{"id":12847,"date":"2021-12-08T13:05:16","date_gmt":"2021-12-08T13:05:16","guid":{"rendered":"https:\/\/www.factris.com\/?p=12847"},"modified":"2021-12-08T13:30:28","modified_gmt":"2021-12-08T13:30:28","slug":"finansu-valdymas-ir-alternatyvus-finansavimas-pandemijos-issukiai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/pandemijos-issukiu-valdymo-patarimai\/","title":{"rendered":"Finans\u0173 valdymas ir alternatyvus finansavimas: pandemijos i\u0161\u0161\u016bkiai"},"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

2021 m. rinkos dalyviai \u2013 ir verslas, ir vartotojai \u2013 gyvena ramesn\u0117mis, prie pandemijos prisitaikiusiomis nuotaikomis. Stebime, kad ekonomika atsigauna, eksportas ir pramon\u0117 auga, atlyginimai kyla, tik gal kiek jau\u010diamas verslo susilaikymas nuo didesni\u0173 investicij\u0173 pl\u0117trai. Ta\u010diau bendros nuotaikos \u2013 teigiamos.<\/h2>\n

Nors 2021 m. nepalyginamai pozityvesni nei 2020 m., ta\u010diau jie turi sav\u0173 i\u0161\u0161\u016bki\u0173: spar\u010diai auganti infliacija (Lietuvoje metin\u0117 infliacija spal\u012f sudar\u0117 8%, o per \u0161\u012f m\u0117nes\u012f kainos \u0161oktel\u0117jo per 1,7%), kuri\u0105 lemia i\u0161augusios energijos kainos, global\u016bs logistikos sutrikimai, \u017ealiav\u0173 stygius, po pandemijos i\u0161aug\u0119s vartojimas ir Lietuvai ypa\u010d aktualus darbuotoj\u0173 tr\u016bkumas, lemiantis darbuotoj\u0173 atlyginim\u0173 augim\u0105. Atsi\u017evelgdami \u012f tai versl\u0105 raginame atkreipti d\u0117mes\u012f \u012f kelis svarbius momentus planuojant ir valdant pardavimus \u0161iais ir ateinan\u010diais metais:<\/p>\n

1. Pirmas ir svarbiausias verslininkams rekomenduojamas nam\u0173 darbas \u2013 atlikite pirk\u0117j\u0173 mokumo vertinim\u0105.<\/strong> Tai ypa\u010d svarbu padaryti, jei dirbate su nauju pirk\u0117ju ir atsiskaitymui bus suteikiamas atid\u0117jimo terminas. Da\u017enai matome, kad verslininkai teikia daugiau d\u0117mesio deryboms d\u0117l preki\u0173 ar paslaug\u0173 kainos, siekia kuo auk\u0161tesnio pelningumo, o rizikos vertinimo aspekt\u0105 apleid\u017eia. Pavyzd\u017ei\u0173 toli ie\u0161koti nereikia. Kai \u012fmon\u0117s kreipiasi \u012f mus d\u0117l finansavimo, i\u0161 pirmo \u017evilgsnio \u012fmon\u0117s finansai atrodo neblogai, apyvartos kasmet auga, generuojamas pelnas. Ta\u010diau pasigilinus neretai atrandame, kad \u012fmon\u0117s gautinos sumos yra abejotinos. K\u0105 tai rei\u0161kia? \u012emon\u0117 atliko nam\u0173 darbus, pardav\u0117 prekes pirk\u0117jui, ta\u010diau jis nesugeb\u0117jo atsiskaityti, tapo nemokus, pirk\u0117jui buvo i\u0161kelta restrukt\u016brizavimo ar bankroto byla, atitinkamai, tikimyb\u0117 atgauti mok\u0117jimus i\u0161 tokio pirk\u0117jo tampa menka, vietoj u\u017edirbto pelno patiriamas nuostolis. Pirk\u0117j\u0173 rizikos vertinimas b\u016btinas ne tik svarstant, ar dirbti su \u0161iuo u\u017esakovu, bet ir sprend\u017eiant, kokius apmok\u0117jimo terminus suteikti: 15, 30 ar 60 d., o gal reikia dalini\u0173 avansini\u0173 mok\u0117jim\u0173.<\/p>\n

Ypatingai vertinant naujus ir j\u016bs\u0173 verslui nepa\u017e\u012fstamus pirk\u0117jus si\u016blome susirinkti apie juos kuo daugiau informacijos: naudotis kredit\u0173 biur\u0173 paslaugomis ir kitais vie\u0161ais \u012frankiais, kur matoma informacija apie teisminius procesus ir v\u0117lavimus, finansiniai rodikliai, o taip pat, pvz., kredito limitai, \u012fmon\u0117s vert\u0117 ir kredito reitingas. Tai leid\u017eia lengviau orientuotis, kaip tur\u0117t\u0173 b\u016bti vertinamas pirk\u0117jas.<\/p>\n

\u012evertinti pirk\u0117jus gali pad\u0117ti ir faktoringo \u012fmon\u0117s. Jos patikrina j\u016bs\u0173 u\u017esakov\u0105 kredito draudimo bendrov\u0117je, draudimo limito ribose apdraud\u017eia j\u016bs\u0173 i\u0161ra\u0161omas s\u0105skaitas tam konkre\u010diam pirk\u0117jui ar pirk\u0117jams. Jei u\u017esakovas yra nedraud\u017eiamas, faktoringo bendrov\u0117 surenka informacij\u0105 apie u\u017esakov\u0105 ir jums pateikia jo \u012fvertinim\u0105, kaip b\u016bt\u0173 saugu su juo dirbti. Atsi\u017evelgdamas \u012f suteikt\u0105 informacij\u0105 verslininkas gali nuspr\u0119sti, kokias atsiskaitymo s\u0105lygas naudoti: pavyzd\u017eiui, saugiau dirbti su daliniais avansais, duoti trumpesn\u012f atid\u0117jimo termin\u0105, kad gal\u0117tum\u0117te identifikuoti, ar u\u017esakovas sugeba laiku apmok\u0117ti s\u0105skaitas. Jei pasitaiko v\u0117lavim\u0173, svarstyti kitus veiksmus, kurie leist\u0173 minimizuoti potenciali\u0105 neatsiskaitymo rizik\u0105 (stabdyti atliekamus darbus, nebetiekti preki\u0173 ir pan.).<\/p>\n

2. Kain\u0173 indeksavimas.<\/strong> \u0160is \u012frankis svarbus verslams, kurie dirba su kontraktine gamyba ir ilgesnio atid\u0117jimo terminais, da\u017eniausiai \u2013 statyb\u0173 ir pramon\u0117s sektoriai. Bendraudami su tokiais klientais pandemijos laikotarpiu matome, kad jie patenka \u012f situacijas, kai sutar\u010di\u0173 sudarymo momentu sandoris yra pelningas, ta\u010diau j\u012f vykdant d\u0117l \u017ealiav\u0173 kain\u0173 \u0161uolio jis ne tik nene\u0161a prognozuoto pelno, bet tampa net nuostolingu, nes \u017ealiav\u0173 kainos augo ne procentais, o kartais.<\/p>\n

Kad kontraktiniai sandoriai i\u0161likt\u0173 pelningi, alternatyvus finansuotojas rekomenduoja teikiant pasi\u016blymus ir sudarant sutartis su u\u017esakovais, kur \u012fmanoma, numatyti \u017ealiav\u0173 kain\u0173 indeksavim\u0105, \u2013 jei \u017ealiav\u0173 kainos kyla ir tai fiksuoja Statistikos departamentas ar kita sutarta \u012fstaiga, kurios indeksais pasikliaujate, \u017ealiav\u0173 kain\u0173 augim\u0105 prisiima u\u017esakovas arba \u0161alys pasidalina \u0161iuos ka\u0161tus pagal susitarim\u0105. Da\u017eniausiai kain\u0173 indeksavim\u0105 sutartyse nusimato verslai, dirbantys su vie\u0161aisiais pirkimais.<\/p>\n

3. Galimybi\u0173 \u012fsivertinimas ir apyvartin\u0117s l\u0117\u0161os.<\/strong> \u017daliav\u0173 kainos kyla bene visuose sektoriuose (metalas, mediena, statybin\u0117s med\u017eiagos, naftos produktai ir kita) nuo keli\u0173 procent\u0173 iki 2,5 kart\u0173 ir net daugiau. Taigi, jei anks\u010diau \u017ealiavoms pirkti, tarkime, reik\u0117jo 50 t\u016bkst., dabar gali reik\u0117ti ir 100\u2013125 t\u016bkst. eur\u0173. Verslo atstovas turi du pasirinkimus:<\/p>\n

1) naudojamos turimos apyvartin\u0117s l\u0117\u0161os ir \u017ealiav\u0173 perkama atitinkamai ma\u017eiau;
2) apyvartin\u0117s l\u0117\u0161os pagausinamos surastais papildomas resursais.<\/p>\n

Pirmu variantu rizikuojama, kad, d\u0117l dalinio \u017ealiav\u0173 atsive\u017eimo ir\/arba tiekimo problem\u0173 (ypa\u010d, kai komponentai atsive\u017eami i\u0161 Kinijos), verslas gali strigti ir v\u0117luoti atlikti darbus bei pristatyti prekes. Atitinkamai rizikuojama, kad bus pritaikytos baudos u\u017e v\u0117lavim\u0105, potencialiai gali nukent\u0117ti santykiai su u\u017esakovu.<\/p>\n

Antru variantu reikia skirti laiko ie\u0161kant priimtiniausio finansavimo partnerio, kuriuo gali b\u016bti bankas, kredito unija, alternatyvus finansuotojas. Jaunam, smulkiam verslo atstovui, ar ie\u0161kan\u010diam nestandartini\u0173 finansavimo sprendim\u0173, daugiausiai pasi\u016blym\u0173 gali pateikti alternatyvus finansuotojas. Pavyzd\u017eiui, \u201eFactris\u201c, vertindamas potencialaus kliento veiklos specifik\u0105 ir poreikius, \u012fmon\u0117s finansus si\u016blo apyvartines l\u0117\u0161as papildyti verslui tinkamiausiu finansavimo \u012frankiu. Tai gali b\u016bti bene papras\u010diausias finansavimo b\u016bdas \u2013 faktoringas, o taip pat atvirk\u0161tinis faktoringas (skirtas tiek\u0117j\u0173 s\u0105skaitoms apmok\u0117ti), kredito linija (apyvartin\u0117ms l\u0117\u0161oms papildyti, \u012fskaitant darbo u\u017emokes\u010dio mok\u0117jimus), paskola (skirta investiciniams projektams \u012fgyvendinti ar apyvartin\u0117ms l\u0117\u0161oms, kai dirbama ilg\u0173 termin\u0173 projektin\u0117je veikloje).<\/p>\n

Alternatyvaus finansavimo \u2013 faktoringo \u2013 bendrov\u0117s pagal savo veiklos specifik\u0105 yra finansinis partneris verslui. Jos jau\u010dia atsakomyb\u0119 kuo i\u0161samiau pakonsultuoti ir patarti savo klientams. Alternatyvus finansavimas \u2013ypa\u010d populiarus tarp smulkaus ir vidutinio verslo atstov\u0173, kurie paprastai neturi rizikos vertinimo specialist\u0173, tad partneryst\u0117 su alternatyvaus finansavimo \u012fstaigomis yra vienas i\u0161 rizikos vertinimo ir valdymo sprendim\u0173. \u201eFactris\u201c komanda yra pasiruo\u0161usi pakonsultuoti, patarti verslams apyvartini\u0173 l\u0117\u0161\u0173 ir rizikos valdymo klausimais, ati\u017evelgdami \u012f rinkos poreikius kvie\u010diame pasinaudoti specialiomis s\u0105skait\u0173 finansavimo s\u0105lygomis.<\/p>\n

Straipsnis pirm\u0105 kart\u0105 publikuotas portale delfi.lt.<\/a><\/em><\/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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2021 m. rinkos dalyviai \u2013 ir verslas, ir vartotojai \u2013 gyvena ramesn\u0117mis, prie pandemijos prisitaikiusiomis nuotaikomis. Stebime, kad ekonomika atsigauna, eksportas ir pramon\u0117 auga, atlyginimai kyla, tik gal kiek jau\u010diamas verslo susilaikymas nuo didesni\u0173 investicij\u0173 pl\u0117trai. Ta\u010diau bendros nuotaikos \u2013 teigiamos. Nors 2021 m. nepalyginamai pozityvesni nei 2020 m., ta\u010diau jie turi sav\u0173 i\u0161\u0161\u016bki\u0173: spar\u010diai […]<\/p>\n","protected":false},"author":1,"featured_media":12849,"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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