{"id":10079,"date":"2021-04-20T06:15:57","date_gmt":"2021-04-20T06:15:57","guid":{"rendered":"https:\/\/www.factris.com\/?p=10079"},"modified":"2023-01-10T07:34:40","modified_gmt":"2023-01-10T07:34:40","slug":"paklausi-verslo-finansavimo-forma","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/geriausia-verslo-finansavimo-priemone\/","title":{"rendered":"Geriausiai pasiteisinusi verslo finansavimo priemon\u0117"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”21px|||||”][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” header_font_size=”46px” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_font_size=”27px” header_2_line_height=”1.3em” header_3_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Pandemija ir atsiradusi nauja valstyb\u0117s verslo finansavimo priemon\u0117 gerokai pakoregavo iki \u0161iol nusistov\u0117jusias finansavimo formas.<\/h2>\n

Po daugiau nei met\u0173 nuo pirmojo karantino \u012fvedimo, alternatyv\u016bs finansuotojai pastebi tendencij\u0105 – valstyb\u0117s finansin\u0117 pagalba i\u0161augino \u012fmoni\u0173 galimybes skolintis. Negana to, viena itin populiari verslo finansavimo priemon\u0117 paskatino faktoring\u0105<\/a> \u0161iek tiek susitraukti.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Verslo finansavimo priemon\u0117 \u2013 kredito linija<\/h2>\n

Dar vasar\u012f i\u0161sekusi paklausiausia finansin\u0117 priemon\u0117 \u201eAlternatyva\u201c<\/a> buvo atnaujinta. I\u0161 viso \u201eInvega\u201c fond\u0105 smulkiojo ir vidutinio verslo finansavimui \u0161iuo metu sudaro 91 mln. Eur. \u201eAlternatyva\u201c suteikia galimyb\u0119 verslams pasiskolinti iki 500 000 Eur sum\u0105 u\u017e maksimalias 7 % metines pal\u016bkanas. Be to, po \u201eInvega\u201c pal\u016bkan\u0173 kompensacijos \u2013u\u017e finansavim\u0105 mok\u0117ti tik 0,35 % per metus. Lengvatinio skolinimo sutartys sudaromos neribotai iki 2022 m. pabaigos.<\/span><\/p>\n

\u012emoni\u0173 skolinimosi patirtys diktuoja tendencij\u0105 \u2013 \u0161iuo metu u\u017e faktoring\u0105 paklausesn\u0117 finansavimo priemon\u0117 yra kredito linija. Justas \u0160altinis, \u201eFactris\u201c vadovas Lietuvoje, sako, jog pastaraisiais metais \u012fmon\u0117s re\u010diau naudojosi faktoringu. To prie\u017eastis \u2013 \u201eInvega\u201c teikiamos lengvatin\u0117s paskolos nuo COVID-19 nukent\u0117jusioms \u012fmon\u0117ms.<\/span><\/p>\n

\u201eApyvartinio kapitalo poreikio ma\u017e\u0117jim\u0105 l\u0117m\u0117 ir atid\u0117ti mokes\u010diai bei kitos lengvatin\u0117s priemon\u0117s. Kitaip tariant, rinkos dalyviai taip pat \u0117m\u0117si paprastesni\u0173 finansini\u0173 instrument\u0173 \u2013 paskol\u0173, kredito linij\u0173<\/a>\u201c, \u2013 komentuoja J. \u0160altinis.<\/span><\/p>\n

\u201eFactris\u201c faktoringo portfelis<\/a> 2020 m. pabaigoje suma\u017e\u0117jo 34 %, ta\u010diau finansuot\u0173 s\u0105skait\u0173 kiekis i\u0161liko tas pats \u2013 suma\u017e\u0117jo tik prekybini\u0173 sandori\u0173 apimtys.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Karantinas verslui pasijaut\u0117 ne i\u0161 karto<\/h2>\n

Susidom\u0117jimas faktoringu gal\u0117jo suma\u017e\u0117ti d\u0117l neapibr\u0117\u017etumo, atsiradusio paskelbus karantin\u0105. Tod\u0117l tokios pirmin\u0117s versl\u0173 reakcijos \u012f kriz\u0119 ir buvo galima tik\u0117tis. Atitinkamai \u012fmon\u0117s labiau telk\u0117 d\u0117mes\u012f \u012f likvidum\u0105 ir veiklos pritaikym\u0105 naujoms aplinkyb\u0117ms. Taip pat der\u0117josi su tiek\u0117jais, sprend\u0117 tiekimo grandies problemas. V\u0117liau \u2013 verslas dirbo netaikydamas atid\u0117jim\u0173, tik su avansiniais mok\u0117jimais.<\/span><\/p>\n

Verslai steng\u0117si kuo labiau optimizuoti s\u0105naudas ir stabdyti neb\u016btinas investicijas. Nors pirmaisiais karantino m\u0117nesiais dar buvo fiksuojamas nauj\u0173 sutar\u010di\u0173 pasira\u0161ymas, nuo vasaros pasteb\u0117ta, jog verslai darosi konservatyvesni. Tai rei\u0161kia \u2013 nei\u0161duoda ilg\u0173 atid\u0117jimo termin\u0173 ir pra\u0161o avansini\u0173 mok\u0117jim\u0173. Taip pat gerokai suma\u017e\u0117jo \u012fmoni\u0173 eksporto apimtys bei i\u0161ra\u0161omos s\u0105skaitos. Tai tapo dar viena prie\u017eastimi, l\u0117musia faktoringo poreikio suma\u017e\u0117jim\u0105.<\/span><\/p>\n

Pasikeitusios aplinkyb\u0117s paskatino persiorientuoti ir \u201eFactris\u201c. Atitinkamai atsi\u017evelgta \u012f naujus verslo poreikius bei pasi\u016blytos paprastesn\u0117s finansavimo formos. Atsiradusios trumpalaik\u0117s paskolos, kredito linijos ir investicin\u0117s paskolos leido suteikti klientams pigesn\u012f finansavim\u0105. V\u0117liau \u0161i\u0173 priemoni\u0173 ir atvirk\u0161tinio faktoringo portfelis i\u0161augo iki 116 %.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Bankinio finansavimo alternatyva<\/h2>\n

B\u016bdami \u201eInvega\u201c finans\u0173 tarpininku<\/a> teik\u0117me finansavim\u0105 nuo COVID-19 nukent\u0117jusiam verslui. Tod\u0117l gal\u0117jome skolinti toms \u012fmon\u0117ms, kuri\u0173 galimyb\u0117s gauti finansavim\u0105 bankuose itin suma\u017e\u0117jo. Lyginant parai\u0161k\u0173 kiek\u012f, antrojo karantino metu j\u0173 i\u0161augo 39 %. Atitinkamai teigiamo sprendimo sulauk\u0117 36 % finansavimo parai\u0161k\u0173.<\/span><\/p>\n

Pirmojo karantino metu did\u017eioji dalis versl\u0173 kreip\u0117si d\u0117l faktoringo<\/a> su kredito draudimu. Kitaip tariant, band\u0117 apsaugoti \u012fprastas pardavimo transakcijas. Jei anks\u010diau verslas parduodavo prekes su 60 d. atid\u0117jimu, dabar situacija pasikeit\u0117. Verslas gal\u0117jo t\u0119sti veikl\u0105 teikiant \u012fprastin\u012f atid\u0117jim\u0105. Kitas variantas \u2013 trumpinti atid\u0117jimo termin\u0105. Galiausiai \u2013 neparduoti preki\u0173 be avanso, arba apdrausti transakcij\u0105 kredito draudimu. Besikreipiantiems d\u0117l faktoringo su draudimu, teko nusivilti, nes kai kurios prekinio draudimo bendrov\u0117s sugrie\u017etino vertinimus. D\u0117l to buvo suteikta ma\u017eiau teigiam\u0173 atsakym\u0173 d\u0117l draudimo limit\u0173. Tai v\u0117lgi nul\u0117m\u0117 ma\u017eesn\u012f faktoringo sandori\u0173 kiek\u012f.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Kriterijai, norint pasinaudoti faktoringu<\/h2>\n

Vis d\u0117lto \u012fmon\u0117ms, svarstan\u010dioms pasinaudoti faktoringu, patariama patikrinti u\u017esakov\u0173 kredito rizik\u0105. Be to, net ilgalaikiai partneriai gali tapti nemokumo atvejais. Ne ma\u017eiau svarbu vertinti ir nauj\u0173 partneri\u0173 u\u017esakymus. Pasitaiko, kad pandemijos paveiktos \u012fmon\u0117s, kuri\u0173 pardavimai krito, b\u016bna apgaunamos. Joms pateikiami fiktyv\u016bs u\u017esakymai ir pakli\u016bvama \u012f suk\u010di\u0173 rankas.<\/span><\/p>\n

Vyraujant ribojimams ir nestandartiniam verslo ritmui, si\u016bloma suma\u017einti rizik\u0105 prekinio kredito draudimo<\/a> paslauga. Jei pirk\u0117jai n\u0117ra draud\u017eiami, yra galimyb\u0117 finansuoti s\u0105skaitas pasinaudojant \u201eInvega\u201c garantijomis faktoringo sandoriams, rizik\u0105 prisiimant sau. Apibendrinant, \u0161i verslo finansavimo priemon\u0117 \u2013 tai dar vienas b\u016bdas likvidumo u\u017etikrinimui.<\/p>\n

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Papasakokite savo verslo istorij\u0105<\/h2>\n

Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

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Pandemija ir atsiradusi nauja valstyb\u0117s verslo finansavimo priemon\u0117 gerokai pakoregavo iki \u0161iol nusistov\u0117jusias finansavimo formas. Po daugiau nei met\u0173 nuo pirmojo karantino \u012fvedimo, alternatyv\u016bs finansuotojai pastebi tendencij\u0105 – valstyb\u0117s finansin\u0117 pagalba i\u0161augino \u012fmoni\u0173 galimybes skolintis. Negana to, viena itin populiari verslo finansavimo priemon\u0117 paskatino faktoring\u0105 \u0161iek tiek susitraukti. \u00a0 Verslo finansavimo priemon\u0117 \u2013 kredito linija […]<\/p>\n","protected":false},"author":1,"featured_media":21349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

Advisory board<\/strong><\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

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