{"id":7044,"date":"2019-01-09T14:52:00","date_gmt":"2019-01-09T14:52:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7044"},"modified":"2023-01-10T08:40:32","modified_gmt":"2023-01-10T08:40:32","slug":"sesios-didziausios-svv-problemos","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/sesios-didziausios-svv-problemos\/","title":{"rendered":"6 did\u017eiausios smulkaus ir vidutinio verslo problemos"},"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_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

Smulkus ir vidutinis verslas (SVV) \u2013 \u0161alies ekonomikos pagrindas. Tokios \u012fmon\u0117s Lietuvoje sudaro daugiau nei 90 proc. vis\u0173 veikian\u010di\u0173 \u012fmoni\u0173.<\/h2>\n

\u201eDebifo\u201c jau kelet\u0105 met\u0173 teikia i\u0161manius apyvartinio kapitalo sprendimus smulkiam ir vidutiniam verslui, tad kasdien susiduria su \u012fmoni\u0173 savininkais, bendrauja su vadovais ir kartu padeda spr\u0119sti i\u0161kylan\u010dias verslo finansavimo problemas. Su kokiais i\u0161\u0161\u016bkiais \u0161iandien susiduria SVV subjektai ir kas stabdo s\u0117kming\u0105 j\u0173 augim\u0105?<\/p>\n

Atsakydami \u012f \u0161\u012f klausim\u0105 verslininkai da\u017eniausiai pamini \u0161ias problemas:<\/p>\n

 <\/p>\n

Kapitalo tr\u016bkumas<\/h2>\n

Riboti finansiniai i\u0161tekliai \u2013 tai kiekvienos \u012fmon\u0117s pl\u0117tros barjeras. Niekam ne paslaptis, jog da\u017enai verslas prasideda tik nuo id\u0117jos, nuo noro ka\u017ek\u0105 pakeisti, pagerinti, \u012fgyvendinti. O kiekvienos id\u0117jos \u012fgyvendinimui reikalingi pinigai ir investicijos. Ir net jei pavyksta pasinaudoti i\u0161or\u0117s finansavimo \u0161altiniais, sukaupti pakankamai l\u0117\u0161\u0173 verslo prad\u017eiai, kapitalo tr\u016bkumo problema nedingsta. V\u0117luojantys atsiskaitymai, nenumatytos i\u0161laidos, didesn\u0117s apimties u\u017esakymai sukuria apyvartinio kapitalo tr\u016bkum\u0105, d\u0117l kurio \u012fmon\u0117s veikla gali ne tik sutrikti, ta\u010diau kartais net atsidurti prie nemokumo ribos.<\/p>\n

 <\/p>\n

Ribotos skolinimosi galimyb\u0117s<\/h2>\n

Siekdamos i\u0161spr\u0119sti kapitalo tr\u016bkumo problem\u0105, \u012fmon\u0117s da\u017enai nusprend\u017eia pasinaudoti i\u0161or\u0117s finansavimo \u0161altiniais ir pasiskolinti l\u0117\u0161\u0173 investicijoms ar veiklos vykdymui. Ta\u010diau \u010dia susiduriama su kitu i\u0161\u0161\u016bkiu \u2013 skolinimosi galimyb\u0117s, ypa\u010d smulkioms ir vidutin\u0117ms \u012fmon\u0117ms bei neseniai \u012fsteigtoms \u012fmon\u0117ms yra labai ribotos. Norint gauti banko paskol\u0105 reikia tur\u0117ti solid\u017ei\u0105 pelningos \u012fmon\u0117s veiklos istorij\u0105 bei u\u017estatyti turt\u0105, kurio SVV \u012fmon\u0117s ne visada turi. Lietuvos banko duomenimis, 2018 m. antrame pusmetyje bankai atmet\u0117 daugiau nei pus\u0119 ma\u017e\u0173 \u012fmoni\u0173 pra\u0161ym\u0173 suteikti paskolas. Tad skolinimosi poreikiai gerokai vir\u0161ija bank\u0173 galimybes finansuoti smulk\u0173 ir vidutin\u012f versl\u0105, o skolinto kapitalo tr\u016bkumas stabdo ir riboja \u012fmoni\u0173 vystym\u0105si.<\/p>\n

 <\/p>\n

Da\u017enai besikei\u010dian\u010dios verslo s\u0105lygos<\/h2>\n

Planavimas ir prognozavimas<\/a>\u00a0versle yra \u012fmon\u0117s s\u0117km\u0117s pagrindas. Net ma\u017eiausia \u012fmon\u0117 planuoja savo i\u0161laidas, investicijas, vertindama turimus duomenis, prognozuoja \u012fmon\u0117s augimo perspektyvas. Ta\u010diau \u012fmon\u0117s nuolat susiduria su besikei\u010dian\u010diais mokes\u010diais, kylan\u010diu minimaliu darbo u\u017emokes\u010diu, naujais draudimais bei reikalavimais veiklos vykdymui. Kiekvienas pokytis sutrikdo veikl\u0105, sugai\u0161tama daug laiko kol prisitaikoma prie naujovi\u0173, o papildomos i\u0161laidos neigiamai veikia suplanuotus rezultatus.<\/p>\n

 <\/p>\n

Administracin\u0117 na\u0161ta verslui<\/h2>\n

Administracin\u0117 na\u0161ta \u2013 tai i\u0161laidos, kurias patiria \u012fmon\u0117s, vykdydamos teis\u0117s aktuose numatytus \u012fpareigojimus. \u012evairi\u0173 ataskait\u0173, pra\u0161ym\u0173, parai\u0161k\u0173 rengimas, informacijos rinkimas ir pateikimas valstybin\u0117ms institucijoms, form\u0173 pildymas ir tikslinimas \u2013 visa tai kainuoja ne tik brang\u0173 darbuotoj\u0173 darbo laik\u0105, ta\u010diau ir atitraukia juos nuo pagrindin\u0117s veiklos vykdymo. Administracin\u0117 na\u0161ta ypa\u010d sunki smulkioms ir vidutin\u0117ms \u012fmon\u0117ms, kuriose dirba nedaug darbuotoj\u0173, tod\u0117l kiekviena papildoma veikla bei darbo valanda jiems santykinai yra brangesn\u0117.<\/p>\n

 <\/p>\n

Darbo j\u0117gos tr\u016bkumas<\/h2>\n

Jau kuris laikas \u0161alies \u012fmon\u0117s susiduria su darbuotoj\u0173 tr\u016bkumo problema. \u0160i\u0105 problem\u0105 ypa\u010d padidino gyventoj\u0173 emigracija bei \u012f darbdavi\u0173 poreikius neorientuota \u0161vietimo politika, d\u0117l ko darbdaviams sunku rasti kvalifikuot\u0173 kai kuri\u0173 profesij\u0173 specialist\u0173. Nors apie \u0161ias problemas kalbama ne vienerius metus, kol kas akivaizd\u017ei\u0173 teigiam\u0173 poky\u010di\u0173 nesimato. Leidim\u0173 dirbti u\u017esienie\u010diams tvarka taip pat n\u0117ra lanksti, tad darbo j\u0117gos tr\u016bkumas ir artimoje ateityje i\u0161liks viena opiausi\u0173 smulkaus ir vidutinio verslo problem\u0173.<\/p>\n

 <\/p>\n

Stipr\u0117janti konkurencin\u0117 aplinka<\/h2>\n

\u0160iuolaikin\u0117s technologijos, leid\u017eian\u010dios u\u017esisakyti ir \u012fsigyti bet kuri\u0105 prek\u0119 i\u0161 bet kurios pasaulio \u0161alies, sukuria globali\u0105 konkurencij\u0105 visoms \u012fmon\u0117ms. Smulkioms ir vidutin\u0117ms \u012fmon\u0117ms, neturin\u010dioms masto ekonomijos prana\u0161umo, dideli\u0173 tarptautini\u0173 kompanij\u0173 konkurencija yra rimtas i\u0161\u0161\u016bkis. I\u0161likti ir s\u0117kmingai veikti tokiomis s\u0105lygomis gal\u0117s tik tos SVV \u012fmon\u0117s, kurios i\u0161naudos savo privalumus \u2013 lankstum\u0105, operatyvum\u0105, inovatyvum\u0105, orientacij\u0105 \u012f konkretaus pirk\u0117jo poreikius.<\/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

[\/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":"

Smulkus ir vidutinis verslas (SVV) \u2013 \u0161alies ekonomikos pagrindas. Tokios \u012fmon\u0117s Lietuvoje sudaro daugiau nei 90 proc. vis\u0173 veikian\u010di\u0173 \u012fmoni\u0173. \u201eDebifo\u201c jau kelet\u0105 met\u0173 teikia i\u0161manius apyvartinio kapitalo sprendimus smulkiam ir vidutiniam verslui, tad kasdien susiduria su \u012fmoni\u0173 savininkais, bendrauja su vadovais ir kartu padeda spr\u0119sti i\u0161kylan\u010dias verslo finansavimo problemas. Su kokiais i\u0161\u0161\u016bkiais \u0161iandien susiduria […]<\/p>\n","protected":false},"author":1,"featured_media":21273,"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":[36],"tags":[48],"yoast_head":"\nSu kokiomis problemomis susiduria smulkusis ir vidutinis verslas?<\/title>\n<meta name=\"description\" content=\"SVV sudaro daugiau nei 90 proc. vis\u0173 \u012fmoni\u0173. \u201eDebifo\u201c teikia apyvartinio kapitalo sprendimus verslui, padeda spr\u0119sti finansavimo problemas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factris.com\/lt\/naujienos\/sesios-didziausios-svv-problemos\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 did\u017eiausios smulkaus ir vidutinio verslo problemos\" \/>\n<meta property=\"og:description\" content=\"SVV sudaro daugiau nei 90 proc. vis\u0173 \u012fmoni\u0173. \u201eDebifo\u201c teikia apyvartinio kapitalo sprendimus verslui, 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