{"id":6545,"date":"2020-12-02T09:27:00","date_gmt":"2020-12-02T09:27:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6545"},"modified":"2023-01-10T07:39:08","modified_gmt":"2023-01-10T07:39:08","slug":"verslo-finansavimas-faktoringas-kredito-linija","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimas-faktoringas-kredito-linija\/","title":{"rendered":"Verslo finansavimo b\u016bdai: k\u0105 pasirinkti?"},"content":{"rendered":"

[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

Tradicini\u0173 finansuotoj\u0173 paskolos smulkiam ir vidutiniam verslui (SVV) vis sunkiau pasiekiamos, o papildom\u0173 l\u0117\u0161\u0173 veiklai ar pl\u0117trai u\u017etikrinti visuomet prireikia.<\/h2>\n

Dabartiniu metu, kai daugelis versl\u0173 patiria nuosmuk\u012f, tai tampa dar aktualiau. Tiesa, kartais nemenka u\u017eduotimi tampa pasirinkti labiausiai tinkam\u0105 finansavimo b\u016bd\u0105, kuris b\u016bt\u0173 i\u0161 ties\u0173 optimalus ir tenkint\u0173 tikruosius \u012fmon\u0117s poreikius atitinkamu laikotarpiu.<\/h4>\n

Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje Edmundas Volskis pateikia kelet\u0105 reik\u0161ming\u0173 patarim\u0173, kurie pad\u0117s pasirinkti tinkamiausi\u0105 finansavimo b\u016bd\u0105.<\/p>\n

 <\/p>\n

Faktoringas<\/h2>\n

\u0160is finansavimo b\u016bdas<\/a> pirmiausia aktualus \u012fmon\u0117ms, kurios veikia taip vadinamame verslas-verslui (angl. business to business, B2B) segmente bei i\u0161ra\u0161o s\u0105skaitas su mok\u0117jimo atid\u0117jimu. Faktoringas, kaip pastebi E. Volskis, \u0161iuo metu ypa\u010d populiarus transporto, statybos, gamybos, prekybos sektoriuose. Da\u017eniausiai \u012fmon\u0117s pra\u0161o finansavimo s\u0105skaitoms, kuri\u0173 bendra suma yra iki 1 mln. eur\u0173.<\/p>\n

\u201eAugant alternatyvaus finansavimo rinkai faktoringas tapo prieinamas ir labai ma\u017eiems verslams, kadangi alternatyv\u016bs finansuotojai taiko elementarius minimalius reikalavimus. Pavyzd\u017eiui, \u012fmon\u0117 turi veikti 6 m\u0117nesius, jos apyvarta tur\u0117t\u0173 siekti 30\u201350 t\u016bkst. eur\u0173. Standarti\u0161kai kreditoriai finansuoja s\u0105skaitas su maksimaliu 120 dien\u0173 apmok\u0117jimo atid\u0117jimo terminu\u201c, \u2013 komentuoja E. Volskis.<\/p>\n

Naudinga atkreipti d\u0117mes\u012f, kad \u0161iuo atveju finansuotojai draud\u017eia gautinas sumas ir da\u017eniausiai nepra\u0161o \u012fmon\u0117s papildomo u\u017estato. Naudodamas faktoringo paslaug\u0105 pinigus u\u017e neapmok\u0117tas s\u0105skaitas verslas gali gauti i\u0161 karto, nestabdydamas svarbi\u0173 verslo augimo ir vystymosi proces\u0173. Kitaip sakant, u\u017etikrinamas pastovus apyvartini\u0173 l\u0117\u0161\u0173 srautas ir \u012fmon\u0117s veiklos vientisumas.<\/p>\n

 <\/p>\n

Atvirk\u0161tinis faktoringas<\/h2>\n

\u0160is s\u0105skait\u0173 fakt\u016br\u0173 finansavimo b\u016bdas naudingas \u012fmon\u0117ms, kurioms tiek\u0117jai nesuteikia arba suteikia trumpus apmok\u0117jimo atid\u0117jimo terminus. Pasinaudojus atvirk\u0161tinio faktoringo paslauga finansuotojas sumoka tiek\u0117jui u\u017e prekes ar paslaugas ir suteikia papildom\u0105 atid\u0117jimo termin\u0105 klientui.<\/p>\n

E. Volskis sako, kad \u0161is finansavimo b\u016bdas labiausiai naudingas gali b\u016bti vienkartini\u0173 projekt\u0173 \u012fgyvendinimui bei sezoninio verslo finansavimui. Tiesa, atvirk\u0161tinio faktoringo paslauga paprastai labiau prieinama stipresniam verslui, kuris turi ilgesn\u0119 veiklos istorij\u0105 ir stipri\u0105 biud\u017eeto balanso strukt\u016br\u0105, kadangi l\u0117\u0161as privalo gr\u0105\u017einti pats klientas su\u0117jus s\u0105skaitos apmok\u0117jimo terminui.<\/p>\n

\u201ePastebime, kad dauguma m\u016bs\u0173 klient\u0173 atvirk\u0161tinio faktoringo paslauga naudojasi nor\u0117dami padidinti sand\u0117lio atsargas, u\u017etikrinti sezonin\u012f augim\u0105, gauti geresn\u0119 kain\u0105 i\u0161 tiek\u0117jo u\u017e i\u0161ankstin\u012f apmok\u0117jim\u0105 bei \u012fgyvendinti nestandartinius verslo projektus, kurie neretai b\u016bna vienkartiniai. Atvirk\u0161tinio faktoringo ciklas paprastai b\u016bna 30\u2013120 dien\u0173, parenkamas kiekvienam klientui individualiai pagal verslo specifik\u0105. Paprastai \u012fmon\u0117s naudojasi 50\u2013250 t\u016bkst. eur\u0173 s\u0105skait\u0173 finansavimo limitais\u201c, \u2013 komentuoja E. Volskis.<\/p>\n

 <\/p>\n

Kredito linija<\/h2>\n

\u0160i\u0105 finansavimo form\u0105 galima pavadinti atsinaujinan\u010dia fiksuoto dyd\u017eio paskola, kurios vienas pagrindini\u0173 privalum\u0173 \u2013 \u012fmon\u0117 moka pal\u016bkanas tik u\u017e panaudot\u0105 finansavimo sum\u0105. Tokiu b\u016bdu verslas turi lankstesn\u012f \u012frank\u012f valdyti pinig\u0173 srautus.<\/p>\n

Pasinaudojus kredito linija pasiskolintos l\u0117\u0161os gali b\u016bti gr\u0105\u017einamos bet kada, kai \u012fmon\u0117je atsiranda papildom\u0173 pajam\u0173.<\/p>\n

\u201e\u0160is produktas pirmiausia naudingas verslui, kurio apyvartinio kapitalo ciklas n\u0117ra subalansuotas, kitaip tariant, jei verslui reikia padengti i\u0161laidas, kol jis laukia kit\u0173 s\u0105skait\u0173 apmok\u0117jimo. Kredito linija naudinga ir sezoninio verslo savininkams, kadangi galima kiekvien\u0105 m\u0117nes\u012f dengti tik pal\u016bkan\u0173 s\u0105naudas, o paskol\u0105 i\u0161pirkti termino pabaigoje, kai \u012fmon\u0117je atsiranda did\u017eiausias pajam\u0173 srautas. Standarti\u0161kai kredito linijos terminas yra 1 metai, o limitai svyruoja nuo 10 iki 500 t\u016bkst. eur\u0173\u201c, \u2013 komentuoja \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje.<\/p>\n

Anot jo, \u017evelgiant \u012f \u201eFactris\u201c bendrov\u0117s duomenis, galima sakyti, kad dabar labiausiai paklausus yra standartinis faktoringas, kuris sudaro 75 proc. viso portfelio.<\/p>\n

 <\/p>\n

Kaip gauti finansavim\u0105?<\/h2>\n

Pa\u0161nekovas pataria verslininkams, norintiems pasinaudoti papildomu finansavimu, pirmiausia ai\u0161kiai atsakyti \u012f klausim\u0105, kokia bus l\u0117\u0161\u0173 panaudojimo paskirtis. Tokiu b\u016bdu, atsi\u017evelgiant \u012f \u012fmon\u0117s veiklos specifik\u0105, finansuotojams bus papras\u010diau ir grei\u010diau patarti tinkamiausi\u0105 finansavimo produkto tip\u0105.<\/p>\n

E. Volskis atkreipia d\u0117mes\u012f, kad kreipiantis d\u0117l atvirk\u0161tinio faktoringo ar kredito linijos \u012fmon\u0117s tur\u0117t\u0173 pasiruo\u0161ti pristatyti l\u0117\u0161\u0173 panaudojimo vizij\u0105, \u012fmon\u0117s vadov\u0173 kvalifikacij\u0105, patirt\u012f ir profesionalum\u0105 savo srityje, akcinink\u0173 \u012fsitraukim\u0105 bei po\u017ei\u016br\u012f \u012f verslo valdym\u0105, argumentuoti savo pinig\u0173 srautus, \u012frodyti, kad jie bus pakankami paskolai gr\u0105\u017einti. O faktoringas, kaip sako E. Volskis, \u0161iuo atveju yra vienas papras\u010diausi\u0173 finansavimo b\u016bd\u0173, kai kreditoriai gali pritaikyti lankstesnes finansavimo s\u0105lygas, kadangi skolos gr\u0105\u017einimo \u0161altinis yra ai\u0161kus ir da\u017eniausiai apdraustas.<\/p>\n

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Papasakokite savo verslo istorij\u0105<\/h2>\n

Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

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Tradicini\u0173 finansuotoj\u0173 paskolos smulkiam ir vidutiniam verslui (SVV) vis sunkiau pasiekiamos, o papildom\u0173 l\u0117\u0161\u0173 veiklai ar pl\u0117trai u\u017etikrinti visuomet prireikia. Dabartiniu metu, kai daugelis versl\u0173 patiria nuosmuk\u012f, tai tampa dar aktualiau. Tiesa, kartais nemenka u\u017eduotimi tampa pasirinkti labiausiai tinkam\u0105 finansavimo b\u016bd\u0105, kuris b\u016bt\u0173 i\u0161 ties\u0173 optimalus ir tenkint\u0173 tikruosius \u012fmon\u0117s poreikius atitinkamu laikotarpiu. Alternatyvaus finansavimo […]<\/p>\n","protected":false},"author":1,"featured_media":21315,"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

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