[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
Tai viena seniausi\u0173 verslo finansavimo form\u0173, kuria naudojosi dar senov\u0117s Mesopotamijos gyventojai. \u0160io s\u0105skait\u0173 finansavimo b\u016bdo populiarumas pama\u017eu augo ir dabar jis naudojamas visame pasaulyje.<\/p>\n
<\/p>\n
Faktoringas arba s\u0105skait\u0173 finansavimas<\/a>\u00a0\u2013 vienas labiausiai paplitusi\u0173 ir lengviausi\u0173 b\u016bd\u0173 valdyti \u012fmon\u0117s pinig\u0173 srautus ir grei\u010diau gauti pinigus u\u017e prekes ar paslaugas. Tai ypa\u010d naudinga \u012fmon\u0117ms, dirban\u010dioms su dideliais u\u017esakymais bei naujai \u012fsteigtoms, spar\u010diai besivystan\u010dioms \u012fmon\u0117ms.\u00a0Faktoringas\u00a0<\/a>\u00a0tai yra tiesiogiai susij\u0119s su pardavim\u0173 apimtimis\u00a0\u2013 kuo didesni pardavimai, tuo didesn\u0117s finansuojamos sumos.<\/p>\n \u0160iame straipsnyje faktoringo ir s\u0105skait\u0173 finansavimo s\u0105vokos naudojamos neatsiejamai.<\/p>\n <\/p>\n Atkreipkite d\u0117mes\u012f, jog mokestis u\u017e faktoringo paslaug\u0105 n\u0117ra fiksuotas, kiekviena \u0161ias paslaugas teikianti bendrov\u0117 nusistato savo norm\u0105, tod\u0117l prie\u0161 naudodamiesi j\u0173 paslaugomis \u012fsitikinkite, jog n\u0117ra pasl\u0117pt\u0173 mokes\u010di\u0173 ir supratote visus taikomus mokes\u010dius.<\/p>\n <\/p>\n Pana\u0161iai kaip ir vis\u0173 kit\u0173 tip\u0173 finansavime, prie\u0161 priimant sprendim\u0105 naudotis faktoringo paslaugomis, reikia atid\u017eiai apsvarstyti visus pliusus ir minusus. J\u016bs turite \u017einoti ir suprasti visas faktoringo s\u0105lygas, kad gal\u0117tum\u0117te objektyviai \u012fvertinti \u0161ios paslaugos privalumus. \u0160tai pagrindiniai faktoringo privalumai ir tr\u016bkumai:<\/p>\n Pliusas. Greitas kapitalo apyvartumas \u2013 spartus \u012fmon\u0117s augimas<\/strong><\/p>\n Naudodamiesi faktoringo paslauga pinigus u\u017e i\u0161ra\u0161yt\u0105 s\u0105skait\u0105 gausite grei\u010diau nei per 5 dienas (priklausomai nuo faktoringo kompanijos, \u0161is terminas gali b\u016bti ir dar trumpesnis \u2013 1-3 dienos). Tai tikrai didelis privalumas, ypa\u010d jei J\u016bs\u0173 verslas spar\u010diai vystosi ir Jums labai reikalingos apyvartin\u0117s l\u0117\u0161os.<\/p>\n Pliusas. Nereikia priklausyti nuo paskolos s\u0105lyg\u0173<\/strong><\/p>\n Skirtingai nei tokioms institucijoms kaip bankai, faktoringo \u012fmon\u0117ms nereik\u0117s u\u017estato ar teigiamos J\u016bs\u0173 kredito istorijos. Tai svarbus pliusas jaunoms \u012fmon\u0117ms, kurios dar neturi galimyb\u0117s skolintis \u017eemomis pal\u016bkan\u0173 normomis ar garantuoti paskolos gr\u0105\u017einimo u\u017estatu.<\/p>\n Pliusas. Palankesn\u0117s atsiskaitymo s\u0105lygos klientams<\/strong><\/p>\n Naudodamiesi faktoringu gal\u0117site suteikti klientams ilgesnius s\u0105skait\u0173 apmok\u0117jimo terminus, taigi tapsite jiems patrauklesni ir gal\u0117site gauti palankesn\u0119 kain\u0105. Tuo tarpu patys pinigus gausite grei\u010diau ir gal\u0117site anks\u010diau atsiskaityti su tiek\u0117jais bei pasinaudoti j\u0173 teikiamomis nuolaidomis u\u017e greitesn\u012f atsiskaitym\u0105.<\/p>\n Pliusas. Ma\u017eesni skol\u0173 administravimo ka\u0161tai<\/strong><\/p>\n Jums kaip pardav\u0117jui gali b\u016bti sunku \u012fvertinti savo klient\u0173 mokum\u0105 bei finansin\u0119 b\u016bkl\u0119, tuo tarpu faktoringo paslaugas teikianti bendrov\u0117 turi i\u0161sami\u0105 duomen\u0173 baz\u0119 ir lengvai gali tai atlikti.<\/p>\n Be to, naudodamiesi faktoringu sutaupysite laiko skirto s\u0105skait\u0173 administravimui, kadangi Jums nebereik\u0117s sekti klient\u0173 atsiskaitym\u0173, si\u0173sti jiems priminim\u0173, tikrinti u\u017edelst\u0173 apmok\u0117jim\u0173 ir pan.<\/p>\n Minusas. Faktoringo kaina<\/strong><\/p>\n Nepaisant vis\u0173 faktoringo privalum\u0173, prie\u0161 priimdami sprendim\u0105 naudotis \u0161ia priemone turite \u012fvertinti jos kain\u0105. Da\u017eniausiai paslaugos kaina sudaro 2-3 proc. nuo s\u0105skaitos sumos, ta\u010diau jei J\u016bs\u0173 klientai laiku s\u0105skaitos neapmoka, \u0161i norma gali did\u0117ti. Tod\u0117l atkreipkite d\u0117mes\u012f \u012f visus faktoringo apskait\u0105 ir paslaugos \u012fkainius ir \u012fvertinkite bendr\u0105 faktoringo paslaugos kain\u0105.<\/p>\n <\/p>\n Yra dvi pagrindin\u0117s prie\u017eastys, kod\u0117l \u012fmon\u0117s naudojasi faktoringu \u2013 tai lengva ir greita. Norint pasinaudoti faktoringu Jums nereikia kreiptis \u012f dideles finans\u0173 institucijas, pildyti daugyb\u0117s dokument\u0173, rengti verslo plan\u0173 ir analizuoti vis\u0173 finansavimo s\u0105lyg\u0173. Taigi faktoringas yra puiki alternatyva kai pinig\u0173 reikia greitai, o \u012fmon\u0117 yra neseniai \u012fsteigta ir neturi ilgos prekybos istorijos.<\/p>\n <\/p>\n Faktoringas \u2013 tai tik didel\u0117ms \u012fmon\u0117ms.<\/strong><\/p>\n Da\u017enai manoma, kad faktoringu naudotis gali tik didel\u0117s kompanijos, ta\u010diau tai n\u0117ra tiesa. Smulkaus ir vidutinio verslo \u012fmon\u0117s sudaro did\u017ei\u0105j\u0105 faktoringo paslaug\u0173 vartotoj\u0173 dal\u012f. Faktoringas yra grei\u010diausias ir lengviausias b\u016bdas laiku patenkinti did\u0117jan\u010di\u0105 paklaus\u0105 pasinaudojant pagreitintu pinig\u0173 apyvartumu, tod\u0117l jis vis labiau populiar\u0117ja tarp nedideli\u0173 \u012fmoni\u0173 ir spar\u010diai augan\u010di\u0173 \u012fmoni\u0173.<\/p>\n Faktoringas nutolina Jus nuo klient\u0173.<\/strong><\/p>\n Klaidinanti nuomon\u0117 yra ir ta, jog faktoringas nutolina Jus nuo J\u016bs\u0173 klient\u0173. Yra prie\u0161ingai \u2013 naudodamiesi faktoringo paslaugomis J\u016bs galite vis\u0105 d\u0117mes\u012f skirti produkt\u0173 gamybai ar paslaug\u0173 teikimui ir geriau patenkinti vartotoj\u0173 poreikius.<\/p>\n Naudojantis faktoringu J\u016bs\u0173 \u012fmon\u0117 yra nestabili<\/strong><\/p>\n Daug \u017emoni\u0173 galvoja, kad jei \u012fmon\u0117 naudojasi i\u0161oriniais finansavimo \u0161altiniais, jos finansin\u0117 b\u016bkl\u0117 yra bloga. Ta\u010diau naudodamasi faktoringu arba s\u0105skait\u0173 finansavimu bei jo apskaita \u012fmon\u0117 kaip tik gali geriau planuoti savo pinig\u0173 srautus ir b\u016bti labiau finansi\u0161kai stabili, taigi nuomon\u0117 apie finansin\u012f nestabilum\u0105 t\u0117ra papras\u010diausias mitas.<\/p>\n <\/p>\n Remiantis Lietuvos bank\u0173 asociacijos (LBA) duomenimis, 2015 m. III ketv. faktoringo portfelis Lietuvoje pasiek\u0117 513.55 mln. Eur. Faktoringo portfelis susideda i\u0161 269 mln. Eur vietinio faktoringo ir 244 mln. Eur tarptautinio faktoringo portfelio. Faktoringo apyvarta 2015 m. III ketv. i\u0161augo iki 2290 mln. Eur, i\u0161 kurios vietinio faktoringo apyvarta sudar\u0117 44%. Bendra galiojan\u010di\u0173 faktoringo sutar\u010di\u0173 limit\u0173 suma siek\u0117 905 mln. Eur ir buvo panaudota 57% viso faktoringo limito. Per 2015 m. III ketv. naujai pasira\u0161yt\u0173 faktoringo sutar\u010di\u0173 limitai sudar\u0117 242 mln. Eur.<\/p>\n <\/p>\n Faktoringo apyvarta \u2013 Faktoriaus per ataskaitin\u012f laikotarp\u012f priimt\u0173 ir apmok\u0117t\u0173 (faktorizuot\u0173) PVM s\u0105skait\u0173 \u2013 fakt\u016br\u0173 suma.<\/p>\n Faktoringo portfelis \u2013 Faktoriaus priimt\u0173, ta\u010diau Pirk\u0117j\u0173 pilnai arba dalinai neapmok\u0117t\u0173 PVM s\u0105skait\u0173 \u2013 fakt\u016br\u0173 suma ataskaitinio laikotarpio pabaigai.<\/p>\n Faktoringo limitas \u2013 maksimali faktorizuojama vieno Pirk\u0117jo \u012fsiskolinim\u0173 Pardav\u0117jui suma, numatoma ilgalaik\u0117je faktoringo apskaitos sutartyje. DEBIFO finansuodamas smulk\u0173 ir vidutin\u012f versl\u0105 nenaudoja faktoringo limit\u0173.<\/p>\n Faktorizavimas \u2013 faktoringo sutartyje su Pardav\u0117ju nustatyta tvarka ir s\u0105lygomis piniginio reikalavimo teis\u0117s \u012f Pirk\u0117jo \u012fsiskolinim\u0105 u\u017e parduotas prekes ar suteiktas paslaugas, atlygintinis perleidimas Faktoriui (t.y. s\u0105skait\u0173 finansuotojui arba faktoringo paslaugos teik\u0117jui).<\/p>\n Faktorius \u2013 lizingo \u012fmon\u0117, bankas ar kita finansin\u0117 institucija, teikianti faktoringo paslaugas.<\/p>\n Faktorizuot\u0173 PVM s\u0105skait\u0173-fakt\u016br\u0173 skai\u010dius \u2013 skai\u010dius PVM s\u0105skait\u0173-fakt\u016br\u0173, pagal kurias faktoringo sutartyje nustatyta tvarka ir s\u0105lygomis Faktoriui buvo perleista kreditinio reikalavimo teis\u0117 \u012f Pirk\u0117jo \u012fsiskolinim\u0105 u\u017e parduotas prekes ir suteiktas paslaugas.<\/p>\n Pardav\u0117jas (klientas) \u2013 Lietuvoje registruotas \u016bkio subjektas, kuris faktoringo sutartimi perleid\u017eia Faktoriui jam priklausan\u010dius reikalavimus \u012f Pirk\u0117jo \u012fsiskolinimus.<\/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=”46px” header_2_line_height=”2em” 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":" Faktoringo istorija skai\u010diuoja jau daugiau kaip 4000 met\u0173 ir niekas nebeabejoja \u0161ios finansavimo priemon\u0117s nauda. Tai viena seniausi\u0173 verslo finansavimo form\u0173, kuria naudojosi dar senov\u0117s Mesopotamijos gyventojai. \u0160io s\u0105skait\u0173 finansavimo b\u016bdo populiarumas pama\u017eu augo ir dabar jis naudojamas visame pasaulyje. Kas tai yra\u00a0faktoringas? Faktoringas arba s\u0105skait\u0173 finansavimas\u00a0\u2013 vienas labiausiai paplitusi\u0173 ir lengviausi\u0173 b\u016bd\u0173 valdyti […]<\/p>\n","protected":false},"author":1,"featured_media":21249,"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":[31],"tags":[47],"yoast_head":"\nKaip veikia faktoringas?<\/h2>\n
\n
Faktoringo pliusai ir minusai<\/h2>\n
Faktoringo nauda J\u016bs\u0173 verslui<\/h2>\n
Faktoringo mitai<\/h2>\n
Faktoringo statistika<\/h2>\n
Faktoringo s\u0105vokos<\/h2>\n
Papasakokite savo verslo istorij\u0105<\/h2>\n
Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n