{"id":18343,"date":"2022-08-18T07:14:11","date_gmt":"2022-08-18T07:14:11","guid":{"rendered":"https:\/\/www.factris.com\/?p=18343"},"modified":"2024-04-16T08:11:00","modified_gmt":"2024-04-16T08:11:00","slug":"kaip-skolinasi-verslas-atidumas-kitoks-sekmes-vertinimas-ir-rudenine-pagalve","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kaip-skolinasi-verslas-atidumas-kitoks-sekmes-vertinimas-ir-rudenine-pagalve\/","title":{"rendered":"Kaip skolinasi verslas: atidumas, kitoks s\u0117km\u0117s vertinimas ir rudenin\u0117 pagalv\u0117"},"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_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″ header_2_font_size=”27px”]<\/p>\n

Verslas atid\u017eiau planuoja investicijas ir atsisako t\u0173 projekt\u0173, d\u0117l kuri\u0173 s\u0117km\u0117s suabejoja. Ma\u017e\u0117ja investicini\u0173 paskol\u0173 pl\u0117trai, daug\u0117ja apyvartini\u0173 paskol\u0173, kuri\u0173, finansuotoj\u0173 prognoz\u0117mis, ir toliau daug\u0117s. Dabar gi besiskolinan\u010dios \u012fmon\u0117s finansavimo ie\u0161ko neb\u016btinai aktualiems i\u0161\u0161\u016bkiams spr\u0119sti \u2013 ruo\u0161iasi ir kaupia pagalv\u0119 rudeniui.<\/h2>\n

Alternatyv\u016bs finansuotojai, teikiantys finansavim\u0105 smulkiajam ir vidutiniam verslui, taip pat pagal \u201eInvegos<\/a>\u201c priemones stebi vasar\u0105 augan\u010dias paskol\u0173 sumas ir besikei\u010dian\u010di\u0105 proporcij\u0105: investicines paskolas kei\u010dia apyvartin\u0117s.<\/p>\n

Kaip skolinasi verslas<\/h2>\n

2,5 karto daugiau sutar\u010di\u0173 u\u017e 30% didesn\u0119 sum\u0105 verslas sudar\u0117 ir su alternatyvaus finansavimo bendrove \u201eFactris\u201c.<\/p>\n

\u201eNuotaikos i\u0161 esm\u0117s pozityvios, didelio negatyvo n\u0117ra, klientai patys teiraujasi, ar mes pastebime poky\u010dius rinkoje, ar fiksuojame didesnius v\u0117lavimus, noriai dalijasi savo patirtimi. Beje, investicini\u0173 projekt\u0173 \u2013 vienetai\u201c, \u2013 nurodo Gabija Zdanevi\u010dien\u0117, \u201eFactris\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims.<\/p>\n

Da\u017eniausiai \u012f \u201eFactris\u201c verslas kreipiasi finansavimo, kad atsiskaityt\u0173 su tiek\u0117jais, sumok\u0117t\u0173 mokes\u010dius ar atlyginimus darbuotojams.<\/strong> Ta\u010diau vasar\u0105 matyti poreikis skolintis ir d\u0117l finansin\u0117s pagalv\u0117s sukaupimo \u2013 \u012fmon\u0117s ruo\u0161iasi rudeniui.<\/p>\n

\u201ePastebime, kad klientai ie\u0161ko finansavimo sprendim\u0173 ne tik dabartiniams finansiniams i\u0161\u0161\u016bkiams spr\u0119sti, ta\u010diau ruo\u0161iasi ir rudeniui \u2013 jei \u012fvykt\u0173 turbulencijos rinkoje, prasid\u0117t\u0173 v\u0117lavimai, jie nori tur\u0117ti finansin\u0119 pagalv\u0119, \u2013 sako G. Zdanevi\u010dien\u0117. \u2013 Did\u0117ja klient\u0173 dalis, kurie ie\u0161ko sprendim\u0173 saugiais \u012frankiais, pavyzd\u017eiui, padaug\u0117jo u\u017eklaus\u0173 d\u0117l s\u0105skait\u0173 finansavimo su prekiniu kredito draudimu. Klientai nori b\u016bti u\u017etikrinti, kad, jeigu j\u0173 pirk\u0117jas v\u0117luot\u0173, tapt\u0173 nemokus ar bankrutuot\u0173, suveikt\u0173 draudimo apsauga \u2013 suteikto draudimo limito ribose jie gaut\u0173 i\u0161mokas, kurios dengt\u0173 neapmok\u0117tas s\u0105skaitas.\u201c<\/p>\n

\u201eAlternatyvos\u201c l\u0117\u0161os baig\u0117si<\/h2>\n

Alternatyv\u016bs finansuotojai pa\u017eymi, kad pastaraisiais metais populiariausia buvo \u201eAlternatyvos\u201c programa \u2013 \u012fmon\u0117s vis dar kreipiasi d\u0117l \u0161i\u0173 lengvatini\u0173 paskol\u0173. Bir\u017eel\u012f \u201eInvega\u201c prat\u0119s\u0117 \u201eAlternatyvos\u201c skolinimosi termin\u0105 iki 2023 m. gruod\u017eio 31 d. Iki tol nuo priemon\u0117s atsiradimo 2020 m. buvo suteikta beveik 2.700 paskol\u0173 u\u017e 140 mln. Eur.<\/p>\n

Ta\u010diau \u201eInvegos\u201c finans\u0173 tarpininkai l\u0117\u0161as jau i\u0161skolino ir gali suteikti finansavim\u0105 nebent i\u0161 gr\u012f\u017etan\u010di\u0173 pinig\u0173 u\u017e jau i\u0161duotas paskolas, tik tokios galimyb\u0117s \u2013 ma\u017eesn\u0117s negu poreikis.<\/p>\n

\u201eAlternatyvos\u201c populiarumas vis dar labai didelis, u\u017eklaus\u0173 d\u0117l finansavimo pagal j\u0105 sulaukiame kiekvien\u0105 savait\u0119. Priemon\u0117s prat\u0119simas sveikintinas \u2013 finansuotojai per ilgesn\u012f laik\u0105 gal\u0117s suteikti finansavim\u0105 didesniam klient\u0173 ratui, bet svarbu akcentuoti \u201elaik\u0105\u201c \u2013 dabar i\u0161 priemon\u0117s prat\u0119simo verslo atstovai naudos nelabai gauna. Mat net apie 99% l\u0117\u0161\u0173 i\u0161 \u0161io fondo yra \u012fdarbintos, o kas m\u0117nes\u012f j\u0173 gr\u012f\u017eta ribotas kiekis\u201c, \u2013 nurodo G. Zdanevi\u010dien\u0117, \u201eFactris\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims.<\/p>\n

Jos teigimu, didesni gr\u0105\u017einimai i\u0161 jau i\u0161skolint\u0173 pinig\u0173 numatomi 2023 m. Tada, yra didesn\u0117 tikimyb\u0117, finansavimas pagal \u201eAlternatyv\u0105\u201c bus suteiktas daugiau smulki\u0173j\u0173 ir vidutini\u0173 versl\u0173.<\/p>\n

\u012emokas moka laiku<\/h2>\n

Nepaisant nuotaik\u0173 rinkoje, alternatyv\u016bs finansuotojai nurodo, kad \u017eenkli\u0173 klient\u0173 v\u0117lavim\u0173 atsiskaityti u\u017e finansavim\u0105 nefiksuoja. \u012e \u201eFactris\u201c pastaruoju metu kreip\u0117si tik vienas su sunkumais atsiskaityti susid\u016br\u0119s klientas \u2013 j\u012f paveik\u0117 karas Ukrainoje ir jis pats kreip\u0117si \u012f kreditori\u0173.<\/p>\n

\u201eD\u0117l karo Ukrainoje nutr\u016bko tiekimas, rasti nauj\u0173 tiek\u0117j\u0173 u\u017etruko ilgiau, nei tik\u0117tasi. Ta\u010diau pats klientas \u2013 disciplinuotas, pro-aktyvus, skaidriai ir ai\u0161kiai bendrauja su kreditoriumi ir vykdo pa\u017eadus. Malonu dirbti su klientais, kurie \u012ftvirtina savo reputacij\u0105 gerais verslo sprendimais, nesiekia pagra\u017einti ar nusl\u0117pti situacijos\u201c, \u2013 nurodo G. Zdanevi\u010dien\u0117, \u201eFactris\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims.<\/p>\n

Kas vertinama atid\u017eiau<\/h2>\n

Lanks\u010diau nei bankai klientus vertinantys alternatyv\u016bs finansuotojai br\u016bk\u0161nio neu\u017ebr\u0117\u017eia \u2013 kiekvienas atvejis vertinamas individualiai.<\/p>\n

\u201eFactris\u201c nurodo, kad net ir rizikinguose sektoriuose \u2013 statybos, keli\u0173 tiesimo, transporto \u2013 stengiasi neriboti skolinimo ir suteikti apyvartini\u0173 l\u0117\u0161\u0173.<\/p>\n

\u201eEkonominei situacijai prast\u0117jant, atid\u017eiau vertiname klient\u0105: tikriname \u012fmon\u0117s vadovus ir akcininkus, j\u0173 patirt\u012f veikiant didesn\u0117s rizikos s\u0105lygomis, pl\u0117tros planus, plan\u0173 realum\u0105\u201c, \u2013 nurodo G. Zdanevi\u010dien\u0117, \u201eFactris\u201c atstov\u0117.<\/p>\n

Pla\u010diau – \u201eVerslo \u017einios<\/a>\u201c straipsnyje.<\/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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Verslas atid\u017eiau planuoja investicijas ir atsisako t\u0173 projekt\u0173, d\u0117l kuri\u0173 s\u0117km\u0117s suabejoja. Ma\u017e\u0117ja investicini\u0173 paskol\u0173 pl\u0117trai, daug\u0117ja apyvartini\u0173 paskol\u0173, kuri\u0173, finansuotoj\u0173 prognoz\u0117mis, ir toliau daug\u0117s. Dabar gi besiskolinan\u010dios \u012fmon\u0117s finansavimo ie\u0161ko neb\u016btinai aktualiems i\u0161\u0161\u016bkiams spr\u0119sti \u2013 ruo\u0161iasi ir kaupia pagalv\u0119 rudeniui. Alternatyv\u016bs finansuotojai, teikiantys finansavim\u0105 smulkiajam ir vidutiniam verslui, taip pat pagal \u201eInvegos\u201c priemones stebi […]<\/p>\n","protected":false},"author":1,"featured_media":18344,"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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