{"id":7046,"date":"2020-03-31T14:52:00","date_gmt":"2020-03-31T14:52:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7046"},"modified":"2023-01-10T08:15:45","modified_gmt":"2023-01-10T08:15:45","slug":"sezoninio-verslo-ypatumai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/sezoninio-verslo-ypatumai\/","title":{"rendered":"Sezoninis verslas: ar per kelis m\u0117nesius galima u\u017esidirbti visiems metams?"},"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

Nepaisant vis\u0105 pasaul\u012f \u0161iuo metu u\u017eklupusios neeilin\u0117s situacijos, at\u0117j\u0119s pavasaris \u2013 sezoninio verslo etapas, kuris \u0161\u012fkart neatsiejamas nuo papildom\u0173 i\u0161\u0161\u016bki\u0173.<\/h2>\n

 <\/p>\n

Vieni sp\u0117jo jam pasiruo\u0161ti dar prie\u0161 paskelbiant karantin\u0105, kiti pav\u0117lav\u0119 tur\u0117s prat\u0119sti planavimo ir pasiruo\u0161imo darbus pandemijos metu arba tuomet, kai karantinas praeis.<\/p>\n

Sezoninis verslas neretai pasi\u017eymi didesne rizika, kadangi jam reikia didesni\u0173 i\u0161laid\u0173 iki prek\u0117s ar paslaugos suteikimo, b\u016btina geb\u0117ti tinkamai prognozuoti paklaus\u0105, suplanuoti logistikos, sand\u0117liavimo, darbo j\u0117gos valdymo procesus. Ma\u017ea to, priklausomai nuo veiklos srities, reikia prognozuoti net orus, mad\u0105, tendencijas, rinkos poky\u010dius. O k\u0105 jau kalb\u0117ti apie nenusp\u0117jamas aplinkybes, kurios u\u017eklumpa versl\u0105 netik\u0117tai kaip dabar paskelbtas karantinas.<\/p>\n

 <\/p>\n

Kam labiausiai reikia sezoninio finansavimo?<\/h2>\n

Tik\u0117tina, jog \u0161iuo metu papildomas kapitalas bus reikalingas did\u017eiajai daliai \u012fmoni\u0173 Lietuvoje, ta\u010diau sezoninio verslo i\u0161\u0161\u016bkiai labiausiai b\u016bdingi statyb\u0173 verslui, kuris paprastai darbo turi visus metus, bet pavasaris \u2013 vasara \u2013 ruduo b\u016bna \u201e\u012fkar\u0161\u010dio\u201c metas, taip pat \u2013 \u017eem\u0117s \u016bkio produkcij\u0105 auginan\u010dioms \u012fmon\u0117ms. B\u016btent \u0161ios da\u017eniausiai kreipiasi d\u0117l papildomo finansavimo galimybi\u0173.<\/p>\n

Met\u0173 laikai turi \u012ftakos ir didmenin\u0117s prekybos \u012fmon\u0117ms, kurios i\u0161 anksto turi \u012fsigyti tam tikro sezono preki\u0173. \u0160i\u0173 \u012fmoni\u0173 dalis faktoringo portfelyje, m\u016bs\u0173 duomenimis, per trejus metus augo beveik 3 kartus ir pernai met\u0173 pabaigoje sudar\u0117 22 proc. Taip pat prie\u0161 pavasar\u012f bei vasar\u0105 suintensyv\u0117ja keli\u0173 tiesimo, tilt\u0173 remonto (infrastrukt\u016bros statybos), kasybos srities \u012fmon\u0117s.<\/p>\n

 <\/p>\n

Neapibr\u0117\u017etumas vis sunkiau valdomas<\/h2>\n

Sezoninis verslas savo veikl\u0105 planuoja remdamasis istoriniais duomenimis, bet tai neapsaugo nuo neapibr\u0117\u017etumo. \u0160tai realus pavyzdys, iliustruojantis vien\u0105 i\u0161 problemini\u0173 situacij\u0173, su kuria susiduria tokie verslai.<\/p>\n

Pavyzd\u017eiui, ma\u017emenine avalyn\u0117s prekyba u\u017esiiman\u010dios \u012fmon\u0117s \u017eiemos sezonui pradeda ruo\u0161tis dar vasar\u0105, t. y., pasiremdamos ankstesni\u0173 met\u0173 pardavimu ir mados tendencijomis, parenka bat\u0173 modelius, suderina kiek\u012f su tiek\u0117jais, transportuoja ir sand\u0117liuoja prekes. Kitaip tariant, pasiruo\u0161ia art\u0117jan\u010diam sezonui ir galimam \u017eiemini\u0173 bat\u0173 paklausos augimui. Ta\u010diau, kaip \u017einia, klimatas \u0161yla, \u017eiema v\u0117luoja arba apskritai neateina. Tod\u0117l \u017eiemin\u0117s avalyn\u0117s pardavimai nepasiekia prognozuoto lygio, jie ma\u017e\u0117ja arba nusikelia kelis m\u0117nesius. D\u0117l to tenka ilgiau sand\u0117liuoti prekes, negaunama planuot\u0173 \u012fplauk\u0173 kitoms sezono prek\u0117ms \u012fsigyti. Ta\u010diau \u012fmonei, siekiant i\u0161laikyti kuo ma\u017eesnius pajam\u0173 svyravimus, reikia reaguoti \u010dia ir dabar \u2013 atnaujinti nuolaid\u0173 politik\u0105, gauti papildom\u0173 apyvartini\u0173 l\u0117\u0161\u0173, kad i\u0161gyvent\u0173 v\u0117luojant\u012f sezon\u0105 ir pasirengt\u0173 naujam.<\/p>\n

\u017dvelgiant \u012f \u0161i\u0173 dien\u0173 aktualijas, verslas susiduria su kitu neapibr\u0117\u017etumu \u2013 greitai plintan\u010diu koronavirusu. Net analizuojant t\u0105 pat\u012f ma\u017emenin\u0117s prekybos avalyne \u012fmon\u0117s pavyzd\u012f galima pasteb\u0117ti dideles gr\u0117smes. Vyriausybei paskelbus karantin\u0105 buvo u\u017edarytos visos fizin\u0117s prekybos vietos, lankytoj\u0173 srautas i\u0161nyko, pajam\u0173 \u012fmon\u0117s i\u0161 fizini\u0173 parduotuvi\u0173 nebegeneruoja. Ta\u010diau \u012fmon\u0117s vis dar patiria fiksuotus ka\u0161tus, t. y. nuomos, darbuotoj\u0173 alg\u0173 s\u0105naudas, komunalinius mokes\u010dius, moka mokes\u010dius valstybei (jei nebus gauta lengvata ir nebus atid\u0117ti mok\u0117jimai).<\/p>\n

I\u0161tikus tokiai situacijai b\u016btina tur\u0117ti l\u0117\u0161\u0173 \u201epagalv\u0119\u201c, kuri leist\u0173 i\u0161silaikyti kiek \u012fmanoma ilgiau rinkoje, kol pager\u0117s ekonomikos situacija. \u012emon\u0117ms taip pat reikia greitai reaguoti \u012f besikei\u010dian\u010dius rinkos poreikius, perkelti veikl\u0105 \u012f elektronin\u0119 prekyb\u0105 bei u\u017etikrinti tiekim\u0105 vartotojams. Kitos gali priimti nestandartini\u0173 sprendim\u0173, pavyzd\u017eiui, persikvalifikuoti ir trumpuoju periodu parduoti didel\u0119 paklaus\u0105 turin\u010dias prekes, tokias kaip veido kaukes ar vienkartines pir\u0161tines apsaugai.<\/p>\n

Tokie neapibr\u0117\u017etumai ir verslo sunkumai neretai ma\u017eina \u012fmon\u0117s galimybes skolintis pas tradicinius finansuotojus. Be to, norint gauti paskol\u0105 paprastai reikia tur\u0117ti solid\u017ei\u0105 pelningos \u012fmon\u0117s veiklos istorij\u0105 bei u\u017estatyti turt\u0105, kurio sezoninio verslo atstovai ne visada turi. Ta\u010diau tai nerei\u0161kia, kad reikia nuleisti rankas, \u0161iuo metu, be bank\u0173, yra daug finansavimo alternatyv\u0173.<\/p>\n

 <\/p>\n

Kaip valdyti rizik\u0105?<\/h2>\n

Stabilias pajamas ir pardavimus turintys verslai gali grei\u010diau reaguoti \u012f kintan\u010di\u0105 paklaus\u0105 ar poky\u010dius, o sezoniniam verslui, nepaisant neapibr\u0117\u017etumo, reikalingas maksimaliai tikslus planavimas, kartais netgi nuojauta.<\/p>\n

Pagrindin\u0117s klaidos, kurios nuolat kartojasi, yra netinkamai daromos prielaidos ruo\u0161iant prognozes d\u0117l preki\u0173 ar paslaugos paklausos, blogai suplanuoti darbo j\u0117gos resursai, nepakankamas l\u0117\u0161\u0173 rezervas, nesuplanuoti papildomi finansiniai instrumentai nenumatytiems atvejams, prastas sand\u0117lio ir logistikos valdymas. Visa tai turi b\u016bti kruop\u0161\u010diai apgalvota dar prie\u0161 prasidedant sezonui.<\/p>\n

Prie\u0161 \u201e\u012fkar\u0161\u010dio\u201c sezon\u0105, remiantis keli\u0173 pra\u0117jusi\u0173 met\u0173 duomenimis, b\u016btina suplanuoti kito laikotarpio pajamas, i\u0161laidas bei apyvartinio kapitalo poreik\u012f. Reikia nepamir\u0161ti atsi\u017evelgti \u012f ekonomikos bei darbo rinkos poky\u010dius. Tai pad\u0117s i\u0161vengti netik\u0117tum\u0173. \u0160is laikotarpis taip pat tinkamas darbuotoj\u0173 mokymui, produkt\u0173 k\u016brimui, nauj\u0173 metod\u0173 ar technologij\u0173 pritaikymui. Tai pad\u0117s dar tvir\u010diau \u012fsitvirtinti rinkoje.<\/p>\n

B\u016btina numatyti ir \u201eneplanuot\u0173 i\u0161laid\u0173\u201c eilut\u0119, kuri, patartina, atitikt\u0173 5-10 proc. i\u0161laid\u0173 dyd\u012f.<\/p>\n

Kita da\u017ena sezoninio verslo 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 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. \u0160\u012f finansavimo b\u016bd\u0105 galima skirti veiklos i\u0161laidoms padengti, kitoms prek\u0117ms \u012fsigyti ar strateginiam augimui.<\/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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Nepaisant vis\u0105 pasaul\u012f \u0161iuo metu u\u017eklupusios neeilin\u0117s situacijos, at\u0117j\u0119s pavasaris \u2013 sezoninio verslo etapas, kuris \u0161\u012fkart neatsiejamas nuo papildom\u0173 i\u0161\u0161\u016bki\u0173.   Vieni sp\u0117jo jam pasiruo\u0161ti dar prie\u0161 paskelbiant karantin\u0105, kiti pav\u0117lav\u0119 tur\u0117s prat\u0119sti planavimo ir pasiruo\u0161imo darbus pandemijos metu arba tuomet, kai karantinas praeis. Sezoninis verslas neretai pasi\u017eymi didesne rizika, kadangi jam reikia didesni\u0173 i\u0161laid\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":21302,"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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