{"id":20105,"date":"2022-11-23T09:48:52","date_gmt":"2022-11-23T09:48:52","guid":{"rendered":"https:\/\/www.factris.com\/?p=20105"},"modified":"2024-04-03T14:02:31","modified_gmt":"2024-04-03T14:02:31","slug":"lanksti-ir-klientu-poreikius-atitinkanti-finansavimo-partneryste","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/lanksti-ir-klientu-poreikius-atitinkanti-finansavimo-partneryste\/","title":{"rendered":"\u201eFactris\u201c tikslas \u2013 lanksti ir klient\u0173 poreikius atitinkanti finansavimo partneryst\u0117"},"content":{"rendered":"

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Faktoringas ar kredito linija suteikia verslui l\u0117\u0161\u0173 apyvartiniam kapitalui ar investicijoms per vien\u0105 dien\u0105, automatinis gautin\u0173 sum\u0173 ir skol\u0173 administravimas leid\u017eia susitelkti \u012f verslo pl\u0117tr\u0105, o prekinis kredito draudimas apsaugo gautinas sumas nuo klient\u0173 nemokumo bei u\u017etikrina, kad atgausite savo pinigus, \u2013 sako faktoringo ir susijusias paslaugas teikian\u010dios UAB \u201eFactris LT1\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims Gabija Zdanevi\u010dien\u0117.<\/h2>\n

Faktoringo<\/a><\/span> paslauga savo viet\u0105 rinkoje greitai surado tod\u0117l, kai egzistuojan\u010dios kreditavimo sistemos nesprend\u0117 ar negal\u0117jo i\u0161spr\u0119sti daliai \u012fmoni\u0173, ypa\u010d smulkaus ir vidutinio verslo (SVV), kylan\u010dio finansini\u0173 resurs\u0173 poreikio bei sugeb\u0117jo palankesn\u0117mis s\u0105lygomis<\/a><\/span> pasi\u016blyti verslo kreditavimo instrumentus.<\/p>\n

U\u017estato nereikalaujantis SVV finansavimo \u012frankis<\/h2>\n

Pasak G. Zdanevi\u010dien\u0117s, faktoringas yra s\u0105lyginai saugus finansavimo \u012frankis, kurio pagalba finansuotojas klientui gali suteikti apyvartini\u0173 l\u0117\u0161\u0173 finansavim\u0105, nereikalaujant i\u0161 kliento u\u017estatini\u0173 pozicij\u0173 \u2013 nekilnojamo turto, \u012frangos ar atsarg\u0173 \u012fkeitimo. Tai ypa\u010d aktualu, kai klientas yra jauna \u012fmon\u0117. \u201eTurime \u012fvairaus dyd\u017eio \u012fvairiuose sektoriuose dirban\u010di\u0173 klient\u0173, da\u017eniausiai tai ma\u017eos ir vidutin\u0117s \u012fmon\u0117s. Ta\u010diau turime ir labai ma\u017e\u0173, kurios savo veikl\u0105 vykdo tik pus\u0119 met\u0173, ir stambi\u0173 \u012fmoni\u0173, kurios naudojasi m\u016bs\u0173 paslaugomis kaip \u201efinansine pagalve\u201c, kai neu\u017etenka turim\u0173 finansavimo limit\u0173 banke. M\u016bs\u0173 finansuojami veiklos sektoriai yra transporto bei logistikos, statyb\u0173, gamybos ir didmenin\u0117s prekybos bei kiti\u201c, \u2013 sak\u0117 \u201eFactris\u201c<\/a><\/span> atstov\u0117.<\/p>\n

Kod\u0117l naudinga ir kada reikalinga?<\/h2>\n

G.Zdanevi\u010dien\u0117s teigimu, faktoringas<\/a><\/span> kaip produktas suteikia ne tik finansavim\u0105, bet ir kredito draudimo apsaug\u0105 nuo pirk\u0117j\u0173 nemokumo ir (ar) bankroto, skol\u0173 valdymo paslaug\u0105. Yra klient\u0173, kurie faktoring\u0105 renkasi ne tiek d\u0117l finansavimo, kiek d\u0117l draudimo bei skol\u0173 valdymo paslaugos. I\u0161 esm\u0117s, faktoringo paslauga gali b\u016bti naudinga visiems B2B (verslas \u2013 verslui, angl. business to business<\/em>) principu veikiantiems verslams, kurie dirba su apmok\u0117jim\u0173 atid\u0117jimais ir nori savo gautinas sumas apsaugoti.<\/p>\n

\u201eKalbant apie tai, kuriems verslams faktoringo paslauga gali b\u016bti reikalingiausia, \u2013 tai individualus verslininko sprendim\u0173 ir sugeb\u0117jim\u0173 valdyti finansinius srautus rezultatas. Jei verslininkas sugeba i\u0161laviruoti ir suderinti, kad jo pirk\u0117jai atsiskaityt\u0173 greitai ar i\u0161kart, o su tiek\u0117jais sutaria ilgus atid\u0117jimo terminus, tada poreikio faktoringo paslaugai n\u0117ra. Ta\u010diau, su augan\u010dia infliacija, energetikos kain\u0173 \u0161uoliais, tokias s\u0105lygas suderinti ir i\u0161laikyti verslams vis sud\u0117tingiau, nesvarbu, kuriam sektoriui bepriklausyt\u0173\u201c,\u2013 sak\u0117 \u201eFactris\u201c atstov\u0117.<\/p>\n

\u201eFaktoringo paslauga gali b\u016bti naudinga visiems B2B principu veikiantiems verslams, kurie dirba su apmok\u0117jim\u0173 atid\u0117jimais ir nori savo gautinas sumas apsaugoti.\u201c<\/p>\n

Kai tr\u016bksta apyvartini\u0173 l\u0117\u0161\u0173<\/h2>\n

\u201eFactris\u201c<\/a><\/span> gali pateikti daugyb\u0119 atvej\u0173<\/a><\/span>, kai j\u0173 teikiamos paslaugos pad\u0117jo \u012fmon\u0117ms i\u0161spr\u0119sti apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumo ir atsiskaitym\u0173 administravimo sunkumus. Pavyzd\u017eiui, perve\u017eimais u\u017esiiman\u010diai bendrovei ilg\u0105 laik\u0105 reik\u0117jo mok\u0117ti papildom\u0105 mokest\u012f u\u017e greitesn\u012f atsiskaitym\u0105 su vienu i\u0161 pagrindini\u0173 u\u017esakov\u0173. Faktoringo paslauga \u012fmon\u0117 u\u017esitikrino \u0161io u\u017esakovo s\u0105skait\u0173 finansavim\u0105 per vien\u0105 dien\u0105 bei suma\u017eino s\u0105skaitos finansavimo i\u0161laidas 3 kartus. Tai leido \u012fmonei sutaupyti kelias de\u0161imtis t\u016bkst. eur\u0173 per metus. Lygiagre\u010diai \u012fmonei suteikta ir kredito linija, kuri leido u\u017etikrinti savalaikius atsiskaitymus su tiek\u0117jais bei darbuotojais.<\/p>\n

Kitas pavyzdys \u2013 auganti prekybin\u0117 \u012fmon\u0117, kuri susid\u016br\u0117 su apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumu. I\u0161band\u017eiusi faktoring\u0105<\/a><\/span> su vienu i\u0161 debitori\u0173, netrukus \u012f faktoringo sutart\u012f \u012ftrauk\u0117 dar vien\u0105 u\u017esakov\u0105, taip papildydama apyvartini\u0173 l\u0117\u0161\u0173 rezerv\u0105. \u012emonei pasi\u016blytas atvirk\u0161tinis faktoringas tiek\u0117j\u0173 s\u0105skait\u0173 finansavimui per 3 dienas i\u0161sprend\u0117 konkret\u0173 poreik\u012f tiekimo u\u017esakymui, taip pat u\u017etikrino finansin\u0119 pagalb\u0105 ir galimyb\u0119 finansuoti tiek\u0117j\u0173 s\u0105skaitas.<\/p>\n

Pinig\u0173 \u201eu\u017e\u0161aldymas\u201c atid\u0117jimais \u2013 gr\u0117sm\u0117 konkurencingumui<\/span><\/p>\n

Su apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumu da\u017enai susiduria \u012fmon\u0117s i\u0161 \u012fvairi\u0173 sektori\u0173. Tarkime, vienas i\u0161 nauj\u0173 \u201eFactris\u201c klient\u0173 \u2013 medienos pramon\u0117je veikianti bendrov\u0117. \u0160iame sektoriuje da\u017eniausiai tiek\u0117jai reikalauja i\u0161ankstinio apmok\u0117jimo, o u\u017esakovai \u2013 30-60 dien\u0173 atid\u0117jimo. \u201eFactris\u201c klientas ilg\u0105 laik\u0105 buvo priverstas daryti i\u0161ankstinius apmok\u0117jimus net ir stingant apyvartini\u0173 l\u0117\u0161\u0173. Faktoringas<\/a><\/span> pad\u0117jo jam sureguliuoti apyvartini\u0173 l\u0117\u0161\u0173 srautus, u\u017esitikrinti tiekim\u0105 palankesn\u0117mis kainomis ir apdoroti didesnius u\u017esakymus.<\/p>\n

Pastaruoju metu da\u017enai apyvartini\u0173 l\u0117\u0161\u0173 \u012fmon\u0117ms pradeda stigti d\u0117l padid\u0117jusi\u0173 i\u0161laid\u0173 \u017ealiavoms bei energijos kain\u0173. Norint u\u017esitikrinti i\u0161likim\u0105 rinkoje, l\u0117\u0161\u0173 prireikia vis grei\u010diau nei jos sugr\u012f\u017eta u\u017e parduotas prekes ar suteiktas paslaugas. Faktoringo paslauga b\u016btent ir suteikia prana\u0161um\u0105, nes kai apmok\u0117tinos sumos \u012fmon\u0119 pasiekia laiku, jos gali b\u016bti panaudotos stabiliam \u012fmon\u0117s funkcionavimui ar kitiems svarbiems verslui tikslams.<\/p>\n

Profesionali, strukt\u016bruota, sisteminga pagalba<\/h2>\n

Pasak \u201eFactris\u201c pardavim\u0173 Baltijos \u0161alims vadov\u0117s, renkantis faktoringo paslaug\u0105 yra atliekama kliento pirk\u0117j\u0173 patikra, j\u0173 vertinimas. Jei kliento pirk\u0117jas stiprus, su tokiu pirk\u0117ju klientas gali dirbti didesn\u0117mis apimtimis, su ilgesniais mok\u0117jim\u0173 atid\u0117jimais. \u012evertinus, kad kliento pirk\u0117jas yra silpnesnis, jau patiriantis sunkum\u0173 d\u0117l mokumo, \u201eFactris\u201c<\/a><\/span> klientui \u2013 tai signalas pasverti ar potenciali darbo su tokiu pirk\u0117ju komercin\u0117 nauda yra didesn\u0117 nei potenciali rizika d\u0117l tokio pirk\u0117jo nemokumo ir galimo bankroto.
\u201eKai apmok\u0117tinos sumos \u012fmon\u0119 pasiekia laiku, jos gali b\u016bti panaudotos stabiliam \u012fmon\u0117s funkcionavimui ar kitiems svarbiems verslui tikslams.\u201c<\/p>\n

\u201eDa\u017enu atveju SVV neturi didel\u0117s komandos ir resurs\u0173 atlikti savo pirk\u0117j\u0173 analiz\u0119, vertinim\u0105 ir monitoring\u0105. Tokius nam\u0173 darbus u\u017e klient\u0105 gali atlikti \u201eFactris\u201c. Sudarius faktoringo<\/a><\/span> sutart\u012f, faktoringuojami pirk\u0117jai \u012ftraukiami \u012f monitoringo s\u0105ra\u0161\u0105 ir yra atitinkamai stebimi. Jei yra fiksuojama neigiama informacija apie juos, j\u0173 v\u0117luojan\u010dius mok\u0117jimus, \u0161i informacija yra perduodama klientui,\u201c \u2013 sak\u0117 specialist\u0117.<\/p>\n

\u201eFactris\u201c atstov\u0117s teigimu, kliento pirk\u0117j\u0173 kredito draudimo vertinimas atliekamas vienoje i\u0161 auk\u0161\u010diausi\u0173 patikimumo reiting\u0105 turin\u010di\u0173 tarptautin\u0117je \u201eAtradius\u201c draudimo bendrov\u0117je. Jei pirk\u0117jas gauna draudim\u0105, visuomet rekomenduoja rinktis faktoring\u0105 su draudimu \u2013 jei \u012fvykt\u0173 draudiminis \u012fvykis, suveikt\u0173 draudimo mechanizmas, apsaugantis kliento gautin\u0105 sum\u0105.<\/p>\n

Skol\u0173 valdymas ir apsauga nuo pirk\u0117j\u0173 nemokumo<\/h2>\n

\u201eEsame tur\u0117j\u0119 pavyzd\u017ei\u0173, kai pirk\u0117jams tapus nemokiais, klientai tur\u0117jo pasinaudoti draudimo apsauga. Taip pat tur\u0117jome patir\u010di\u0173, kai klientai draudimo apsaugos netur\u0117jo ir jiems teko vis\u0105 nuostol\u012f prisiimti sau. Po tokios patirties jie pakeit\u0117 savo veiklos politik\u0105 \u2013 visus esamus ir naujus pirk\u0117jus tikrinasi su m\u016bs\u0173 pagalba ir dirba su tais pirk\u0117jais tik gaut\u0173 draudimo limit\u0173 ribose\u201c, \u2013 sak\u0117 G. Zdanevi\u010dien\u0117.<\/p>\n

Pasak jos, \u201eFactris\u201c teikia skol\u0173 valdymo paslaug\u0105. Veikia atskiras skyrius, kuris dirba tam, kad u\u017etikrint\u0173, jog kliento pirk\u0117jai apmok\u0117t\u0173 kliento s\u0105skaitas laiku, o jei atsiranda v\u0117lavimas, kryptingai dirba, kad gautina suma b\u016bt\u0173 pirk\u0117jo kuo grei\u010diau padengta.<\/p>\n

\u201eReziumuojant, \u012f faktoringo<\/a><\/span> paslaug\u0105 \u012feina finansavimo, pirk\u0117j\u0173 vertinimo ir steb\u0117jimo, skol\u0173 valdymo paslauga ir, \u017einoma, kiekvienas \u201eFactris\u201c klientas turi savo vadybinink\u0105, su kuriuo gali pasitarti visais verslo finansavimo klausimais,\u201c \u2013 apibendrino \u201eFactris\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims.<\/p>\n

\u201eFactris\u201c \u2013 tvarus ir patikimas verslo finansinis partneris<\/h2>\n

G. Zdanevi\u010dien\u0117s teigimu, pagrindinis \u201eFactris\u201c tikslas – b\u016bti tvariu ir patikimu finansavimo partneriu, kad klientas gaut\u0173 jo poreikius atitinkan\u010dius ir lanks\u010dius sprendimus, u\u017etikrinant skaidr\u0173, lengv\u0105 ir pozityv\u0173 bendravim\u0105 bei bendradarbiavim\u0105.<\/p>\n

\u201eFactris\u201c komandoje dirba savo srities profesionalai \u2013 specialistai, kurie ir yra pagrindinis \u012fmon\u0117s variklis, u\u017etikrinantis, kad \u0161is tikslas b\u016bt\u0173 \u012fgyvendintas.<\/p>\n

\u201eSuprantama, prie viso \u0161ito prisideda m\u016bs\u0173 sukurti technologiniai sprendimai \u2013 savitarnos finansavimo platforma, kuri leid\u017eia klientams valdyti informacij\u0105 apie finansavim\u0105 realiu laiku, tvar\u016bs ry\u0161iai su fondais bei partneriais, tokiais kaip tarptautiniu mastu veikianti draudimo bendrov\u0117 \u201eAtradius\u201c ar UAB \u201eInvesticij\u0173 ir verslo garantijos\u201c (INVEGA)\u201c. Visa tai leid\u017eia u\u017etikrinti \u201eFactris\u201c klientams nenutr\u016bkstam\u0105 finansavim\u0105, o \u201eFactris\u201c taikomi finansavimo instrumentai suteikia saugumo ir konkurencinio prana\u0161umo rinkoje\u201c, \u2013 apibendrina G. Zdanevi\u010dien\u0117.<\/p>\n

Straipsnis pirm\u0105 kart\u0105 publikuotas <\/em>15min.lt<\/em><\/a><\/span><\/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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Faktoringas ar kredito linija suteikia verslui l\u0117\u0161\u0173 apyvartiniam kapitalui ar investicijoms per vien\u0105 dien\u0105, automatinis gautin\u0173 sum\u0173 ir skol\u0173 administravimas leid\u017eia susitelkti \u012f verslo pl\u0117tr\u0105, o prekinis kredito draudimas apsaugo gautinas sumas nuo klient\u0173 nemokumo bei u\u017etikrina, kad atgausite savo pinigus, \u2013 sako faktoringo ir susijusias paslaugas teikian\u010dios UAB \u201eFactris LT1\u201c pardavim\u0173 vadov\u0117 Baltijos \u0161alims […]<\/p>\n","protected":false},"author":1,"featured_media":20106,"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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