Tìm ra giải pháp tài chính doanh nghiệp được xem là mối quan tâm hàng đầu của các nhà lãnh đạo, đặc biệt trong thời kỳ khó khăn, bởi rắc rối tài chính có thể dẫn đến đình trệ sản xuất, sa thải nhân viên,…Tài chính là huyết mạch của doanh nghiệp, để tăng trưởng vững vàng, doanh nghiệp cần chủ động rà soát, tái cấu trúc dòng tiền và chuẩn bị các kế hoạch tài chính hợp lý ngay từ đầu năm.
Cùng Bizzi tìm hiểu kỹ hơn về nguyên nhân – thách thức đe doạ đến “sức khoẻ” tài chính, từ đó tìm ra giải pháp tài chính doanh nghiệp tối ưu, phù hợp nhất.
Reasons why managers seek corporate finance solutions
In the difficult economic context, many businesses face major financial challenges, mainly due to the following reasons:
Difficulty in accessing credit capital
Businesses often encounter obstacles when borrowing from banks because they do not meet the conditions such as insufficient collateral, business losses, and inability to manage cash flow. Banks cannot arbitrarily lower lending standards but must still comply with regulations to ensure risk management. In particular, small and medium-sized enterprises, although given priority in the interest rate ceiling policy, often lack financial transparency and are unable to repay restructured loans.
Enterprise resources are exhausted and management capacity is limited.
Economic difficulties have exhausted business resources, leading to ineligibility for loans. In addition, many businesses, especially small and medium-sized enterprises, are small in scale, have limited financial capacity and management skills, lack feasible business plans, and have opaque or inaccurate financial data.
Legal issues regarding collateral
Many businesses have mortgaged assets but face legal problems such as not having a certificate, being in a suspended planning or having a dispute, leading to ineligibility for loans.
Poor cash flow management and high operating costs
Poor cash flow control can easily lead to capital shortages, affecting production and business activities. At the same time, low profits can be due to poor control of operating costs.
Với những khó khăn và rào cản trên, giải pháp tài chính doanh nghiệp – tập hợp các biện pháp và công cụ được áp dụng để quản lý, tối ưu và huy động nguồn lực tài chính nhằm đảm bảo hoạt động ổn định, sinh lời và phát triển bền vững của doanh nghiệp.
4 groups of solutions to help manage business finances effectively
Corporate finance solutions are not only about finding capital, but also about managing, optimizing, analyzing and protecting cash flow. Choosing the right solution depends on the size, stage of development and industry of the business.
Control cash flow and debt effectively
Dòng tiền là “huyết mạch” của doanh nghiệp. Giải pháp tài chính doanh nghiệp được đề xuất gồm có:
- Cắt giảm chi phí để giảm tỷ lệ “xói mòn” tiền mặt khi nhận thấy không đủ tiền thanh toán hóa đơn.
- Lập dự báo ngân quỹ và dự báo các khoản phải thu – chi tiền một cách khoa học để chủ động trong quá trình thanh toán.
- Develop debt management and collection processes, classify customers, apply payment discounts and different repayment periods.
- Regularly update payment status and reconcile debts with customers, urge collection of outstanding and long-standing debts.
Bizzi Provides a platform that integrates 30+ features to help businesses streamline and automate cost management processes, debt collection and B2B payments. With feature Accounts Receivable Management (ARM), Bizzi supports:
- Automatic debt reminders according to script via email, text message,
- Track and reconcile debt for each customer and supplier, as well as provide metrics such as DSO and debt aging reports.
- Debt due warning for businesses to be proactive.
Optimize operating costs and improve operational efficiency
Good cost control is a corporate financial solution that helps increase profits and business efficiency.
- Review all expenses and find optimal solutions.
- Optimize operating processes, automate tasks to save on labor costs.
- Negotiate with suppliers for better import prices.
- Improve asset utilization by organizing and managing the production and business process smoothly, limiting idle time of machinery and equipment.
- Improve inventory liquidity by developing a selective purchasing plan, organizing import, transportation and storage of goods in accordance with actual needs.
- To increase revenue, it is necessary to exploit the market, promote customer search, apply incentives and perform good after-sales service.
Bizzi cung cấp Hệ thống kiểm soát chi phí toàn diện – giải pháp tài chính doanh nghiệp hiện đại bậc nhất:
- With feature Processing, reconciling and managing input invoices (IPA + 3way), Bizzi Bot uses RPA and AI technology to Automatically download, check and reconcile invoices (PO, GR) in real time, risky invoice alerts, and API integration with existing ERP & Accounting systems.
- Business Expense Management (Bizzi Expense) allows to set budgets by department/project, Monitor spending against budget and alert when limits are exceeded. Automated expense approval systems speed up the approval process, track expenses in real time, and generate detailed reports.
- Business Travel Management (Bizzi Travel) help automatic flight booking, manage and track all business travel expenses, set spending limits, and generate business travel expense reports.
Flexible capital mobilization and diversified financial channels
Despite good financial management, businesses still need capital to expand production and investment.
- Use unsecured loan packages to quickly supplement capital without mortgaging assets.
- Take advantage of financial connection platforms to easily access capital from many reputable banks and financial institutions, with simple procedures and quick loan approval time (5 minutes to register, 1 day to approve loan).
- Consider financial leasing as a suitable capital mobilization channel, especially for small and micro enterprises or enterprises with thin capital. The advantages of financial leasing include no need for collateral, credit ratio up to 95%, lease term of over 05 years and acceptance of used vehicles.
- Develop a suitable capital mobilization strategy, create trust with capital suppliers by enhancing reputation, stabilizing financial indicators and paying debts on time.
Bizzi Financing is an online financial platform designed to connect businesses with investors, bringing loan solutions fast and efficient. In particular, Bizzi Financing focuses on supporting small and medium-sized enterprises (SMEs) to access capital easily, simply, and conveniently. With the goal of promoting the development of businesses, Bizzi Financing provides a flexible lending platform with outstanding advantages.
Advantages of Bizzi Financing:
- Quick and simple process: Businesses just need to register online, then the system will automatically process the application and notify the approval results.
- Competitive interest rates: Bizzi Financing is committed to providing reasonable interest rates, helping businesses save on borrowing costs.
- Professional financial consulting services: Bizzi Financing not only provides loan services but also financial consulting support to help businesses optimize capital usage.
With the above advantages, Bizzi Financing is the perfect loan support solution for businesses, especially small and medium enterprises looking for a quick, simple and effective loan solution in the digital age. Try Bizzi Financing now and open up new development opportunities for your business!
Compliance with laws and improving governance capacity
Compliance with legal regulations and improving governance capacity are the foundations of stability in corporate financial solutions.
- Complete tax payments on time as required by law.
- Be honest about your financial situation when looking for a new loan to avoid financial fraud.
- Grasp the fundamentals of accounting and consult a competent accountant.
- Invest in the best accounting software for your business and establish internal controls and audit policies to combat fraud.
- Maintain and update monthly cash flow reports, prepare financial report monthly
- Keep business accounts separate from personal accounts.
- Improve management, streamline and organize the apparatus, improve the management capacity of management staff through training and improving professional qualifications..
Electronic invoice (B-invoice) Bizzi's helps businesses create electronic invoices according to tax authority regulations (XML/PDF), with customizable invoice templates and the ability to issue invoices in bulk. The system connects directly to tax authorities to authenticate invoices and Store invoices for at least 10 years, ensure compliance with the law.
Ứng dụng công nghệ – giải pháp tài chính doanh nghiệp thông minh
Digital transformation and application of information technology are inevitable trends, bringing outstanding efficiency in financial management.
Lợi ích của chuyển đổi số – giải pháp tài chính doanh nghiệp hàng đầu
Applying technology to help save expense, reduce paperwork, turn the enterprise management system into a unified, easy-to-use whole, providing all the necessary parameters for accounting operations.
Outstanding technology solutions (ERP, AI, RPA)
Enterprise resource planning (ERP) software solutions have been and are being used by many businesses to manage finances in particular and business operations in general.
Bizzi – Trợ lý AI mang đến giải pháp tài chính doanh nghiệp toàn diện cho phòng tài chính kế toán:
- Bizzi được định vị là trợ lý AI cho phòng tài chính – kế toán trong việc tự động hóa quy trình thu – chi.
- Use Bizzi Bot with RPA and AI technology to automatically process incoming invoices, check, reconcile and store invoices.
- The system has the ability to integrate APIs with existing accounting software and enterprise resource planning (ERP) systems, synchronize data and provide up-to-date information on spending.
- Automatically monitor spending against allocated budget and alert when over budget.
- Automate debt management and debt reminders, helping businesses recover capital quickly and effectively.
Conclude
Rắc rối tài chính là “cơn ác mộng” nhưng luôn có cách giải quyết nếu doanh nghiệp có năng lực quản trị tài chính và xử lý tình huống tốt. Việc chủ động áp dụng các giải pháp tài chính doanh nghiệp toàn diện, từ cơ cấu lại hoạt động, tối ưu hóa chi phí, đa dạng hóa nguồn vốn, đến tăng cường minh bạch.
At the same time, applying financial technology like Bizzi not only digitizes the accounting and invoicing process, but also helps businesses improve management, save time and costs, and be ready to develop breakthroughs in all circumstances.
Modern businesses need not only good sales, but also flexible and standardized financial management. Solutions like Bizzi help you not miss out on business opportunities – and be ready to make a strong breakthrough in any situation.
- Link to register for a trial of Bizzi products: https://bizzi.vn/dang-ky-dung-thu/
- Schedule a demo: https://bizzi.vn/dat-lich-demo/