{"id":22437,"date":"2023-03-21T14:41:12","date_gmt":"2023-03-21T14:41:12","guid":{"rendered":"https:\/\/www.factris.com\/?p=22437"},"modified":"2024-05-16T12:35:47","modified_gmt":"2024-05-16T12:35:47","slug":"factris-nemokiu-paskolu-dalis-sumazejo-10-kartu","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/","title":{"rendered":"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173"},"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” global_colors_info=”{}”]<\/p>\n

Pastaruoju metu vis da\u017eniau ir garsiau kalbama, kad daug\u0117ja nemoki\u0173 verslo klient\u0173 ir did\u0117ja j\u0173 skolos. Ta\u010diau faktai rodo, kad tokia tendencija n\u0117ra visuotin\u0117.<\/h2>\n

Atsakingas verslas \u0161ias kalbas pagr\u012fstai neigia. \u0160tai alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus, \u012f kuriuos patenka ir pandemijos, ir energijos kain\u0173 \u0161uolio i\u0161\u0161\u016bkiai, suma\u017e\u0117jo beveik 10 kart\u0173. Jei 2019 m. \u0161is rodiklis sudar\u0117 0,771 proc., tai 2022 m. \u2013 vos 0,08 proc., nors faktoringo apyvarta pernai gerokai i\u0161augo. Regint toki\u0105 teigiam\u0105 nemoki\u0173 paskol\u0173 dinamik\u0105, kuri yra prie\u0161inga \u0161iandien vyraujan\u010diai nuomonei, kyla klausimas: kas l\u0117m\u0117, kad dalis versl\u0173 vis tik atsakingai ir realiai vertina savo skolinimosi galimybes, o skolas gali gr\u0105\u017einti laiku? Nors pandemijos ir energijos kain\u0173 pasiutpolk\u0117s poveikis \u012ftakos turi beveik visiems verslams ir skolininkams.<\/p>\n

Rizikos vertinimas \u2013 be jausm\u0173 ir su dirbtiniu intelektu<\/strong><\/h2>\n

Pirmiausia, matyt, prie\u017eas\u010di\u0173 reikia prad\u0117ti ie\u0161koti \u201esavo dar\u017ee\u201c. Visos finansavimo besikreipian\u010dios \u012fmon\u0117s pereina jau kelinti metai naudojam\u0105 joki\u0173 jausm\u0173 neturin\u010di\u0105 rizikos vertinimo sistem\u0105, paremt\u0105 dirbtinio intelekto (angl. Artificial Intelligence<\/em>, AI) sprendimais. Tai padeda ir pa\u010dioms finansavimo ie\u0161kan\u010dioms \u012fmon\u0117ms geriau \u012fvertinti savo galimybes skolintis bei ateityje i\u0161vengti galim\u0173 skolos gr\u0105\u017einimo v\u0117lavim\u0173 ir su tuo susijusios d\u0117m\u0117s reputacijai.<\/p>\n

Taigi, sugeb\u0117jus pasirinkti tinkamiausi\u0105 rizikos vertinimo strategij\u0105 ir j\u0105 integravus \u012f kasdien\u0119 veikl\u0105 padedi ne tik savo finansavimo veiklai, bet ir klientams realiau vertinti savo verslo perspektyvas. Tai leid\u017eia tinkamai nusp\u0117ti finansuojamos \u012fmon\u0117s atsiskaitymo tikimyb\u0119, v\u0117lavimo rodiklius, suma\u017eina rizikos dedam\u0105j\u0105 klientams, optimizuoja kainodar\u0105 bei pagreitina kredito rizikos vertinimo sprendim\u0105 ne dienomis, o valandomis. To rezultatas \u2013 stipriai suma\u017e\u0117jusi nemoki\u0173 paskol\u0173 dalis, kuri 2022 m. sudar\u0117 apie 0,08\u00a0proc. nuo beveik 120 mln. eur\u0173 faktoringo<\/a> apyvartos, 2021 m. \u2013 0,024\u00a0proc. nuo 92,5 mln. eur\u0173, 2020 m. \u2013 0,188\u00a0proc. nuo 76,4 mln. eur\u0173, o 2019 m. \u2013 0,771\u00a0proc. nuo 63,4 mln. eur\u0173.<\/p>\n

Kod\u0117l svarbu \u012fmonei netapti skolininke<\/strong><\/h2>\n

Kod\u0117l norin\u010dioms pasiskolinti \u012fmon\u0117ms svarbu pad\u0117ti realiai \u012fvertinti savo verslo perspektyvas ir galimyb\u0119 laiku gr\u0105\u017einti skol\u0105? Su nemokumu susid\u016brusios \u012fmon\u0117s pirmiausia praranda partneri\u0173 pasitik\u0117jim\u0105 \u2013 tai ma\u017eina j\u0173 pardavim\u0173 potencial\u0105. Su nemokiomis \u012fmon\u0117mis susid\u016br\u0119 verslai tampa labiau konservatyv\u016bs ir ma\u017eina prekinio kredito limitus esamiems partneriams. Taip \u012fmon\u0117s praranda l\u0117\u0161as, kurias gal\u0117t\u0173 skirti pl\u0117trai, gamybos paj\u0117gumams didinti, procesams optimizuoti, IT infrastrukt\u016broms kurti \u2013 d\u0117l to ma\u017e\u0117ja j\u0173 konkurencingumas ne tik vietos, bet ir tarptautin\u0117je rinkoje.<\/p>\n

Ne ma\u017eiau aktualu, kad \u012fmon\u0117s netenka gyvybi\u0161kai svarbaus apyvartinio kapitalo, d\u0117l ko gali sutrikti atsiskaitymai su tiek\u0117jais, darbuotojais, partneriais. O \u012fmon\u0117s, priklausomos tik nuo vieno pirk\u0117jo, apskritai rizikuoja pasitraukti i\u0161 verslo \u0161iam tapus nemokiam.<\/p>\n

Kaip i\u0161vengti nemokumo problem\u0173<\/strong><\/h2>\n

Su nemokumo problema gali susidurti bet kuri \u012fmon\u0117, kuri parduoda prekes ar paslaugas su mok\u0117jimo termino atid\u0117jimu. Praktika rodo, kad kuo ilgesnis s\u0105skaitos atid\u0117jimo terminas, tuo didesnis atsiskaitymo neapibr\u0117\u017etumas.<\/p>\n

Jei \u012fmon\u0117s neturi finans\u0173 vadovo ar finans\u0173 analitiko, rekomenduojama kreiptis \u012f finansavimo partnerius, kurie gali pad\u0117ti \u012fvertinti maksimalius limitus, atid\u0117jimo termin\u0105, apdrausti sandorius. \u012emon\u0117s, dirban\u010dios su u\u017esienio partneriais, turi ma\u017eiau prieinam\u0173 duomen\u0173 patikrinti u\u017esakovo veikl\u0105, trukm\u0119, sektori\u0173, biur\u0105, finansinius rezultatus, vie\u0161us komentarus, istorin\u012f mokum\u0105 ir t. t., tod\u0117l rekomenduojama bendradarbiavimo prad\u017eioje pra\u0161yti i\u0161ankstini\u0173 mok\u0117jim\u0173, kol \u012fgausite pasitik\u0117jim\u0105 u\u017esakovu. Nebijokite papra\u0161yti pasidalinti finansin\u0117mis ataskaitomis ir atlikite kriti\u0161k\u0105 j\u0173 vertinim\u0105. Taip pat dr\u0105siai kreipkit\u0117s \u012f esamus ar potencialius finansavim\u0105 teikian\u010dius partnerius, kurie, paprastai, turi savo kanalus ir kolegas u\u017esienyje, galin\u010dius pagelb\u0117ti su objektyvia jums aktualia informacija.<\/p>\n

Su Lietuvoje veikian\u010diais u\u017esakovais visada rekomenduojama susitikti, aplankyti u\u017esakovo biur\u0105, gamybos bazes, sand\u0117lius. Taip gal\u0117site akis \u012f ak\u012f u\u017eduoti klausimus apie \u012fmon\u0117s finansin\u0119 situacij\u0105, i\u0161girsti prognozes, pakalbinti \u012fmon\u0117s darbuotojus, papra\u0161yti rekomendacij\u0173 i\u0161 esam\u0173 \u012fmon\u0117s partneri\u0173. Niekada neu\u017etenka aklai pasitik\u0117ti u\u017esakovo \u017eod\u017eiu \u2013 visada b\u016btina tikrinti u\u017esakovo pateikt\u0105 informacij\u0105.<\/p>\n

Problemos d\u0117l nemokumo pasekmi\u0173 gali pad\u0117ti i\u0161vengti ir vis da\u017eniau \u012fmoni\u0173 pasitelkiama prekinio kredito draudimo<\/a> paslauga. Kredito draudimas padeda u\u017esitikrinti, kad bus apmok\u0117ta iki 90\u00a0proc. s\u0105skaitos fakt\u016bros vert\u0117s, jei pirk\u0117jas tapt\u0173 nemokus. Klientas prisiima ma\u017eesn\u0119 rizikos dal\u012f ir yra ma\u017eiau priklausomas nuo pirk\u0117jo galimybi\u0173 atlikti atsiskaitym\u0105. Finans\u0173 institucijos specialistai, remdamiesi savo informacijos \u0161altiniais ir metodikomis, taip pat padeda klientams \u012fsivertinti potencialius u\u017esakovus: j\u0173 rizik\u0105 ir atsiskaitymo v\u0117lavimo tikimyb\u0119. Taip pat teikia rekomendacijas d\u0117l optimalaus prekinio kredito limito dyd\u017eio dirbant su u\u017esakovu.<\/p>\n

Siekiant i\u0161vengti kliento nemokumo rekomenduojama naudoti \u0161i\u0173 prevencijos priemoni\u0173 kompleks\u0105: 1) prekin\u012f kredito draudim\u0105, 2) kredito rizikos vertinim\u0105 ir maksimali\u0173 limit\u0173 nustatym\u0105 bei u\u017esakov\u0173 krep\u0161elio diversifikavim\u0105, 3) atlikti nuolatin\u012f u\u017esakov\u0173 monitoring\u0105 ir koreguoti limitus atsi\u017evelgiant \u012f pasikeitusias aplinkybes, mokumo istorij\u0105, 4) pasitelkti kredit\u0173 biur\u0173, draudimo bendrovi\u0173, u\u017esienio partneri\u0173, vidin\u0117s sistemos duomen\u0173 bazi\u0173 pagalb\u0105, 5) taikyti dirbtinio intelekto bankroto modelius bei nustatyti v\u0117lavimo tikimyb\u0119 pirminiu vertinimo metu ir 6) aktyviai dirbti su v\u0117luojan\u010diomis s\u0105skaitomis arba j\u0173 administravim\u0105 perduoti partneriams.<\/p>\n

Straipsnis pirm\u0105 kart\u0105 publikuotas <\/em>\u201eVerslo \u017eini\u0173\u201c<\/em><\/a> laikra\u0161tyje (2023 02 23).<\/em><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” max_width=”700px” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

\u0160is straipsnis buvo parengtas su<\/span><\/p>\n

[\/et_pb_text][et_pb_team_member name=”Edmundas Volskis” position=”CRO” image_url=”https:\/\/www.factris.com\/wp-content\/uploads\/2022\/09\/Edmundas-Volskis.png” icon_color=”#353540″ _builder_version=”4.24.0″ _module_preset=”default” header_level=”h3″ header_font=”|700|||||||” header_font_size=”21px” body_font_size=”14px” position_font=”|700|||||||” position_text_color=”#353540″ position_font_size=”16px” position_line_height=”2em” hover_enabled=”0″ border_radii_image=”on|150px|150px|150px|150px” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Edmundas Volskis yra Factris valdybos narys ir Vyriausiasis rizikos valdymo vadovas, atsakingas u\u017e rizikos skyriaus veikl\u0105 ir rizik\u0173 nustatym\u0105, kurios gali tur\u0117ti \u012ftakos \u012fmonei ir jos tikslams. Anks\u010diau dirbo duomen\u0173 analiz\u0117s ir verslo konsultavimo srityse. CRO puikiai supranta organizacijos verslo model\u012f, veikl\u0105, identifikuoja esamas ir galimas rizikas, kurios gali paveikti \u012fmon\u0117s veikl\u0105.
\"factris<\/a><\/p>\n

[\/et_pb_team_member][\/et_pb_column][\/et_pb_row][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_section][et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” background_color=”#000A54″ custom_padding=”||||true|false” global_module=”2087″ global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” custom_padding=”||||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#ffffff” header_line_height=”2em” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”46px” header_2_line_height=”2em” header_3_font=”|700|||||||” header_3_text_align=”center” header_3_text_color=”#ffffff” header_3_font_size=”25px” header_font_tablet=”” header_font_phone=”” header_font_last_edited=”on|desktop” header_line_height_tablet=”1.8em” header_line_height_phone=”1.4em” header_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”32px” header_2_font_size_last_edited=”on|phone” header_3_font_tablet=”” header_3_font_phone=”” header_3_font_last_edited=”on|phone” header_3_line_height_tablet=”” header_3_line_height_phone=”1.8em” header_3_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

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":"

Pastaruoju metu vis da\u017eniau ir garsiau kalbama, kad daug\u0117ja nemoki\u0173 verslo klient\u0173 ir did\u0117ja j\u0173 skolos. Ta\u010diau faktai rodo, kad tokia tendencija n\u0117ra visuotin\u0117. Atsakingas verslas \u0161ias kalbas pagr\u012fstai neigia. \u0160tai alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus, \u012f kuriuos patenka ir pandemijos, ir energijos kain\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":22440,"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":"\n\u201eFactris\u201c nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173<\/title>\n<meta name=\"description\" content=\"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.\" \/>\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\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173\" \/>\n<meta property=\"og:description\" content=\"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\" \/>\n<meta property=\"og:site_name\" content=\"Factris\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/factris\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-21T14:41:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-16T12:35:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"980\" \/>\n\t<meta property=\"og:image:height\" content=\"654\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@factris\" \/>\n<meta name=\"twitter:site\" content=\"@factris\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.factris.com\/lt\/#\/schema\/person\/db2fc8db92d6ab893732e14672c33974\"},\"headline\":\"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173\",\"datePublished\":\"2023-03-21T14:41:12+00:00\",\"dateModified\":\"2024-05-16T12:35:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\"},\"wordCount\":1731,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.factris.com\/lt\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg\",\"articleSection\":[\"Finansavimo gidas\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\",\"url\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\",\"name\":\"\u201eFactris\u201c nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173\",\"isPartOf\":{\"@id\":\"https:\/\/www.factris.com\/lt\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg\",\"datePublished\":\"2023-03-21T14:41:12+00:00\",\"dateModified\":\"2024-05-16T12:35:47+00:00\",\"description\":\"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage\",\"url\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg\",\"contentUrl\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg\",\"width\":980,\"height\":654,\"caption\":\"\u201eFactris\u201c verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.factris.com\/lt\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finansavimo gidas\",\"item\":\"https:\/\/www.factris.com\/lt\/category\/finansavimo-gidas\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.factris.com\/lt\/#website\",\"url\":\"https:\/\/www.factris.com\/lt\/\",\"name\":\"Factris\",\"description\":\"Your invoices. Our financing.\",\"publisher\":{\"@id\":\"https:\/\/www.factris.com\/lt\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.factris.com\/lt\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.factris.com\/lt\/#organization\",\"name\":\"Factris Holding B.V.\",\"url\":\"https:\/\/www.factris.com\/lt\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\/\/www.factris.com\/lt\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2020\/12\/logo-factris-black.png\",\"contentUrl\":\"https:\/\/www.factris.com\/wp-content\/uploads\/2020\/12\/logo-factris-black.png\",\"width\":400,\"height\":73,\"caption\":\"Factris Holding B.V.\"},\"image\":{\"@id\":\"https:\/\/www.factris.com\/lt\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/factris\",\"https:\/\/x.com\/factris\",\"https:\/\/www.instagram.com\/factrisholding\/\",\"https:\/\/www.linkedin.com\/company\/factrisholding\",\"https:\/\/www.youtube.com\/channel\/UCFupqDt-Xo3EaKYGiqJH1nQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.factris.com\/lt\/#\/schema\/person\/db2fc8db92d6ab893732e14672c33974\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\/\/www.factris.com\/lt\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3433963ca90fbe2d073c8158fa1ae687?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3433963ca90fbe2d073c8158fa1ae687?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/www.factris.com\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u201eFactris\u201c nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173","description":"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/","og_locale":"lt_LT","og_type":"article","og_title":"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173","og_description":"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.","og_url":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/","og_site_name":"Factris","article_publisher":"https:\/\/www.facebook.com\/factris","article_published_time":"2023-03-21T14:41:12+00:00","article_modified_time":"2024-05-16T12:35:47+00:00","og_image":[{"width":980,"height":654,"url":"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_creator":"@factris","twitter_site":"@factris","twitter_misc":{"Written by":"admin","Est. reading time":"4 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#article","isPartOf":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/"},"author":{"name":"admin","@id":"https:\/\/www.factris.com\/lt\/#\/schema\/person\/db2fc8db92d6ab893732e14672c33974"},"headline":"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173","datePublished":"2023-03-21T14:41:12+00:00","dateModified":"2024-05-16T12:35:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/"},"wordCount":1731,"commentCount":0,"publisher":{"@id":"https:\/\/www.factris.com\/lt\/#organization"},"image":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage"},"thumbnailUrl":"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg","articleSection":["Finansavimo gidas"],"inLanguage":"lt-LT"},{"@type":"WebPage","@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/","url":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/","name":"\u201eFactris\u201c nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173","isPartOf":{"@id":"https:\/\/www.factris.com\/lt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage"},"image":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage"},"thumbnailUrl":"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg","datePublished":"2023-03-21T14:41:12+00:00","dateModified":"2024-05-16T12:35:47+00:00","description":"Factris verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis nuo faktoringo apyvartos per paskutiniuosius ketverius metus suma\u017e\u0117jo beveik 10 kart\u0173.","breadcrumb":{"@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#breadcrumb"},"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#primaryimage","url":"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg","contentUrl":"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/Edmundas-Volskis.-Ne-viskas-taip-blogai-su-skolomis_-nemokiu-paskolu-dalis-sumazejo-10-kartu.jpg","width":980,"height":654,"caption":"\u201eFactris\u201c verslo klient\u0173 nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173"},{"@type":"BreadcrumbList","@id":"https:\/\/www.factris.com\/lt\/naujienos\/ne-viskas-taip-blogai-su-skolomis-nemokiu-paskolu-dalis-sumazejo-10-kartu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.factris.com\/lt\/"},{"@type":"ListItem","position":2,"name":"Finansavimo gidas","item":"https:\/\/www.factris.com\/lt\/category\/finansavimo-gidas\/"},{"@type":"ListItem","position":3,"name":"Edmundas Volskis. Ne viskas taip blogai su skolomis: nemoki\u0173 paskol\u0173 dalis suma\u017e\u0117jo 10 kart\u0173"}]},{"@type":"WebSite","@id":"https:\/\/www.factris.com\/lt\/#website","url":"https:\/\/www.factris.com\/lt\/","name":"Factris","description":"Your invoices. Our financing.","publisher":{"@id":"https:\/\/www.factris.com\/lt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.factris.com\/lt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Organization","@id":"https:\/\/www.factris.com\/lt\/#organization","name":"Factris Holding B.V.","url":"https:\/\/www.factris.com\/lt\/","logo":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.factris.com\/lt\/#\/schema\/logo\/image\/","url":"https:\/\/www.factris.com\/wp-content\/uploads\/2020\/12\/logo-factris-black.png","contentUrl":"https:\/\/www.factris.com\/wp-content\/uploads\/2020\/12\/logo-factris-black.png","width":400,"height":73,"caption":"Factris Holding B.V."},"image":{"@id":"https:\/\/www.factris.com\/lt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/factris","https:\/\/x.com\/factris","https:\/\/www.instagram.com\/factrisholding\/","https:\/\/www.linkedin.com\/company\/factrisholding","https:\/\/www.youtube.com\/channel\/UCFupqDt-Xo3EaKYGiqJH1nQ"]},{"@type":"Person","@id":"https:\/\/www.factris.com\/lt\/#\/schema\/person\/db2fc8db92d6ab893732e14672c33974","name":"admin","image":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.factris.com\/lt\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3433963ca90fbe2d073c8158fa1ae687?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3433963ca90fbe2d073c8158fa1ae687?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/www.factris.com"]}]}},"_links":{"self":[{"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/posts\/22437"}],"collection":[{"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/comments?post=22437"}],"version-history":[{"count":19,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/posts\/22437\/revisions"}],"predecessor-version":[{"id":32057,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/posts\/22437\/revisions\/32057"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/media\/22440"}],"wp:attachment":[{"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/media?parent=22437"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/categories?post=22437"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.factris.com\/lt\/wp-json\/wp\/v2\/tags?post=22437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}