[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_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
Kaip apsisaugoti nuo pirk\u0117j\u0173 nemokumo, jei jie bankrutuoja, ar tiesiog ty\u010dia vengia su Jumis atsiskaityti? \u010cia gali pad\u0117ti prekini\u0173 kredit\u0173 draudimas.<\/p>\n
Prekini\u0173 kredit\u0173 draudimo objektas \u2013 skolininko debitorinis \u012fsiskolinimas kreditoriui, atsirad\u0119s jam prista\u010dius prekes ar suteikus paslaugas. Kredit\u0173 draudikai\u00a0draudimo polisu\u00a0garantuoja, kad draud\u0117jo pirk\u0117jui tapus nemokiu,\u00a0prievol\u0117\u00a0vis tiek bus \u012fvykdyta \u2013 draud\u0117jas gaus draudimo i\u0161mok\u0105 ir tod\u0117l nuostoli\u0173 nepatirs. Kliento nemokumo atveju, draudimo kompanija i\u0161moka draud\u0117jui nuo 75 iki 90 proc. nuostoli\u0173 sumos.<\/p>\n
Taigi kredit\u0173 draudimas apsaugo versl\u0105 nuo vieno ar keli\u0173 klient\u0173 nemokumo rizikos ir leid\u017eia i\u0161vengti blog\u0173 skol\u0173. Be to, apsidraudus prekini\u0173 kredit\u0173 draudimu Jums nereikia gai\u0161ti laiko renkant duomenis apie pirk\u0117j\u0105 bei tikrinant jo mokum\u0105 \u2013 tai atlieka draudimo kompanija. Nes\u0117km\u0117s atveju draudimo kompanija taip pat atlieka skol\u0173 i\u0161ie\u0161kojim\u0105, tad da\u017enai padeda susigr\u0105\u017einti pinigus dar prie\u0161 i\u0161mokant draudimo i\u0161mok\u0105. O tur\u0117dami prekinio kredito draudim\u0105 visada gausite palankesnes faktoringo bei s\u0105skait\u0173 finansavimo paslaug\u0173 s\u0105lygas.<\/p>\n
Prekinio kredito draudimas negali apsaugoti verslo tik tuo atveju, jei klientas yra valstybin\u0117 institucija ar su draud\u0117ju susijusi \u012fmon\u0117 \u2013 tokiu atveju kreditai nedraud\u017eiami. Taip pat \u0161i paslauga neteikiama ir tada, kai klientas yra jauna, ma\u017eiau nei vienerius metus veikianti \u012fmon\u0117.<\/p>\n
Sudarant kredito draudimo sutart\u012f, draudimo kompanija kiekvienam pirk\u0117jui suteikia atitinkam\u0105 kredito limit\u0105. Kredito limitas \u2013 tai did\u017eiausias \u012fsiskolinimo dydis, kuris gali b\u016bti apdraustas konkre\u010diam pirk\u0117jui.<\/p>\n
Naudojimasis prekini\u0173 kredit\u0173 draudimu apsaugo \u012fmon\u0119 nuo netik\u0117t\u0173 nuostoli\u0173, palengvina pinig\u0173 sraut\u0173 planavim\u0105 bei suma\u017eina s\u0105skait\u0173 apmok\u0117jim\u0173 administravimo ka\u0161tus. \u0160ia apsauga galima naudotis siekiant apsidrausti tiek nuo \u0161alies, tiek nuo u\u017esienio klient\u0173 nemokumo rizikos.<\/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":"
Kai parduodate prekes ar suteikiate paslaugas, niekada negalite b\u016bti tikras, ar klientas u\u017e tai sumok\u0117s. Nemokumo rizika ypa\u010d i\u0161auga, jei dirbate su nenuolatiniais klientais, o duomenys apie j\u0173 kreditingum\u0105 ir finansin\u0119 b\u016bkl\u0119 Jums n\u0117ra prieinami. Kaip apsisaugoti nuo pirk\u0117j\u0173 nemokumo, jei jie bankrutuoja, ar tiesiog ty\u010dia vengia su Jumis atsiskaityti? \u010cia gali pad\u0117ti prekini\u0173 kredit\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":21263,"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":[38],"tags":[106],"yoast_head":"\n