[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
Kokios naujov\u0117s ir perspektyvos numatomos \u012fmoni\u0173 finansavimo srityje 2018 metais? Ap\u017evelgsime svarbiausias i\u0161 j\u0173:<\/p>\n
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Banko paskola vis dar yra vienu da\u017eniausi\u0173 verslo finansavimo b\u016bd\u0173. Bank\u0173 paskolos verslui 2017 m. nuosekliai did\u0117jo, o 2018 m. prognozuojamas dar didesnis paskol\u0173 portfelio augimas. Verslo kreditavimo augim\u0105 skatins did\u0117jan\u010dios \u012fmoni\u0173 investicijos bei augantis apyvartini\u0173 l\u0117\u0161\u0173 poreikis. Bank\u0173 apklausos duomenimis, tikimasi 10-15 proc. paskol\u0173 portfelio augimo. Realus augimas tik\u0117tina bus kiek ma\u017eesnis, nes bank\u0173 prognoz\u0117s da\u017enai b\u016bna kiek optimistin\u0117s.<\/p>\n
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Nors tradicin\u0117s banko paskolos vis dar sudarys did\u017ei\u0105j\u0105 verslo finansavimo dal\u012f, ta\u010diau alternatyv\u016bs skolinimosi \u0161altiniai neliks nuo\u0161alyje. Alternatyv\u016bs skolintojai konkuruos su bankais teikdami paskolas grei\u010diau, lankstesn\u0117mis s\u0105lygomis, supaprastindami paskol\u0173 i\u0161davimo proces\u0105 bei perkeldami j\u012f \u012f internetin\u0119 erdv\u0119.<\/p>\n
Pradedantiems savo versl\u0105 ir turintiems unikali\u0173 id\u0117j\u0173 vienas i\u0161 verslo prad\u017eios finansavimo b\u016bd\u0173 i\u0161liks sutelktinis finansavimas (Crowdfunding<\/em>). \u0160iuo finansavimo b\u016bdu galima pritraukti l\u0117\u0161\u0173 i\u0161 neriboto skai\u010diaus \u017emoni\u0173 lengviau ir geresn\u0117mis s\u0105lygomis nei banke, tad jo populiarumas nema\u017e\u0117s ir 2018 m.<\/p>\n Tarp naujai besikurian\u010di\u0173 ir inovatyvi\u0173 \u012fmoni\u0173 populiar\u016bs i\u0161liks rizikos kapitalo fondai. Prie\u0161 kelet\u0105 met\u0173 Lietuvoje buv\u0119s dar gana egzoti\u0161kas rizikos kapitalo fond\u0173 ir verslo angel\u0173 finansavimas taps vis labiau prieinamas. \u0160i\u0173 finansavimo \u0161altini\u0173 \u017einomum\u0105 ir didesn\u012f prieinamum\u0105 s\u0105lygojo ir papildomas finansavimas rizikos kapitalo finansin\u0117ms priemon\u0117ms i\u0161 Europos regionin\u0117s pl\u0117tros fondo.<\/p>\n <\/p>\n 2018 metais stipr\u0117s partneryst\u0117 tarp bank\u0173 ir finansini\u0173 technologij\u0173 (fintech<\/em>) kompanij\u0173. Bankai supranta, jog tradicin\u0117 bankininkyst\u0117 jau yra pasenusi. I\u0161augo nauja karta, kuri gali niekada neu\u017esukti \u012f bank\u0105. Vis da\u017eniau finansin\u0117mis paslaugomis nuo mok\u0117jim\u0173 pavedim\u0173 iki paskol\u0173 gavimo pasinaudojama per mobilias telefono aplikacijas. Parai\u0161k\u0105 paskolai taip galima pateikti ir vakare ar savaitgal\u012f, t.y. ne tradicin\u0117mis bank\u0173 darbo valandomis. Tod\u0117l bank\u0173 u\u017eduotis bus arba kuo grei\u010diau skaitmenizuoti visas savo paslaugas, arba ie\u0161koti bendradarbiavimo galimybi\u0173 su finansini\u0173 technologij\u0173 bendrov\u0117mis, kurios jau yra suk\u016brusios pa\u017eangias technologijas ir gali integruoti jas \u012f bank\u0173 platformas. Finansini\u0173 technologij\u0173 \u012fmoni\u0173 skai\u010dius Lietuvoje ir toliau spar\u010diai augs, nes \u0161aliai paskelbus siek\u012f tapti finansini\u0173 technologij\u0173 centru \u0160iaur\u0117s ir Baltijos \u0161ali\u0173 regione, daug u\u017esienio \u0161ali\u0173 \u012fmoni\u0173 \u0117m\u0117 dom\u0117tis galimyb\u0117mis gauti finans\u0173 \u012fstaigos licencij\u0105 veiklos vykdymui.<\/p>\n <\/p>\n Dar viena finans\u0173 sektoriaus inovacija, kuri \u012fne\u0161 poky\u010di\u0173 ir verslo bei vie\u0161ojo administravimo srityse \u2013 tai\u00a0<\/span>blockchain<\/em><\/a>\u00a0technologija. Nors kol kas\u00a0<\/span>blockchain<\/em>\u00a0<\/span>technologija daugiausia siejama su bitkoinais, jos princip\u0105 galima pritaikyti prakti\u0161kai visose srityse, kurios susiduria su transakcijomis ar \u012fra\u0161\u0173 dalinimusi. \u0160ios technologijos d\u0117ka registruojami sandoriai ir apie juos saugoma informacija be jokios prie\u017ei\u016bros institucijos ar finansini\u0173 tarpinink\u0173. Taigi 2018 m. bus \u012fdomu steb\u0117ti, kaip vystysis\u00a0<\/span>blockchain<\/em>\u00a0<\/span>technologijos, ateityje galin\u010dios kardinaliai pakeisti finansini\u0173 tarpinink\u0173 vaidmen\u012f finans\u0173 sistemoje. Lietuvoje\u00a0<\/span>blockchain<\/em><\/a>\u00a0<\/span>technologija yra viena i\u0161 strategini\u0173 sri\u010di\u0173, o Vilniuje atidaromas tarptautinis\u00a0<\/span>blockchain<\/em>\u00a0centras (\u201eBlockchain Centre Vilnius\u201c) yra pirmasis tokio profilio centras visoje Europoje.<\/p>\n Kartus su\u00a0<\/span>blockchain<\/em>\u00a0<\/span>technologija populiar\u0117s ir naujas pinig\u0173 pritraukimo b\u016bdas, paremtas kriptovaliuta \u2013 ICO (Initial Coin Offering<\/em>). \u0160is b\u016bdas labiausiai tinkamas gauti finansavim\u0105\u00a0<\/span>blockchain<\/em>\u00a0<\/span>technologijos startuoliams, kuri\u0173 pradin\u0117ms investicijoms reikalingos stambios pinig\u0173 sumos.<\/p>\n <\/p>\n Smulkaus ir vidutinio verslo \u012fmoni\u0173 akiratyje i\u0161liks galimyb\u0117s gauti finansavim\u0105 i\u0161 Europos S\u0105jungos strukt\u016brini\u0173 fond\u0173. \u012egyvendinant 2014-2020 m. ES fond\u0173 investicijas, verslo finansavimui bei skatinimui numatytos 29 priemon\u0117s remian\u010dios eksport\u0105, inovacijas, investicijas \u012f ekologi\u0161kus sprendimus, \u017emogi\u0161k\u0173j\u0173 i\u0161tekli\u0173 mokym\u0105, o taip pat sudaran\u010dios galimybes gauti lengvatines paskolas \u012fmon\u0117ms, siekian\u010dioms prad\u0117ti arba vystyti neseniai prad\u0117t\u0105 versl\u0105.<\/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=”4.9.0″ _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=”\/lt\/finansavimo-kriterijai\/” button_text=”Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.9.0″ _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=”https:\/\/onboarding.factris.com\/lt\/sign-up” button_text=”Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105” button_alignment=”center” _builder_version=”4.9.0″ _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":" Tiek planuojantiems kurti savo versl\u0105, tiek smulkaus ir vidutinio verslo \u012fmon\u0117ms vienas svarbiausi\u0173 klausim\u0173 visada yra finansavimo investicijoms gavimas. Kokios naujov\u0117s ir perspektyvos numatomos \u012fmoni\u0173 finansavimo srityje 2018 metais? Ap\u017evelgsime svarbiausias i\u0161 j\u0173: Bank\u0173 paskolos\u00a0 Banko paskola vis dar yra vienu da\u017eniausi\u0173 verslo finansavimo b\u016bd\u0173. Bank\u0173 paskolos verslui 2017 m. nuosekliai did\u0117jo, o 2018 […]<\/p>\n","protected":false},"author":1,"featured_media":21236,"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":[45],"yoast_head":"\nFinansin\u0117s technologijos (<\/strong>fintech<\/strong><\/em>)<\/strong><\/h3>\n
Blockchain<\/strong><\/em><\/a>\u00a0technologija ir ICO (<\/strong>Initial Coin Offerings<\/strong><\/em>)<\/strong><\/h3>\n
Parama ir lengvatin\u0117s paskolos verslui<\/strong><\/h3>\n
Papasakokite savo verslo istorij\u0105<\/h1>\n
Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n