{"id":6355,"date":"2021-03-01T07:22:00","date_gmt":"2021-03-01T07:22:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6355"},"modified":"2026-05-25T10:56:44","modified_gmt":"2026-05-25T10:56:44","slug":"geriausi-finansavimo-budai-verslui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/geriausi-finansavimo-budai-verslui\/","title":{"rendered":"Kok\u012f finansavimo b\u016bd\u0105 geriausia pasirinkti j\u016bs\u0173 verslui?"},"content":{"rendered":"\n

\u0160iuo laikotarpiu verslas vis dar i\u0161gyvena sunkius laikus ir da\u017enai \u012fmonei, siekiant u\u017etikrinti veiklos t\u0119stinum\u0105, tenka apsvarstyti papildomo finansavimo klausim\u0105. Be visiems \u017einom\u0173 tradicini\u0173 paskol\u0173, yra \u012fvairi\u0173 alternatyvi\u0173 finansavimo b\u016bd\u0173.<\/h2>\n\n\n\n

Vienas j\u0173 \u2013 faktoringas, kuris suteikia galimyb\u0119 verslui nedelsiant gauti pinigus u\u017e klient\u0173 s\u0105skaitas su atid\u0117tu apmok\u0117jimu. Taip nestabdomi verslo procesai, u\u017etikrinamas apyvartini\u0173 l\u0117\u0161\u0173 srautas ir \u012fmon\u0117s veiklos t\u0119stinumas. \u017dinotina, kad faktoringas yra keli\u0173 tip\u0173: draustas ir nedraustas standartinis bei atvirk\u0161tinis faktoringas. Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Edmundas Volskis paai\u0161kina j\u0173 skirtumus. Kokius kriterijus turi atitikti faktoringo siekian\u010dios \u012fmon\u0117s ir kokios paslaugos \u012feina \u012f \u0161iuos finansavimo b\u016bdus?<\/p>\n\n\n\n

Finansavimas su saugumo garantu<\/h2>\n\n\n\n

Vienas i\u0161 galim\u0173 finansavimo metod\u0173 yra draustas faktoringas<\/a>. Jis apima ne tik finansavim\u0105, bet ir draudim\u0105, kai faktoringo bendrov\u0117 apdraud\u017eia besikreipian\u010dios \u012fmon\u0117s pirk\u0117j\u0105, kuris turi apmok\u0117ti s\u0105skaitas. \u0160i paslauga itin praver\u010dia, jei \u012fmon\u0117 neturi galimybi\u0173 pati gilintis \u012f u\u017esakovo finansin\u0119 b\u016bkl\u0119, pad\u0117t\u012f rinkoje ir mokum\u0105. Faktoringo bendrov\u0117 atlieka pirk\u0117jo rizikos vertinim\u0105 bei draudimo patikros proces\u0105.<\/p>\n\n\n\n

Draudimo paslaug\u0173 kaina \u012fmonei da\u017eniausiai siekia papildomus 0,2 proc. nuo s\u0105skaitos sumos, \u012fmon\u0117 taip pat moka 0,6 proc. dyd\u017eio pal\u016bkanas 30 dien\u0173 laikotarpiui. Finansavimo procesas veikia taip, kad faktoringo bendrov\u0117 i\u0161 karto apmoka 90 proc. \u012fmon\u0117s i\u0161ra\u0161ytos s\u0105skaitos sumos, o likusius 10 proc., atskai\u010dius aptarnavimo mokes\u010dius, \u2013 kai s\u0105skait\u0105 apmoka u\u017esakovas. Pasinaudojus drausto faktoringo finansavimu, pasiskolintas l\u0117\u0161as galima gauti ir naudoti i\u0161kart. Nors draudimas kainuoja papildomai, tai \u012fmonei suteikia ramyb\u0119 d\u0117l galimos pirk\u0117jo nemokumo rizikos. \u012evykus apmok\u0117jimo v\u0117lavimui draudimo \u012fmon\u0117 atlieka skolos i\u0161ie\u0161kojim\u0105, o esant pirk\u0117jo nemokumui numatoma kompensacija.<\/p>\n\n\n\n

E. Volskis sako, kad itin da\u017enai draustu faktoringu naudojasi \u012fmon\u0117s, kurios eksportuoja savo produkcij\u0105 \u012f u\u017esien\u012f ir turi ribot\u0105 galimyb\u0119 patikrinti u\u017esakovo finansin\u0119 b\u016bkl\u0119.<\/p>\n\n\n\n

Aktualu finansi\u0161kai stipresn\u0117ms \u012fmon\u0117ms<\/h2>\n\n\n\n

Dar vienas finansavimo b\u016bdas \u2013 nedraustas faktoringas. Kokiais atvejais reik\u0117t\u0173 svarstyti naudotis \u0161uo metodu?<\/p>\n\n\n\n

\u201eNedraustas faktoringas suteikiamas tada, kai pirk\u0117jas negauna draudimo. Da\u017eniausiai jis suteikiamas finansi\u0161kai stipresn\u0117ms \u012fmon\u0117ms, kurios pirk\u0117jo nemokumo atveju gal\u0117t\u0173 padengti skol\u0105 i\u0161 \u012fmon\u0117s l\u0117\u0161\u0173. Tiesa, svarbu atkreipti d\u0117mes\u012f, kad kaip tik \u0161iuo metu nedrausto faktoringo sandoriui galima pritaikyti valstyb\u0117s garantij\u0105, tod\u0117l nedraud\u017eiamus pirk\u0117jus finansuoti gali ir silpnesn\u0117s \u012fmon\u0117s\u201c, \u2013 komentuoja E. Volskis. Jis atkreipia d\u0117mes\u012f, kad tokiame sandoryje vertinamos abi pus\u0117s: tiek \u012fmon\u0117, kuri kreipiasi \u012f finansuotoj\u0105, tiek jos klientas.<\/p>\n\n\n\n

Pasak finans\u0173 eksperto E. Volskio, nedraustas faktoringas paprastai suteikiamas \u012fmon\u0117ms, kurios atitinka \u0161iuos minimalius kriterijus: gali \u012frodyti bent pus\u0117s met\u0173 stabili\u0105 veiklos istorij\u0105, o j\u0173 minimali metin\u0117 apyvarta siekia 50 t\u016bkst. eur\u0173. Nedraustu faktoringu da\u017eniausiai domisi statyb\u0173, statybini\u0173 med\u017eiag\u0173 prekybos ar elektros instaliacijos paslaug\u0173 \u012fmon\u0117s.<\/p>\n\n\n\n

Specialistas taip pat atkreipia d\u0117mes\u012f \u012f \u0161io finansavimo metodo rizik\u0105: \u201eJei pirk\u0117jas tampa nemokus, skol\u0105 gr\u0105\u017einti tur\u0117s pati \u012fmon\u0117\u201c. E. Volskis priduria, kad tai yra viena i\u0161 prie\u017eas\u010di\u0173, kod\u0117l nedraustas faktoringas suteikiamas finansi\u0161kai stipresn\u0117ms \u012fmon\u0117ms. Pasak pa\u0161nekovo, pasirinkus nedraust\u0105 faktoring\u0105, pal\u016bkanos b\u016bna \u0161iek tiek didesn\u0117s nei drausto faktoringo atveju. Jos prasideda nuo 1 proc. \/ 30 d., o gr\u0105\u017einimo terminas individualus, bet paprastai ne ilgesnis nei 120 dien\u0173.<\/p>\n\n\n\n

Tiekimo s\u0105skait\u0173 finansavimas<\/h2>\n\n\n\n

Atvirk\u0161tinis faktoringas, kaip teigia E. Volskis, yra viena i\u0161 \u012fmon\u0117s apyvartinio kapitalo valdymo strategij\u0173, kai faktoringo bendrov\u0117 apmoka kliento, besikreipian\u010dio \u012f finansuotoj\u0105, s\u0105skaitas u\u017e norimas \u012fsigyti arba jau \u012fgytas prekes ar paslaugas.<\/p>\n\n\n\n

\u201e\u0160is faktoringo b\u016bdas skiriasi nuo anks\u010diau min\u0117t\u0173, nes finansuojama \u012fmon\u0117 atsiskaito tiesiogiai su finansuotoju, o ne preki\u0173 ar paslaug\u0173 tiek\u0117ju. Kitaip tariant, atsiranda pirkimo s\u0105skaita, o ne pardavimo\u201c, \u2013 komentuoja E. Volskis ir pateikia pavyzd\u017eius, kad tai gali b\u016bti projektin\u0117s veiklos ar sand\u0117lio finansavimas esant verslo sezoni\u0161kumui ir pana\u0161\u016bs atvejai.<\/p>\n\n\n\n

E. Volskis i\u0161skiria ir kitus sektorius, kurie da\u017eniausiai naudojasi atvirk\u0161tiniu faktoringu: transporto, didmenin\u0117s prekybos bei infrastrukt\u016bros statybos \u012fmon\u0117s.<\/p>\n\n\n\n

Finans\u0173 ekspertas atkreipia d\u0117mes\u012f, kad, suteikiant atvirk\u0161tin\u012f faktoring\u0105, vertinama tik viena pus\u0117 \u2013 \u012fmon\u0117, kuri kreipiasi \u012f finansuotoj\u0105. \u201e\u012emon\u0117 tur\u0117t\u0173 tur\u0117ti bent 1 mln. eur\u0173 metin\u0119 apyvart\u0105, generuoti peln\u0105 ir palaikyti konservatyv\u0173 nuosavo kapitalo lyg\u012f\u201c, \u2013 komentuoja E. Volskis.<\/p>\n\n\n\n

Atvirk\u0161tinio faktoringo pal\u016bkanos prasideda nuo 1 proc. \/ 30 d., o terminas kiekvienam klientui parenkamas individualiai, da\u017eniausiai \u2013 30-120 dien\u0173.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0160iuo laikotarpiu verslas vis dar i\u0161gyvena sunkius laikus ir da\u017enai \u012fmonei, siekiant u\u017etikrinti veiklos t\u0119stinum\u0105, tenka apsvarstyti papildomo finansavimo klausim\u0105. Be visiems \u017einom\u0173 tradicini\u0173 paskol\u0173,…<\/p>\n","protected":false},"author":1,"featured_media":35566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[36],"tags":[],"class_list":["post-6355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansavimo-gidas"],"yoast_head":"\nGeriausi verslo finansavimo b\u016bdai - kur\u012f pasirinkti?<\/title>\n<meta name=\"description\" content=\"Da\u017enam verslui reikalingas papildomas finansavimas. 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