{"id":3161,"date":"2015-07-21T11:57:00","date_gmt":"2015-07-21T11:57:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=3161"},"modified":"2023-01-10T09:55:08","modified_gmt":"2023-01-10T09:55:08","slug":"kaip-svv-vadovai-vertina-finansavimo-perspektyvas","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kaip-svv-vadovai-vertina-finansavimo-perspektyvas\/","title":{"rendered":"SVV vadovai i\u0161orinio finansavimo perspektyvas vertina pras\u010diau nei pernai"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#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;4.8.2&#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;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#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;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#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_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#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; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>T\u0119siame verslo finansavimo tyrim\u0173 ap\u017evalg\u0173 serij\u0105 (<a href=\"https:\/\/debifo.lt\/net-85-svv-reikalingas-isorinis-verslo-finansavimas\/\">I<\/a>,<span>\u00a0<\/span><a href=\"https:\/\/debifo.lt\/verslo-finansavimo-tendencijos-planuojamas-skolinimosi-poreikis-auga\/\">II<\/a>,<span>\u00a0<\/span><a href=\"https:\/\/debifo.lt\/verslo-finansavimo-salygu-apzvalga-auga-trumpalaikiu-paskolu-poreikis\/\">III<\/a>)\u00a0ir pateikiame \u012fdomiausias \u012f\u017evalgas i\u0161 Lietuvos \u012fmoni\u0173 po\u017ei\u016brio \u012f finansavim\u0105 2014-2015 met\u0173 lyginamosios analiz\u0117s.<\/h2>\n<p>Smulkaus ir vidutinio verslo atstov\u0173 po\u017ei\u016brio \u012f finansavim\u0105 tyrim\u0105 atliko Lietuvos rizikos ir privataus kapitalo asociacija kartu su advokat\u0173 kontora COBALT ir Lietuvos finans\u0173 rinkos institutu. Tyrimo metu telefonu apklausti 319 \u012fmoni\u0173 vadovai.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u012e\u017evalgos ir statistika i\u0161 verslo po\u017ei\u016brio \u012f finansavim\u0105 tyrimo:<\/strong><\/h3>\n<ul>\n<li>Daugiau nei 80% \u012fmoni\u0173 vadov\u0173 tikisi, kad j\u0173 vadovaujam\u0173 \u012fmoni\u0173 pardavimo pajamos ir toliau did\u0117s. 37% \u012fmoni\u0173 vadov\u0173 tikisi sant\u016braus augimo (iki 5%), o 25% laukia \u017eenklesnio augimo (tarp 5-10%).<\/li>\n<li>2015 m. smulkaus ir vidutinio verslo (SVV) vadovai mato daugiau verslo pl\u0117tros galimybi\u0173, palyginti su 2014 m.<\/li>\n<li>Analizuojant dvej\u0173 met\u0173 finansavimo poreikio pokyt\u012f, matomas finansavimo paklausos ma\u017e\u0117jimas \u2013 tik 31% vadov\u0173 2015 m. nurod\u0117, kad jiems reikalingas i\u0161orinis finansavimas, , palyginti su 40% 2014 m.<\/li>\n<li>Net 75% SVV \u012fmoni\u0173 vadov\u0173 nurod\u0117, kad nesikreip\u0117 \u012f kredito \u012fstaig\u0105 ar bank\u0105 d\u0117l i\u0161orinio finansavimo. Pagrindin\u0117s nesikreipimo prie\u017eastys \u2013 pakankamas nuosavas kapitalas (40%), nenoras prisiimti paskol\u0105 verslui (28%), per didel\u0117 pal\u016bkan\u0173 norma (11%), keliam\u0173 reikalavim\u0173 neatitikimas (8%), informacijos tr\u016bkumas (8%).<\/li>\n<li>Da\u017eniausiai SVV atstovai kreip\u0117si d\u0117l didel\u0117s vert\u0117s finansavimo (po 20% d\u0117l 500-1000 t\u016bkst. Lt ir d\u0117l daugiau nei 5 mln. Lt), o ma\u017eos apimties finansavimas domino ma\u017eiau \u012fmoni\u0173.<\/li>\n<li>I\u0161orinio finansavimo panaudojimas pagal da\u017enum\u0105 \u2013 1) \u012frangos pirkimui, pastat\u0173 ir patalp\u0173 remontui 2) \u017ealiav\u0173 pirkimui ir u\u017esakym\u0173 \u012fgyvendinimui (t.y. apyvartiniam kapitalui finansuoti) 3) investicijoms \u012f technologijas 4) investicijos \u012f \u017emogi\u0161k\u0173j\u0173 i\u0161tekli\u0173 pl\u0117tr\u0105.<\/li>\n<li>Finansavimas suteiktas tik 48% besikreipusiems SVV atstovams, o 26% paskolos nebuvo suteiktos. Prie\u017eastys, d\u0117l kuri\u0173 \u012fmon\u0117s nurod\u0117 negavusios paskol\u0173, buvo labai \u012fvairios \u2013 tyrimo autoriams nepavyko i\u0161skirti pagrindini\u0173 finansavimo nesuteikimo prie\u017eas\u010di\u0173. .<\/li>\n<li>Tyrimo autoriai mano, kad \u201esmulki\u0173 klient\u0173 aptarnavimas bankui yra brangus, tod\u0117l bankai kei\u010dia kainodaros politik\u0105\u201c. Tai siejama ir su bank\u0173 tikslais daugiau d\u0117mesio skirti didesn\u0117ms ir saugesn\u0117ms \u012fmon\u0117ms, ir su naujais Basel III reikalavimais.<\/li>\n<li>Did\u017eioji dauguma SVV vadov\u0173 nurod\u0117, kad verslo finansavimo galimyb\u0117s 2015 m. pablog\u0117jo.<\/li>\n<li>Finansavimo \u0161altini\u0173 prioritetai nekinta \u2013 \u012fmon\u0117s nuosavas kapitalas ir toliau i\u0161lieka patraukliausiu finansavimo \u0161altiniu. Kaip ma\u017eiau patraukl\u016bs finansavimo \u0161altiniai nurodyti banko paskola verslui, ES strukt\u016brin\u0117s l\u0117\u0161os ir lizingas. Ma\u017eiausiai patrauklu naudotis faktoringu, kredito unijos paslaugomis, verslo angel\u0173 ir rizikos kapitalu.<\/li>\n<\/ul>\n<p>Apklaust\u0173 smulki\u0173 ir vidutini\u0173 \u012fmoni\u0173 pasiskirstymas pagal veiklos sektorius: paslaugos \u2013 44%, gamyba ir pramon\u0117 \u2013 25%, pardavimai \u2013 25%, kita \u2013 6%; pagal apyvart\u0105: 5-10 mln. Lt \u2013 41%, 11-20 mln. Lt \u2013 20%, 21-50 mln. Lt \u2013 24%, vir\u0161 50 mln. Lt \u2013 14%. Skaitytojai tur\u0117t\u0173 atkreipti d\u0117mes\u012f, kad 2015 m. tyrimo imtis buvo 3 kartus didesn\u0117 nei analogi\u0161ko 2014 m. tyrimo. Piln\u0105 verslo finansavimo analiz\u0119 galite rasti paspaud\u0119<span>\u00a0<\/span><a href=\"http:\/\/vca.lt\/wp-content\/uploads\/2015\/07\/LIETUVOS-%C4%AEMONI%C5%B2-PO%C5%BDI%C5%AARIS-%C4%AE-FINANSAVIM%C4%84-ANALIZ%C4%96.pdf\">\u0161i\u0105 nuorod\u0105.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#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;4.8.2&#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;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#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_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#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;36px&#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;]<\/p>\n<h1 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h1>\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;#&#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;4.8.2&#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;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;#&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#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>T\u0119siame verslo finansavimo tyrim\u0173 ap\u017evalg\u0173 serij\u0105 (I,\u00a0II,\u00a0III)\u00a0ir pateikiame \u012fdomiausias \u012f\u017evalgas i\u0161 Lietuvos \u012fmoni\u0173 po\u017ei\u016brio \u012f finansavim\u0105 2014-2015 met\u0173 lyginamosios analiz\u0117s. Smulkaus ir vidutinio verslo atstov\u0173 po\u017ei\u016brio \u012f finansavim\u0105 tyrim\u0105 atliko Lietuvos rizikos ir privataus kapitalo asociacija kartu su advokat\u0173 kontora COBALT ir Lietuvos finans\u0173 rinkos institutu. Tyrimo metu telefonu apklausti 319 \u012fmoni\u0173 vadovai. &nbsp; \u012e\u017evalgos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21647,"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":[50,48],"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>SVV i\u0161orinio finansavimo perspektyvos - prastesn\u0117s nei pernai<\/title>\n<meta name=\"description\" content=\"Net 75% SVV \u012fmoni\u0173 vadov\u0173 nurod\u0117, kad nesikreip\u0117 \u012f kredito \u012fstaig\u0105 ar bank\u0105 d\u0117l i\u0161orinio finansavimo. 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