[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
Permainos tiek politikoje, tiek ekonomikoje, tiek Lietuvoje, tiek pasaulyje daro \u012ftak\u0105 ir smulkiam ir vidutiniam verslui (toliau \u2013 SVV), o pastovus ir nuolatinis ekonomikos ir verslo \u012fmoni\u0173 augimas t\u0117ra \u012fsivaizduojamas mira\u017eas.<\/p>\n
Nepaisant to, SVV \u012fmoni\u0173 skai\u010dius Lietuvoje kasmet did\u0117ja, per metus \u012fsteigiama po kelis t\u016bkstan\u010dius nauj\u0173 SVV subjekt\u0173. Ir visos \u0161ios smulkios \u012fmon\u0117s be abejo galvoja apie s\u0117kming\u0105 versl\u0105, apie nuolatin\u012f vystym\u0105si, pajam\u0173 ir pelno augim\u0105. Taigi joms reik\u0117t\u0173 \u012fvertinti, kokie pagrindiniai finansiniai i\u0161\u0161\u016bkiai laukia kelyje \u012f s\u0117km\u0119.<\/p>\n
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V\u0117luojantys apmok\u0117jimai lieka did\u017eiausi\u0105 susir\u016bpinim\u0105 SVV \u012fmoni\u0173 vadovams kelian\u010dia problema. Didesn\u0117s bendrov\u0117s da\u017enai pasinaudodamos savo svoriu i\u0161sireikalauja i\u0161 SVV \u012fmoni\u0173 ilgesnius atid\u0117jimo terminus, lankstesnes atsiskaitymo s\u0105lygas. Jei SVV \u012fmon\u0117s neu\u017esiima grie\u017etos pozicijos atsiskaitym\u0173 klausimu ir nevykdo nuolatin\u0117s kontrol\u0117s, v\u0117luojan\u010di\u0173 atsiskaitym\u0173 poveikis gryniesiems pinig\u0173 srautams gali b\u016bti itin neigiamas.<\/p>\n
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Pinig\u0173 sraut\u0173 subalansavimas yra didelis i\u0161\u0161\u016bkis SVV \u012fmon\u0117ms, ypa\u010d toms, kurios planuoja augim\u0105. Pinig\u0173 srautai ir pakankamas apyvartinis kapitalas yra kritin\u0117s sritys \u012fmon\u0117ms, turin\u010dioms spartaus augimo plan\u0105 arba tiesiog siekian\u010dioms aplenkti savo konkurentus.<\/p>\n
Augimas reikalauja pastovaus gryn\u0173j\u0173 pinig\u0173 srauto, o kaip jau buvo min\u0117ta, d\u0117l v\u0117luojan\u010di\u0173 apmok\u0117jim\u0173, \u0161is srautas da\u017enai b\u016bna nestabilus. Net geriausiais laikais SVV \u012fmon\u0117s turi b\u016bti pasirengusios kovoti su pinig\u0173 sraut\u0173 trikd\u017eiais, tam kad i\u0161gyvent\u0173 ir klest\u0117t\u0173. Tod\u0117l pinig\u0173 sraut\u0173 steb\u0117jimas ir planavimas yra svarbi u\u017eduotis SVV \u012fmon\u0117ms, siekian\u010dioms savo plan\u0173 \u012fgyvendinimo.<\/p>\n
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Suvaldyti \u012fmon\u0117s finans\u0173 kriz\u0119 \u2013 ar tiesiog kasdienius finansus \u2013 gali b\u016bti tikrai didelis i\u0161\u0161\u016bkis SVV \u012fmonei. Smulki\u0173 ir vidutini\u0173 \u012fmoni\u0173 finans\u0173 vadovams da\u017enai tr\u016bksta speciali\u0173j\u0173 mokym\u0173, \u012fg\u016bd\u017ei\u0173 ir patirties, b\u016btin\u0173 tinkamai valdyti \u012fmon\u0117s finansus. Da\u017enai SVV \u012fmon\u0117se \u012fmon\u0117s finans\u0173 direktoriaus statusas priskirtas \u012fmon\u0117s direktoriui.<\/p>\n
Tik nedidel\u0117 dalis SVV \u012fmoni\u0173 gali pasigirti turin\u010dios verslo plan\u0105, finans\u0173 valdymo plan\u0105 bei tinkamai apmokytus finansininkus. Did\u017eioji dalis \u012fmoni\u0173 dirba be \u0161i\u0173 element\u0173 arba turi vien\u0105 ar du i\u0161 j\u0173. Vis d\u0117lto apklaus\u0173 duomenys rodo, kad \u012fmon\u0117s, turin\u010dios verslo plan\u0105 bei pakankamus finansinius geb\u0117jimus, pasiekia kur kas spartesn\u012f augim\u0105 nei dirban\u010dios be j\u0173.<\/p>\n
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Kitas svarbus i\u0161\u0161\u016bkis, be pinig\u0173 sraut\u0173 palaikymo ir finans\u0173 valdymo, yra finansavimo radimas. Didel\u0117 dalis SVV \u012fmoni\u0173 negali pereiti \u012f augimo stadij\u0105, nes joms tiesiog tr\u016bksta finansavimo, o galimyb\u0117s pasinaudoti finansiniais i\u0161tekliais ir fondais yra labai apribotos. Gauti banko paskol\u0105 SVV \u012fmonei yra gana sunku ir sud\u0117tinga d\u0117l bank\u0173 keliam\u0173 reikalavim\u0173. Vienintelis kelias pasiskolinti SVV \u012fmon\u0117s savininkui da\u017enai lieka draugai ir giminai\u010diai.<\/p>\n
Vis d\u0117lto gera \u017einia SVV \u012fmon\u0117ms yra tai, kad jos gali laisvai pasinaudoti alternatyviomis finansavimo priemon\u0117mis, pvz.\u00a0<\/span>s\u0105skait\u0173 finansavimu<\/a>, ir i\u0161vengti pinig\u0173 sraut\u0173 sutrikimo greitai finansavus neapmok\u0117tas s\u0105skaitas \u012fmon\u0117se, kurios teikia\u00a0<\/span>alternatyvaus finansavimo paslaugas<\/a>. \u0160ios finansavimo paslaugos u\u017epildo tu\u0161tum\u0105 tarp SVV \u012fmoni\u0173 finans\u0173 poreikio ir tradicini\u0173 skolintoj\u0173, taigi didelei daliai SVV subjekt\u0173 padeda \u012fveikti i\u0161kilusius finansinius sunkumus.<\/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":" Gyvename nuolat kintan\u010diame pasaulyje, kuriame vienas neapibr\u0117\u017etas laikotarpis kei\u010dia kit\u0105. Permainos tiek politikoje, tiek ekonomikoje, tiek Lietuvoje, tiek pasaulyje daro \u012ftak\u0105 ir smulkiam ir vidutiniam verslui (toliau \u2013 SVV), o pastovus ir nuolatinis ekonomikos ir verslo \u012fmoni\u0173 augimas t\u0117ra \u012fsivaizduojamas mira\u017eas. Nepaisant to, SVV \u012fmoni\u0173 skai\u010dius Lietuvoje kasmet did\u0117ja, per metus \u012fsteigiama po kelis t\u016bkstan\u010dius […]<\/p>\n","protected":false},"author":1,"featured_media":21217,"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":[50,48],"yoast_head":"\nPapasakokite savo verslo istorij\u0105<\/h1>\n
Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n