{"id":20610,"date":"2022-12-13T14:34:20","date_gmt":"2022-12-13T14:34:20","guid":{"rendered":"https:\/\/www.factris.com\/?p=20610"},"modified":"2024-04-03T13:45:26","modified_gmt":"2024-04-03T13:45:26","slug":"edmundas-volskis-verslo-finansavimo-galimybes","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/edmundas-volskis-ar-verslas-turi-galimybiu-saugiai-pereiti-uzminuota-finansavimo-lauka\/","title":{"rendered":"Edmundas Volskis. Ar verslas turi galimybi\u0173 saugiai pereiti \u201eu\u017eminuot\u0105\u201c finansavimo lauk\u0105?"},"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=”{}” header_2_font_size=”27px” sticky_enabled=”0″]<\/p>\n

Did\u0117janti geopolitin\u0117 \u012ftampa, l\u0117t\u0117janti ekonomika, art\u0117janti i\u0161\u0161\u016bki\u0173 pilna \u017eiema verslui pateikia vis daugiau klausim\u0173, kaip i\u0161gyventi. Negana to, Lietuvos bankas pasidalino nerim\u0105 kelian\u010dia informacija, kad pagal bank\u0173 atmest\u0173 finansavimo parai\u0161k\u0173 skai\u010di\u0173 smulkioms ir vidutin\u0117ms verslo (SVV) \u012fmon\u0117ms Lietuva yra absoliuti lyder\u0117 Europos S\u0105jungoje. Daugiau kaip 40% SVV negauna pra\u0161omo finansavimo i\u0161 bank\u0173.<\/h2>\n

Ar pandemijos, karo ir energijos kain\u0173 \u0161uolio \u201eu\u017eminuotame\u201c finansavimo lauke verslas gali rasti saugi\u0173 keli\u0173? Pirmiausia b\u016btina akcentuoti, kad ne tik bankai sugrie\u017etino reikalavimus skolintis norin\u010diam verslui. Ir alternatyv\u016bs finansuotojai \u0117m\u0117 atid\u017eiau vertinti savo klientus.<\/p>\n

Ko imasi alternatyv\u016bs finansuotojai, kad gal\u0117t\u0173 maksimaliai pagelb\u0117ti l\u0117\u0161\u0173 ie\u0161kantiems verslams?<\/h2>\n

Pandemijos prad\u017eioje, kaip ir visas pasaulis, buvo susidurta su dideliu neapibr\u0117\u017etumu. Tod\u0117l pirmiausia buvo per\u017ei\u016br\u0117tas klient\u0173 portfelis ir \u012fvertintas potencialus pandemijos poveikis individualiai kiekvienam esamam klientui bei nustatytos nauj\u0173 klient\u0173 rizikos vertinimo gair\u0117s. Paai\u0161k\u0117jo, kad alternatyvi\u0173 finansuotoj\u0173 klientai sugeb\u0117jo persiorientuoti prie pasikeitusi\u0173 verslo s\u0105lyg\u0173: prisitaik\u0117 prie nuotolinio darbo, sugeb\u0117jo perkelti pardavimus \u012f internetin\u0119 erdv\u0119. I\u0161oriniu finansavimu besinaudojan\u010dios ir dar tik planuojan\u010dios j\u012f gauti \u012fmon\u0117s tur\u0117t\u0173 \u017einoti, kad dabartin\u0117mis s\u0105lygomis rizika vertinama analizuojant ir tarpinius \u012fmoni\u0173 pardavimus bei reguliariai pra\u0161oma pateikti \u012fmon\u0117s veiklos prognozes. Taip pat, atsi\u017evelgiant \u012f \u012fmon\u0117s veiklos sektori\u0173, pa\u010di\u0173 klient\u0173 pra\u0161oma \u012fvertinti pandemijos poveik\u012f j\u0173 veiklos rezultatams.<\/p>\n

I\u0161orinio finansavimo ie\u0161kantiems verslams taip pat svarbu \u017einoti, kad karas Ukrainoje privert\u0117 atid\u017eiau vertinti klientus, kurie dirbo (prekiavo ar tur\u0117jo tiek\u0117j\u0173) Ukrainos, Baltarusijos ir Rusijos rinkose. Pirmiausia yra tikrinami sankcionuoti produktai. Vis\u0173 \u012fmoni\u0173 yra pra\u0161oma pakomentuoti poveik\u012f j\u0173 veiklos rezultatams ir nurodyti veiklos t\u0119stinumo planus \u2013 kei\u010diant tiek\u0117jus ar ie\u0161kant pirk\u0117j\u0173 naujose rinkose. Alternatyv\u016bs finansuotojai i\u0161skirtin\u012f d\u0117mes\u012f skiria gamybos \u012fmon\u0117ms, kurioms energijos ka\u0161tai sudaro didel\u0119 s\u0105naud\u0173 dal\u012f. Vertinama, ar tokios \u012fmon\u0117s pereina (ar artimiausiu metu planuoja tai daryti) prie atsinaujinan\u010di\u0173 energijos i\u0161tekli\u0173, analizuojamos j\u0173 pateiktos prognoz\u0117s ir finans\u0173 atsparumas kylan\u010dioms kainoms.<\/p>\n

Ta\u010diau b\u016btina kalb\u0117ti ir apie tas \u012fmones bei prie\u017eastis, kai finansavim\u0105 atsisakoma suteikti. Statistika rodo, kad nors karas ekonomin\u0119 situacij\u0105 dar labiau komplikavo, \u0161iemet netenkinam\u0173 finansavimo pra\u0161ym\u0173 kiekis suma\u017e\u0117jo 14% palyginti su 2021 m. Analiz\u0117 rodo, kad prie\u017eastys i\u0161lieka tos pa\u010dios: \u012fmon\u0117 ateina nepasiruo\u0161usi veiklos prognozi\u0173, jos finansiniai rodikliai neatitinka reikalavim\u0173 tam tikram produktui, ji nepalaiko aktyvios komunikacijos ir detaliai neapib\u016bdina savo veiklos perspektyv\u0173 ar klientas per daug optimisti\u0161kai vertina savo galimybes. Be to, \u012fmon\u0117s veikla nuostolinga, ji neturi ai\u0161kaus plano, kokius poky\u010dius reikia atlikti norint generuoti peln\u0105. Taip pat finansavim\u0105 atitolina per ma\u017eas akcinink\u0173 \u012fsitraukimas \u012f \u012fmon\u0117s veikl\u0105, netik\u0117jimas \u012fmon\u0117s veiklos perspektyvomis, neigiamas nuosavas kapitalas, negeb\u0117jimas prognozuoti \u012fmon\u0117s veiklos, pinig\u0173 srautus.<\/p>\n

K\u0105 tur\u0117t\u0173 ir gal\u0117t\u0173 padaryti finansavimo pra\u0161an\u010dios \u012fmon\u0117s, kad j\u0173 pra\u0161ymai b\u016bt\u0173 atmetami re\u010diau?<\/h2>\n

Alternatyvus finansuotojas kiekvien\u0105 klient\u0105 vertina individualiai. Ta\u010diau, klientas visada turi ateiti pasiruo\u0161\u0119 nam\u0173 darbus: geb\u0117ti pakomentuoti pasaulini\u0173 veiksni\u0173 poveik\u012f jo veiklos rezultatams, b\u016bti i\u0161analizav\u0119s u\u017esakov\u0173 ir tiek\u0117j\u0173 b\u016bkl\u0119 bei jo veiklos perspektyvas, tur\u0117ti ir pagr\u012fsti tris \u012fmon\u0117s raidos scenarijus (pesimistin\u012f, optimistin\u012f, standartin\u012f) bei pagal tai steb\u0117ti savo veiklos rodiklius.<\/p>\n

Ar verslai sugeb\u0117s atlaikyti ketvirtus \u012ftampos metus?<\/h2>\n

Bus sud\u0117tinga, daug \u012ftakos tur\u0117s valstyb\u0117s sprendimai d\u0117l pagalbos verslui mechanizm\u0173, mokes\u010di\u0173 atid\u0117jimai ir pan. Prognozuojama, kad \u017eiem\u0105 sunkiausi\u0105 laikotarp\u012f i\u0161gyvens ne maisto pramon\u0117s gamybos \u012fmon\u0117s d\u0117l kelis kartus i\u0161augusi\u0173 energijos ir \u0161ildymo ka\u0161t\u0173 bei galutinio vartotojo perkamosios galios suma\u017e\u0117jimo.<\/p>\n

Straipsnis pirm\u0105 kart\u0105 publikuotas \u201eVerslo \u017eini\u0173<\/a>\u201c laikra\u0161tyje (2022 12 01).<\/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

[\/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":"

Did\u0117janti geopolitin\u0117 \u012ftampa, l\u0117t\u0117janti ekonomika, art\u0117janti i\u0161\u0161\u016bki\u0173 pilna \u017eiema verslui pateikia vis daugiau klausim\u0173, kaip i\u0161gyventi. Negana to, Lietuvos bankas pasidalino nerim\u0105 kelian\u010dia informacija, kad pagal bank\u0173 atmest\u0173 finansavimo parai\u0161k\u0173 skai\u010di\u0173 smulkioms ir vidutin\u0117ms verslo (SVV) \u012fmon\u0117ms Lietuva yra absoliuti lyder\u0117 Europos S\u0105jungoje. Daugiau kaip 40% SVV negauna pra\u0161omo finansavimo i\u0161 bank\u0173. Ar pandemijos, karo […]<\/p>\n","protected":false},"author":1,"featured_media":20613,"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

<\/p>\n","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[],"yoast_head":"\nVerslo finansavimo galimyb\u0117s ekonomini\u0173 i\u0161\u0161\u016bki\u0173 laikotarpiu<\/title>\n<meta name=\"description\" content=\"Daugiau kaip 40% SVV negauna pra\u0161omo finansavimo i\u0161 bank\u0173. Ar ekonomini\u0173 i\u0161\u0161\u016bki\u0173 akivaizdoje verslas gali rasti saugi\u0173 keli\u0173 skolintis?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factris.com\/lt\/naujienos\/edmundas-volskis-ar-verslas-turi-galimybiu-saugiai-pereiti-uzminuota-finansavimo-lauka\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Edmundas Volskis. 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