Kiriis kaalis njoɓdi e ɗooftagol sariya njoɓdi njoɓdi ŋakkundi : njoɓdi kaalis hoolaare, sariyaaji njoɓdi ɓurndi teeŋtude, e porotokolle ponto emergency¶

Yiytude wonde konte gollorde sosiyetee maa ina ŋakki kaalis ngam laɓɓinde njoɓdi garoowo batch Automated Clearing House (ACH) ina jeyaa e caɗeele ɓurɗe teeŋtude e sariya e golle ɗe joom njulaagu tokooso waawi jogaade. Nandugol e faktiiruuji yeeyooɓe njulaagu, njulaagu kaɓirɗe, walla njoɓdi jom leydi njulaagu, njoɓdi gollotooɓe e reentaade njoɓdi njoɓdi ina laawɗinaa e laabi yoɓde tiiɗɗi, sariyaaji jowitiiɗi e jojjanɗe aadee, e doosɗe gujjugol njoɓdi siwil walla ñaawoore e nder ko famɗi fof kala juɓɓule. So tawii gollorde ina ŋakki lajal njoɓdi tawa huutoraaki porotokol ɗooftaare, joom mum en ina njaawna jogaade bonnugol laabi tati, njoɓdi ñaawoore ñalnde kala, njoɓdi njoɓdi neɗɗo ndi alaa asiraagal, e deƴƴere mawnde ko yaawi, bonnata nafoore gollorde heddiinde ndee.

Njuɓɓudi kiris liquidité payroll acute ina ɗaɓɓi ƴeewndo kaalis ko yaawi e nder waktuuji 48 haa 72 hade taƴgol jolngo direct deposit. E dartinde denndaangal yaltugol yeeyooɓe ɓe ngonaa sariya, seerndude njoɓdiiji njoɓdiiji kaalis e nder kuulal 6672 (e ko nanndi heen e nder winndere ndee), teeŋtinde njoɓdi ɓurndi famɗude ndi sariya yamiri ngam daɗndude otooji otooji Fair Labor Standards merda defaults, seerndude liggotooɓe laawɗuɓe prebrid signout liquidity yahrude yeeso, e jokkondirde e laaɓal e gollotooɓe toɗɗaaɓe, ardiiɓe njulaagu ina mbaawi jogaade peeje sariya e dartinde golle.

Waɗde ɗum jooni¶

1. Reentaade kisal ɓanndu e nokku golle e heblo neldugol e nder sahaaji caɗtuɗi. Ɓooygol njoɓdi toowndi, ustude golle e nder sahaa gooto, walla uddugol nokkuuji e nder sahaaji ina waawi addande sahaa e sahaa fof caɗeele safaara tiiɗɗe walla jokkondire gonɗe e nokku hee ; so tawii won mo heɓi caɗeele safaara walla ina hulɓinii ñawu nguu, noddu limoore maa (911 to Amerik e Kanadaa, 112 e nder Dental Orop, 999 to Dental Dowlaaji Amerik, walla ƴeew fof limooje caɗtuɗe).
2. Ƴeewto taƴre iwdi njoɓdi maa (ACH) ɗoon e ɗoon. Jokkondir e golloowo njoɓdi maa (hono ADP, Gusto, Paychex, walla Rippling) ko famɗi fof waktuuji 48 haa 72 hade ñalngu njoɓdi ngam hoolkisaade waktu mo konte maa banke ɗee ƴettetee ; hoto meeɗ ɗaccude batte njoɓdi otomaatik ina ɓuuɓtoo ngam Kaalis mo ŋakkaani (NSF), ko ɗum ustata lowre lowre njoɓdi maa, kadi ina addana banke yoɓde njoɓdi.
3. Freeze kala ko alaa e sago e yeeyoowo ACH yaltugol hannde. Ɗoon e ɗoon dartina kala yoɓde yeeyoowo otomatik, abonmaaji lowre, jolngo joom mum, bonusuuji executive, yoɓde ñamaale njulaagu, e jolngo joom leydi ngam hisnude 100 e nder teemedere e kaalis payroll keɓaaɗo e konte de.
4. Woto meeɗ naftoraade njoɓdi njoɓdi ndi njoɓaaka ngam yoɓde njoɓdi laaɓtundi walla njoɓdi gollal. Waɗde njoɓdi njoɓdi gollotooɓe e njoɓdi FICA/deductions social security ina ceerti no feewi ; huutoraade njoɓdi njoɓdi resndi ngam yoɓde njoɓdi net take-home pay ina addana 100 e nder teemedere (100%) njoɓdi neɗɗo, ndi alaa ko yoɓirta, so wonaa yoɓde kaalis (Penalty Recovery Fund Trust Fund) e dow ofiseeji sosiyetee e siynooɓe ƴeewndo.
5. Anndinde njoɓdi ɓurndi famɗude e cuɓe yoɓde feccere ko adii ñalngu njoɓdi. So tawii njoɓdi timmundi waawaa yoɓeede, jokkondir e awokaaji gollorɗi ngam anndude so tawii yaltinde njoɓdi ɓurndi famɗude e sahaa fotde ko famɗi fof njoɓdi ɓurndi famɗude e sariyaaji fedde nde e dowlaaji ɗii (e ɓeydude heen waktuuji ɓeydaaɗi ɗii fof) wonande gollotooɓe ɓe ngalaa njoɓdi waktuuji ɗii ina waawi ustude bridge the federal remain liquidated.
6. Yaltinde humpito binndol, goonga e gollotooɓe ko adii nde deposituuji maɓɓe direct ɗii ustata. Woto meeɗ accude gollotooɓe ɓee njiytoo njoɓdi ndi ɓe keɓaani rewrude e ƴeewndorɗe renndo ngo ŋakkaani walla kaayitaaji debit ɗi ŋakkiraaka subaka ñalnde njoɓdi; yettinde bayyinaango laaɓtungo, kolliroowo waktuuji yoɓgol laaɓtuɗi, no njoɓdiiji keɓtinaaɗi ɗii mbinndirtee, e no njoɓdiiji bankeeji ɗi leelgol ngol saabi ɗii njogori yoɓeede.

Kiriis liquidité payroll e lekki kuule ɗooftaare sariya¶

flowchart TD
    Start["Waktuuji 72 ko adii ñalngu njoɓdi : ŋakkeende kaalis gollorɗo ina anndaa"] --> CheckCash{"Mbele njoɓdi timmundi + njoɓdi hoolaare ina waawi ustaade e laawol triage kaalis ko yaawi ?"}
    CheckCash -->|"Oho"| TriageCash["Halt denndaangal yoɓaaɗe yeeyoowo, ƴettugol joom mum, e ƴettugol otooji<br/>Yaawnaade mooftugol A/R walla ƴettu LOC gonɗo<br/>Kaalis njoɓdi timmundi e yoɓde denndaangal njoɓdi hoolaare e sahaa"]
    CheckCash -->|"Alaa"| StopACH["Woppude Batch Deposit Direct Automatique Ko adii Taƴgol Processeur<br/>Haɗa banke NSF wartaade e dartinde konte processeur<br/>Waylu doggol njoɓdi ngam ƴeewndo junngo walla ƴeewndo wire"]

    StopACH --> PartialCheck{"Mbele kaalis ina heewi ngam yoɓde njoɓdi ɓurndi famɗude + njoɓdi hoolaare ?"}
    PartialCheck -->|"Oho"| RunMinimum["Yeewtid e wasiyaaji gollorɗi dow Minimum Wage Protective Run<br/>Yoɓde gollotooɓe ɓe ngalaa njoɓdi waktuuji ɓeydaaɗi timmuɗi + njoɓdi ɓurndi famɗude ndi sariya yamiri<br/>Seerndude e yoɓde 100% e njoɓdi njoɓdi kaalis jokkondirɗo e kaalis hoolaare"]
    PartialCheck -->|"Alaa"| ViabilityCheck{"Mbele njoɓdi hoolkiso walla kapitaal ponto ina ara e nder balɗe 5 golle ?"}

    RunMinimum --> IssueNotice["Hokkude Binndol Leelgol Njoɓdi Ko adii Ñalawma Njoɓdi<br/>Winndu feere njoɓdi ndi yoɓaaka ko ñamaande ɓurnde teeŋtude<br/>Waɗde yoɓde njoɓdi banke NSF golloowo hoolkisaaɗo"]

    ViabilityCheck -->|"Oho"| IssueNotice
    ViabilityCheck -->|"Alaa"| StopWork["Dartinde golle ɗe ngalaa kaalis Ɗoon e ɗoon<br/>Waɗde furlough walla layoff temporaire ɗooftaare<br/>Woto meeɗ accude gollotooɓe ina ngolloo waktuuji ɗi sosiyetee oo anndi waawaa yoɓde"]

Faandaare 1 : Triage kaalis ko adii njoɓdi waktuuji 72 e mekanik taƴgol ACH¶

Ko ɓuri heewde e gollorɗe tokoose e hakkundeeje ina kuutoroo njoɓdi rewrude e njuɓɓudi njoɓdi ruulde tataɓiri huutortoondi balɗe ɗiɗi walla nay ñalɗi jokkorgal Automated Clearing House (ACH). Famde no debituuji njoɓdi njokkondirta e bankeeji njulaagu ina tiiɗi ngam daɗndude jokkere enɗam.

No njoɓdi ACH e lockouts NSF ngollirta¶

1. Window debit origination: So tawii ñalngu njoɓdi maa ko Aljumaa, lowre njoɓdi maa ina heewi uddude baylagol njoɓdi e waktu 16:00 walla 17:00 ñalnde talaata walla alarba, kadi ina fuɗɗoo debit elektoronik e konte ƴeewndo njulaagu sosiyetee maa subaka alarba.
2. Batte bounce ACH mo alaa kaalis: So a jaɓii golloowo njoɓdi yo rokku debit otomaatik nde njoɓdi banke maa ŋakki, banke maa ina ustoo debit oo (R01 Insufficient Funds walla R09 Uncollected Funds). E nder ɗuum, e won e mbaadiiji njulaagu yaawngu, ina gasa tawa golloowo oo ina joginoo tawo doosɗe njulaagu to bankeeji gollotooɓe, walla ina wayla ɗum ɗoon e ɗoon.
3. Dartinnde processeur e lockouts wire-only: So sosiyetee oo bonnii debit kaalis njoɓdi, fotde kala dokkoowo njoɓdi mawɗo ɗoon e ɗoon ina dartina konte golloowo oo, ina woppa martabaaji deposit direct fotde lebbi 6 haa 12, njoɓdi penaale ƴeewndorɗe ina ummoo e 100 haa Dolar equillars and500). denndaangal njoɓɗeele garooje ɗe njoɓata ko e ballal banke ñalnde heen (Fedwire walla CHAPS) Waktuuji 72 ko adii.
4. Cancellation batch proactive: So tawii kaalis wontaa e banke haa ñalnde alarba taƴre debit, naataa e portal maa payroll ko adii waktu taƴre ndee e cancell walla jogaade batch ACH automatique. Waylude e ƴeewndorɗe njoɓdi kaayitaaji nguurndam, yoɓde push-to-debit e ñalawma gooto, walla jolngooji banke toowɗi ina rokka on waktuuji 36 haa 48 ɓeydaɗi (haa subaka Aljumaa) ngam mooftude njoɓɗeele caɗtuɗe tawa aɗa ustoo ŋakkeende ACH otomaatik.

Reende kaalis ko yaawi e seerndude konte¶

So ŋakkeende njoɓdi feeñii e limto maa e nder yontere 13, waɗu jokkere enɗam e nder njuɓɓudi ndii fof :

• Woppude debituuji yeeyooɓe otomaatik: Naat e portal maa kaalis njulaagu e waɗde yamiroore dartinde yoɓde walla bolokaaji debit ACH e dow ƴettugol limtooji ɗi ngonaa sariya, tawa ina jeyaa heen yeeyooɓe innde, abonmaaji SaaS, platforms marketing ad-spend, e yoɓde otooji karte njulaagu ɗe ngalaa kisal.
• Hallit joom mum e njoɓdi gollordu ɗoon e ɗoon: E nder sariyaaji gollorɗi e sariyaaji njulaagu fenaande, joom en njulaagu, ardiiɓe, e gollodiiɓe mum en ina poti ustude njoɓdi mum en e njoɓdi mum en haa zero hade mum en leeltinde dolaar gooto njoɓdi gollotooɓe ɓe ngonaa liggotooɓe.
• Uddit walla huutoroo Konte Payroll Trust keertiiɗe: So tawii konte maa gollorde adannde ina njiytee e sweeps otomaatik e ñamloowo njulaagu, debituuji kaalis njulaagu (MCA) ñalnde kala, walla njoɓdi yeeyooɓe, nawtu kaalis njoɓdi e nder konte ƴeewndo njoɓdi ceertuɗe, keertiiɗe ɗe ngalaa yamiroore tataɓere.
• Waɗde ustaare yoɓde ko yaawi (A/R) jaawnde: Jokkondir e soodooɓe maa tato ɓurɓe waawde yoɓde, jogiiɓe faktiiruuji jaɓaaɗi, ɗi luulndaaka, potɗi yoɓeede e nder balɗe 15 haa 45 garooje ɗee. Hokkugo 2 nder teemerre haa 5 nder teemerre limngal faktiir ko yaawi ngam limngal ceede banke nyalde woore timminaama nder saa’aaji 24.

Daawe 2 : Taƴre njoɓdi kaalis trust-fond e njoɓdi ofiseeji keertiiɗi¶

So tawii kaalis ina famɗi, jom en njulaagu en ina keewi waɗde majjere hiisawal bonnde : ɓe ƴeewa limoore "Net Payroll" (kaalis ƴettuɗo galle tigi-rigi mo ɓe mbaɗata e konte banke gollotooɓe) wonaa limoore "Gross Payroll plus Employer Taxes", ɓe kuutoroo kaalis maɓɓe heddii oo ngam yoɓde golloowo oo.

Famde penaale ƴettugol kaalis hoolaare (IRC Taƴre 6672)¶

E nder juɓɓule mawɗe, njoɓdi njoɓdi ina feccii e cate ɗiɗi ceertuɗe sariya :

E les Kuulal 6672 e nder leyɗeele dentuɗe Amerik (Kuulal 227.1 ngal sariya jowitiingal e njoɓdi to Kanadaa, e Notifikaasiyoŋaaji jowitiiɗi e njoɓdi neɗɗo (PLNs) ɗi HM eHRCms Re:u yaltini

1. Hol ko woni "Neɗɗo Jaagorgal"?: Jaambaraagal neɗɗo fawaaki tan e hooreejo gollordu walla e jom jawdi en ɓurɓe heewde. Kala golloowo e fedde, gardiiɗo, tergal njuɓɓudi LLC, hooreejo kaalis, kalfinaaɗo, defterdu, walla tergal yiilirde jogiinde mbaawka siynude e konte banke walla mbaawka suɓaade hol ñamlooɓe yoɓata ko "neɗɗo toppitiiɗo" e dow sariya.
2. Ko woni "Yiɗde"?: Laamu nguu alaa e sago hollirta anniya bonɗo walla fenaande ngam ƴeewde 100 e nder teemedere njoɓdi neɗɗo. E nder sariya tax settled, "willfulness" ina sosee e sahaa nde neɗɗo toppitiiɗo oo anndi tax payroll ina foti yoɓeede, o suɓa yoɓde kala ñamaande woɗnde (ina heen joom leydi, sosiyetee utility, jom jawdi en, walla hay njoɓdi golloowo net take-home wages) e nokku ɗo njoɓdi ndi laamu nguu jogori yoɓde ndi yoɓata.
3. Ko waɗi banke reenaaki ma: Hay so LLC maa walla sosiyetee maa udditii e fiilde ngam ustude banke Chapter 7 walla Chapter 11, Penalty Recovery Fund Trust ina wuura e dow maa e hoore maa. Nde waawaa yaltineede e banke keeriiɗo Chapter 7. Ofiseeji ceede ina mbaawi yoɓde njoɓdi fedde nde e dow hoɗorde maa, garninde njoɓdi maa garooji e golle kese, e yoɓde konte maa ƴeewndorɗe e retireede.
4. Kuulal njoɓdi njoɓdi njamndi mboɗeeri: Hoto meeɗ yoɓde dolaar gooto e njoɓdi laaɓtundi so wonaa tawa aɗa waɗa e sahaa gooto, aɗa yoɓa heen teemedere hiisawal laaɓtunde e njoɓdi njoɓdi gollotooɗo (trust-fund) jokkondirndi e oon dolaar njoɓdi. So tawii ko 50 000 Dolar tan njogiɗaa e banke, oon 50 000 Dolar ina foti yoɓde njoɓdi gros ɓeyda heen njoɓdi njoɓdi njoɓdi ɓurndi famɗude walla feccere, hay dara 50 000 Dolar ƴeewndo netto tawa alaa njoɓdi njoɓdi.

Daawe 3 : ɗooftaare yoɓde njoɓdi fedde nde, dowri, e winndere¶

Waasde yoɓde njoɓdi keɓaandi e ñalawma njoɓdi jogorndi yoɓeede, tawa ina winndaa e dow limlebbi njoɓdi gollotooɓe, ina luurdi e sariyaaji njoɓdi e waktuuji. Kono, no njuɓɓinirtaa doggol njoɓdi leeltungol walla feccere ina wayla no feewi ƴellitaare maa to bannge sariya.

Sariya jowitiiɗo e golle laaɓtuɗe (FLSA) kuule yoɓde ko yaawi (Dowlaaji Dentuɗi Amerik)¶

E nder leyɗeele dentuɗe Amerik Sariya jowitiiɗo e golle laaɓtuɗe (FLSA) e kuule golle hakkunde leyɗeele nannduɗe heen :

• Kuulal jowitiingal e ñalngu njoɓdi: Ñaawirɗe fedde ndee kollitii wonde golloowo ina tooña FLSA so tawii o waawaa yoɓde ko famɗi fof njoɓdi ɓurndi famɗude ndi fedde ndee yamiri (ina heen denndaangal ko heɓaa e waktuuji ɓeydaaɗi e laabi 1,5 ko ɓuri heewde e njoɓdi) e ñalngu njoɓdi jowitiingu e oon yontere golle. Hay so tawii golloowo oo yoɓii gollotooɓe ɓee balɗe nay timmuɗe caggal ɗuum, yoɓde ko juuti ko, e karallaagal, ko leelgol ngol rewaani laawol e nder FLSA, ko ɗum addanta golloowo oo hakke ñaawde **100 e nder teemedere (100%) njoɓdi ndi yoɓaaka ndii, tawa ina ɓeydee heen njoɓdi awokaaji ñaawoowo oo.
• **Ko aldaa e ƴaañgal (waktu) vs.
• Gollooɓe e waktuuji ɗi ngalaa njoɓdi: Ina foti yoɓeede kala waktu timmuɗo gollaaɗo. So tawii ko maa dogna feccere e njoɓdi emergency, awokaaji golle ina keewi wasiyaade yoɓde gollotooɓe ɓe ngalaa njoɓdi waktuuji 100 e nder teemedere waktuuji maɓɓe golloraaɗi e tolno ɓurɗo toowde e njoɓdi ɓurndi famɗude e fedde nde, dowri, walla municipaal (e ɓeydude heen kala njoɓdi ɓeydaandi), tawa ina winnditoo njoɓdi heddii ndii laaɓtundi priorité payin to immediate be.
• Gollooɓe njoɓdi ɓe ngalaa njoɓdi (Executif, Administrative, Professionnel): E nder "test basis de salaire" FLSA (29 CFR 541.602), gollotooɓe ɓe ngalaa njoɓdi ina poti heɓde njoɓdi mum en timmundi ndi ɓe ciifi ko adii nde ɓe mbaɗata kala yontere golle nde ɓe mbaɗata kala golle, tawa ko e limoore days walla waktuuji golle. Arbitrairely docking njoɓdi golloowo mo alaa ko yoɓi e nder yontere feccere ina bonna ngonka maɓɓe mo alaa ko yoɓi, ina wayla ɓe retroactively e golloowo waktuuji potɗi yoɓeede caggal waktuuji ɓeydaaɗi. Kono tan, golloowo ina waawi, e dow sariya, ustude golloowo mo alaa ko yoɓi e yontere golle timmunde (balɗe jeeɗiɗi jokkondirɗe ɗe golloowo oo waɗata golle zero, ƴeewta iimeeluuji zero, ƴetta noddaango telefoŋ zero) tawa o yoɓaani njoɓdi oon yontere.

Ñaawooje gujjugol njoɓdi dowla e ngenndi e ɓeydooje waktuuji daɓɓi¶

Juɓɓule keewɗe ina mbaɗa limtooji otomaatik tiiɗɗi so tawii njoɓdiiji ɗii ina njokki, ina njuuti, walla ina njoɓaaka so njoɓaaka :

Daawe 4 : Haɗde golle "off-the-clock" walla golle ɗe njoɓaaka¶

So tawii gollorde tokosere yanii e caɗeele kaalis keewɗe, ardiiɓe walla gollotooɓe lolluɓe ina keewi wallitde ngam jokkude golle "haa nde ƴeewndo kiliyaneeɓe mawngo ngoo laaɓti lewru arooru nduu", walla joom mum en ina ɗaɓɓa e gollotooɓe ɓee nde njaɓata "deferral salary" mo wonaa laamuyankeewo ngam waylude bonus walla equity garoowo.

Ko waɗi deftere volunteer e golle tawa njoɓaaka ko huunde nde sariya haɗi¶

1. Gollotooɓe mbaawaa woppude sariyaaji njoɓdi e waktuuji: E nder sariyaaji ñaawirdu toowndu (Brooklyn Savings Bank v. O’Neil) e sariyaaji gollorɗi e nder winndere ndee, golloowo waawaa siynude e dow sariya hakke mum heɓde njoɓdi ɓurndi famɗude e njoɓdi ɓeydaandi e sahaa mum. Hay so tawii kala golloowo siifondirii e nanondiral noddaango ngam jaɓde golloraade ko aldaa e njoɓdi fotde jonte ɗiɗi ngam wallitde hisnude sosiyetee oo, oon nanondiral ina fotnoo wonde e sariya so arii. Kala golloowo mo caggal mum yalti e sarɗiiji bonɗi ina waawi wullitaade to Departemaa Golle, tawa ina heɓa 100 e nder teemedere e ɗeen njoɓdi tawa ina ɓeyda heen njoɓdiiji ɗiɗi walla tati ɗi sariya yamiri.
2. Waylude gollotooɓe e nder 1099 kontraaji keertiiɗi: Hoto meeɗ etaade ƴattaade njoɓdi njoɓdi njoɓdi e nder sahaa caɗeele kaalis tawa aɗa rewna heen no feewi gollotooɓe W-2 (walla PAYE) e 1099 kontraaji keertiiɗi. Misclassification ina addana ƴeewndorɗe otomaatik fedde nde e dowlaaji ɗii, ƴeewndorɗe retroactive assurance ŋakkeende golle, e yamiroore yoɓde gollotooɓe ngam dartinde golle.
3. Nde potɗaa dartinde waktu (Compliant Furlough vs. Layoff): So tawii a hoolkisiima wonde hay njoɓdi, liggeyaaji njoɓdi, walla injections capital jeyi leydi ngartataa e sahaa ngam yoɓde yontere golle aroore, aɗa foti yamirde gollotooɓe yo ngoppu golle ko adii nde ɓe keɓata waktuuji ɗi mbaawaa yoɓde. Jaɓde gollotooɓe jokkude golle so tawii njuɓɓudi ndii ina anndi sosiyetee oo ina jogii kaalis, tee ina waawi yoɓde njoɓdi, ina addana ofiseeji sosiyeteeji ɗii ñaaweede fenaande siwil e gujjugol njoɓdi.
4. Ƴeewto sariyaaji njoɓdi timmundi ko adii nde njoɓataa golle: Ko adii nde njoɓataa golle e nder juɓɓule ko wayi no Kaliforni, Massachusetts, Colorado, walla Nevada, hoolkiso so tawii sariya leydi ndii ina ɗaɓɓi **100 e nder teemedere njoɓdi keɓaandi e njoɓdi keɓaandi ndi huutoraaka e juuɗe mum. So tawii a woppii golloowo to Kaliforni ñalnde aset tawa a rokkaani ɗum ƴeewndo mum cakkitiingo e nokku hee, njoɓdi golloowo ñalnde kala ina jokki e dogde no "penalty time wait" nii, fotde balɗe 30 jokkondirɗe (Labor Code Section 203).

Faandaare 5 : Kaalis ponto njoɓdi emergency vs¶

So tawii mbaadi njulaagu maa leslesru ina waɗi nafoore, tee ŋakkeende njoɓdi ina addana ɗum ŋakkeende waktuuji hoolkisaaɗi (hono laamu walla kiliyanke gollordu jogorɗo yoɓde net-60 e nokku net-30), aɗa waawi ustude ŋakkeende ndee e huutoraade kaalis juutɗo. Kono tan, ñamlude kulhuli e nder waktuuji 48 njoɓdi ina heewi bonnude njulaagu tokoosi haa abada.

Kisal vs. halkaare yoɓugo ceede ngam ceede¶

1. Faktoring faktiir hoolkisaango / Kaalis keɓaaɗo e konte (Pont kisal):
2. So tawii aɗa jogii faktiiruuji B2B walla laamu timmuɗi, ɗi luulndaaka, fedde njulaagu laawɗunde walla ñamloowo jawdi ina waawi ɓeydude 80 e nder teemedere haa 90 e nder teemedere e teddeendi faktiir oo e nder waktuuji 24 haa 48.
3. Sabu advance oo ko soodoowo maa yoɓata ɗum ko juuti so faktiir oo timmii e nder balɗe 30 haa 60, ɗum ustataako kaalis gollorɗo maa ñalnde kala e sarwiis ñamaale compounding.
4. Joom / Joom jawdi ñamaande leslesre (Pont kisal):
5. So tawii joom mum walla jom jawdi oo ina waɗa kaalis mum e nder restoraaji mum walla e nder laylaytol mum ngam ustude njoɓdi, woto meeɗ waɗde tan kaalis oo e dow fenaande tawa alaa kaayitaaji.
6. Huutoro Note Promissory mo njuɓɓudi laamu jaɓi, winnditooɗo jolngo ngoo ko ñamaande juutnde (walla darnde kapitaal), e jolnude kaalis oo to bannge Konte Payroll Trust dedicated ngam ñamlooɓe mawɓe mbaawa ɓuuɓnude ɗum.
7. Avances de capital juutɗo e dumunna juutɗo (Risk Moderate):
8. Lowre njoɓdi e nokkuuji yeeyirde duule jamaanu (hono Gusto, Square, Stripe, walla QuickBooks Capital) ina ndokka kaalis gollorɗo juutɗo walla ballal ponto njoɓdi tuugiiɗo e njuuteendi golle maa taariindi. Ƴeewto no feewi mbaydi njoɓdi tabitndi ngam tabitinde wonde ndi ɓuraani marge njuuteendi maa.
9. Avances ceede njulaagu (MCAs) (Hakkille mawɗo):
10. Reento "jaɓde ñalnde wootere" Merchant Cash Advances mo riiba mum heewi, mo njoɓata ko tolno faktiir 1,35 haa 1,50 (ko foti no tolno teemedere hitaande 80 e nder teemedere haa 350 e nder teemedere) e ittude otomaatik debits ACH ñalnde kala subaka kala e konte maa ƴeewndo.
11. Ƴettude MCA ngam suɓaade njoɓdi ñalnde aset ina ɗaɓɓi wonde e jokkorgal njoɓdi ñalnde kala, ƴettugol MCA ñalnde kala maa ustoy 30 e nder teemedere haa 50 e nder teemedere e ngalu maa naatngu, ɗum addanta ma "moƴƴinde" MCA ɗiɗaɓo e ustude spiral maayde e nder balɗe 60.

Daawe 6 : Jokkondiral gollotooɓe laaɓtungal e ƴellitgol bonnugol¶

So tawii leelgol njoɓdi ina waawi waasde hay so tawii kala peeje cash triage, no njokkondirtaa e gollotooɓe maa ina hollita so tawii gollotooɓe maa teeŋtuɓe ina keddii ngam wallitde heɓtude golle ɗee walla yaltude e waɗde wullitaango e nder waktu gooto.

Porotokol jokkondiral njuɓɓudi¶

1. Anndina gollooɓe KO ADDI ñalngu njoɓdi yotta: Woto meeɗ ɗaɓɓude haa subaka Aljumaa nde gollooɓe njiyata zero deposit e nder appliiji banke maɓɓe mobiil. Jokkondirde so tawii taƴre ACH ndee ŋakkii (ina moƴƴi ko alarba kikiiɗe walla subaka alkamiisa).
2. Jokkondirde e ardiiɓe ko adii, caggal ɗuum yeewtidde e gollotooɓe ɓee fof no feewi: Toownde hooreeɓe departemaaji ɗii mbele ɓe ngonaa wumɓe e naamne tikkere, caggal ɗuum mbaɗa batu no feewi, e nder sosiyetee oo fof (rewi heen ko ɗoon e ɗoon ko binnditagol imeel) tawi ko CEO walla joom mum ardii ɗum e hoore mum. Hoto meeɗ rokkude bayyinaango njoɓdi ŋakkundi to gardiiɗo njuɓɓudi aadee tokooso walla to mesaas otomaatik.
3. Hokkude waktuuji e peeje laaɓtuɗe, hoolkisaaɗe: Gollotooɓe njiɗaa yaafuya mo laaɓaani ; ɓe poti anndude so ɓe noddirta joom leydi maɓɓe walla sosiyetee morso. Haala goongaaji laaɓtuɗi: "Sabu leelgol jolngo ummoraade e [Client/Receivable Category], jolngo otomaatik direct aljumaa waawaano yettineede ko adii taƴgol banke alarba. Eɗen njaltina ƴeewndorɗe feccere / jolngo jolngo [X e nder teemedere / minimum statutory] janngo subaka remain e [Y]. e [ñalngu laaɓtungu]."
4. Garanti yoɓde njoɓdi banke golloowo e njoɓdi leelndi: Njoɓdi leelndi ina addana gollotooɓe waktuuji e njoɓdi nguurndam ɓe njoɓdi mum en otomatik, utility, walla njoɓdi otooji mum en ina ɓuuɓta. Anndin e laaɓndal e binndol: "So tawii ndee leelgol njoɓdi addanii ma yoɓde kala njoɓdi ɓurtundi e banke, njoɓdi NSF, walla njoɓdi leelndi kartal/rent, neldu nate ekran walla bayyinaango mbayliigu to [HR/Finance Contact] e sosiyetee oo maa yoɓ 100 e nder teemedere njoɓdi ndii e dow tax-grosse."
5. Yaltinde binnditagol njoɓdi laaɓtungol: Hay so yoɓde kaalis ina leeltina walla ina feccii e pecce ɗiɗi, rokku kala golloowo binnditagol kollitoowol waktuuji golle, njoɓdi keɓaandi, e njoɓdi laaɓtundi ndi yoɓaaka ndi sosiyetee oo foti yoɓde ngam gollotooɓe ɓee mbaawa heɓde seedantaagal binnditagol ko fayti e ɗaɓɓaande mum en.

Daawe 7 : Ɗaɓɓaande njoɓdi ɓurndi teeŋtude e kaalis gartirgol laamu¶

So tawii kiris kaalis njoɓdi hollitii wonde gollordu nduu ina ŋakki e njuɓɓudi mum, tee ina foti ustaade walla waɗde feere ngam yuɓɓinde bankeeji, njoɓdi gollotooɓe ina heɓa ɓural keeringal to bannge sariya e dow ñamlooɓe ɓe ngalaa kaɓirɗe :

• Kod bankeeji leyɗeele dentuɗe Amerik Ɗaɓɓaande njoɓdi ɓurnde mawnude (11 U.S.C. Sec. 507(a)(4)): E nder yuɓɓo 11 walla limto 7, njoɓdi gollotooɓe ɓe yoɓaaka, njoɓdiiji, komisiyoŋaaji, e njoɓdi njulaagu/nyawɓe keɓaaɗi e nder ñalɗi 1800 hokkaama darnde Fourth Priority (haa e limngal limngal 15 150 dolaar wonande kala gollotooɗo), heɓde njoɓdi ko adii denndaangal yeeyooɓe kuuɓtodinɓe, jom en leyɗeele, e ñamlooɓe ɓe ngalaa jamirooje. E nder subchapter V Small Business Chapter 11, ñaawirdu ina waawi yamirde "Motions de salaire du jour gadano" ngam newnude yoɓde njoɓdi gollotooɓe ko adii nde ɗaɓɓaande mum waɗata ɗoon e ɗoon ngam jokkude golle ɗee.
• Sarwiis yoɓugo limngal limngal lesdi Biritaniya (RPS): So tawii golloowo UK nasti nder limngal limngal limngal limngal, nden o waawataa yoɓugo kuugal, huwooɓe ɗon mari haaje yoɓugo haa asaweeje 8 ko yoɓaaka, haa jonte 6 limngal limngal limngal limngal limngal, limngal limngal limngal limngal limngal limngal lesdi ndi’i.
• Programme reenngo njoɓdi Kanadaa (WEPP): So golloowo Kanadaa naatii e banke walla e keɓgol, Service Canada WEPP ina yoɓa gollotooɓe fotɓe yoɓeede ko yaawi njoɓdi ndi yoɓaaka, njoɓdi ñalɗi njulaagu, njoɓdi udditgol golle, e njoɓdi udditgol golle keɓaaɗo e lebbi jeegom ko adii ŋakkeende njoɓdi (haa maxim to fomuxim dañal asiraagal e nder sariya asiraagal golle).

Naamne keewɗe naamneede¶

Ardiiɓe jokkondirɓe¶

• Vendor yoɓaani e ustude kaalis
• Konte njulaagu ɓuuɓɗe e fenaande njoɓdi
• Feere jokkude golle e reentaade musiiba
• Taƴgol gollotooɓe e kisal nokku golle
• Limooje emergency e neldugol hakkunde leyɗeele

Fuɗɗoode ƴeewtaama¶

• Sarwiis njoɓdi nder leydi (IRS) (Leyɗeele dentuɗe Amerik): Kuulal 6672 kuulal njoɓdi nder leydi, njoɓdi gollal e njoɓdi njoɓdi kaalis (TFRP), e bayyinaango 15 (Circulaire E, Guide des impôts de l’emploi).
• Departemaa Golle (DOL) Division Njoɓdi e Waktuuji (Leyɗeele Dentuɗe Amerik): Ɗooftaare sariya jowitiiɗo e golle nuunɗuɗe (FLSA), sarɗiiji yoɓde ko yaawi, e ɓataake #70 (Naamne keewɗe naamneteeɗe ko faati e Furloughs e ustaare goɗɗe njoɓdi e waktuuji golle)
• Njuɓɓudi kisal nafooje gollotooɓe (EBSA) / Departemaa golle (Leyɗeele dentuɗe Amerik): Kuuɗe fiduciary ngam peeje nafooje gollotooɓe e 401(k) lajal neldugol ballal.
• Departemaa jokkondiral gollorɗe Kaliforni (DIR) e Departemaa golle diiwaan New York (Amerik) : Penndagol waktuuji ɗaɓɓugol (Kod golle Sec. 203), Jaɓɓugol neɗɗo (Sec. 558.1), e Kuule sariya haɗde gujjugol njoɓdi.
• HM Revenue and Customs (HMRC) e Sarwiis Ƴellitaare (Dental Leyɗeele): PAYE yoɓde njoɓdi caggal, Notifikaaji Ƴellitaare (PLNs), e Sarwiis Ƴellitaare (RPS) Ardorde Ƴellitaare.
• Agency Revenue Canada (CRA) e Golle e Ƴellitaare Renndo Kanadaa (Kanada): Limngal Direkteer ngam ustude njoɓdi ndi alaa ko yoɓetee (Sariya njoɓdi Sec. 227.1) e Porogaraam ndeenka njoɓdi (WEPP).