{"id":6369,"date":"2021-01-26T07:40:00","date_gmt":"2021-01-26T07:40:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6369"},"modified":"2023-01-10T07:36:27","modified_gmt":"2023-01-10T07:36:27","slug":"finansines-priemones-verslui-karantine","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/finansines-priemones-verslui-karantine\/","title":{"rendered":"Koki\u0173 priemoni\u0173 gali imtis verslai, nor\u0117dami su\u0161velninti karantino padarinius?"},"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;]<\/p>\n<h2>Pasaulin\u0117 COVID-19 pandemija neabejotinai tur\u0117jo \u012ftakos ir verslui Lietuvoje.<\/h2>\n<h4><strong>Karantino apribojimai valstyb\u0117se suk\u0117l\u0117 nema\u017eai sunkum\u0173 \u012fvairiems verslams. \u201eFactris\u201c Rizikos skyriaus vadovas Edmundas Volskis komentuoja, koki\u0173 priemoni\u0173 gali imtis \u012fmon\u0117s, \u0161iuo sunkme\u010diu siekdamos kuo grei\u010diau atsitiesti ir toliau pl\u0117toti veikl\u0105. Koks gal\u0117t\u0173 b\u016bti veiksm\u0173 planas verslui ir k\u0105 reikia \u017einoti apie papildom\u0105 finansavim\u0105?<\/strong><\/h4>\n<p>&nbsp;<\/p>\n<h2>Labiausiai nukent\u0117j\u0119 sektoriai<\/h2>\n<p><a href=\"https:\/\/invega.lt\/lt\/\" target=\"_blank\" rel=\"noopener noreferrer\">INVEGA<\/a> duomenimis, pernai verslui per \u012fvairias finansines ir dotacij\u0173 priemones skirta daugiau kaip 526 mln. eur\u0173. Did\u017eiausia \u0161i\u0173 l\u0117\u0161\u0173 dalis \u2013 378,6 mln. eur\u0173 \u2013 skirta \u012fmon\u0117ms ir verslininkams pad\u0117ti su\u0161velninti pandemijos poveik\u012f. O \u0161iuo metu bent 30% apyvartos susitraukim\u0105 patirian\u010di\u0173 \u012fmoni\u0173, galin\u010di\u0173 pretenduoti \u012f valstyb\u0117s pagalb\u0105, yra 94 t\u016bkst. Tam jau ruo\u0161iamos ir netrukus tur\u0117t\u0173 startuoti pagalbos priemon\u0117s. Skai\u010diai i\u0161kalbingi ir tik dar kart\u0105 patvirtinantys apie skaud\u017eius pandemijos padarinius.<\/p>\n<p>Aptardamas Lietuvos verslo situacij\u0105, E. Volskis i\u0161skiria kelis verslo sektorius, kurie pandemijos metu nukent\u0117jo bene labiausiai. Be da\u017eniausiai minim\u0173 turizmo, aviacijos, maitinimo, apgyvendinimo paslaug\u0173 versl\u0173, jis i\u0161skiria ir transporto sektori\u0173, ypa\u010d tarptautin\u012f transport\u0105. Pirmo karantino metu d\u0117l sugrie\u017etintos sien\u0173 kontrol\u0117s ir pasaulinio neapibr\u0117\u017etumo, ve\u017e\u0117jams teko ilgai laukti pasienio punktuose, procesai strigo. \u201eYpatingai paveiktos buvo automobili\u0173 transporto perve\u017eimo \u012fmon\u0117s. J\u0173 veikla prakti\u0161kai buvo sustojusi, nes pagrindin\u0117s gamyklos buvo u\u017esidariusios,\u201c \u2013 pastebi finans\u0173 ekspertas.<\/p>\n<p>Gamybos ir prekybos sektoriai irgi nemenkai paliesti pandemijos padarini\u0173. Gamybos sektoriaus \u012fmon\u0117ms reik\u0117jo ir tebereikia atrasti nauj\u0173 b\u016bd\u0173, kaip organizuoti darb\u0105 ir u\u017etikrinti darbuotoj\u0173 saugum\u0105. \u201e\u012emon\u0117s pakeit\u0117 darbo organizavimo principus, kontroliuoja jud\u0117jim\u0105, darbo laik\u0105 ir net maisto pertraukas \u012fmon\u0117s viduje. Neretai \u012fmon\u0117s taiko 2 ar net 3 pamain\u0173 darbo principus, kai vienos pamainos darbuotojai visi\u0161kai nesusitinka su kitos pamainos darbuotojais,\u201c \u2013 komentuoja pa\u0161nekovas.<\/p>\n<p>Prekybos sektorius turi b\u016bti itin lankstus, nor\u0117damas prisitaikyti prie nauj\u0173 ribojim\u0173 ir \u012f juos laiku reaguoti. \u201ePradedant nuo priverstinio neb\u016btin\u0173j\u0173 preki\u0173 parduotuvi\u0173 u\u017edarymo iki papildom\u0173 saugumo priemoni\u0173, toki\u0173 kaip privalomo atstumo i\u0161laikymas, apribojimai automobili\u0173 aik\u0161tel\u0117se, privalomo prekybos ploto u\u017etikrinimas vienam klientui ir j\u0173 sraut\u0173 kontrol\u0117,\u201c \u2013 pastebi finans\u0173 ekspertas.<\/p>\n<p>Darbuotoj\u0173 nuomos \u012fmon\u0117s, ypa\u010d teikian\u010dios paslaugas tarp skirting\u0173 \u0161ali\u0173, taip pat iki \u0161iol susiduria su dideliais sunkumais. Pavasario karantino metu apgyvendinimo veikla buvo sutrikdyta, tod\u0117l darbuotojus reik\u0117jo saugiai transportuoti namo, tam buvo u\u017esakomi net special\u016bs skryd\u017eiai.<\/p>\n<p>\u201eStresinei situacijai atsl\u016bgus \u012fmon\u0117s v\u0117l siunt\u0117 savo darbuotojus \u012f objektus, ta\u010diau susid\u016br\u0117 su kita problema: priverstine 2 savai\u010di\u0173 izoliacija, tai didino \u012fmoni\u0173 ka\u0161tus,\u201c \u2013 i\u0161skiria E. Volskis, pamin\u0117damas ir nekilnojamojo turto pl\u0117tojimo sektori\u0173, kuris d\u0117l ateities neapibr\u0117\u017etumo irgi tapo vienas labiausiai pandemijos paveikt\u0173.<\/p>\n<p>\u0160i\u0173 sunkum\u0173 sprendimas verslui buvo aktualus ne tik po pavasario karantino, bet ir dabar, m\u0105stant, kaip ateityje pa\u0161alinti \u0161ios \u017eiemos karantino padarinius.<\/p>\n<p>&nbsp;<\/p>\n<h2>Papildomas finansavimas ir finans\u0173 valdymas<\/h2>\n<p>Paklaustas, ko \u0161iuo metu verslams reikia labiausiai, finans\u0173 ekspertas akcentuoja, kad dabar da\u017eniausiai pritr\u016bksta apyvartini\u0173 l\u0117\u0161\u0173. \u201eKarantino apribojimai padar\u0117 didel\u0119 \u012ftak\u0105 daugumos \u012fmoni\u0173 pajamoms. Kai kurie verslai visi\u0161kai prarado pajamas, ta\u010diau tur\u0117jo dengti einam\u0105sias i\u0161laidas: darbuotoj\u0173 u\u017emokes\u010dius, patalp\u0173 nuom\u0105 ir pana\u0161iai. D\u0117l \u0161ios prie\u017easties verslams reikalinga i\u0161orin\u0117 pagalba,\u201c \u2013 komentuoja pa\u0161nekovas. Jis priduria, kad visgi buvo ir toki\u0173 \u012fmoni\u0173, kuri\u0173 pardavimai i\u0161augo, tod\u0117l papildomos l\u0117\u0161os reikalingos investiciniams projektams arba augan\u010dio u\u017esakym\u0173 srauto finansavimui.<\/p>\n<p>Pagrindinis klausimas i\u0161lieka, kaip verslai tur\u0117t\u0173 valdyti pinig\u0173 srautus ir koki\u0173 veiksm\u0173 imtis, kad padariniai neb\u016bt\u0173 skaud\u016bs. Finans\u0173 ekspertas pataria aktyviai komunikuoti su pagrindiniais kreditoriais pristatant reali\u0105 \u012fmon\u0117s mokumo b\u016bkl\u0119. \u201eJei \u012fmon\u0117s mok\u0117tin\u0173 sum\u0173 v\u0117lavimo lygis yra i\u0161aug\u0119s, reikia formuoti bent jau dalinio atsiskaitymo planus ir ie\u0161koti papildom\u0173 pardavimo rink\u0173, kanal\u0173, kurie pad\u0117t\u0173 atstatyti pajam\u0173 srautus\u201c, \u2013 tikina E. Volskis, pridurdamas, kad turint ai\u0161k\u0173 veiklos plan\u0105 galima kreiptis ir \u012f i\u0161orinius kreditorius, kurie gali kompensuoti laikin\u0105 pajam\u0173 tr\u016bkum\u0105.<\/p>\n<p>&nbsp;<\/p>\n<h2>Kada apsimoka toliau t\u0119sti veikl\u0105?<\/h2>\n<p>Ko gero, daugeliui verslinink\u0173 kirba klausimas, ar tikrai verta ir yra protinga skolintis \u0161iuo metu. Karantinas dar nesibaigia, tad verslai yra ne\u017einioje. Galb\u016bt vietoj papildomo finansavimo ie\u0161kojimo ma\u017eiau padarini\u0173 sukelt\u0173 veiklos sustabdymas? Finans\u0173 ekspertas tikina, kad veiklos stabdymas nerekomenduojamas, kol i\u0161laikomas \u012fmon\u0117s mokumas, ta\u010diau veiklos adaptacija atsi\u017evelgiant \u012f pasikeitusias rinkos s\u0105lygas yra b\u016btina. Tai pad\u0117s lengviau atsitiesti, be to, kreditoriai taip pat palankiau \u017ei\u016bri \u012f verslus, kurie turi sudar\u0119 tolesn\u012f veiksm\u0173 plan\u0105.<\/p>\n<p>E. Volskis atkreipia d\u0117mes\u012f, kad net jei \u0161iuo metu n\u0117ra reikalingas <a href=\"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimas-faktoringas-kredito-linija\/\">papildomas i\u0161or\u0117s finansavimas<\/a>, verslams vert\u0117t\u0173 pasitikrinti savo galimybes. \u201eKreditoriai atlieka rizikos vertinim\u0105 ir gali pasakyti, koki\u0105 l\u0117\u0161\u0173 sum\u0105 turi galimyb\u0119 pasiskolinti besikreipianti \u012fmon\u0117, pakomentuoti pagrindinius verslo rizikos veiksnius, \u012fvertinti verslo plano stabilizavimo priemones, patarti verslo vystymo ar kitais klausimais,\u201c \u2013 pabr\u0117\u017eia finans\u0173 ekspertas, pridurdamas, kad dabar b\u016btina pasinaudoti ir valstyb\u0117s teikiama pagalba, kuri leid\u017eia finansavim\u0105 gauti kur kas palankesn\u0117mis nei standartin\u0117mis rinkos s\u0105lygomis.<\/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; 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Karantino apribojimai valstyb\u0117se suk\u0117l\u0117 nema\u017eai sunkum\u0173 \u012fvairiems verslams. \u201eFactris\u201c Rizikos skyriaus vadovas Edmundas Volskis komentuoja, koki\u0173 priemoni\u0173 gali imtis \u012fmon\u0117s, \u0161iuo sunkme\u010diu siekdamos kuo grei\u010diau atsitiesti ir toliau pl\u0117toti veikl\u0105. Koks gal\u0117t\u0173 b\u016bti veiksm\u0173 planas verslui ir k\u0105 reikia \u017einoti apie papildom\u0105 finansavim\u0105? &nbsp; Labiausiai nukent\u0117j\u0119 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21319,"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. 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