{"id":21897,"date":"2023-01-30T08:59:14","date_gmt":"2023-01-30T08:59:14","guid":{"rendered":"https:\/\/www.factris.com\/?p=21897"},"modified":"2024-04-03T13:31:01","modified_gmt":"2024-04-03T13:31:01","slug":"kokie-sprendimai-uztikrina-apyvartini-kapitala","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/atsiskaitymai-ilgeja-blogos-skolos-dideja-kokie-sprendimai-uztikrina-apyvartini-kapitala\/","title":{"rendered":"Atsiskaitymai ilg\u0117ja, blogos skolos did\u0117ja: kokie sprendimai u\u017etikrina apyvartin\u012f kapital\u0105?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_font_size=&#8221;27px&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><em>\u0160ar\u016bnas Knie\u017ea, alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c vyr. rizik\u0173 analitikas<\/em>\u00a0<\/p>\n<h2><strong>Analizuojant naujausi\u0105 bendr\u0105 ekonomin\u0119 situacij\u0105 Lietuvoje ir kitose Europos S\u0105jungos (ES) bei euro zonos \u0161alyse pastebimas ekonominio aktyvumo silpn\u0117jimas.<\/strong><\/h2>\n<p><strong><\/strong><\/p>\n<p>I\u0161 vienos pus\u0117s, turime teigiam\u0105 veiksn\u012f \u2013 ger\u0117ja tiekimo grandies situacija \u012fmon\u0117ms atsigaunant po patirto \u0161oko d\u0117l COVID-19 pandemijos ir karo Ukrainoje. \u012emon\u0117s <span><a href=\"https:\/\/www.factris.com\/lt\/naujienos\/edmundas-volskis-ar-verslas-turi-galimybiu-saugiai-pereiti-uzminuota-finansavimo-lauka\/\">sustyguoja ry\u0161ius su naujais tiek\u0117jais<\/a><\/span> arba atranda kitus kelius, kaip dirbti su esamais tiek\u0117jais Rytuose. Ta\u010diau pastebimai blog\u0117ja \u012fmoni\u0173 bei vartotoj\u0173 nuotaikos d\u0117l besilaikan\u010dios auk\u0161tos infliacijos ir auk\u0161t\u0173 energijos kain\u0173. Tod\u0117l ma\u017e\u0117ja vartotoj\u0173 perkamoji galia ir auga \u012fmoni\u0173 i\u0161laidos.<\/p>\n<p>Remiantis ES statistikos tarnybos <span><a href=\"https:\/\/ec.europa.eu\/eurostat\/documents\/2995521\/15544318\/4-05122022-AP-EN.pdf\/261517e0-d7c5-e610-ae71-ace01bc2e777?t=1669996925004\">\u201eEurostat\u201c naujausiais duomenimis<\/a><\/span>, ir visoje Europoje, ir m\u016bs\u0173 \u0161alyje fiksuotas ma\u017emenin\u0117s prekybos apim\u010di\u0173 kritimas. 2022 m. spal\u012f, palyginti su rugs\u0117ju, ma\u017emenin\u0117 prekyba Lietuvoje susitrauk\u0117 1%, kai m\u0117nes\u012f prie\u0161 augo 0,7%. Euro zonoje \u0161is rodiklis smuko 1,8% (laukta 1,7% kritimo), o ES \u2013 1,7%, kai rugs\u0117j\u012f augimas ir euro zonoje, ir ES siek\u0117 po 0,8%. Dar didesni ma\u017emenin\u0117s prekybos kritimai skai\u010diuojami, kai 2022 m. spal\u012f lygini su 2021 m. spalio m\u0117nesiu: Lietuvoje -3%, euro zonoje -2,7%, o ES -2,4%.<\/p>\n<p>\u201eEurostat\u201c duomenims antrina ir bendrov\u0117 <span><a href=\"https:\/\/group.atradius.com\/\">\u201eAtradius\u201c<\/a><\/span>, kuri teikia prekybos kredit\u0173 draudimo, laidavimo ir inkaso paslaugas visame pasaulyje. Jos 2022 m. paskutinio ketvir\u010dio prad\u017eioje atlikta Ryt\u0173 Europos verslo atstov\u0173 (1.279 respondent\u0173) apklausa atskleid\u0117 kelet\u0105 ni\u016br\u0173 ekonomikos prognozi\u0173.<\/p>\n<p>\u012emon\u0117s vis da\u017eniau susiduria su verslo sektoriaus pirk\u0117j\u0173 (B2B) nemokumo problemomis \u2013 net 43% respondent\u0173 nurod\u0117, jog per pastaruosius 12 m\u0117nesi\u0173 pailg\u0117jo pirk\u0117j\u0173 atskaitymo terminas. Be to, jei 2021 m. blog\u0173 skol\u0173 dalis pardavimuose sudar\u0117 5%, tai 2022 m. jau siekia 6%. Tarp pagrindini\u0173 atskaitym\u0173 v\u0117lavimo prie\u017eas\u010di\u0173 \u2013 pirk\u0117jo likvidumas (42% respondent\u0173) bei ty\u010dinis v\u0117lavimas (22%). Dar sud\u0117tingesn\u0117 situacija prognozuojama ateityje. Beveik pus\u0117 (48%) apklaust\u0173 \u012fmoni\u0173 prognozuoja, jog atsiskaitymo terminas (angl. <em>Days Sales Outstanding<\/em>, DSO) per ateinan\u010dius 12 m\u0117nesi\u0173 tik ilg\u0117s.<\/p>\n<p><span><a href=\"https:\/\/www.factris.com\/lt\/\">\u201eFactris\u201c<\/a><\/span> analitikai taip pat pastebi v\u0117luojan\u010di\u0173 mok\u0117jim\u0173 tendencij\u0105, kai pirk\u0117jai ilgina atsiskaitymo terminus, ir antrina apklausai: da\u017eniausia toki\u0173 v\u0117lavim\u0173 prie\u017eastis \u2013 pirk\u0117jo mokumo problemos. Pavyzd\u017eiui, pirk\u0117jas dirba keliuose dideliuose projektuose, o mok\u0117jimai u\u017e \u010dia atliktus darbus stringa. D\u0117l to mok\u0117jim\u0173 sutrikim\u0173 grandin\u0117 nusit\u0119sia \u012f mok\u0117jimus tiek\u0117jams \u2013 sukuriamas gri\u016bvan\u010dio kort\u0173 namelio efektas.<\/p>\n<p>Vadinasi, \u0161iuo metu \u012fmon\u0117s ypa\u010d atid\u017eiai turi \u012fsivertinti situacij\u0105 d\u0117l bendradarbiavimo su verslo partneriais ir j\u0173 galimybes atsiskaityti laiku. Ir, be abejo, atsid\u0117ti daugiau pinig\u0173 siekiant u\u017etikrinti savalaikius mok\u0117jimus ir verslo t\u0119stinum\u0105.<\/p>\n<p>O jei pati \u012fmon\u0117 susiduria su apyvartinio kapitalo problemomis, galimi keli sprendimai. Pavyzd\u017eiui, pasinaudojus <span><a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">faktoringo paslauga<\/a><\/span> vietoje 30 ar net pasitaikan\u010di\u0173 120 dien\u0173 atid\u0117jimo pinigus gauti i\u0161kart, kai tik i\u0161ra\u0161oma s\u0105skaita. Taip pat vis da\u017eniau verslo atsiskaitymuose \u012fmon\u0117s naudojasi faktoringu su draudimu paslauga. Pasirinkusi tok\u012f sprendim\u0105 bendrov\u0117 laimi dvigubai: ir apmok\u0117jim\u0105 u\u017e i\u0161ra\u0161yt\u0105 s\u0105skait\u0105 gauna per dien\u0105 ar kelias, ir nesijaudina d\u0117l pirk\u0117jo mokumo, nes visos <span><a href=\"https:\/\/www.factris.com\/lt\/prekinio-kredito-draudimas\/\">gautinos sumos yra apdraud\u017eiamos<\/a><\/span>.<\/p>\n<p><em>Nuomon\u0117 pirm\u0105 kart\u0105 publikuota <\/em><span><a href=\"https:\/\/www.vz.lt\/laikrastis\"><em>\u201eVerslo \u017einios\u201c laikra\u0161tyje<\/em><\/a><\/span><em> 2023 m. sausio 19 d.<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; 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_module_preset=&#8221;default&#8221; custom_padding=&#8221;||||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|28px|true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0160ar\u016bnas Knie\u017ea, alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c vyr. rizik\u0173 analitikas\u00a0 Analizuojant naujausi\u0105 bendr\u0105 ekonomin\u0119 situacij\u0105 Lietuvoje ir kitose Europos S\u0105jungos (ES) bei euro zonos \u0161alyse pastebimas ekonominio aktyvumo silpn\u0117jimas. I\u0161 vienos pus\u0117s, turime teigiam\u0105 veiksn\u012f \u2013 ger\u0117ja tiekimo grandies situacija \u012fmon\u0117ms atsigaunant po patirto \u0161oko d\u0117l COVID-19 pandemijos ir karo Ukrainoje. \u012emon\u0117s sustyguoja ry\u0161ius su naujais [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sprendimai apyvartinio kapitalo u\u017etikrinimui, kai atsiskaitymai ilg\u0117ja<\/title>\n<meta name=\"description\" content=\"\u012emon\u0117s sustyguoja darb\u0105 su naujais tiek\u0117jais, ta\u010diau ma\u017e\u0117ja vartotoj\u0173 perkamoji galia ir auga \u012fmoni\u0173 i\u0161laidos.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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