<prompt> Fingqa isihloko: Izitolo ezinkulu ziye zasolwa ngokusebenzisa amaqhinga okuhlukumeza ngokunikeza abahlinzeki bazo imali-mboleko yasebhange esikhundleni sokukhokha ngokushesha izikweletu zabo. Amaketanga ahlanganisa iMorrisons neMarks Spencer aye enza izinhlelo ezihlehlisa ukukhokhwa kwama-invoice kumabhizinisi amancane awathengisela izimpahla. Abahlinzeki kudingeka balinde inyanga ukuze babhalise, kodwa uma bengakwazi ukubekezela isikhathi eside, izitolo ezinkulu zibanikeza ithuba lokuthola isikweletu ebhange. Ikhokha imali ngaphambi kokuba isuphamakethe yenze kanjalo kodwa ikhokhisa inzalo yemali ebolekiwe. Izitolo ezinkulu ziye zasungula izinhlelo ezihlehlisa ukukhokhwa kwama-invoice kumabhizinisi amancane okusho ukuthi abalimi abaningi bazobhekana nenkinga yokugeleza kwemali. Abagxeki bathi izinhlelo ezinjalo ziphoqa amafemu amancane ukuba akhokhe imali eningi ukuze athole imali okwakufanele ayithole ngokushesha kwasekuqaleni. UPhil Orford, isikhulu esiphezulu seForum of Private Business, sathi izolo ebusuku: Lokhu kungenye futhi ukuntuleka kokuziphatha enhliziyweni yezinkampani zaseBrithani ezaziwa kakhulu. Ukuhlangana kwabo okubonakalayo kule ndawo kusongela ukuphazamisa umgogodla womnotho wase-UK amabhizinisi amancane. Ngokwesibonelo, iMorrisons inesikimusokuxhasa ngezimali abahlinzeki neLloyds Bank. Ngaphansi kwezivumelwano ezethulwa ngasekupheleni konyaka odlule, iningi labaphakeli bezitolo ezinkulu liye lakhuthazwa ukuba lilinde izinsuku ezingu-90 ukuze likhokhelwe ama-invoice alo, okuyisikhathi eside ngenyanga kunesikhathi esedlule. Labo abangakwazi ukubekezela isikhathi eside baqondiswa esivumelwaneni uMorrisons asenze neLloyds. Ibhange liyobanika imali yabo ngokushesha ngesimo semalimboleko. IMorrisons inesikimusemali yabahlinzeki neLloyds Bank. Ibhange linganikeza abahlinzeki imali yabo ngokushesha ngesimo semalimboleko. ULloyds uthola imali yenzalo, uMorrisons ugcina imali ayikweletayo emabhokisini ayo isikhathi eside futhi amafemu akhokha ukuze athole imali yawo. Umhlinzeki wakwaMorrisons, owafisa ukuhlala engaziwa, wathi kuyisibonelo sakamuva sebhizinisi elikhulu elisebenzisa amaqhinga abacindezeli ukuze lenze inzuzo eyengeziwe. Lo mkhuba usemthethweni, kodwa umhlinzeki wathi kungaba umehluko...  <response>: I-Morrisons ne-MS baye basungula izinhlelo ezihlehlisa ukukhokhwa kwama-invoice. Izitolo ezinkulu ziye zasolwangokukhwabanisa ngokunikeza imali-mboleko. Abahlinzeki kudingeka balinde inyanga ukuze babhalise. Kodwa uma bengakwazi ukulinda izitolo ezinkulu zibanikeza isikweletu sasebhange. 