[et_pb_section fb_built=”1″ _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”21px|||||”][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” 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=”4.7.6″ _module_preset=”default” max_width=”700px”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _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=”1.3em” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
Apie 37 proc. apklaust\u0173j\u0173 teig\u0117, kad su jais atsiskaityti v\u0117luoja apie 10 proc. j\u0173 klient\u0173, o net 19 proc. nurod\u0117, kad v\u0117luoja iki tre\u010ddalio klient\u0173 atsiskaitymai. Tuo tarpu, Verslo \u017einios atliko trump\u0105 apklaus\u0105 apie v\u0117lavimo atsiskaityti tendencijas tarp savo skaitytoj\u0173. Net 53 proc. skaitytoj\u0173\u00a0teig\u0117, kad nuolat v\u0117luoja atsiskaityti su verslo partneriais ir tik 13 proc. niekada nev\u0117luoja atsiskaityti.<\/p>\n
Tendencija atsiskaityti pav\u0117luotai gali sukelti rimt\u0173 problem\u0173\u00a0smulkiam ir vidutiniam verslui<\/a>\u2013 jei \u012fmon\u0117 n\u0117ra sukaupusi pakankamo l\u0117\u0161\u0173 buferio, ji gali susidurti su\u00a0apyvartinio kapitalo<\/a>\u00a0<\/span>tr\u016bkumu ir pati pav\u0117luoti atsiskaityti su savo tiek\u0117jais ir darbuotojais. Tokia situacija gali lemti ir papildomus ka\u0161tus, jei\u00a0sutrikus pinig\u0173 srautams<\/a>, tiek\u0117jai u\u017e v\u0117lavim\u0105 pradeda skai\u010diuoti delspinigius. Ta\u010diau daug svarbesni netiesioginiai nuostoliai \u2013 \u017eala \u012fmon\u0117s reputacijai ir padid\u0117jusi rizika prarasti svarbius verslo partnerius ar darbuotojus.<\/p>\n Tam, kad i\u0161vengtum\u0117te \u201eskyl\u0117s\u201c apyvartiniame kapitale, svarbu su tam tikru\u00a0rezervu planuoti pinig\u0173 \u012fplauk\u0173 ir mok\u0117jim\u0173 terminus<\/a>, o taip pat apsvarstyti\u00a0alternatyvius apyvartinio kapitalo \u0161altinius<\/a>, kurie prireikus b\u016bt\u0173 greitai pasiekiami \u2013 tai gali b\u016bti ir likvid\u017eios nuosavos l\u0117\u0161os, ir trumpalaik\u0117s paskolos i\u0161 i\u0161orini\u0173 finansavimo tiek\u0117j\u0173.<\/p>\n Siekiant apsisaugoti nuo neplanuoto pinig\u0173 sraut\u0173 tr\u016bkumo, be abejon\u0117s, svarbu numatyti priemones, kaip suma\u017einti atsiskaitym\u0173 v\u0117lavimo rizik\u0105. Patartina \u012fmon\u0117je nustatyti ai\u0161ki\u0105 skol\u0173 valdymo politik\u0105 \u2013 apibr\u0117\u017eti konkre\u010dius veiksmus, kuri\u0173 bus imamasi, pirk\u0117jui v\u0117luojant atsiskaityti tam tikr\u0105 laikotarp\u012f. Prad\u017eioje \u012fsiskolin\u0119s klientas gali b\u016bti \u012fsp\u0117jamas, v\u0117liau tur\u0117t\u0173 b\u016bti nutraukiamas produkt\u0173 ar paslaug\u0173 tiekimas ir atsisakoma teikti naujas prekes ar paslaugas. Taip pat svarbu \u012f v\u0117lavimus reaguoti greitai ir skolinink\u0105 apie juos informuoti vos atsiradus pradelstam mok\u0117jimui. Bandykite i\u0161siai\u0161kinti v\u0117lavimo prie\u017eastis ir kuo objektyviau \u012fsivertinti kliento galimybes su jumis atsiskaityti.<\/p>\n Siekdama apsidrausti, da\u017ena \u012fmon\u0117 su naujais klientais pradeda dirbti pra\u0161ydama i\u0161ankstini\u0173 apmok\u0117jim\u0173. \u012esitikinus, kad klientas tvarkingas ir s\u0105\u017einingai atsiskaito u\u017e suteiktas prekes ar paslaugas, leid\u017eiama gauti mok\u0117jimo atid\u0117jim\u0105. Kita alternatyva \u2013 pra\u0161yti kliento u\u017etikrinti prievoles \u012fkei\u010diant turt\u0105. Deja, ta\u010diau \u0161ios prevencin\u0117s priemon\u0117s gali j\u016bs\u0173 si\u016blomas prekes ar paslaugas padaryti ma\u017eiau patrauklias ir atbaidyti dal\u012f potenciali\u0173 klient\u0173.<\/p>\n Nemoki\u0173 ir v\u0117luojan\u010di\u0173 atsiskaityti klient\u0173 skai\u010di\u0173 suma\u017einti pad\u0117s ir atidesnis klient\u0173 patikrinimas prie\u0161 sudarant sutartis. Pasidom\u0117kite u\u017esakovo veiklos istorija, kreditingumo reitingais, atkreipkite d\u0117mes\u012f \u012f verslo kliento veiklos vykdymo trukm\u0119, \u012fmon\u0117s dyd\u012f. Jei turite galimyb\u0119, per\u017ei\u016br\u0117kite pagrindinius \u012fmon\u0117s finansinius rodiklius: turto ir \u012fsipareigojim\u0173 santyk\u012f, likvid\u017ei\u0173 l\u0117\u0161\u0173 ir trumpalaiki\u0173 \u012fsipareigojim\u0173 santyk\u012f, pelningum\u0105.<\/p>\n Prevencin\u0117s priemon\u0117s ir skol\u0173 valdymo politikos taikymas \u012fmon\u0117ms atne\u0161a papildomus administracinius ka\u0161tus, ta\u010diau leid\u017eia suma\u017einti nemoki\u0173 klient\u0173 rizik\u0105 ir i\u0161vengti apyvartinio kapitalo tr\u016bkumo . Tod\u0117l kiekvienam verslui reik\u0117t\u0173 apsvarstyti, koki\u0105 v\u0117luojan\u010di\u0173 mok\u0117jim\u0173 rizik\u0105 jis gali prisiimti, o kiek papildom\u0173 i\u0161tekli\u0173 reik\u0117t\u0173 jai suvaldyti.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” 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″][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”0px||0px||true|false”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.8.2″ _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=”36px” 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”]<\/p>\n [\/et_pb_text][et_pb_button button_url=”#” button_text=”Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%3%%” button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||20px|||” custom_padding=”0px|0px|0px|0px|true|true”][\/et_pb_button][et_pb_button button_url=”#” button_text=”Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105” button_alignment=”center” _builder_version=”4.8.2″ _module_preset=”default” button_icon=”%%3%%” button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|25px|true|false” 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":" Remiantis vieno did\u017eiausi\u0173 \u0161alies bank\u0173 u\u017esakymu atlikta apklausa, apie du tre\u010ddaliai Lietuvoje veikl\u0105 vykdan\u010di\u0173 \u012fmoni\u0173 susiduria su atsiskaitym\u0173 v\u0117lavimu. Apie 37 proc. apklaust\u0173j\u0173 teig\u0117, kad su jais atsiskaityti v\u0117luoja apie 10 proc. j\u0173 klient\u0173, o net 19 proc. nurod\u0117, kad v\u0117luoja iki tre\u010ddalio klient\u0173 atsiskaitymai. Tuo tarpu, Verslo \u017einios atliko trump\u0105 apklaus\u0105 apie v\u0117lavimo atsiskaityti […]<\/p>\n","protected":false},"author":1,"featured_media":21210,"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":[57],"yoast_head":"\nPapasakokite savo verslo istorij\u0105<\/h1>\n
Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n