{"id":31142,"date":"2024-04-24T08:39:30","date_gmt":"2024-04-24T08:39:30","guid":{"rendered":"https:\/\/www.factris.com\/?p=31142"},"modified":"2024-05-07T11:08:51","modified_gmt":"2024-05-07T11:08:51","slug":"kreditingumo-vertinimo-kriterijai-i-kuriuos-atsizvelgia-finansuotojai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kreditingumo-vertinimo-kriterijai-i-kuriuos-atsizvelgia-finansuotojai\/","title":{"rendered":"Kreditingumo vertinimo kriterijai, \u012f kuriuos atsi\u017evelgia finansuotojai"},"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;40px|||||&#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;4.24.0&#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;4.24.0&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;||||false|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;4.24.0&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.3em&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; 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;23px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>\u012emon\u0117s kredito reitingas turi lemiam\u0105 reik\u0161m\u0119 sprend\u017eiant kokiomis s\u0105lygomis bus suteikta paskola. Bankams ir finansuotojams priimant galutin\u012f sprendim\u0105 da\u017enai svarbus ne tik \u012fmon\u0117s, ta\u010diau ir jos savininko kredito reitingas. Yra keli pagrindiniai kriterijai, kurie padeda \u012fvertinti versl\u0105 ir nuspr\u0119sti kokiomis s\u0105lygomis finansavimas bus suteiktas.<\/h2>\n<h4><strong>Finansavimo poreikis<\/strong><\/h4>\n<p>Pirmas ir kertinis klausimas \u012f kur\u012f turi atsakyti \u012fmon\u0117 kreipdamasi \u012f kredito institucij\u0105 \u00a0\u2013 finansavimo poreikis. Tokiu b\u016bdu kreditorius (skolintojas) gali vertinti kokiu tikslu verslui reikalingi papildomi pinigai \u2013 pl\u0117trai, naujos \u012frangos pirkimui, o gal tuo metu u\u017eklupusi\u0173 sunkum\u0173 sprendimui. Ne k\u0105 ma\u017eiau svarbu ar klientas atvirai atsako \u012f u\u017eduotus klausimus, pla\u010diai pristato savo \u012fmon\u0119 ir veikl\u0105. Kuo detaliau apib\u016bdinama situacija, tuo tiksliau finansuotojas supras finansavimo poreik\u012f, pritaikys produkt\u0105, limit\u0105 ir u\u017estatines priemones.<\/p>\n<h4><strong>\u201eSveiki\u201c \u012fmon\u0117s finansai <\/strong><\/h4>\n<p>Finansuotojai atsi\u017evelgia ir individualiai vertina \u012fmon\u0117s apyvart\u0105, peln\u0105, \u0161i\u0173 rodikli\u0173 poky\u010dius ir tendencijas per tam tikr\u0105 laikotarp\u012f. Vertinamas \u012fmon\u0117s turimas turtas: transportas, nekilnojamas turtas, likvidumo ir skol\u0173 rodikliai. Auk\u0161tas u\u017eskolinimo rodiklis bei potenciali\u0173 \u012fkeitim\u0173 nebuvimas gali tur\u0117ti neigiamos \u012ftakos \u012fmon\u0117s kreditingumo reitingui. Kredito \u012fstaigai svarbu \u012fvertinti kliento prisiimt\u0105 skolos lyg\u012f, suteiktas u\u017estatines priemones ir kaip \u012fmon\u0117 geba dengti turimus \u012fsipareigojimus.<\/p>\n<p>Nema\u017ea dalis finansines paslaugas teikian\u010di\u0173 \u012fmoni\u0173 suteikia galimyb\u0119 pasiskolinti papildomai prie jau turimos kredito sumos, vieni i\u0161 j\u0173 esame ir mes \u2013 alternatyv\u016bs finansuotojai. Tod\u0117l jei prireikia daugiau l\u0117\u0161\u0173, nei buvote numat\u0119 i\u0161 anksto, gali pad\u0117ti m\u016bs\u0173 turimi produktai, kaip <a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">faktoringas<\/a> ar paskola.<\/p>\n<h4><strong>\u012emon\u0117s veiklos pob\u016bdis ir sektorius<\/strong><\/h4>\n<p>Vertinama \u012fmon\u0117s veikla, galb\u016bt ji i\u0161skaidyta \u012f skirtingas sritis, pavyzd\u017eiui, transportavimas ir muitin\u0117s tarpininko paslaugos. Vertinami ne tik pa\u010dios \u012fmon\u0117s veiklos rodikliai, bet ir veiklos sektorius \u2013 kokia situacija vyrauja tuo metu, ar sektorius pakilime ar i\u0161gyvena sunkius laikus, kaip sektoriui sekasi rinkose \u012f kurias klientas eksportuoja prek\u0117s ar teikia savo paslaugas. Siekiant \u012fvertinti \u012fmon\u0117s pinig\u0173 srauto pastovum\u0105, vertinama sezoni\u0161kumo \u012ftaka, situacija su u\u017esakovais \u2013 ar dirbama pagal ilgalaikes sutartis, o gal tik su vienkartiniais u\u017esakymais; ar \u012fmon\u0117 priklausoma nuo keli\u0173 pagrindini\u0173 u\u017esakov\u0173.<\/p>\n<h4><strong>Atid\u0117jimo terminai<\/strong><\/h4>\n<p>Kreditoriai vertina ar klientas pasitiki savo u\u017esakovais ir suteikia ilgus atid\u0117jimo terminus, o gal kaip tik klientui apmoka be atid\u0117jimo termin\u0173. Pana\u0161iai ir su tiek\u0117jais, ar teik\u0117jas tiki savo klientu, o galb\u016bt pra\u0161o apmok\u0117ti i\u0161 karto ir nesuteikia atid\u0117jimo termin\u0173. Siekiant \u012fvertinti konkre\u010dios \u012fmon\u0117s mokum\u0105, yra pra\u0161oma u\u017epildyti gautin\u0173 ir mok\u0117tin\u0173 sum\u0173 detalizacij\u0105 pagal v\u0117lavimo r\u0117\u017eius. Tokiu b\u016bdu matoma pa\u010dio kliento mok\u0117jim\u0173 kokyb\u0117, v\u0117lavimai su tiek\u0117jais bei u\u017esakovais.<\/p>\n<h4><strong>Mok\u0117jimo istorija<\/strong><\/h4>\n<p>Mok\u0117jim\u0173 istorija yra vienas i\u0161 svarbiausi\u0173 rodikli\u0173, kuris parodo turimus \u012fsipareigojimus, j\u0173 laikym\u0105si bei per tam tikr\u0105 laik\u0105 tur\u0117t\u0173 \u012fsipareigojim\u0173 vykdym\u0173 istorij\u0105 \u2013 ar mok\u0117jimai buvo atliekami tvarkingai ir laiku, ar \u0161iuo metu n\u0117ra lik\u0119 joki\u0173 pradelst\u0173 mok\u0117jim\u0173 ir t.t. Kiekvienas pradelstas mok\u0117jimas, net jei jis yra ir nedidelis, jau daro neigiam\u0105 \u012ftak\u0105 j\u016bs\u0173 kreditingumo reitingui ir ma\u017eina galimyb\u0119 skland\u017eiai skolintis ateityje.<\/p>\n<h4><strong>\u012emon\u0117s atstov\u0173 ir partneri\u0173 reputacija<\/strong><\/h4>\n<p>Finansuotojas vertindamas sandorio rizik\u0105 nuosekliai i\u0161nagrin\u0117ja informacij\u0105 apie \u012fmones vadovus ir partnerius. Pasitelkiami ne tik kredito biuruose renkami duomenys, bet ir vie\u0161ojoje erdv\u0117je esanti informacija. Kredito biure nustatytus kredito reitingus mato bankai, lizingo bendrov\u0117s, degalini\u0173 operatoriai, draudimo ir kitos \u012fmon\u0117s. Ataskaitose atsispindi dideli kiekiai susistemintos informacijos su naudingomis \u012f\u017evalgomis, kurios padeda suma\u017einti rizikos tikimyb\u0119 finansuotojams ar draudimo bendrov\u0117ms.<\/p>\n<p>Jei esate pradedantis verslininkas, j\u016bs\u0173 kaip fizinio asmens kredito reitingas bus labai svarbus priimant sprendim\u0105 d\u0117l verslo paskolos suteikimo. Kol \u012fmon\u0117 neturi ilgos veikimo istorijos ir savo kredito istorijos, savininko kreditingumo duomenys gali vaidinti svarb\u0173 vaidmen\u012f priimant sprendim\u0105.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Kaip verslams u\u017etikrinti auk\u0161t\u0105 kreditingumo reiting\u0105? <\/strong><\/h2>\n<ul>\n<li>Nepraleiskite paskolos \u012fmok\u0173 mok\u0117jimo termin\u0173. Geriau sumok\u0117kite \u012fmokas keliomis dienomis anks\u010diau.<\/li>\n<li>Efektyviai panaudokite jau turimas verslo paskolas. Neimkite paskolos, jei ji jums n\u0117ra b\u016btina ir negal\u0117site jos visos panaudoti tinkamai.<\/li>\n<li>Laiku pateikite ataskaitas tiek Registr\u0173 centrui, tiek Valstybinei mokes\u010di\u0173 inspekcijai ir Sodrai, kad kredito biuras matyt\u0173 piln\u0105 ir savalaik\u0119 informacij\u0105 apie j\u016bs\u0173 \u012fmon\u0117s veikl\u0105 ir rezultatus.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#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;4.24.0&#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; custom_padding=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u0160is straipsnis buvo parengtas su<\/p>\n<p>[\/et_pb_text][et_pb_team_member name=&#8221;\u0160ar\u016bnas Knie\u017ea&#8221; position=&#8221;Factris Rizikos vadovas&#8221; image_url=&#8221;https:\/\/www.factris.com\/wp-content\/uploads\/2024\/04\/Factris-Rizikos-vadovas-Sarunas-Knieza-2-1.jpg&#8221; icon_color=&#8221;#353540&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;21px&#8221; body_font_size=&#8221;14px&#8221; position_font=&#8221;|700|||||||&#8221; position_text_color=&#8221;#353540&#8243; position_font_size=&#8221;16px&#8221; position_line_height=&#8221;2em&#8221; hover_enabled=&#8221;0&#8243; border_radii_image=&#8221;on|150px|150px|150px|150px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>\u0160ar\u016bnas Knie\u017ea yra <span>Factris grup\u0117s rizikos skyriaus vadovas, atsakingas u\u017e \u012fmon\u0117s rizikos skyriaus veikl\u0105, efektyvi\u0173 rizikos valdymo proces\u0173 k\u016brim\u0105 ir taikym\u0105 bei klient\u0173 vertinim\u0105.<\/span><br \/><a href=\"https:\/\/www.linkedin.com\/in\/sarunas-knieza-79a51355\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"padding-top: 10px;\" src=\"\/wp-content\/uploads\/2021\/01\/linkedin.png\" width=\"20px\" height=\"20px\" alt=\"factris invoice financing factoring\" class=\"wp-image-1134 alignnone size-full\" \/><\/a><\/p>\n<p>[\/et_pb_team_member][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; 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_builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;||||true|false&#8221; global_module=&#8221;2087&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.0&#8243; _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; 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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>\u012emon\u0117s kredito reitingas turi lemiam\u0105 reik\u0161m\u0119 sprend\u017eiant kokiomis s\u0105lygomis bus suteikta paskola. Bankams ir finansuotojams priimant galutin\u012f sprendim\u0105 da\u017enai svarbus ne tik \u012fmon\u0117s, ta\u010diau ir jos savininko kredito reitingas. Yra keli pagrindiniai kriterijai, kurie padeda \u012fvertinti versl\u0105 ir nuspr\u0119sti kokiomis s\u0105lygomis finansavimas bus suteiktas. Finansavimo poreikis Pirmas ir kertinis klausimas \u012f kur\u012f turi atsakyti \u012fmon\u0117 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"40px|||||\" 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=\"\/nl\/nieuws\/\" button_text=\"Naar de nieuwspagina\" module_class=\"btn-back\" _builder_version=\"4.18.0\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#001194\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"&#x23;||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=\"4.17.4\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"47px|||||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.18.0\" _module_preset=\"default\" header_font_size=\"46px\" header_line_height=\"1.4em\" header_2_font=\"|700|||||||\" header_2_text_color=\"#000a54\" header_2_font_size=\"27px\" header_2_line_height=\"1.2em\" header_3_font=\"|700|||||||\" header_3_text_color=\"#000a54\" header_3_font_size=\"23px\" header_3_line_height=\"35px\" header_4_text_color=\"#000a54\" header_4_font_size=\"21px\" header_4_line_height=\"29px\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]\n\n<a href=\"\/nl\/factoring\/\" target=\"_blank\" rel=\"noopener\">Factoring<\/a> kan veel voordelen bieden, maar is niet altijd zinvol afhankelijk van de situatie van je bedrijf. Maar, wanneer is factoring dan w\u00e9l zinvol? Hieronder hebben we enkele situaties beschreven, waarbij factoring een waardevolle toevoeging is.\n<h2 style=\"padding-top: 30px;\">Voor het verbeteren van de liquiditeit en cashflow<\/h2>\nWil je de cashflow van je bedrijf verbeteren, omdat je hoge maandelijkse uitgaven hebt? Met factoring kun je de liquiditeit van je bedrijf aanzienlijk verbeteren. Rekeningen van debiteuren waar je op wacht worden direct uitbetaald, waardoor de cashflow verbeterd.\n<h2 style=\"padding-top: 30px;\">Als je geen krediet kunt krijgen bij een bank<\/h2>\nLukt het maar niet om meer kredietruimte te krijgen op uw rekening courant van de bank? Dan kan factoring hierbij helpen. De kans is groter op financiering, omdat factoringmaatschappijen andere voorwaarden hanteren. Je moet hiervoor wel aan enkele eisen voldoen:\n<ul>\n \t<li>Facturatie vindt plaats na aflevering van diensten\/producten<\/li>\n \t<li>Je hebt meerdere klanten in je debiteurenportfolio<\/li>\n \t<li>Je bedrijf bestaat langer dan een jaar en is winstgevend<\/li>\n \t<li>Je factureert aan organisaties binnen Europa<\/li>\n<\/ul>\n<h2 style=\"padding-top: 30px;\">Voor minder tijdsbesteding aan debiteurenbeheer<\/h2>\nBen je (te) veel tijd kwijt aan debiteurenbeheer? Een <a href=\"\/nl\/nieuws\/wat-doet-een-factoringmaatschappij\/\" target=\"_blank\" rel=\"noopener\">factoringmaatschappij<\/a> zoals <a href=\"https:\/\/www.factris.com\/nl\/\" target=\"_blank\" rel=\"noopener\">Factris<\/a> kan het debiteurenbeheer en het debiteurenrisico overnemen. Wij kopen je facturen op en betalen deze direct aan je uit. Vervolgens zorgen we ervoor dat de facturen door de debiteuren betaald wordt. Betaald de debiteur de factuur niet? Dan nemen incassokosten en eventuele afschrijvingen op ons. Zo heb je geen debiteurenrisico en bespaar je ook tijd op het beheren van debiteuren.\n<h2 style=\"padding-top: 30px;\">Als je last hebt van lange betalingstermijnen<\/h2>\nHanteren je klanten lange betalingstermijnen van 60 of 90 dagen? Dit kan nadelig zijn voor je bedrijf, omdat je lang moet wachten voor betalingen. Hierdoor kun je moeilijker zelf voldoen aan de betalingsverplichtingen van je bedrijf. Als je gebruik maakt van factoring dan worden de facturen opgekocht en meteen uitbetaald. Zo hoef je je geen zorgen te maken over je eigen betalingsverplichtingen.\n\nHeb je nog vragen over factoring, zoals de <a href=\"\/nl\/factoring-kosten\/\" target=\"_blank\" rel=\"noopener\">kosten van factoring?<\/a> Neem gerust <a href=\"\/nl\/neem-contact-op\/\" target=\"_blank\" rel=\"noopener\">contact op<\/a> met ons.\n\n[\/et_pb_text][\/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=\"\/nl\/nieuws\/\" button_text=\"Naar de nieuwspagina\" module_class=\"btn-back\" _builder_version=\"4.18.0\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#001194\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"&#x23;||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=\"4.7.6\" _module_preset=\"default\" background_color=\"#000A54\" custom_padding=\"20vh||20vh||true|false\" global_module=\"2087\" saved_tabs=\"all\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"0px||0px||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_font_size=\"46px\" header_line_height=\"2em\" header_2_font=\"|700|||||||\" header_2_text_color=\"#ffffff\" header_2_font_size=\"45px\" 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=\"{}\"]\n<h2 style=\"text-align: center;\">Focus op de groei van uw bedrijf<\/h2>\n<h3 style=\"text-align: center;\">Zet uw onbetaalde facturen om in werkkapitaal<\/h3>\n[\/et_pb_text][et_pb_button button_url=\"\/nl\/geschiktheid\/\" button_text=\"Kijk of u in aanmerking komt\" button_alignment=\"center\" module_class=\"btn-tertiary-2\" _builder_version=\"4.16\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#ffffff\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"&#x24;||divi||400\" button_icon_color=\"#ffffff\" button_on_hover=\"off\" custom_margin=\"||20px|||\" custom_padding=\"0px|0px|0px|0px|true|true\" global_colors_info=\"{}\"][\/et_pb_button][et_pb_button button_url=\"https:\/\/onboarding.factris.com\/nl\/sign-up\" button_text=\"Meteen beginnen\" button_alignment=\"center\" _builder_version=\"4.16\" _module_preset=\"default\" button_icon=\"&#x24;||divi||400\" button_icon_color=\"#353540\" button_on_hover=\"off\" custom_margin=\"||18px|||\" custom_padding=\"10px|40px|10px|25px|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]","_et_gb_content_width":"","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>Kreditingumo vertinimo kriterijai, \u012f kuriuos atsi\u017evelgia finansuotojai<\/title>\n<meta name=\"description\" content=\"Verslo kredito reitingas turi lemiam\u0105 reik\u0161m\u0119 sprend\u017eiant kokiomis s\u0105lygomis bus suteikta paskola. 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