{"id":13060,"date":"2022-01-26T12:18:19","date_gmt":"2022-01-26T12:18:19","guid":{"rendered":"https:\/\/www.factris.com\/?p=13060"},"modified":"2024-04-16T08:14:16","modified_gmt":"2024-04-16T08:14:16","slug":"paskolos-ir-faktoringo-skirtumai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/paskola-ar-faktoringas\/","title":{"rendered":"Verslo finansavimas faktoringu ir paskola: kokie esminiai skirtumai ir prana\u0161umai?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”21px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”#||divi||400″ button_icon_placement=”left” button_on_hover=”off” global_colors_info=”{}” 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=”4.16″ _module_preset=”default” max_width=”700px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” 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″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Prireikus pinig\u0173 \u017ealiavoms ar \u012frengimams \u012fsigyti, pl\u0117trai ar apyvartini\u0173 l\u0117\u0161\u0173 verslo atstovai ima svarstyti, kok\u012f finansavimo b\u016bd\u0105 pasirinkti. Finans\u0173 specialistai da\u017enai sulaukia verslinink\u0173 klausim\u0173, kuo skiriasi paskola ir faktoringas, kur\u012f ir kada \u012fmon\u0117ms geriau pasirinkti. \u012e \u0161iuos klausimus atsako Gabija Zdanevi\u010dien\u0117, alternatyvaus finansuotojo \u201eFactris\u201c Pardavim\u0173 komandos vadov\u0117.<\/h2>\n

 <\/p>\n

Kokie \u0161i\u0173 finansavim\u0173 \u2013 faktoringo ir paskolos \u2013 pagrindiniai skirtumai ir pana\u0161umai?<\/h2>\n

Abiej\u0173 finansavimo produkt\u0173 esm\u0117 \u2013 suteikti finansavim\u0105 klientui. Pagrindiniai skirtumai tarp \u0161i\u0173 finansavimo produkt\u0173 yra \u0161ie:<\/p>\n

\u2013 norint gauti paskol\u0105 b\u016btina u\u017estatyti turt\u0105. Da\u017enu atveju finans\u0173 \u012fstaiga pra\u0161ys \u012fkeisti nekilnojam\u0105 turt\u0105 kaip finansavimo u\u017etikrinimo priemon\u0119. Paprastai smulkus ir jaunas verslas, deja, galimybi\u0173 u\u017estatyti turto neturi, nes tiesiog neturi nuosavo turto.<\/p>\n

Ta\u010diau jei pasirenkama finansuoti faktoringo b\u016bdu, u\u017estatas nereikalingas, nes su faktoringu kartu teikiama kredit\u0173 draudimo paslauga, kuri finansuotojui veikia kaip u\u017estatas. Tokiu atveju klientas ne tik neteikia u\u017estatin\u0117s priemon\u0117s, ta\u010diau ir pats gauna apsaug\u0105 nuo savo pirk\u0117jo nemokumo ar bankroto. Pa\u017eym\u0117tina, kad faktoringui b\u016btina s\u0105lyga \u2013 ne\u012fkeistos gautinos sumos ir pardavimai su atid\u0117jimo terminu juridiniams asmenims;<\/p>\n

\u2013 norintiems gauti paskol\u0105 da\u017ena finans\u0173 \u012fstaiga kels reikalavimus, kad potencialus klientas tur\u0117t\u0173 ne ma\u017eesn\u0119 kaip dviej\u0173 piln\u0173 finansini\u0173 met\u0173 istorij\u0105. Taip pat yra b\u016btina tvarkinga kredito istorija, t. y. netur\u0117t\u0173 b\u016bti v\u0117lavim\u0173 kredito \u012fstaigoms, tiek\u0117jams, \u201eSodrai\u201c, Valstybinei mokes\u010di\u0173 inspekcijai, klientas netur\u0117t\u0173 fig\u016bruoti kaip atsakovas teisminiuose procesuose. Kliento, siekian\u010dio gauti finansavim\u0105 faktoringu, veiklos istorija gali b\u016bti ir pusme\u010dio, nes svarbiausia, kad jo preki\u0173 ar paslaug\u0173 pirk\u0117jai b\u016bt\u0173 patikimi ir mok\u016bs;<\/p>\n

\u2013 faktoringo l\u0117\u0161\u0173 gavimas paprastas ir laikui neimlus procesas: nuo kreipimosi iki finansavimo gavimo da\u017eniausiai praeina 1\u20133 darbo dienos, nors kai kada finansavimas suteikiamas ir t\u0105 pa\u010di\u0105 dien\u0105. Siekiant gauti paskol\u0105 procesas yra \u017eymiai ilgesnis: vertinamas \u012fkei\u010diamas turtas, derinamas dokument\u0173 tvarkymo laikas pas notar\u0105 ir tik po u\u017estato gavimo yra i\u0161mokamos l\u0117\u0161os. Tad paskolos gavimo procesas gali t\u0119stis bent 5\u201320 darbo dien\u0173.<\/p>\n

 <\/p>\n

Kada kurio finansavimo rekomenduojama kreiptis?<\/h2>\n

Paskolos da\u017eniausiai sudaromos ilgesniam laikotarpiui nei 1 metams. Atitinkamai su ilgalaike paskola yra finansuojamas ilgalaikis turtas, t. y. \u012frangos, patalp\u0173 ar transporto priemoni\u0173 \u012fsigijimas \u2013 turtas ilgalaikis, tad ir jo \u012fsigijimui panaudoto finansavimo gr\u0105\u017einimas yra i\u0161d\u0117stomas per kelet\u0105 met\u0173, pvz., 2\u20135 metus, o \u012fsigyjant didel\u0117s vert\u0117s turt\u0105 \u2013 ir keliolika met\u0173.<\/p>\n

Faktoringo paslauga gautos l\u0117\u0161os yra naudojamos apyvartai \u2013 \u012fsigyti didesn\u012f kiek\u012f \u017ealiav\u0173, sumok\u0117ti darbuotoj\u0173 atlyginimus, einamosioms i\u0161laidoms dengti. Jei finansavimo reik\u0117jo \u201evakar\u201c ir gautas l\u0117\u0161as planuojama panaudoti apyvartai, rekomenduojame rinktis faktoring\u0105.<\/p>\n

 <\/p>\n

Ar \u0161i\u0173 finansavim\u0173 pasirinkimui turi reik\u0161m\u0117s \u012fmon\u0117s veiklos pob\u016bdis, verslo \u0161aka, klientai, apyvartos ir pan.?<\/h2>\n

Taip, finansavimo produkto pasirinkimui daro \u012ftak\u0105 verslo \u0161aka, kurioje \u012fmon\u0117 veikia. Jei tai gamybos ar logistikos \u012fmon\u0117, vieni i\u0161 b\u016btin\u0173 finansavimo \u012franki\u0173, reikaling\u0173 \u012fmon\u0117s veiklos t\u0119stinumui, bus paskola ir lizingas, o kiti finansavimo produktai apyvartin\u0117ms l\u0117\u0161oms: faktoringas ar kredito linijos. \u012emon\u0117ms, veikian\u010dioms prekybos, statybos ir kituose apyvartini\u0173 l\u0117\u0161\u0173 reikalaujan\u010diuose sektoriuose, ilgalaik\u0117s paskolos n\u0117ra b\u016btinos, nes \u0161ie verslai labiausiais reikalauja apyvartini\u0173 l\u0117\u0161\u0173 \u017ealiavoms ir prek\u0117ms \u012fsigyti. \u012emon\u0117ms, kurios rinkoje veikia ilg\u0105 laik\u0105, turi dideles apyvartas, gauti paskol\u0105 papras\u010diau nei smulkiam ar vidutiniam verslui su ma\u017eomis apyvartomis. Pastarosioms \u012fmon\u0117ms, kaip jau min\u0117jau, turin\u010dioms patikimus ir didelius pirk\u0117jus, papras\u010diau gauti finansavim\u0105 faktoringu. Ta\u010diau b\u016btina akcentuoti, kad \u012fmon\u0117s, kurios dirba i\u0161skirtinai tik su fiziniais asmenimis ar be atid\u0117jimo termin\u0173, faktoringo paslauga, deja, negali pasinaudoti.<\/p>\n

 <\/p>\n

Kokie \u0161i\u0173 finansavim\u0173 pinig\u0173 kainos skirtumai?<\/h2>\n

Alternatyvioje finansavimo rinkoje paskolos istori\u0161kai buvo \u017eymiai \u2013 kelis kartus \u2013 brangesnis finansavimo \u012frankis nei faktoringas. Ta\u010diau per pastaruosius metus keit\u0117si abiej\u0173 produkt\u0173 finansavimo kaina. Be to, tam tikrais atvejais yra galimybi\u0173 paskol\u0173 sutartims pritaikyti pal\u016bkan\u0173 kompensavim\u0105, tad tuomet kaina gali ir nesiskirti.<\/p>\n

Renkantis faktoring\u0105 reik\u0117t\u0173 \u012fsivertinti, kad klientas ne tik moka pal\u016bkanas, bet ir kredito draudimo mokest\u012f. Ta\u010diau \u0161is draudimas suteikia apsaug\u0105, kad net pirk\u0117jui tapus nemokiu ar bankrutavus klientas atgaus l\u0117\u0161as.<\/p>\n

Pavyzd\u017eiui, pernai paskolos kaina svyravo tarp 7\u201312 proc. metini\u0173 pal\u016bkan\u0173. Pritaikius specialias \u201eInvegos\u201c priemones da\u017enas m\u016bs\u0173 klientas papildomai gal\u0117davo kreiptis d\u0117l pal\u016bkan\u0173 kompensavimo ir mok\u0117davo ma\u017eesnes nei 0,5 proc. metines pal\u016bkanas.<\/p>\n

Faktoringo kaina taip pat buvo pana\u0161i: svyravo tarp 5\u201312 proc. metini\u0173 pal\u016bkan\u0173.<\/p>\n

Pal\u016bkan\u0173 dydis priklauso nuo keli\u0173 veiksni\u0173: finansavimo sumos (finansavimui nuo 100.000 Eur taikoma \u017eemutin\u0117 pal\u016bkan\u0173 norma), finansavimo trukm\u0117s, sandorio rizikos klas\u0117s.<\/p>\n

 <\/p>\n

Kokia \u201eFactris\u201c specialist\u0173 praktika d\u0117l \u0161i\u0173 finansavim\u0173?<\/h2>\n

I\u0161siai\u0161kin\u0119 finansavimo besikreipian\u010diojo verslo veikl\u0105, konsultuojame ir teikiame finansavim\u0105 parinkdami finansavimo \u012frankius ir j\u0173 kombinacijas, kurie labiausiai atitinka kliento poreikius ir patiriamus i\u0161\u0161\u016bkius. M\u016bs\u0173 tikslas \u2013 ilgalaikis bendradarbiavimas, tod\u0117l besikreipian\u010diajam visuomet siekiame pasi\u016blyti racional\u0173 sprendim\u0105, kuriuo jis likt\u0173 patenkintas, o atsiradus naujam finansavimo poreikiui \u017einot\u0173, kas jam jau pad\u0117jo ir v\u0117l gali pad\u0117ti tinkamai susidoroti su finansavimo i\u0161\u0161\u016bkiais.<\/p>\n

 <\/p>\n

Kokie finansavimo specialisto patarimai \u012fmon\u0117ms, kurios ruo\u0161iasi rinktis vien\u0105 i\u0161 \u0161i\u0173 finansavim\u0173?<\/h2>\n

Pirmiausia pasiruo\u0161kite reikiamus dokumentus: naujausias finansines ataskaitas, sutart\u012f su u\u017esakovu, kad \u201eFactris\u201c specialistai gal\u0117t\u0173 \u012fvertinti dabartin\u0119 situacij\u0105, galimybes ir potencialias rizikas. Pasidalinkite savo planais, i\u0161\u0161\u016bkiais su m\u016bs\u0173 specialistais, o \u0161ie pad\u0117s \u012fsivertinti ir pasi\u016blys galimus sprendimus, veiksm\u0173 plan\u0105 finansiniams i\u0161\u0161\u016bkiams spr\u0119sti ir tikslams pasiekti.<\/p>\n

 <\/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

[\/et_pb_text][et_pb_button button_url=”\/lt\/finansavimo-kriterijai\/” button_text=”Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”$||divi||400″ button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||||false|false” custom_padding=”||||true|true” global_colors_info=”{}”][\/et_pb_button][et_pb_button button_url=”https:\/\/onboarding.factris.com\/lt\/sign-up” button_text=”Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” button_icon=”$||divi||400″ button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|28px|true|false” global_colors_info=”{}” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”|50px|||true|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Prireikus pinig\u0173 \u017ealiavoms ar \u012frengimams \u012fsigyti, pl\u0117trai ar apyvartini\u0173 l\u0117\u0161\u0173 verslo atstovai ima svarstyti, kok\u012f finansavimo b\u016bd\u0105 pasirinkti. Finans\u0173 specialistai da\u017enai sulaukia verslinink\u0173 klausim\u0173, kuo skiriasi paskola ir faktoringas, kur\u012f ir kada \u012fmon\u0117ms geriau pasirinkti. \u012e \u0161iuos klausimus atsako Gabija Zdanevi\u010dien\u0117, alternatyvaus finansuotojo \u201eFactris\u201c Pardavim\u0173 komandos vadov\u0117.   Kokie \u0161i\u0173 finansavim\u0173 \u2013 faktoringo ir paskolos […]<\/p>\n","protected":false},"author":1,"featured_media":13062,"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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