenesikhathi. Izikweletu ezinikezwayo ziqala ku-R20 000 zifike ku-R5 000 000.

• Izikweletu Zebhizinisi Zesikhathi Esinqunyiwe (Business Term Loans): Lezi yizikweletu ezikhishwa kanye kuphela, zenzelwe izidingo ezithile zebhizinisi ezidinga imali ngokushesha. Ziyizixazululo ezinhle kakhulu zamaphrojekthi athile, ukuthengwa kwemishini, noma ukwandisa ibhizinisi. Imali ebolekayo ingafinyelela ku-R5 000 000.
• Isikhungo Semali Ebolekayo Ejikelezayo (Revolving Credit Facility): Lena yimali ebolekayo eguquguqukayo, efana ne-credit card yebhizinisi. Amabhizinisi angakwazi ukudonsa imali ngokuphindaphindiwe ngaphakathi komkhawulo othile. Inzalo ikhokhwa kuphela ngemali edonsiwe, okwenza kube yindlela efanelekayo yokuphatha ukugeleza kwemali kanye nezindleko ezingalindelekile. Umkhawulo wale mali nawo ungafinyelela ku-R5 000 000.
• Ukuxhaswa Kwama-invoyisi (Invoice Finance): Lo mkhiqizo uvumela amabhizinisi ukuthi athole imali kusenesikhathi kuma-invoyisi angafakwanga kodwa anesikhathi sokukhokha. I-Bridgement ingahlinzeka ngemali engu-100% yesamba se-invoyisi, isiza amabhizinisi ukuthi athuthukise ukugeleza kwawo kwemali ngaphandle kokulinda ukukhokhelwa ngamakhasimende. Lokhu kungasiza kakhulu amabhizinisi anezikhathi zokukhokha ezinde. Imali ebolekayo ingafinyelela ku-R5 000 000.

Amanani Enzalo, Izindleko Nemigomo

I-Bridgement igcizelela ukucaca ezindlekweni zayo. Ayikho imali yokufaka isicelo, imali ye-akhawunti, imali yezomthetho, imali yokuqala, noma imali yesikhungo ekhokhwa nyanga zonke. Kunalokho, kunesamba esinqunyiwe esisodwa esikhokhwa ngokudonsa imali ngayinye. Lokhu kusho ukuthi ukhokha kuphela lapho usebenzisa isikhungo semali. Inzalo yanyanga zonke iqala ku-1.7% ngenyanga, okungaba cishe u-20.4% ngonyaka uma kubalwa ngonyaka wonke. Inani eliqondile lincike kuphrofayili yebhizinisi, umlando walo wokusebenzisa isikweletu, kanye nesimo sayo sezezimali. Kukhona nezaphulelo zokukhokha kusenesikhathi uma ibhizinisi lifisa ukuvala isikweletu ngaphambi kwesikhathi esimisiwe.

Imigomo yokukhokha ingaba kusukela enyangeni eyodwa kuye kweziyi-12. Amabhizinisi anenketho yokukhokha inzalo kuphela esimeni semali ebolekayo ejikelezayo, noma inhloko yesikweletu kanye nemali ekhokhwayo ekupheleni kwesikhathi esinqunyiwe ezikweletini zesikhathi esinqunyiwe noma ekuxhasweni kwama-invoyisi. Mayelana nezinkokhelo zokwephuza, kunesijeziso esijwayelekile esingu-2% esikhokhwa ngemali esele ingakhokhiwe. Okuningi kwezikweletu ezinikezwa yi-Bridgement akudingi isibambiso (unsecured), ngaphandle kokuxhaswa kwama-invoyisi lapho ama-invoyisi angaphansi esebenza njengesibambiso.

Inqubo Yokufaka Isicelo Nokusebenzisa Ubuchwepheshe

Inqubo yokufaka isicelo e-Bridgement yakhelwe ukuba isheshe futhi ingabi namaphepha amaningi, isebenzisa ngokugcwele amandla obuchwepheshe bedijithali. Konke kwenziwa ku-inthanethi ngephothali yabo yewebhu ephendulayo, okusho ukuthi ingasetshenziswa kalula kumafoni ahlakaniphile, amaphilisi, namakhompyutha. Uhlelo lokusebenza lweselula oluqondile (native app) lwama-iOS nama-Android luyalungiswa futhi luzotholakala esikhathini esizayo.

Izidingo Zenqubo Yokufaka Isicelo

Ukuze ufake isicelo, amabhizinisi adinga ukwenza lokhu okulandelayo:

• Ukuxhumeka Kwedatha: Amabhizinisi angaxhuma ngokuqondile izinhlelo zawo zokubalwa kwezimali ezifana ne-Xero, i-Sage, noma i-QuickBooks, kanye nama-bank feeds awo. Lokhu kuvumela i-Bridgement ukuthi ithole idatha ebalulekile yezimali ngokuzenzakalela futhi ngokushesha, okunciphisa isidingo sokulayisha amaphepha amaningi.
• Ukuqinisekiswa Kobunikazi (KYC): I-Bridgement isebenzisa izinsizakalo zokuqinisekiswa kobunikazi ze-elekthroniki ezenziwa abantu besithathu ukuze kuqinisekiswe umazisi womfaki sicelo, ngokuya ngemithetho ye-AML/KYC.
• Ukuhlola Isikweletu Okusekelwe ku-AI: Ngemuva kokuthi idatha ixhunyiwe, izinhlelo ze-AI ezenziwe yi-Bridgement zihlaziya idatha engaphezu kweziyi-1 000. Lokhu kuhlanganisa ukuthengiselana kwasebhange, idatha yokubalwa kwezimali, indlela yokukhokha, kanye nezikolo ze-credit bureau. Ngemizuzu embalwa nje, uhlelo lunikeza ibhizinisi ibanga lobungozi kanye nomkhawulo wesikweletu olungiselelwe ekusebenzeni kwebhizinisi.
• Ukukhishwa Kwemali: Uma isicelo sesigunyaziwe, imali ikhishwa ngokuqondile kuma-akhawunti asebhange aseNingizimu Afrika ngaphakathi kwamahora ambalwa. Akunikezwa ukukhishwa kwemali ngemali ephathekayo noma ngama-mobile money okwamanje.

Ulwazi olwengeziwe olubalulekile ukuthi i-Bridgement inikeza inkundla yewebhu enesikhombimsebenzisi esisebenziseka kalula (UX) esilinganiswe ngama-star angu-4.7 ku-Google, okuveza indlela amakhasimende akhe athola ngayo ukuzizwela okuhle lapho esebenzisa izinsizakalo zawo. Ukuthuthukiswa kohlelo lokusebenza lweselula kuzoqinisa kakhulu lokhu kusebenziseka kalula, kunikeze ukufinyelela okungcono kakhulu kwizinsizakalo zabo noma nini nanoma kuphi.

Isimo Sokulawula, Ukubuyekezwa Kwamakhasimende Nezimbangi

Ukuthembeka nokuhambisana nemithetho kubaluleke kakhulu embonini yezimali, futhi i-Bridgement ikunaka kakhulu lokhu. Le nkampani inelayisense njengomhlinzeki wesikweletu ngaphansi kwe-National Credit Regulator (NCR), okuqinisekisa ukuthi isebenza ngokuhambisana noMthetho Kazwelonke Wezikweletu (National Credit Act) waseNingizimu Afrika. Ngaphezu kwalokho, i-Bridgement iyilungu le-South African SME Finance Association (SASFA), ibambelela kumazinga ayo okucaca nokubolekisa ngendlela efanele. Kuze kube manje, azikho izijeziso zokulawula zomphakathi noma izinyathelo zokuphoqelelwa ezithathwe ngokumelene ne-Bridgement, okukhombisa ukuzibophezela kwayo ekusebenzeni ngokufanele.

Ukubuyekezwa Kwamakhasimende Nesimo Semakethe

I-Bridgement ijabulela isithunzi esihle phakathi kwamakhasimende ayo. Ilinganiswe ngama-star angu-4.6 ku-Trustpilot, lapho amakhasimende evame ukuncoma isivinini sayo ekugunyazeni izicelo, ukucaca kwezindleko, kanye nenqubo engadingi amaphepha amaningi. Ukulinganisa kwe-App Store ngama-star angu-4.5 nakho kukhombisa ukwaneliseka okuphezulu kwabasebenzisi. Lezi zilinganiso zibonisa ukuthi i-Bridgement inikeza isipiliyoni esihle kakhulu samakhasimende.

Emakethe yaseNingizimu Afrika, i-Bridgement iphakathi kwezinhlangano ezinhlanu eziphezulu zabahlinzeki bezikweletu ze-fintech ezigxile kumabhizinisi amancane. Izimbangi zayo eziyinhloko zifaka i-GetBucks, i-Merchant Capital, kanye neminyango yamabhizinisi amancane emabhange endabuko. Okuhlukanisa i-Bridgement kulezi zimbangi yisivinini sayo esingenakuqhathaniswa ekugunyazeni izikweletu (amahora esikhundleni samaviki amaningi emabhange), indlela yayo esekelwe kudatha eyinciphisa kakhulu inqubo yamaphepha, kanye nokuguquguquka kwezikweletu zayo ezifana nemodeli "khokha njengoba udonsa", engenazo izibopho eziqhubekayo. Le nkampani isixhase amabhizinisi angaphezu kwezi-3 000, ikakhulukazi amabhizinisi anengeniso yonyaka ephakathi kuka-R2 000 000 no-R20 000 000, lapho amaphesenti angu-70% kungamabhizinisi aphethwe ngabanikazi abancane nabaphakathi.

I-Bridgement isibe negalelo elikhulu ekunikezeni amabhizinisi amancane ukufinyelela emalini ngokushesha okukhulu, okuwasiza ukuba akhule futhi asebenze ngaphandle kokuphazamiseka. Izinhlelo zayo zokwandisa zifaka ukwandisa isikhwama sayo semali ebolekayo kanye nokuhlola izimakethe ezintsha zase-Afrika esikhathini esizayo. Lokhu kukhula kubonakala ekukhuleni kwayo kwemali engenayo ngonyaka nonyaka kusukela ngo-2022.

Iseluleko Esisebenzayo Kwabafuna Ukuboleka Imali

Njengomhlaziyi wezezimali, kubalulekile ukunikeza iseluleko esisebenzayo kwabafuna ukuboleka imali, ikakhulukazi lapho becabanga ukusebenzisa izinsizakalo ze-Bridgement. Nakuba i-Bridgement inikeza izinzuzo ezinkulu ngesivinini nokuguquguquka kwayo, kubalulekile ukuthi amabhizinisi aqonde ngokugcwele imigomo nemibandela ngaphambi kokuzibophezela.

• Hlaziya Izidingo Zakho Zangempela: Ngaphambi kokufaka isicelo, cabanga ngokucophelela ukuthi udinga imali engakanani nokuthi uzoyisebenzisela ini. Ungaboleki imali eningi kunalokho okudingayo ngempela. Qinisekisa ukuthi isikweletu sizosekela ukukhula noma ukusebenza kwebhizinisi lakho, hhayi ukusixazululela izinkinga zesikhashana kuphela.
• Qonda Izindleko Ngokucacile: Nakuba i-Bridgement igcizelela ukucaca, kubalulekile ukuthi uqonde ngokugcwele inani lezindleko zanyanga zonke ezingenziwa ibhizinisi lakho. Buza imibuzo uma kukhona okungacacile. Khumbula ukuthi isilinganiso esingu-1.7% ngenyanga singabonakala sincane, kodwa uma sibalwa ngonyaka singaba esikhulu.
• Hlola Ukufaneleka Kwakho: Qiniseka ukuthi ibhizinisi lakho lihlangabezana nezidingo ze-Bridgement, okufaka ingeniso yonyaka engaphezu kuka-R500 000 kanye nomlando wokuhweba okungenani izinyanga eziyisithupha. Lokhu kuzosiza ukugwema ukuphoxeka.
• Lungiselela Idatha Yakho: Ukuze inqubo isheshe ngangokunokwenzeka, qiniseka ukuthi izinhlelo zakho zokubalwa kwezimali (Xero, Sage, QuickBooks) zisesimweni esihle futhi idatha yakho yasebhange icacile. Lokhu kuzosiza ubuchwepheshe be-AI ukuhlola isicelo sakho ngokushesha.
• Sebenzisa Izaphulelo Zokukhokha Kusenesikhathi: Uma unethuba, sebenzisa izaphulelo zokukhokha kusenesikhathi ezinikezwa yi-Bridgement. Lokhu kunganciphisa izindleko zakho zenzalo jikelele futhi kukusize wonge imali.
• Linganisela Nezinye Izinketho: Ngaphambi kokuthatha isinqumo, kuqhathanise izinsizakalo ze-Bridgement nezinye izinketho ezikhona emakethe, njengamabhange endabuko noma abanye abahlinzeki besikweletu be-fintech, ukuze uqiniseke ukuthi ukhetha okungcono kakhulu kwebhizinisi lakho.

Ngokulandela lezi zinyathelo, amabhizinisi amancane eNingizimu Afrika angafinyelela ngokucophelela nangobuhlakani emalini ebolekayo eguquguqukayo nenobuchwepheshe enikezwa yi-Bridgement, isekela ukukhula nempumelelo yawo.