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 取最新中小企管理、現金流、商業趨勢、最佳營運方法資料

Growth Opportunity

When your business should take on debt

As business owners, taking on debt can be an effective of managing your cash flow. Whether you need it for business expansion (eg. hiring more people, buying more supplies, getting a bigger office space), or simply to provide peace of mind in case of unexpected delays in customer payment collection, external capital injections are an important part of operating any business.

Posted on 
Apr 26, 2019
  by
Daren Guo
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When your business should take on debt

As business owners, taking on debt can be an effective of managing your cash flow. Whether you need it for business expansion (eg. hiring more people, buying more supplies, getting a bigger office space), or simply to provide peace of mind in case of unexpected delays in customer payment collection, external capital injections are an important part of operating any business.

張貼
Apr 26, 2019
  by
Daren Guo
繼續閱讀
Credit Cards

How to pay rent with your credit card in Hong Kong and Singapore

In Hong Kong and Singapore, credit cards continue to dominate as the payment method of choice for almost all online transactions. This makes sense as unlike other payment methods (eg. cash, bank transfers, checks) credit cards come with a unique combination of security, rewards and convenience.

Posted on 
Apr 16, 2019
  by
Daren Guo
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How to pay rent with your credit card in Hong Kong and Singapore

In Hong Kong and Singapore, credit cards continue to dominate as the payment method of choice for almost all online transactions. This makes sense as unlike other payment methods (eg. cash, bank transfers, checks) credit cards come with a unique combination of security, rewards and convenience.

張貼
Apr 16, 2019
  by
Daren Guo
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Leadership領導

運用私人貸款成就你的創業大計

創業絕非易事,找尋合適的資金來源往往是創業之初的一大艱鉅挑戰。如果你的銀行帳戶並無巨額儲備,你便需要從其他途徑找尋所需的現金,方能順利實踐大計。 小企業為公司籌組資金時,有多種借貸的形式和途徑可以選擇,例如:備用信貸、銀行融資、另類借貸人、私募基金和眾籌等等。但私人貸款呢?你能用私人貸款來營商嗎?

Posted on 
Apr 12, 2019
  by
Kevin Kang
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運用私人貸款成就你的創業大計

創業絕非易事,找尋合適的資金來源往往是創業之初的一大艱鉅挑戰。如果你的銀行帳戶並無巨額儲備,你便需要從其他途徑找尋所需的現金,方能順利實踐大計。 小企業為公司籌組資金時,有多種借貸的形式和途徑可以選擇,例如:備用信貸、銀行融資、另類借貸人、私募基金和眾籌等等。但私人貸款呢?你能用私人貸款來營商嗎?

張貼
Apr 12, 2019
  by
Kevin Kang
繼續閱讀
Growth Opportunity

Buyer initiated payments: Increasing payment terms & optimizing working capital

Reap allows you to pay any recipient using any credit card, sending funds securely from the card directly to the recipient’s bank account, without the recipient needing to set up any kind of merchant account, processor, payment gateway or point-of-sale device. We have received a lot of questions in the past months about how this works, and so today I wanted to explain more about the model behind the scenes.

Posted on 
Apr 5, 2019
  by
Kevin Kang
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Buyer initiated payments: Increasing payment terms & optimizing working capital

Reap allows you to pay any recipient using any credit card, sending funds securely from the card directly to the recipient’s bank account, without the recipient needing to set up any kind of merchant account, processor, payment gateway or point-of-sale device. We have received a lot of questions in the past months about how this works, and so today I wanted to explain more about the model behind the scenes.

張貼
Apr 5, 2019
  by
Kevin Kang
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Reap News & AnnouncementReap 新聞和公告

Automate bill pay with Reap Payment Schedule

Let’s be honest, remembering to pay your recurring bills and expenses is not the most exciting task in the world. What if there was a way to automate your large business expense payments similar to the way your phone bill, Netflix or Spotify subscription are paid?

Posted on 
Apr 2, 2019
  by
Daren Guo
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Automate bill pay with Reap Payment Schedule

Let’s be honest, remembering to pay your recurring bills and expenses is not the most exciting task in the world. What if there was a way to automate your large business expense payments similar to the way your phone bill, Netflix or Spotify subscription are paid?

張貼
Apr 2, 2019
  by
Daren Guo
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Leadership領導

【一起創業吧!】6個創業家必備條件

不少人心中都有一團做老闆的火,但對於創業前要作的準備和籌劃的過程卻未必了解,今次阿睥就和大家分享一下創業前的注意事項和條件,希望大家能創出自己的一片天!

Posted on 
Mar 29, 2019
  by
Daren Guo
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【一起創業吧!】6個創業家必備條件

不少人心中都有一團做老闆的火,但對於創業前要作的準備和籌劃的過程卻未必了解,今次阿睥就和大家分享一下創業前的注意事項和條件,希望大家能創出自己的一片天!

張貼
Mar 29, 2019
  by
Daren Guo
繼續閱讀
Managing Money理财

Looking For Short-Term Cash Flow Solutions in Hong Kong? What Option Is Right For Your Business

If you have an immediate cash flow problem, then the quickest fix might be a short-term financing solution. It’s the fastest way to get money in your bank account if you don’t plan on receiving any large revenue payments within the next day. Find out in this article, the 3 best options for your business in Hong Kong for short-term cash flow solutions.

Posted on 
Mar 28, 2019
  by
Kevin Kang
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Looking For Short-Term Cash Flow Solutions in Hong Kong? What Option Is Right For Your Business

If you have an immediate cash flow problem, then the quickest fix might be a short-term financing solution. It’s the fastest way to get money in your bank account if you don’t plan on receiving any large revenue payments within the next day. Find out in this article, the 3 best options for your business in Hong Kong for short-term cash flow solutions.

張貼
Mar 28, 2019
  by
Kevin Kang
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Productivity生產率

Automate accounts payable so it can help generate more revenue for your business

Automation is the way of the future, allowing companies to focus on running their business rather than spending time with manual processes. Whether you are looking to increase the efficiency of your accounts payable department or if you are just getting started in business, the benefits of automating your A/P far outweigh the costs.

Posted on 
Mar 25, 2019
  by
Daren Guo
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將應繳賬項自動化能為企業帶來更多收益

自動化是未來的發展方向,允許公司專注於運營業務,而不是花時間處理手動流程。 無論您是希望提高應付賬款部門的效率,還是剛開始從事業務,自動化A / P的好處遠遠超過成本。

張貼
Mar 25, 2019
  by
Daren Guo
繼續閱讀
Payment Security付款安全

Payments security 101: Explaining payment tokenization

For companies that accept credit and debit card payments, a breach of confidential customer data is among the most serious risks they face. Failure to protect data leads to financial costs, customer defections and loss of reputation all of which affect bottom line and public perception.“Tokenization” is a super-buzzy payments term and what it does is pretty simple adds an extra level of security to sensitive credit card data.

Posted on 
Mar 21, 2019
  by
Daren Guo
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安全付費101: 講解一下支付憑證代碼化

較早前我們提到PCI支付行業安全標準(在不同金融管理當局的協助和管理下)如何監控與信用卡相關的數據處理、傳送和儲存以確保安全。接著,我們想進一步探討支付憑證代碼化在進行網上支付時,實際上於保安層面發揮了什麼作用。

張貼
Mar 21, 2019
  by
Daren Guo
繼續閱讀
Cross Border Payment跨境支付

Cross Border Payment Options for SMEs for Hong Kong

For a large number of small to medium businesses here in Hong Kong, cross-border or international commerce is a large part of their day-to-day operations. This includes both selling and buying from international counterparties. What this means for businesses, is that they will constantly face issues with FX, remittance, transfers and dealing with foreign payment costs that are not always be clear. So it becomes important to understand what the options are when it comes to sending money overseas for business purposes.

Posted on 
Mar 14, 2019
  by
Kevin Kang
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中小企在香港可選擇的跨境支付途徑 ‍

對於大部分在香港的中小企而言,跨境或環球商務是它們日常營運的一個重要部分。這包括與全球不同的生意夥伴做買賣交易,同時意味著中小企要不斷面對兌換外匯、匯款、轉賬和處理海外費用等問題,而當中牽涉的費用往往會含糊不清,令人易失預算。因此,在處理商務的層面來說,了解進行海外匯款時有那些選項就變得非常重要了。

張貼
Mar 14, 2019
  by
Kevin Kang
繼續閱讀
Reap News & AnnouncementReap 新聞和公告

Reap Cross-Border Payments Feature Available Now

Today, we're extremely excited to launch Reap cross-border payments to 40 different countries across the world.

Posted on 
Mar 13, 2019
  by
Daren Guo
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Reap 的跨境支付功能現正啟用

今日,我們非常高興宣佈Reap 的跨境支付服務正式推出,連接全球40個不同國家。

張貼
Mar 13, 2019
  by
Daren Guo
繼續閱讀
Payment Security付款安全

Payments security 101: Why payment platforms need to be (at least) PCI compliant

Digital payments remain at the forefront of tech progress in the banking industry. But with the advancement of payment tools, a variety of payment platforms, and hundreds of payment providers, the security of digital payments remains a top priority for consumers.

Posted on 
Mar 12, 2019
  by
Daren Guo
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安全付費101:為什麼支付平台需要(至少)符合PCI支付卡行業安全標準

與大多數網上應用程式相比,支付相關的產品不論在安全性和私隱度上都應該具有相對較高的標準。

張貼
Mar 12, 2019
  by
Daren Guo
繼續閱讀
Credit Cards信用卡

How do I get a Business / Corporate Credit Card as a SME in Hong Kong

As your small business grows, your management needs will, too. You’ll have more employees, more invoices to pay, more accounts receivable. And you may have too many authorized users on your small-business credit card. At that point, it may be time to change from a small-business card to a corporate credit card.

Posted on 
Mar 7, 2019
  by
Kevin Kang
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作為中小企要怎樣做才可以於香港申請到商業/公司信用卡

為了方便交易、方便記賬,又或者是為了提升現金流而想延遲繳費,不論出發點是什麼,每個成長中的企業都會遇到一些時候是需要考慮使用信用卡作為付費模式的。如果你是小企業的東主或獨資經營者,你可以使用個人信用卡去支付企業費用,不但管理賬目時簡單方便,你亦可同時體驗信用卡帶來的各種好處。但是隨著業務增長,開銷和員工變得越來越多,最後你會發現申請一張公司卡(或多張公司卡)去管理日常要繳付的賬項絕對是明智之舉。

張貼
Mar 7, 2019
  by
Kevin Kang
繼續閱讀
Reap News & AnnouncementReap 新聞和公告

Reap, Hong Kong's newest innovation in credit payments platform, won the award for Outstanding Online Credit Card Payment Platform at ET Net's FinTech Awards 2018

The 1st FinTech Award to an online Credit Card Payment Platform that allows all businesses to pay any operating expenses using credit cards to improve cash flow, maintain liquidity and grow their business.

Posted on 
Mar 6, 2019
  by
Read More

Reap, Hong Kong's newest innovation in credit payments platform, won the award for Outstanding Online Credit Card Payment Platform at ET Net's FinTech Awards 2018

The 1st FinTech Award to an online Credit Card Payment Platform that allows all businesses to pay any operating expenses using credit cards to improve cash flow, maintain liquidity and grow their business.

張貼
Mar 6, 2019
  by
繼續閱讀
Credit Cards信用卡

Top 6 ways credit card spending can reduce overall expenses

In an environment of growing competition for small businesses, establishing processes around cost controls and spending visibility is an integral part of the path to profitability. Investors, regulators and long-term customers have expectations and demand for more disciplined spending in the relevant areas and growth oriented businesses are now turning to credit cards (commercial and personal) to help with their expense management process.

Posted on 
Mar 4, 2019
  by
Daren Guo
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使用信用卡消費同時節省整體開支的6大優點

在競爭越趨激烈的營商環境中,小企業想有利可圖,最重要的一環是要做好成本控制和在處理開支時做到賬目分明。投資者、監管機構和長期客戶都會期望並要求你在用錢時不要胡亂揮霍且用得其所。而以增長為目標的企業現在都紛紛轉用信用卡(商業和個人)令他們在管理開支的流程上更為妥善。

張貼
Mar 4, 2019
  by
Daren Guo
繼續閱讀
Managing Money理财

Why Won’t Your Suppliers Accept Credit Card Payments? And How To Change Their Mind

According to PRNewswire.com, virtual card payments make up 50% of all B2B payments. Suppliers are accepting virtual card payments now more than ever before, but many still rely on outdated payment methods because they believe the fees don’t outweigh the benefits. Despite the most common objections for refusing to accept card payments, virtual cards offer clear benefits suppliers simply can’t ignore.

Posted on 
Feb 27, 2019
  by
Kevin Kang
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為什麼你的供應商不接受以信用卡支賬?如何改變他們的想法

根據PRNewswire.com,以虛擬卡支付賬項的比例佔所有企業與企業之間(B2B)的支賬達50%。供應商現在比以往更願意接受以虛擬卡的方式來收取賬項,但許多人仍然依賴過時的付賬方式,因為他們認為新方法的優點不足以令他們心甘情願繳付額外的服務費。對於不願意接受以信用卡付款的一群,我們暫且撇開他們的反對聲音,再仔細想想其實虛擬卡確實提供了不少好處是供應商不應忽視的。

張貼
Feb 27, 2019
  by
Kevin Kang
繼續閱讀
Managing Money理财

Cash Flow 101: How to forecast and manage cash flow

In the first article of this series we talked about why businesses should worry about measuring cash flow instead of profit. Today, we want provide a walkthrough of how small businesses can actually measure cash flow with minimal accounting knowledge.

Posted on 
Feb 24, 2019
  by
Daren Guo
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現金流101:如何估算和管理現金流

在這系列的第一篇文章中,我們討論過為什麼企業應該先憂心現金流的狀況而非側重於企業賺錢與否。今天,我們想逐步解說一下,小企業如何可以用最基本的會計知識著實去衡量現金流的狀況。

張貼
Feb 24, 2019
  by
Daren Guo
繼續閱讀
Credits & Loans信貸和貸款

Is It Better to Get a Business Loan or a Business Line of Credit?

Small and medium sized business owners often will face this question when they have achieved a certain level of scale, and are considering options to finance their continued growth.

Posted on 
Feb 21, 2019
  by
Kevin Kang
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究竟申請商業貸款還是商業備用信貸會比較好呢?

不少中小企業東主常常遇到這個問題,特別是當業務發展至一定規模,他們考慮不同的融資方案令業務得以持續發展的時候。作為企業東主,不論是時間抑或是資金,你或你的合作伙伴大概已經從你們的個人資產中投放了相當的份額。當企業需要籌組額外資金時,以借貸形式,例如申請貸款或信貸來進一步拓展業務,亦是合理之舉,只要債務不超出企業可承擔的範圍便可。

張貼
Feb 21, 2019
  by
Kevin Kang
繼續閱讀
Managing Money理财

Working Capital Calculator - Demystifying what working capital means for your business

The general definition of working capital is the amount of money used for financing the day-to-day operations of a business. However, what does this definition actually mean in practice? Is it the amount of money in the bank account of your business? Is it the amount sitting in the cash register?

Posted on 
Feb 17, 2019
  by
Kevin Kang
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營運資金計算器 – 拆解營運資金對你的業務有何含義

營運資金一般泛指企業用於日常營運的款項。然而,這個定義在營商環境中實際又代表什麼呢?是你公司在銀行賬戶中的存款金額嗎?是你在現金出納機內的款項嗎?抑或是你需要先修讀會計學位,以及應用你的現金流報表和資產負債表方能盤算出營運資金實際上對你的業務具有什麼意義呢?

張貼
Feb 17, 2019
  by
Kevin Kang
繼續閱讀
Managing Money理财

Cash flow 101: Why you should worry about cash flow instead of profit

82% of businesses fail due to poor cash flow management. Especially If you are a new SME (where cash management is especially challenging), it should be a key area of focus as you get your business up and running.

Posted on 
Feb 13, 2019
  by
Daren Guo
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现金流101:您应重视现金流而非利润的原因

通常,小型企业所有人将盈利当作企业运营的主要目标之一。但无论业务或产品多有创意,企业始终生存艰难。而且如果现金流管理不善,公司倒闭就在所难免了。

張貼
Feb 13, 2019
  by
Daren Guo
繼續閱讀
Cross Border Payment跨境支付

Going global : SME working capital financing for cross-border trade

As a nation with a relatively smaller domestic population, Singapore businesses have always thrived on being able to enter global markets. This ongoing trend of internationalisation is largely driven by Singapore’s advancements in innovation

Posted on 
Feb 1, 2019
  by
Kevin Kang
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放眼全球:中小企籌組營運資金作跨境貿易之用

作為一個國內人口相對較少的國家,新加坡的企業一直致力打入環球市場。這股邁向國際化的趨勢很大程度上是由於新加坡致力推動創新產業的發展所致。Lazada、TWG、Razer和BreadTalk都是一些成功企業的例子。隨著科技進步,創新思維和知識都變得普及,不再只侷限大企業才能步向國際。事實上,中小企業現在正以前所未有的速度走向全球化。根據新加坡商業聯合會(SBF)於2017/2018年度進行的全國商業調查,從事海外商業活動的公司越來越多,甚至達至歷史新高的水平(83%),而當中大部分都是中小企業。這可歸功於新加坡政府的努力,其中新加坡企業發展局更提供不同的項目包括市場準備援助補助金和企業發展補助金去支援中小企。

張貼
Feb 1, 2019
  by
Kevin Kang
繼續閱讀
Managing Money理财

Cash is Still King: How startups can manage and improve their cash flow

Startups live and die by their cash. According to a recent CB Insights study of 101 startup failures, running out of cash is the second biggest reason why startups fail, ahead of having the wrong team, competition, and pricing issues.

Posted on 
Apr 19, 2018
  by
Kevin Kang
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現金仍是王道:初創企業如何管理和改善現金流?

初創公司的存亡,往往由他們的現金流主宰。最近CB insights進行了名為「101個初創失敗的原因」的研究,發現現金流失是導致創業公司失敗的第二大原因,排名比團隊問題,市場競爭和定價問題更高。

張貼
Apr 19, 2018
  by
Kevin Kang
繼續閱讀