{"id":6571,"date":"2020-11-16T09:45:00","date_gmt":"2020-11-16T09:45:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6571"},"modified":"2023-01-10T07:39:44","modified_gmt":"2023-01-10T07:39:44","slug":"verslo-finansavimas-sventiniu-laikotarpiu","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimas-sventiniu-laikotarpiu\/","title":{"rendered":"Finansavimas pandemijos apsuptyje: \u0161vent\u0117s nepavogs, jei \u012fmon\u0117 pasiruo\u0161"},"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

Netrukus prasid\u0117s \u0161ventinis metas. Tiesa, \u0161iemet jis bus kitoks. Ne\u017einomyb\u0117 ir neapibr\u0117\u017etumas t\u0119siasi nuo pat pavasario ir kol kas nesl\u016bgsta.<\/h2>\n

Vieni verslai priversti \u012f ateit\u012f \u017evelgti su baime ar u\u017esidaryti, kiti ie\u0161ko b\u016bd\u0173, kaip operatyviai prisitaikyti. Paprastai, augan\u010diam paklausos srautui \u0161ventiniu laikotarpiu \u012fmon\u0117s pradeda ruo\u0161tis jau vasaros pabaigoje \u2013 ruden\u012f, ta\u010diau \u0161ie metai, kaip pastebi specialistai, kitokie. Nema\u017ea dalis versl\u0173, pasiry\u017eusi\u0173 t\u0119sti ar net pl\u0117sti veikl\u0105, tebeie\u0161ko operatyvi\u0173 optimali\u0173 sprendim\u0173 \u0161ventiniam sezonui.<\/p>\n

 <\/p>\n

\u0160ie metai \u2013 nestandartiniai<\/h2>\n

Edmundas Volskis, faktoringo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje, pasakoja, kad, remiantis 2019 m. duomenimis, kreditavimo u\u017eklaus\u0173 skai\u010dius pasiruo\u0161imo \u0161ventiniam laikotarpiui ir Kal\u0117d\u0173 metui i\u0161augo apie 20 proc. palyginti su kreditavimo poreikiu vasaros metu. Paprastai, ruo\u0161iantis \u0161ventiniam laikotarpiui, labiausiai suaktyv\u0117ja transporto ir prekybos \u012fmon\u0117s. Pavyzd\u017eiui, u\u017epernai \u0161ventiniu laikotarpiu, lyginant su vasara, prekybos \u012fmoni\u0173 dalis bendrov\u0117s portfelyje i\u0161augo apie 69 proc., transporto \u2013 apie 82 proc. Taip pat prie\u0161 \u0161ventes aktyviau finansavimo ie\u0161ko sezonini\u0173 versl\u0173 savininkai, pavyzd\u017eiui, kal\u0117dini\u0173 egli\u0173, dovan\u0173, fejerverk\u0173 pardav\u0117jai.<\/p>\n

\u201eFinansavimo klausimas tampa aktualus ir smulkiam verslui, kuris veikia maisto produkt\u0173 rinkoje, pavyzd\u017eiui, parduoda med\u0173, rie\u0161ut\u0173 sviest\u0105, sausainius ar kai kuriuos kitus ni\u0161inius produktus, kurie gali tapti puikia dovana: rank\u0173 darbo pinigin\u0117s, pir\u0161tin\u0117s ir kita. Paskutinis met\u0173 ketvirtis labai svarbus visiems prekybininkams. Nuo jo kokyb\u0117s priklauso net ir vis\u0173 met\u0173 rezultatas\u201c, \u2013 komentuoja E. Volskis.<\/p>\n

Ta\u010diau ne paslaptis, kad \u0161ie metai \u2013 nestandartiniai. U\u017esienio rinkos stipriai paveiktos COVID-19 pandemijos, nema\u017eai \u017emoni\u0173 neteko darbo, o tai paveik\u0117 paklaus\u0105 ir Lietuvos \u012fmoni\u0173 parduodamai produkcijai. Tad eksporto srautai, kaip pastebi E. Volskis, nei\u0161vengiamai ma\u017eesni.<\/p>\n

\u201e\u0160iuo metu u\u017eslinko antroji COVID-19 banga, m\u016bs\u0173 \u0161alyje ir kai kuriose kitose \u012fvestas visuotinis karantinas, o tai didina neapibr\u0117\u017etum\u0105 ir vietin\u0117je, ir u\u017esienio rinkose. Darbuotojai n\u0117ra u\u017etikrinti savo pad\u0117timi, n\u0117ra ai\u0161ki \u012fmoni\u0173, kuriose jie dirba, perspektyva, poreikis j\u0173 parduodamai produkcijai bei paslaugoms. Tad nat\u016bralu, kad verslai pasidar\u0117 atsargesni, tod\u0117l ir poreikis papildomam finansavimui yra kiek ma\u017eesnis. Tiesa, matome, kad \u012fmon\u0117s stengiasi verstis ne tik savomis l\u0117\u0161omis, bet ir naudotis valstyb\u0117s taikomomis pagalbos priemon\u0117mis, \u012f kurias, beje, dar ne v\u0117lu pretenduoti\u201c, \u2013 primena E. Volskis.<\/p>\n

 <\/p>\n

Dar ne v\u0117lu pasiruo\u0161ti pl\u0117trai<\/h2>\n

Nepaisant pandemijos sukelt\u0173 problem\u0173, \u0161is metas gali b\u016bti palankus poky\u010diams ir netgi pl\u0117trai. Pirmas karantinas \u012frod\u0117 \u2013 kai kurie verslai kone per nakt\u012f prisitaik\u0117 prie realij\u0173 ir s\u0117kmingai koregavo savo paslaugas arba netgi suk\u016br\u0117 nauj\u0173, pasi\u016blydami jas \u012fsigyti nuotoliniu b\u016bdu. Tad dar nev\u0117lu priimti tinkamus sprendimus ir pasiruo\u0161ti aktyviam \u0161ventiniam metui.<\/p>\n

\u201e\u017dinoma, augan\u010diam paklausos srautui \u012fmon\u0117s pradeda ruo\u0161tis jau vasar\u0105 \u2013 rudens prad\u017eioje. Tuo metu verslai didina gamyb\u0105, pildo atsargas sand\u0117liuose, planuoja papildomos darbo j\u0117gos srautus, ple\u010dia tiek\u0117j\u0173 rat\u0105, ruo\u0161ia papildomus prekybos kanalus, tariasi d\u0117l pristatymo s\u0105lyg\u0173 su ve\u017e\u0117jais, tobulina el. komercijos kanal\u0105. Ta\u010diau kadangi \u0161is sezonas kupinas ne\u017einomyb\u0117s ir poky\u010di\u0173, matome, kad apsisprendusiems t\u0119sti ar net i\u0161pl\u0117sti veikl\u0105, \u0161is pasiruo\u0161imas tebevyksta\u201c, \u2013 komentuoja E. Volskis.<\/p>\n

Jis pataria dabar itin atsakingai planuoti finansus, formuojant \u012fmon\u0117s biud\u017eet\u0105 b\u016btinai numatyti eilut\u0119 nenumatytoms i\u0161laidoms.<\/p>\n

\u201ePoreikis nenumatytoms i\u0161laidoms atsiranda paklausos augimo laikotarpiu, kai reikia ie\u0161koti nestandartini\u0173 preki\u0173 pristatymo b\u016bd\u0173, spr\u0119sti tinklo apkrovos problemas, \u012fdarbinti papildom\u0173 darbuotoj\u0173, o pandemijos metu gali b\u016bti \u012fvesti net papildomi ribojimai, reikalavimai, kurie taip pat gali pareikalauti papildom\u0173 i\u0161laid\u0173. \u012emon\u0117s tur\u0117t\u0173 vertinti istorines fiksuotas ir kintamas i\u0161laidas bei kaupti l\u0117\u0161as nenumatytoms reikm\u0117ms. Standarti\u0161kai jos gal\u0117t\u0173 sudaryti 5\u201310 proc. i\u0161laid\u0173 strukt\u016bros, bet optimalus lygis tur\u0117t\u0173 b\u016bti nustatytas remiantis istoriniais duomenimis, adaptuotais pagal kiekvieno verslo specifik\u0105 bei vertinant bendr\u0105 neapibr\u0117\u017etumo lyg\u012f ekonomikoje\u201c, \u2013 pastebi \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje.<\/p>\n

Kita da\u017ena, ypa\u010d sezoniniam verslui, problema \u2013 reikalingi pinigai pl\u0117trai ar laikiniems nuostoliams padengti yra versle, ta\u010diau jie \u201eu\u017erakinti\u201c neapmok\u0117tose s\u0105skaitose. Jei pirk\u0117jai s\u0105skait\u0105 apmoka po keli\u0173 m\u0117nesi\u0173, \u012fmon\u0117, nesubalansavusi pinig\u0173 sraut\u0173, gali tik dar labiau didinti savo \u012fsiskolinimus tiek\u0117jams bei kreditoriams. Susid\u016br\u0119 su \u0161ia situacija verslininkai jau \u017eino, kad s\u0105skait\u0173 fakt\u016br\u0173 finansavimo paslauga gali pad\u0117ti i\u0161vengti ilgo pinig\u0173 laukimo. Tokiu atveju \u012fmonei nereikia laukti kelis m\u0117nesius ar daugiau, kad s\u0105skaitos b\u016bt\u0173 apmok\u0117tos, o gauti pinigai dirbt\u0173 ten, kur jie labiausia reikalingi.<\/p>\n

 <\/p>\n

Dr\u0105siai kreiptis ir ie\u0161koti alternatyv\u0173<\/h2>\n

Anot E. Volskio, net ir toms \u012fmon\u0117ms, kurios naudojasi nuosavomis l\u0117\u0161omis arba finansuojasi tiek\u0117j\u0173 s\u0105skaitas, pravartu rasti i\u0161orini\u0173 finansavimo sprendim\u0173, kurie gal\u0117t\u0173 pagelb\u0117ti atsiradus nenumatytoms i\u0161laidoms, delsiant atsiskaityti pirk\u0117jams ar tvarkantis su i\u0161augusia paklausa.<\/p>\n

Tiesa, ie\u0161kant papildomo finansavimo reikia atsiminti, kad finansavimo procesas reikalauja laiko, tad siekiant grei\u010diau j\u012f gauti b\u016btina i\u0161 anksto tinkamai pasiruo\u0161ti.<\/p>\n

\u201ePirmiausia patariu nebijoti kreiptis \u012f finans\u0173 institucijas ir su\u017einoti savo galimybes. \u017dinoma, reikia tur\u0117ti ai\u0161k\u0173 verslo ir finans\u0173 valdymo plan\u0105. Kartais tenka susidurti su tokiais atvejais, kai \u012fmoni\u0173 ar atitinkam\u0173 skyri\u0173 vadovai nesusid\u0117lioja ar nei\u0161mano savo veiklos proces\u0173, negali argumentuoti finansini\u0173 ataskait\u0173, atsakyti \u012f elementarius j\u0173 verslo specifikos klausimus. Tai b\u016btina siekiant bendradarbiavimo su patikimais finans\u0173 partneriais\u201c, \u2013 pastebi E. Volskis.<\/p>\n

Anot jo, dar pasitaiko verslinink\u0173, kurie negav\u0119 paskolos i\u0161 didel\u0117s tradicin\u0117s finans\u0173 institucijos pasiduoda ir atsisako ar neribotam laikui atideda pl\u0117tr\u0105. Visgi smulkiojo verslo atstovams vert\u0117t\u0173 nepamir\u0161ti, kad jie turi ir alternatyvi\u0173 finansavimo pasirinkim\u0173<\/a>.<\/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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Netrukus prasid\u0117s \u0161ventinis metas. Tiesa, \u0161iemet jis bus kitoks. Ne\u017einomyb\u0117 ir neapibr\u0117\u017etumas t\u0119siasi nuo pat pavasario ir kol kas nesl\u016bgsta. Vieni verslai priversti \u012f ateit\u012f \u017evelgti su baime ar u\u017esidaryti, kiti ie\u0161ko b\u016bd\u0173, kaip operatyviai prisitaikyti. Paprastai, augan\u010diam paklausos srautui \u0161ventiniu laikotarpiu \u012fmon\u0117s pradeda ruo\u0161tis jau vasaros pabaigoje \u2013 ruden\u012f, ta\u010diau \u0161ie metai, kaip pastebi […]<\/p>\n","protected":false},"author":1,"featured_media":21313,"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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