Lefu la Tšohanyetso kapa ho se khonehe ha Mong'a Khoebo kapa Molekane oa Bohlokoa¶

Ho lahleheloa ke mothehi oa k'hamphani, mong'a eona a le mong, setho se laolang sa LLC, kapa boholo ba ba nang le kabelo lefung la tšohanyetso, komello, stroke, kapa bofokoli bo matla ba bongaka ke bothata bo teng bakeng sa lelapa le setseng le khoebo e sebetsang. Nakong ea lihora tse 24 ho isa ho tse 72 tsa tahlehelo ea motho ea ka sehloohong, hangata libanka tsa khoebo li koala liakhaonto tsa motho a le mong ha li tseba ka lefu la mong'a ak'haonte, li-payroll processors li notlela litokomane tsa Automated Clearing House (ACH) tse hokahantsoeng le sesebelisoa sa netefatso sa lintlha tse ngata, barekisi ba emisa mehala ea mekitlane ea khoebo, 'me baalimi ba selekane sa khoebo Ntle le protocol ea hang-hang ea ts'ebetso ea ts'ebetso ea molao le ea ts'ebetso, khoebo e nang le phaello e ka oela ho felisoa ka boomo pele lekhotla la probate le khetha moemeli oa thepa.

Ho tsitsisa khoebo ka mor'a lefu la tšohanyetso kapa ho se sebetse ha moeta-pele oa eona ea ka sehloohong ho hloka hore ho be le ts'ebetso e potlakileng ho pholletsa le puso ea khoebo, molao oa libanka tsa khoebo, tsamaiso ea thekiso ea matlo, ho hlaphoheloa ha boitsebiso ba digital, le ho boloka basebetsi le bareki. Ka ho arola thepa ea motho ka mong ho tloha thepa ea khoebo, ho fumana mangolo a tsamaiso e khethehileng ea tšohanyetso kapa matla a tšoarellang a lichelete a bolaoli ba babuelli, ho etsa liqeto tsa boto ea ho kenya liofisiri tsa nakoana, ho tsebisa bajari ba inshorense ea bophelo le litšenyehelo tse holimo tsa khoebo (BOE), le ho fetisetsa molaetsa o khutsitseng, o kopaneng ho basebetsi, barekisi, le ho boloka ba alimang chelete, ba ka sireletsa batšehetsi le baalimi. mekhoa ea boipheliso ea motho e mong le e mong ea itšetlehileng ka khampani.

Etsa sena hona joale¶

1. Bea pele tlhokomelo ea meriana ea tšohanyetso le polokeho ea 'mele sebakeng sa mosebetsi pele. Haeba mothehi kapa molekane a e-na le boemo ba tšohanyetso ba bongaka mosebetsing kapa litaba tsa lefu la tšohanyetso le baka matšoenyeho a maholo kapa matšoao a bongaka har'a basebetsi sebakeng sa heno, letsetsa nomoro ea hau ea ts'ohanyetso ea lehae (911 United States le Canada, 112 ho pholletsa le European Union, 999 United Kingdom, kapa bona kaofela dinomoro tsa tshohanyetso) hanghang.
2. Sireletsa mothehi oa lisebelisoa, li-tokens tsa hardware, le lirekoto tsa pampiri. Hang-hang khutlisa le ho sireletsa laptop ea khamphani, e notletsoe kapa mohala oa thekeng oa biometric (e hlokehang bakeng sa lintlha tse peli tsa netefatso ea SMS le lits'ebetso tsa netefatso), linotlolo tsa ts'ireletso tsa Hardware (joalo ka YubiKeys), libuka tsa tlhahlobo tsa khoebo, likhokahano tse bolokehileng pele, le lisebelisoa tsa ho tima li-biometric ka ho sa feleng.
3. Le ka mohla u se ke ua tekena kapa ua kena li-portal tsa banka ka ho iketsa mong'a mofu. Hang ha motho a hlokahetse, Power of Attorney (POA) eo a faneng ka eona nakong ea bophelo ba hae e fetoha lefeela ka nako ea lefu, 'me ho qala ho fetisetsa chelete ka banka kapa ho saena licheke ka tlas'a lebitso la motho ea hlokahetseng ke bomenemene le bomenemene ba banka.
4. Etsa qeto ea hore na khoebo ke ea mong'a ntlo kapa mokhatlo o ikemetseng oa molao (LLC kapa Corporation). Hula litokomane tsa sebopeho sa khamphani (Lingoloa tsa Mokhatlo, Tumellano ea Ts'ebetso, Melao ea Khoebo, le Tumellano ea ho Reka-Ho Reka) nakong ea lihora tse 24 tsa pele; litokomane tsena li laela hore na ke mang ea nang le matla a hang-hang a molao ho saena licheke, ho tsamaisa meputso, le ho nka Mopresidente oa nakoana kapa boemo ba Setho sa Tsamaiso.
5. Thibela ho emisa ha banka ea khoebo e sa reroang pele meputso e tlang e qala. Pele u kena lekaleng la banka ea khoebo ka setifikeiti sa lefu ntle le moeletsi oa molao, netefatsa hore na ke mang hape ea seng a thathamisitsoe e le motho ea tekenetsoeng ka tumello kareteng ea tekeno ea khoebo; haeba mofu kapa mothehi ea sa khoneng ho sebetsa e ne e le a le mong ea tekenetsoeng ka tumello, sebetsa le moeletsi oa k'hamphani le probate ho lokisa Qeto ea Emergency Corporate kapa boipiletso lekhotleng la liteko bakeng sa mangolo a khethehileng a Emergency a Tsamaiso.
6. Batla Lits'ebeletso tsohle tsa Bohlokoa tsa Inshorense ea Bophelo, Melao ea ho Reka-Ho Rekisa, le Melaoana ea Bokooa ea Litšenyehelo tsa Khoebo (BOE). Batla libuka tsa liak'haonte tsa lik'hamphani bakeng sa litefo tse tsoelang pele ho li-insurers tsa bophelo kapa tsa bokooa; tsebisa lefapha la likopo tsa bajari ba inshorense hang-hang hore le qale ho lefa lekhetho le lefelloang chelete ea ho sebetsa, litefo tsa mekoloto, kapa theko ea thepa e tlamang.

Tlhahlamano ea khoebo ea maemo a tšohanyetso le sefate sa qeto ea bolaoli ba molao¶

flowchart TD
    Start["Mothehi kapa Molekane ea ka Sehloohong o Na le Lefu la Tšohanyetso kapa Bofokoli ba Bongaka"] --> StatusCheck{"Na mong'a lona o holofetse (oa phela) kapa o hlokahetse?"}

    StatusCheck -->|"Ha ba khone (O phela Sepetleleng / ICU)"| CheckPOA{"Na Agreement ea Ts'ebetso e na le Incapacity Clause KAPA mong'a eona o na le Durable Financial POA?"}
    CheckPOA -->|"Ee"| ActivatePOA["Setifikeiti sa ho Hloka Boiteko ba Ngaka + Nako e Tšoarellang POA / Tumellano ea Ts'ebetso ho Banka<br/>Khetha Setho sa Tsamaiso ea Nako ea Nako kapa Mopresidente oa Ts'ebetso <br/>Litšenyehelo tsa Litšenyehelo tse Felletseng tsa Khoebo (BOE) Koko ea Inshorense ea Bokooa"]
    CheckPOA -->|"Che (Ha ho POA ebile ha ho na Co-signer)"| EmergencyConservator["Faela Boipiletso ba Ex Parte Lekhotleng la Probate bakeng sa Ts'ireletso ea Nako ea Tšohanyetso / Tlhokomelo ea Matlo <br/>Fumana taelo ea nakoana ea lekhotla e lumellang meputso le litefiso tsa barekisi"]

    StatusCheck -->|"Mofu"| EntityCheck{"Sebopeho sa molao sa khoebo ke sefe?"}

    EntityCheck -->|"Thepa e le 'ngoe (DBA)"| SolePropProtocol["TLHOKOMELISO: Liakhaonto tsa banka le likonteraka ke tsa thepa ea motho ka mong<br/>Faela Kopo ea Tšohanyetso bakeng sa Mangolo a Khethehileng a Tsamaiso Lekhotleng la Probate<br/>Kopa taelo ea lekhotla ho tsoela pele ho sebetsa khoebo le ho lefa meputso ea basebetsi."]

    EntityCheck -->|"Multi- Member LLC / Partnership / Corporation"| SignerCheck{"Na balekane ba setseng kapa liofisiri li se li ntse li le kareteng e saenneng ea banka?"}
    SignerCheck -->|"Ee"| SurvivingSigners["Batho ba Pholohileng ba saenneng ba Tsoela Pele ho sebetsa 'me Meputso e Tsamaea ntle le Tšitiso<br/>Bitsa Kopano ea Boto ea Tšohanyetso / Litho ho fetisa Qeto ea Ofisiri ea Nakwana<br/>Trigger Buy-Sell theko ea boleng le tleleime ea Inshorense ea Bophelo ea Motho ea Bohlokoa"]
    SignerCheck -->|"Che (Setho se le Mong LLC kapa Sole Signer Corp)"| EstateAppointment["File Emergency Probate Petition for Special Administrator OR Present Revocable Trust Certificate<br/>Revocable Revocable vouts 100% shares ho khetha Mookameli e mocha oa Corporate / LLC Manager <br/>Ntlafatsa Karete ea Saeno ea Banka, Foromo ea IRS 8822-B, le Tlaleho ea FinCEN BOI"]

Mokhahlelo oa 1: Lihora tsa pele tse 72, ts'ebetso e tsitsitseng, meputso, le phihlello ea dijithale¶

Ha mothehi kapa molaoli ea ka sehloohong a nyamela mesebetsing ea letsatsi le letsatsi ka lebaka la lefu la tšohanyetso la pelo, stroke, kotsi e bolaeang, kapa boloetse bo matla, khoebo e kena sebakeng sa ts'ebetso hang-hang. Basebeletsi ba tšaba meputso ea bona, bareki ba tšoenyehile ka litaelo tse sa phethahalang, 'me lisebelisoa tsa maru li qala ho hlōleha ha nako ea ho netefatsa e fela.

Mohato ka mohato Lethathamo la ho tsitsisa ts'ebetso ea lihora tse 72¶

• Khetha Mohokahanyi a le mong oa Mathata le Moetapele oa Ts'ebetso oa Nako: Hang-hang khetha motho a le mong ea khutsitseng, e moholo (mong'a-'moho ea setseng, Ofisiri e Moholo ea Ts'ebetso, molaoli kakaretso, kapa 'muelli oa molao oa khoebo) ho hokahanya liketso tsa molao, tsa banka le tsa basebetsi hore litho tsa malapa le batsamaisi ba se ke ba fana ka litaelo tse hanyetsanang.
• Ho baballa sesebelisoa sa mohala sa mothehi le netefatso ea lintho tse ngata (MFA) ecosystem:
• Likhoebong tse nyane tsa sejoale-joale, mothehi oa li-smartphone le inbox ea lengolo-tsoibila (founder@company.com) ke linotlolo tse ka sehloohong tsa li-portal tsa banka tsa khoebo, li-platform tsa meputso (Gusto, ADP, Paychex), li-processor tsa khoebo (Stripe, Square, Shopify), lisebelisoa tsa maru (AWS, Google Workspace, Microsoft 365), le li-portal tsa lekhetho.
• Haeba fono e ntse e notletsoe kapa e fumaneha ka paskhoutu ea molekane ea tsebahalang, hang-hang eketsa nako ea ho notlela skrineng ho "Le ka mohla," boloka sesebelisoa se hoketsoe tjhajang ea motlakase, 'me u se ke ua qala mohala hape (ho qala hape iPhone kapa sesebelisoa sa Android ho qobella ho kenya paskhoutu ebe ho tima FaceID/TouchID). Beha sesebelisoa sebakeng se sireletsehileng se notletsoeng se sa keneleng mollo se behiloeng bonyane likhato tse 925 tsa Celsius (1,700 degrees Fahrenheit) ha u sa fetise matšoao a netefatso.
• E re molaoli oa IT kapa ofisiri e setseng e kene ho Google Workspace kapa Microsoft 365 Admin Console ho beha botjha phasewete ya imeile ya mothehi, ho fetisetsa ditokelo tsa Super Admin ho ofisiri e setseng, le ho lokisa botjha dinomoro tsa mohala tsa MFA le matshwao a netefatso ho sesebediswa se laolwang ke koporasi.
• Hlahloba matsatsi a latelang a 14 a phallo ea lichelete e molaong:
• Sheba letsatsi le palo ea lidolara tsa tefo e latelang e reriloeng ea ACH debit (bona mathata a lichelete tsa meputso le ho se latele melao ea tefiso ea moputso ha diakhaonto di qhitse).
• Hlalosa litefello tsa bohlokoa tse hlahang khafetsa tse ka koalang ts'ebetso haeba karete ea mokoloto e amanang le mong'a mofu e hlakotsoe ke banka e nts'itsoeng, ho kenyeletsoa le cloud server hosting, likarete tsa peterole tsa khoebo, sekoloto se akaretsang le litefo tsa inshorense tsa basebetsi, le likoloto tsa ts'ebeliso.
• **Sireletsehile lisebelisoa tsa 'mele le thepa **:
• Etsa bonnete ba hore libaka tsa polokelo ea matsoho, litoro tsa mabenkele, liofisi tsa bongaka kapa tsa litsebi, le mabokose a polokelo a bolokehileng a bolokehile.
• Haeba mothehi e ne e le eena feela ea nang le laesense e khethehileng e hlokahalang ho tsamaisa khoebo ka molao (joalo ka ngaka e nang le lengolo, ngaka ea meno, rakhemisi, rakhaonto oa sechaba, 'muelli oa molao, rakonteraka ea akaretsang, morekisi oa thekiso ea matlo, kapa ea nang le laesense ea joala), ** hang-hang ikopanye le 'muelli oa molao kapa boto ea laesense ea mmuso* pele o etsa lits'ebeletso tsa laesense.

Mokhahlelo oa 2: Libanka tsa khoebo li emisa, likarete tse saenneng, le bolaoli ba probate¶

Hore na banka ea khoebo e itšoara joang ka lefu kapa ho se khone ho sebetsa ha mong'a khoebo ho itšetlehile ka ho feletseng ho **sebopeho sa molao sa khoebo ** le Karete e teng ea Corporate Signature Card faeleng ea lefapha la matlotlo a banka.

Mokhoa oa mokhatlo oa molao o laelang ho pholoha ha ak'haonte ea banka¶

Mokhoa oa ho sebetsana le seboka sa banka ea khoebo ntle le ho etsa hore ho be le leqhoa ka phoso¶

Haeba khoebo e le setho se le seng sa LLC kapa k'hamphani e haufi-ufi moo mothehi kapa mothehi ea sa khoneng ho sebetsa e neng e le eena feela motho ea saenneng banka, u se ke ua kena lekaleng la banka ea mabenkele, ua fa motho ea fanang ka lengolo la lefu, ebe u kopa ho ekeletsoa akhaonteng. Baokameli ba makala a mabenkele ba koetlisoa ke mafapha a kotsi a banka hore hang-hang ba behe "Deceased Hold" akhaonteng e 'ngoe le e 'ngoe e amanang le Nomoro ea Ts'ireletso ea Sechaba kapa ID ea lekhetho ho fihlela moeletsi oa molao a hlahloba faele, e leng se ka nkang libeke tse 2 ho isa ho tse 6 mme sa baka liphoso hang-hang.

Ho e-na le hoo, kopanya Commercial Banking Continuity Dossier le 'muelli oa molao oa khoebo kapa oa thepa pele u iteanya le mookameli oa likamano tsa banka kapa lefapha la molao:

1. Bakeng sa Bofokoli ba Bongaka (Mong'a Bongaka O Phela Sepetlele):
2. Fumana lengolo le saennoeng, la ** Setifikeiti se Ngotsoeng sa ho Hloka Bokhoni ** lengolong la lengolo la sepetlele ho tsoa ho ngaka e eang (kapa lingaka tse peli, haeba li hlokoa ke Tumellano ea Ts'ebetso kapa tokomane ea POA) e bolelang hore mosuoe-hlooho ha a khone ho laola litaba tsa bona tsa lichelete le tsa khoebo ka lebaka la ho kula ho matla kapa kotsi.
3. Hlahisa ea mantlha kapa e netefalitsoeng Matla a Tšepahalang a Lichelete a Attorney (ho netefatsa hore e fana ka matla holim'a "ts'ebetso ea khoebo" le "transactions ea banka" tlasa Molao oa Uniform Power of Attorney Act) hammoho le Tumellano ea Ts'ebetso ea LLC kapa Melaoana ea Khoebo e bonts'ang hore na Motsamaisi ea Ts'ebetso kapa Mopresidente oa Ts'ebetso a kengoa joang nakong ea bokooa.
4. Bakeng sa Lefu la Tšohanyetso (Mong'a Lefu, Setsi seo e leng sa Revocable Living Trust):
5. Haeba mothehi ka bohlale a bitsitse thahasello ea litho tsa LLC kapa setoko sa khoebo ka lebitso la ** Revocable Living Trust** ea bona, lekhotla la probate le fetisitsoe ka botlalo.
6. The Successor Trustee e fana ka: (a) kopi e netefalitsoeng ea Setifikeiti sa Lefu, (b) Certification of Trust e netefalitsoeng e tiisang bolaoli ba bona e le Mohlahlami oa Mohlahlami, le © ** Tumello e Ngotsoeng ea Motho a le Mong / Setho se le Mong** e saennoeng ke Mohlahlami oa Mohlahlami ea khethang Mopresidente kapa Mookameli oa Banka ho laola motho e mocha oa banka. litlaleho.
7. Bakeng sa Lefu la Tšohanyetso (Mong'a Lefu, O Abela Lebitso ka Botho le Hlokang Teko):
8. Hobane tsamaiso e tloaelehileng ea probate e nka matsatsi a 30 ho isa ho a 90 ho fana ka Letters Testamentary ea ka ho sa feleng kapa Letters of Administration, laela 'muelli oa molao ho kenya ** Ex Parte Petition for Special Letters of Administration (Emergency Temporary Estate Administration) ** pele ho lihora tse 48 tsa lefu.
9. Makhotla a probate ho pholletsa le United States, Canada, United Kingdom, le Australia a na le mekhoa ea tšohanyetso e potlakileng e etselitsoeng ka ho khetheha ho thibela khoebo e sebetsang ho putlama ha basebetsi ba hloka ho lefuoa 'me thepa e senyehang kapa likonteraka li le kotsing. Hang ha moahloli a saenetse Mangolo a Khethehileng a Tsamaiso (hangata nakong ea matsatsi a 2 ho isa ho a 5 a khoebo), Molaoli ea Khethehileng o tekena Tumello ea Bakarolo ba Kopanelo e khethang ofisiri ea nakoana ebe o fana ka taelo e tiisitsoeng ke lekhotla ho lefapha la molao la banka.

Mokhahlelo oa 3: Lekhetho le tlamang, la taolo, le laesense ea profeshenale ea ho tlatsa¶

Ha motho ea thathamisitsoeng e le "Mokha o Boikarabello" o nang le balaoli ba lekhetho kapa mekhatlo e laolang a e-shoa kapa a se a sa khone ho sebetsa, ho tla hlokahala litokomane tse itseng tsa molao ho netefatsa hore moetapele e mocha oa nakoana a ka buisana le mekhatlo ea mmuso le ho nchafatsa mangolo a tumello ea khoebo.

Litlaleho tsa bohlokoa tsa molao bakeng sa phetoho ea taolo ea khoebo¶

1. Foromo ea Internal Revenue Service (IRS) 8822-B (United States):
2. Nomoro e 'ngoe le e 'ngoe ea Boitsebiso ba Mohiri (EIN) e na le motho a le mong ea khethiloeng litlalehong tsa IRS e le "Mokha o Nang le Boikarabello." Haeba motho eo a e-shoa kapa a holofetse ruri, IRS e tla hana ho bua le baokameli ba setseng kapa bo-ak'haonte mabapi le lekhetho la lekhetho, likalimo tsa lekhetho, kapa puseletso.
3. Nakong ea matsatsi a 60 ha phetoho leha e le efe ea boitsebiso ba Mokha o Ikarabelang, khoebo e tlameha ho kenya IRS Foromo 8822-B (Phetoho ea Aterese kapa Mokha o Boikarabello, Khoebo) e reha lebitso la ofisiri e ncha, setho se laolang, kapa mophethi oa phalliso ea mali.
4. Haeba molaoli oa thepa kapa motšehetsi ea khethiloeng ke lekhotla a laola litaba tsa lekhetho kapa mong'a ntlo a le mong, hape o file IRS Foromo ea 56 (Tsebiso Mabapi le Fiduciary Relationship) e hlomathisang lekhotla Letters Testamentary kapa Letters of Administration.
5. Ntlafatso ea Litaba tsa Bolaoli ba Moputso oa FinCEN (BOI) (United States Corporate Transparency Act):
6. Tlas'a federal Corporate Transparency Act e qobelloang ke Financial Crimes Enforcement Network (FinCEN), lik'hamphani tse tlalehang li tlameha ho kenya tlaleho e ntlafalitsoeng ea Beneficial Ownership Information (BOI) nakong ea matsatsi a 30 a khalendara ea phetoho leha e le efe ea hore na ke mang ea sebelisang "taolo e kholo" holim'a khamphani (joalo ka ho khetha CEO e ncha ea nakoana, Mopresidente, kapa mookameli oa 5% ho fetisetsa phaello e kholo ea 2%). majalefa a macha.
7. Ntlo ea Likhamphani (United Kingdom), Corporations Canada, le Bangoli ba Naha ba Naha:
8. United Kingdom: Faele Foromo TM01 le Companies House nakong ea matsatsi a 14 ho felisa kopano ea motsamaisi ea hlokahetseng, le faele AP01 ho khetha motsamaisi e mocha. Haeba motsamaisi a le mong/kabelo a e-shoa 'me khamphani e na le Lingoloa tsa Mohlala (2008 ho ea pele), baemeli ba motho ba shoeleng ba ka sebelisa lipehelo tsa phetisetso ea molao ho khetha motsamaisi e mocha ntle le ho emela Grant e felletseng ea Probate haeba phihlello e potlakileng ea banka e buisanoa, kapa ba fumana thuso e lekanyelitsoeng e potlakileng.
9. United States / Canada: Fana ka Tlaleho e fetotsoeng ea Boitsebiso, Tsebiso ea Phetoho ea Ofisiri, kapa Tsebiso ea Phetoho ea Batsamaisi (Form 6 federally in Canada) le Mongoli oa Naha kapa ngoliso ea likhoebo tsa provense e le hore libanka tsa khoebo li ka netefatsa lebitso la ofisiri e ncha polokelong ea litaba ea mmuso oa sechaba ka nako ea nnete.

Melao e khethehileng bakeng sa mekhoa ea litsebi e nang le tumello (Bongaka, Molao, CPA, Konteraka)¶

Mokhahlelo oa 4: Ho kenya tšebetsong litumellano tsa ho Reka-Rekisa, Inshorense ea Batho ba Bohlokoa, le Melaoana ea BOE¶

Ha mong'a-'moho a e-shoa kapa a na le bokooa bo sa feleng tšebelisanong ea beng ba bangata, LLC, kapa mokhatlo o haufi-ufi, ho hlaha khohlano e kotsi ea sebopeho hang-hang pakeng tsa **baratuoa ba setseng ba mafolofolo ** (ba sebetsang lihora tse 70 ka beke ho boloka khoebo e phela mme ba batla ho busetsa phaello ts'ebetsong) le ** molekane oa hae ea shoeleng chelete e kenang, ha ba tsebe letho ka ho tsamaisa khoebo, 'me ba batla likhaello tsa chelete hang hang kapa leka ho kena-kenana le liqeto tsa tsamaiso).

Kamoo Litumellano tsa Buy-Sell li thibelang ho holofala ha kopanelo¶

Ka potlako hlahloba k'hamphani ** Tumellano ea ho Reka-Ho Rekisa** (eo e ka bang konteraka e ikemetseng kapa e kentsoeng ka har'a Tumellano ea Ts'ebetso ea LLC kapa Tumellano ea Bakarolo ba Kopanelo) ho fumana mekhoa e tlamang e bakiloeng ke lefu kapa kholofalo e sa feleng:

1. Tlhaloso-Theko Khahlanong le Thekollo ea Mokha (Stock Repurchase) Sebopeho:
2. Leano la Topollo ya Mokgatlo: Khamphani ka boyona e tlamehile ke konteraka (kapa e na le boikgethelo) ho reka diabo tsa botho tsa balekane ba hlokahetseng kapa ba holofetseng ka ho toba thepa ya bona, e tlosa dishere tseo e le hore balekane ba setseng ba be le diperesente tse 100 tsa khampani.
3. Leano la ho reka ka ho Fetisisa: *Basebetsi-'moho le bona ba setseng ba rekela molekane ea hlokahetseng likarolo tsa thepa ho latela beng ba bona ba teng (e leng se fang balekane ba setseng monyetla oa ho nyolla lekhetho ho liabo tse sa tsoa rekoa).
4. Ho Tlisa Mokgwa wa Tekolo:
5. Sheba hore na tumellano e beha theko ea theko joang: na ke Setifikeiti sa Boleng bo Felletseng (hlahloba hore na se qetetse ho nchafatsoa neng), Formula Valuation (joalo ka 4x e latelang EBITDA ea likhoeli tse 12 kapa boleng ba buka), kapa Tekanyetso e Tlamang ea Khoebo e Ikemetseng (moo thepa le k'hamphani e netefalitsoeng ka matsatsi a 6 ho hira mohlahlobi ka matsatsi a 6)?
6. Ho Hlakola Inshorense ea Bophelo ea Motho ea Bohlokoa le Litsenyehelo tsa ho Reka-Rekisa Lichelete:
7. Inshorense ea Bophelo ea Motho ea Bohlokoa: Ke ea k'hamphani mabapi le bophelo ba mothehi/mookameli ea ka sehloohong, 'me **k'hamphani ** e reheletsoeng e le mojalefa. Ha motho a e-shoa, phaello ea lefu la chelete e sa lefelloeng lekhetho e lefshoa ka kotloloho polokelong ea matlotlo ea khoebo ho lefa likalimo tse bitsoang banka, ho koahela chelete e lahlehileng, ho hira mohiri oa nakoana, le ho tiisetsa bafani ba thepa.
8. Buy-Sell Life / Disability Buy-Out Insurance: Melaoana e amanang ka kotloloho le Tumellano ea ho Reka-Rekisa hore khamphani kapa balekane ba setseng ba fumane chelete e hlokahalang ho lefa molekane/thepa ea mofu ka chelete e kaalo ntle le ho ntša chelete e sebetsang ea k'hamphani.
9. Litšenyehelo tsa Litšenyehelo tsa Khoebo (BOE) Inshorense ea Bokooa: Haeba mong'a eona a ntse a phela empa a sa khone ho ea ka meriana*, hlahloba pholisi ea BOE. Ho fapana le inshorense ea bokooa (e nkang sebaka sa moputso oa motho ea eang hae), leano la BOE le buseletsa khoebo khoeli le khoeli bakeng sa mosebetsi o tsitsitseng, ho kenyeletsoa meputso ea basebetsi, rente ea khoebo, litefiso tsa lisebelisoa, lits'ebeletso le inshorense e sa sebetseng hantle, ha mong'a lona a ntse a hlaphoheloa kapa a fetola khoebo.

Mokhahlelo oa 5: Ho laola baalimi ba khoebo, litifikeiti tsa botho, le mekitlane ea barekisi¶

Beng ba likhoebo tse nyane ba bangata ha ba hlokomele hore likalimo tsa SBA tsa khoebo, mekoloto ea banka, litefiso tsa lisebelisoa, le mekoloto ea thekiso ea matlo le meaho e na le poleloana ea Death or Incapacity of Guarantor Event of Default clause.

Ho thibela ho potlakisa kalimo ea banka kapa ho emisa mokoloto oa mokoloto¶

1. Hlahloba litumellano tsohle tsa likalimo tsa khoebo le Litiisetso tsa Botho (PGs):
2. Ha mothehi a saena tiisetso ea botho bakeng sa kalimo ea khoebo kapa khiriso ea khoebo, lefu la bona ka molao le theha Ketsahalo ea Tekheniki tlas'a litokomane tse ngata tse tloaelehileng tsa mokoloto oa khoebo, leha tefo ea kalimo ea khoeli le khoeli e entsoe ka nako.
3. Hang ha thepa ea mothehi e bula ka probate, banka e boetse e tlameha ho kenya kopo ea molao Mokoloto Khahlanong le Estate ka har'a fensetere ea molao ea probate (hangata likhoeli tse 3 ho isa ho tse 6) ho boloka litokelo tsa eona tsa netefatso, tse ka emisang kabo ea thepa.
4. Porothokhole e sa Lebelloang ea ho Tsitsisa ha Bakalimi:
5. Le ka mohla u se ke ua emela algorithm ea tlhahlobo ea kotsi ea banka ho fumana lefu la mothehi le ho emisa Line ea hau ea Mokoloto ntle le temoso.
6. Pele o theola kapa o nchafatsa mekoloto ea mekitlane, lokisetsa Management Continuity & Financial Stability Briefing e bonts'ang: (a) sehlopha sa batsamaisi ba khale se ntseng se le teng, (b) likhakanyo tsa morao-rao tsa chelete le likhakanyo tsa phallo ea chelete ea libeke tse 13, © chelete e ntseng e letetse ea Key Person Life Insurance e tlang ho tšehetsa tekanyo ea tekanyo ea chelete, le (d) ho tšehetsa boholo ba balekane kapa boitlamo ba ho phela. Tumellano ea Phatlalatso ea Guarantor kapa Tumellano ea Phetoho ea Kalimo kahoo banka e tlohela ho senyeheloa ke tekheniki.
7. Tiisetso ea Mokitlane oa Barekisi le Khoebo:
8. Barekisi ba atolositseng mokoloto oa khoebo oa Net-30 kapa Net-60 ho latela kamano ea ho ts'oarana ka matsoho le mothehi ea hlokahetseng ba ka tšoha 'me ba fetolela k'hamphani ea hau ho Cash-on-Delivery (COD) ka bosiu bo le bong (bona ho se lefshoe ha barekisi le ho emisa ho phalla ha chelete).
9. E-re Mopresidente oa Nakoana ka boeena a letsetse barekisi ba bohlokoa ba 10 nakong ea lihora tse 72 ho netefatsa hore liakhaonto tsohle tse lefuoang li lefshoa ka kemiso le ho hlahisa puisano e ncha e tobileng ea lichelete.

Mokhahlelo oa 6: Mengolo ea puisano ea mathata bakeng sa basebetsi, bareki le barekisi¶

Menyenyetsi e tsamaea ka har'a k'hamphani ka mor'a metsotso e seng mekae feela ka mor'a hore ambulense e fihle kapa poso ea obituary. Haeba basebetsi kapa bareki ba bohlokoa ba utloa ka lefu la mothehi kapa ho kena sepetlele ka mecha ea litaba ea sechaba kapa lesebo la indasteri pele ba utloa ho tsoa ho boetapele ba k'hamphani, basebetsi ba bohlokoa ba ka qala hang-hang ho buisana le bahlolisani mme bareki ba ka sehloohong ba ka emisa ho nchafatsa konteraka.

1. Sengoloa sa phatlalatso sa basebetsi ba ka hare (Ipeele ka seqo kapa video e hlahang pele, e lateloe ke lengolo-tsoibila)¶

Taba: Ntlafatso ea Bohlokoa Mabapi le [Lebitso la Mothehi] le Ts'ebetso ea Khampani
"Sehlopha, ke ngola ka litaba tse boima. [Maobane / Pejana kajeno], mothehi oa rona le [Sehlooho], [Lebitso], [o ile a hlokahala ka tšohanyetso / o ile a tšoaroa ke boemo ba tšohanyetso bo tebileng ba bongaka 'me hona joale o fumana tlhokomelo e khethehileng ea sepetlele]. Mehopolo ea rona ke ea pele le ea bohlokoa le lelapa la [Lebitso] nakong ena e thata.

Kea tseba hore hammoho le ho sareloa ha hao le ho ameha ka [Lebitso], ka tlhaho u ka 'na ua ba le lipotso mabapi le hore na sena se bolela'ng ho k'hamphani ea rona le mesebetsi ea hau. Ka kopo tiiseha hore [Lebitso la K'hamphani] e hahiloe ka sebopeho se matla sa boetapele ho tsoela pele ho sebetsa hantle. E sebetsa hang hang, [Lebitso la Moetapele wa Nakwana, Sehlooho] e se e nkile matla a felletseng a tshebetso le a ho saena bakeng sa khamphani ho ya ka diprothokholo tsa rona tsa tlhatlhamano ya khamphani.

Lits'ebetso tsohle tsa khoebo, merero ea bareki, melemo ea basebetsi, le litefiso tse reriloeng tsa meputso li ntse li tsoela pele ntle le tšitiso ea liperesente tse 100. Batsamaisi ba Lefapha ba tla kopana le sehlopha se seng le se seng ka [Nako] kajeno ho hokahanya tšireletso bakeng sa li-account life kapa life tse sebetsang [Lebitso la Mothehi] a neng a sebetsana le bona ka bobona. Ka kopo, lebisa litaba tsa kantle kapa lipotso tsa bareki mabapi le phetoho ena ka kotloloho ho [Lebitso/Lebitso]."

2. Sengoliloeng sa kholiseho ea bareki ba bohlokoa le ba khoebo¶

Taba: Ntlafatso ea Boetapele le Tsoelo-pele ea Akhaonto ho [Lebitso la Khampani]
"Ratehang [Lebitso la Client], ke ka masoabi a tebileng re arolelanang litaba tsa [ho feta / phomolo ea bongaka] ea [Mothehi/Molekane] oa rona, [Lebitso], ka [Letsatsi]. [Lebitso] re amehile haholo ka tšebelisano ea rona le [Client Company Name] 'me re thehile sehlopha se seholo se inehetseng akhaonteng ea hau.

Re ntse re ikopanya le rona kajeno ho netefatsa hore moralo oa rona oa ho tsoela pele oa khamphani o sebetsa ka botlalo 'me ha ho na ho ba le tšitiso ea letho mabapi le litšebeletso tsa hau tse tsoelang pele, mananeo a litšebeletso, kapa boitlamo ba tšehetso. [Interim Executive Name, Title], ea sebelitseng le [Lebitso la Mothehi] ka lilemo tse [X], o okametse tšebetso ea rona ea tsamaiso ka kotloloho, 'me [Lebitso la Moetapele oa Akhaonto] e ntse e le moetapele oa hau oa letsatsi le letsatsi. Re ka thabela ho u letsetsa metsotso e 10 bekeng ena ka nako e loketseng ho araba lipotso leha e le life le ho hlahloba liketsahalo tsa rona tsa bohlokoa tse tlang."

Mokhahlelo oa 7: Ho aha Setlankane sa Katleho sa Tšohanyetso sa "Break-Glass".¶

Bokella dijithale tsa 'mele le tse patiloeng "Break-Glass" Tsoelo-pele ea Khoebo & Succession Binder e le hore lelapa la hau le basebetsi le ka mohla ba se ke ba ts'oaroa ke serame sa probate:

• Felisa Kotsi ea Banka ea Motho a le Mong: Etsa bonnete ba hore ak'haonte e 'ngoe le e 'ngoe ea banka e na le bonyane ba saenneng ba babeli ba lumelletsoeng kareteng e saenneng.
• Etsa Mosebetsi oa Boemeli o Ikhethileng oa Khoebo: Saena Lekhetlo le ikhethileng la Durable Financial Power of Attorney le qotsang ka ho hlaka tšebetso ea khoebo, litokelo tsa ho vouta tsa mekhatlo, libanka tsa khoebo, le bolaoli ba lekhetho la meputso.
• Amohela Molao oa Mohlahlami ea Ngotseng Tumellanong ea Ts'ebetso ea LLC: Bakeng sa Li-LLC tsa Setho se le Mong, bolela lebitso le itseng **Mohlahlami oa Selemo sa Selemo ** ho Tumellano ea Ts'ebetso mme o rehele thahasello ea setho sa LLC ka hare ho Revocable Living Trust ho feta lekhotla la liteko.
• Beakanya Selaoli sa Mantsoe a K'hamphani se nang le Phihlello ea Tšohanyetso: Boloka mangolo ohle a ngolisitsoeng a libanka, mangolo-tsoibila a mongolisi, li-account tsa cloud root, le liphasewete tsa balaoli sebakeng sa polokelo ea khoebo se nang le mosebeletsi ea khethiloeng ea nang le monyetla oa ho fumana thuso ea tšohanyetso.
• Sireletsa Boemo ba Lekhetho la S-Corporation: Haeba khamphani ea hau e lefisoa lekhetho e le S-Corporation tlas'a Karolo ea 1361 ea IRC 'me likabelo li fetela trust ha u e-shoa, file Qualified Subchapter S Trust (QSST)** kapa Electing Small Business Trust (ESBT) likhetho pele ho nako ea likhoeli tse 24 tsa tumello ea molao.

Lipotso tse botsoang khafetsa¶

Litataiso tse amanang¶

• Morero oa ts'ebetso ea khoebo le ho hlaphoheloa ha likoluoa
• Mathata a lichelete tsa meputso le ho se latele melao ea tefo ea moputso
• Ho se pataloe ha barekisi le phallo ea chelete e hoama
• Tahlehelo ea mosebelisi ea ka sehloohong le litekanyetso tsa lichelete tsa lelapa
• Linomoro tsa maemo a tšohanyetso le thomello ea machaba

Mehloli e hlahlobiloe¶

• Internal Revenue Service (IRS) (United States): Foromo 8822-B (Phetoho ea Aterese kapa Mokha o Boikarabelo, Khoebo), Foromo ea 56 (Tsebiso Mabapi le Kamano ea Fiduciary), le Phatlalatso 559 (Baphonyohi, Baphethahatsi ba Phethahatso, le Balaoli).
• Financial Enforcement Network (FinCEN) (United States): Litlhoko tsa Tlaleho ea Beng ba Molemo (BOI) le Melao ea Nchafatso ea Matsatsi a 30 bakeng sa Bolulo ba Matlo le Liphetoho tsa Ofisiri.
• Komisi e Tšoanang ea Molao (ULC) (United States): Revised Uniform Limited Liability Company Act (RULLCA Karolo ea 602/603 mabapi le Karohano ka Lefu kapa Bofokoli) le Molao o Tšoanang oa Matla a Attorney (UPOAA Karolo ea 110 mabapi le Pheliso ea Matla a Moemeli Lefung).
• Tsamaiso ea Likhoebo tse Nyane (SBA) (United States): Tsela e Tloaelehileng ea Ts'ebetso (SOP 50 57) ka Lefu la Motho ea Bohlokoa kapa Mohlokomeli oa Botho ho Likoloto tsa Khoebo tse Tiisitsoeng tsa SBA.
• Companies House le HM Courts & Tribunals Service (United Kingdom): Phetiso ea Liabo ka Lefu la Mookameli a le Mong/Shareholder (Lingoloa tsa Mohlala oa Likhamphani oa 2006) le Lithuso tse Potlakileng tsa Boemeli.
• Mokhatlo oa Lekhetho oa Canada (CRA) (Canada): RC4111 (Seo U Lokelang ho se Etsa Ka mor'a Lefu) le Nomoro ea Khoebo Mekhoa ea Tumello ea Moemeli oa Molao.