{"id":6633,"date":"2020-11-10T09:57:00","date_gmt":"2020-11-10T09:57:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6633"},"modified":"2023-01-10T07:40:58","modified_gmt":"2023-01-10T07:40:58","slug":"sprendimai-apyvartinio-kapitalo-valdymui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/sprendimai-apyvartinio-kapitalo-valdymui\/","title":{"rendered":"Patarimai, kaip padidinti \u012fmon\u0117s apyvartin\u012f kapital\u0105"},"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; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Kaip vadinamas kiekvienam verslui svarbus finans\u0173 rodiklis, neretai \u012fvardijamas \u012fmon\u0117s \u201ekraujotakos\u201c sistema? Ko gero, daugeliui verslinink\u0173 nebus sud\u0117tinga atsakyti, kad tai \u2013 apyvartinis kapitalas.<\/h2>\n<h4>Ta\u010diau kalbai pasisukus apie tai, kaip j\u012f tinkamai valdyti, galima i\u0161girsti neb\u016btinai teising\u0173 id\u0117j\u0173. Jauno ir smulkaus verslo savininkams da\u017enai pritr\u016bksta patirties valdant l\u0117\u0161\u0173 srautus.<\/h4>\n<p> Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje Edmundas Volskis pateikia kelet\u0105 patarim\u0173, kurie pad\u0117s generuoti stabilius finansinius srautus ir nepatirti apyvartini\u0173 l\u0117\u0161\u0173 stokos.<\/p>\n<p>Paprastais \u017eod\u017eiais tariant, apyvartiniu kapitalu laikomi \u012fmon\u0117s pinigai, lik\u0119 padengus einam\u0105sias i\u0161laidas. \u0160ie pinigai gali b\u016bti naudojami kasdien\u0117ms veiklos operacijoms, verslo augimui finansuoti ir investicijoms.<\/p>\n<p>Mok\u0117ti tinkamai valdyti apyvartin\u012f kapital\u0105 nei\u0161vengiama ir svarbu d\u0117l keli\u0173 prie\u017eas\u010di\u0173: norint s\u0117kmingai pl\u0117sti \u012fmon\u0117s veikl\u0105 ir pasiekti auk\u0161tesn\u012f pelningum\u0105, u\u017etikrinti skland\u0173 bendradarbiavimo proces\u0105 su tiek\u0117jais, kreditoriais bei darbuotojais, gerinti verslo reputacij\u0105. Tai itin aktualu augan\u010diam arba jaunam verslui, kuriam tradicini\u0173 finansuotoj\u0173, bank\u0173, reikalavimai gali b\u016bti sunkiau \u012fkandami arba apskritai ne\u012fgyvendinami. Tad nuo ko prad\u0117ti?<\/p>\n<p>&nbsp;<\/p>\n<h2>Dabartin\u0117s situacijos \u012fvertinimas<\/h2>\n<p>Pirmas \u017eingsnis \u2013 esamos b\u016bkl\u0117s \u012fvertinimas. Norint nustatyti dabartin\u012f \u012fmon\u0117s apyvartinio kapitalo rodikl\u012f reikia apskai\u010diuoti skirtum\u0105 tarp trumpalaikio turto ir trumpalaiki\u0173 \u012fsipareigojim\u0173.<\/p>\n<p>\u201eGautas skirtumas turi b\u016bti optimalus, t. y. nei per didelis, nei per ma\u017eas. Da\u017enai manoma, kad kuo didesnis teigiamas apyvartinis kapitalas \u2013 tuo geriau. Ta\u010diau pamir\u0161tama, jog labai didelis rodiklis gali signalizuoti apie neefektyviai valdom\u0105 trumpalaik\u012f turt\u0105, pavyzd\u017eiui, per didel\u012f atsarg\u0173 lyg\u012f, per ilgus taikomus atid\u0117jimus savo u\u017esakovams. Neigiamas apyvartinis kapitalas rodo, jog \u012fmonei tr\u016bksta l\u0117\u0161\u0173 skland\u017eiai veiklai u\u017etikrinti\u201c, \u2013 atkreipia d\u0117mes\u012f E. Volskis.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tinkamas finans\u0173 valdymas<\/h2>\n<p>\u0160iame etape pravartu paskirti atsakingus asmenis arba organizuoti vidaus audito skyri\u0173, kurie nuolat steb\u0117s \u012fmon\u0117s veikl\u0105 ir teiks ataskaitas, reikalingas valdymo sprendimams bei j\u0173 korekcijoms priimti.<\/p>\n<p>Pirmiausia, visos \u012fmon\u0117s patiriamos i\u0161laidos turi b\u016bti nuolat vertinamos ir per\u017ei\u016brimos. Nuolatin\u0117 i\u0161laid\u0173 analiz\u0117 leis operatyviai atsisakyti neb\u016btiniausi\u0173 i\u0161laid\u0173 tam tikru laikotarpiu, o tai lems apyvartinio kapitalo did\u0117jim\u0105. \u201ePastarasis \u017eingsnis itin reik\u0161mingas \u0161iuo, vis dar sunkiai prognozuojamu metu. Ekonomikos nuosmukio laikotarpiu b\u016btina per\u017ei\u016br\u0117ti \u012fmon\u0117s ka\u0161t\u0173 strukt\u016br\u0105, susilaikyti nuo ne pirmo b\u016btinumo investicij\u0173, atsisakyti papildom\u0173 paslaug\u0173 ar preki\u0173 pirkimo. Pavyzd\u017eiui, d\u0117l karantino bei tebesit\u0119sian\u010dios pandemijos da\u017enai atsisakoma i\u0161laid\u0173 perteklin\u0117ms biuro reikm\u0117ms, \u012fmon\u0117s renginiams. Visos \u0161ios l\u0117\u0161os nukreipiamos b\u016btinosioms i\u0161laidoms kompensuoti\u201c, \u2013 komentuoja E. Volskis.<\/p>\n<p>Prekybos \u012fmoni\u0173 kain\u0173 politika taip pat turi b\u016bti reguliariai per\u017ei\u016brima. Kainos turi b\u016bti priimtinos ne tik vartotojams, bet ir ne\u0161ti peln\u0105.<\/p>\n<p>&nbsp;<\/p>\n<h2>Veiksm\u0173 planas<\/h2>\n<p>Jame turi ai\u0161kiai atsispind\u0117ti, kaip ir kas bus daroma \u012fmon\u0117s veiklai tobulinti. Tam tikslui b\u016btina tur\u0117ti i\u0161matuojam\u0105 veiksm\u0173 plan\u0105 su konkre\u010diais rezultatais, kurie turi b\u016bti pasiekti per ai\u0161kiai apibr\u0117\u017et\u0105 laik\u0105.<\/p>\n<p>\u201eRengiant veiklos pl\u0117tros planus ir ateinan\u010di\u0173 met\u0173 arba ketvir\u010dio biud\u017eetus, i\u0161sikelkite tikslus, apibr\u0117\u017eian\u010dius laisv\u0173 l\u0117\u0161\u0173 lyg\u012f, kur\u012f norite pasiekti per tam tikr\u0105 laikotarp\u012f. Ai\u0161k\u016bs rodiklio tikslai \u012fpareigos \u012fd\u0117miau sekti pinig\u0173 srautus\u201c, \u2013 pataria specialistas.<\/p>\n<p>Anot jo, pagrindin\u0117s veiklos, kurioms turi b\u016bti parengti planai, siekiant padidinti apyvartin\u012f kapital\u0105, yra \u0161ios:<\/p>\n<p>&nbsp;<\/p>\n<h3>S\u0105skait\u0173 apmok\u0117jimo sistemos prie\u017ei\u016bra<\/h3>\n<p>U\u017esibr\u0117\u017ekite sutrumpinti apmok\u0117jim\u0173 gavimo terminus. Tai galima pasiekti taikant \u012fvairias priemones: nuolaidas, sukuriant reguliari\u0173 priminim\u0173 apmok\u0117ti s\u0105skaitas sistem\u0105, pasinaudojant s\u0105skait\u0173 finansavimo paslauga.<\/p>\n<p>&nbsp;<\/p>\n<h3>Atsiskaitymas ir pinig\u0173 surinkimas<\/h3>\n<p>Padarykite atsiskaitymo proces\u0105 klientams kiek \u012fmanoma paprastesn\u012f. Leiskite u\u017e prekes atsiskaityti \u012fvairiais b\u016bdais, \u012fskaitant kreditines korteles, tarptautines atsiskaitymo sistemas.<\/p>\n<p>Pasitikrinkite, ar kas nors i\u0161 j\u016bs\u0173 tiek\u0117j\u0173 gali suteikti lankstesnius atsiskaitymo terminus.<\/p>\n<p>Stenkit\u0117s i\u0161d\u0117lioti mok\u0117jimus per laikotarp\u012f, o ne atsiskaityti su visais vienu metu. Pirmiausia, susiplanuokite apmok\u0117ti svarbiausius fiksuotus \u012fsipareigojimus: darbo u\u017emokest\u012f, mokes\u010dius.<\/p>\n<p>&nbsp;<\/p>\n<h3>Skol\u0173 valdymas<\/h3>\n<p>U\u017edelstos apmok\u0117ti skolos da\u017enai tampa \u012fmoni\u0173, ypa\u010d su apyvartinio kapitalo tr\u016bkumu, problema. Nuspr\u0119skite i\u0161 anksto, kaip tvarkysit\u0117s su pradelstais mok\u0117jimais. Pasitvirtinkite pradelst\u0173 skol\u0173 valdymo politik\u0105 ir vadovaukit\u0117s ja bei i\u0161 karto numatykite, ko imsit\u0117s, jei klientas dels sumok\u0117ti per atitinkam\u0105 dien\u0173 skai\u010di\u0173.<\/p>\n<p>\u201eReikia nepamir\u0161ti, kad kiekvienas verslas, suteikdamas apmok\u0117jimo atid\u0117jim\u0105 u\u017e parduotas prekes ar paslaugas, susiduria su kredito rizika. Suteikiant apmok\u0117jimo atid\u0117jim\u0105 b\u016btina \u012fvertinti u\u017esakovo neatsiskaitymo galimyb\u0119 \u2013 pasidom\u0117ti u\u017esakovo finansine b\u016bkle, pabendrauti su rinkos dalyviais, \u012fvertinti vadovo reputacij\u0105, perskaityti vie\u0161us atsiliepimus, taikyti kredito limit\u0173 sistem\u0105. Norint visi\u0161kai eliminuoti u\u017esakovo neatsiskaitymo rizik\u0105 b\u016btina drausti savo gautinas sumas draudimo bendrov\u0117se\u201c, \u2013 rekomenduoja E. Volskis.<\/p>\n<p>&nbsp;<\/p>\n<h3>Atsarg\u0173 valdymas<\/h3>\n<p>Steb\u0117kite liku\u010dius sand\u0117lyje ir venkite u\u017esipirkti didelius kiekius bei juos sand\u0117liuoti, jei dar neturite klient\u0173, kurie juos pirks.<\/p>\n<p>Per didelis atsarg\u0173 lygis gali lemti nuostolius atsarg\u0173 paklausai ma\u017e\u0117jant, kei\u010diantis rinkos poreikiams arba tiesiog atsargoms senstant. Pagelb\u0117ti valdyti atsargas gali atsarg\u0173 valdymo sistemos, kurios padeda palaikyti optimal\u0173 atsarg\u0173 lyg\u012f, atlikti inventorizacijos proces\u0105.<\/p>\n<p>\u201eNorint i\u0161laikyti geros \u012fmon\u0117s \u012fvaizd\u012f kreditori\u0173 akyse b\u016btina nelikvid\u017eias atsargas nura\u0161yti arba parduoti su didesne nuolaida laikinai patiriant veiklos nuostoli\u0173. Kreditoriai vertina pinig\u0173 sraut\u0105 i\u0161 pagrindin\u0117s veiklos, tod\u0117l matydami reali\u0105 \u012fmon\u0117s finansin\u0119 b\u016bkl\u0119 gali priimti geresnius sprendimus, atliepian\u010dius j\u016bs\u0173 verslo poreikius\u201c, \u2013 atkreipia d\u0117mes\u012f \u201eFactris\u201c Rizikos skyriaus vadovas Lietuvoje.<\/p>\n<p>&nbsp;<\/p>\n<h3>Gamybos ir tiekimo grandin\u0117s supaprastinimas<\/h3>\n<p>Reguliariai tobulinkite gamybos proces\u0105, ie\u0161kokite b\u016bd\u0173 supaprastinti preki\u0173 pristatym\u0105 klientams \u2013 tai leis sutaupyti papildom\u0173 l\u0117\u0161\u0173.<\/p>\n<p>&nbsp;<\/p>\n<h2>Veiklos tobulinimas ir gerais, ir blogesniais laikais<\/h2>\n<p>Verslas negali stov\u0117ti vietoje. Parengti planai, teikiamos ataskaitos turi b\u016bti reguliariai per\u017ei\u016brimi ir ie\u0161koma nauj\u0173 veiklos gerinimo galimybi\u0173. Net ir ma\u017ei teigiami poky\u010diai atitinkamose \u012fmon\u0117s veiklos srityse lems apyvartinio kapitalo did\u0117jim\u0105 bei u\u017etikrins ilgalaik\u0119 verslo s\u0117km\u0119.<\/p>\n<p>\u201eApyvartinis kapitalas ir jo elementai turi b\u016bti valdomi ir gerais, ir blogais laikais. Ta\u010diau verta prisiminti, kad ekonominio nuosmukio metu dar didesn\u0119 reik\u0161m\u0119 \u012fgauna skaidrumas ir komunikacija. B\u016btina bendrauti su kreditoriais, kredito draudimo bendrov\u0117mis, laiku indikuoti, jei verslas turi problem\u0173, der\u0117tis d\u0117l apmok\u0117jim\u0173 atid\u0117jim\u0173. Atsiminkite, jog kreditorius neturi intereso su\u017elugdyti verslo, ta\u010diau savo konsultacijomis ir id\u0117jomis gali pad\u0117ti priimti esminius sprendimus, leid\u017eian\u010dius i\u0161laikyti verslo gyvybingum\u0105. Taip pat reikia nepamir\u0161ti ir savo tiek\u0117j\u0173, pirk\u0117j\u0173, juos aplankyti, pristatyti \u012fmon\u0117s esam\u0105 b\u016bkl\u0119, veiklos perspektyvas, galimas bendradarbiavimo problemas ir galimybes\u201c, \u2013 pataria pa\u0161nekovas.<\/p>\n<p>Jis priduria, kad net ir ekonominio pakilimo laikotarpiu verta pasir\u016bpinti i\u0161oriniu finansavimu nenumatytiems atvejams finansuoti. Atsi\u017evelgiant \u012f \u012fmon\u0117s poreik\u012f ir veiklos principus gali b\u016bti pasirinkti \u0161ie apyvartinio kapitalo finansavimo produktai: <a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">faktoringas<\/a>, paskola apyvartin\u0117ms l\u0117\u0161oms, kredito linija, overdraftas.<\/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; 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_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#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=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kaip vadinamas kiekvienam verslui svarbus finans\u0173 rodiklis, neretai \u012fvardijamas \u012fmon\u0117s \u201ekraujotakos\u201c sistema? Ko gero, daugeliui verslinink\u0173 nebus sud\u0117tinga atsakyti, kad tai \u2013 apyvartinis kapitalas. Ta\u010diau kalbai pasisukus apie tai, kaip j\u012f tinkamai valdyti, galima i\u0161girsti neb\u016btinai teising\u0173 id\u0117j\u0173. Jauno ir smulkaus verslo savininkams da\u017enai pritr\u016bksta patirties valdant l\u0117\u0161\u0173 srautus. Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21341,"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. 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><\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Patarimai verslui, kaip padidinti \u012fmon\u0117s apyvartin\u012f kapital\u0105<\/title>\n<meta name=\"description\" content=\"Ar visi verslininkai \u017eino, kaip tinkamai valdyti apyvartin\u012f kapital\u0105? 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