{"id":7313,"date":"2019-11-28T08:00:00","date_gmt":"2019-11-28T08:00:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7313"},"modified":"2023-01-10T08:20:18","modified_gmt":"2023-01-10T08:20:18","slug":"efektyvus-verslo-finansavimo-budai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/efektyvus-verslo-finansavimo-budai\/","title":{"rendered":"Smulkaus ir vidutinio verslo finans\u0173 i\u0161\u0161\u016bkiai: kaip juos efektyviai i\u0161spr\u0119sti?"},"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) neabejotinai yra pagrindin\u0117 m\u016bs\u0173 \u0161alies ekonomikos varomoji j\u0117ga.<\/h2>\n

Skai\u010diuojama, kad Lietuvoje \u0161is sektorius sudaro net 99,7 proc. vis\u0173 \u012fmoni\u0173. Jose sukurta apie 73 proc. vis\u0173 darbo viet\u0173. Tad toki\u0173 \u012fmoni\u0173 klest\u0117jimas kuria didel\u0119 prid\u0117tin\u0119 vert\u0119 visai valstybei. Ta\u010diau j\u0173 veiklos kelyje pasitaiko daug i\u0161\u0161\u016bki\u0173 \u2013 \u012fvairios permainos tiek vietos, tiek tarptautin\u0117je politikoje ir ekonomikoje priveda prie problemini\u0173 situacij\u0173, neretai lemian\u010di\u0173 neplanuot\u0105 baigt\u012f. Da\u017enos j\u0173, ypa\u010d pastaruoju metu, susijusios su finansais ir nepakankamomis galimyb\u0117mis juos gauti.<\/h4>\n

Faktoringo bendrov\u0117 \u201eFactris LT1\u201c kasdien bendradarbiaudama su SVV atstovais, susiduria su j\u0173 problemomis, kurias, kaip pastebi \u012fmon\u0117s vykdomasis direktorius Paulius Jauga, galima efektyviai i\u0161spr\u0119sti, tik reikia tinkamai pasiruo\u0161ti i\u0161 anksto.<\/p>\n

 <\/p>\n

V\u0117luojantys apmok\u0117jimai<\/h2>\n

\u0160i problema, kaip rodo \u012fvairios \u012fmoni\u0173 apklausos, kelia susir\u016bpinim\u0105 ne tik Lietuvos, bet ir visos Europos SVV bendrovi\u0173 vadovams. Didesn\u0117s \u012fmon\u0117s, neretai pasinaudodamos savo svoriu, i\u0161sireikalauja i\u0161 SVV ilgesni\u0173 s\u0105skait\u0173 apmok\u0117jimo termin\u0173 bei lankstesni\u0173 atsiskaitymo s\u0105lyg\u0173.<\/p>\n

\u201eRemiantis m\u016bs\u0173 turimais duomenimis, vidutinis Lietuvoje veikian\u010di\u0173 \u012fmoni\u0173 s\u0105skait\u0173 apmok\u0117jimo terminas, yra apie 52 dienos. Tiesa, neretai racional\u016bs apmok\u0117jimo terminai apra\u0161omi tik dokumentuose, o prakti\u0161kai atsiskaitymai i\u0161sit\u0119sia kur kas ilgiau. V\u0117lavimai neretai priklauso nuo sektoriaus specifikos\u201c, \u2013 pastebi P. Jauga.<\/p>\n

Anot jo, pavyzd\u017eiui, transporto sektoriuje \u012fprasta, jog apmok\u0117jimo terminas skai\u010diuojamas nuo transportavimo va\u017etara\u0161\u010di\u0173 original\u0173 pateikimo u\u017esakovui. \u201eNuolat girdime, jog pirk\u0117jai piktnaud\u017eiauja bei prasit\u0119sia apmok\u0117jimo terminus, sakydami es\u0105 dokument\u0173 originalai buvo gauti v\u0117liau. Juolab, transporto sektorius yra vienas i\u0161 ma\u017eiausiai patraukli\u0173 tradiciniams finansuotojams, tad tai dar labiau apsunkina sektoriuje veikian\u010di\u0173 SVV veikl\u0105. \u010cia gal\u0117t\u0173 praversti visi\u0161kai objektyvus patarimas \u2013 pasir\u016bpinkite i\u0161oriniu finansavimu kritiniams atvejams i\u0161 anksto. Tur\u0117kite variant\u0105 B. Pavyzd\u017eiui, s\u0105skait\u0173 finansavimas (faktoringas) ar priva\u010di\u0173 asmen\u0173 paskolos suteikia likvidumo \u012fmonei esant ilgiems pirk\u0117j\u0173 apmok\u0117jimo terminams\u201c, \u2013 pataria P. Jauga.<\/p>\n

 <\/p>\n

Finansini\u0173 kompetencij\u0173 tr\u016bkumas<\/h2>\n

\u201eI\u0161 praktikos galime pasakyti, kad toli gra\u017eu ne visos SVV \u012fmon\u0117s turi ai\u0161k\u0173 verslo ir finans\u0173 valdymo plan\u0105 bei tinkamai apmokytus finansininkus. Netgi tenka susidurti su tokiais atvejais, kai \u012fmoni\u0173 ar atitinkam\u0173 skyri\u0173 vadovai nesusid\u0117lioja ar nei\u0161mano apie savo veiklos procesus, negali argumentuoti finansini\u0173 ataskait\u0173 straipsni\u0173, atsakyti \u012f elementarius j\u0173 verslo specifikos klausimus. Tai nelabai rimtai atrodo ir tokiu atveju bendradarbiavimas su patikimais partneriais ne visada u\u017esimezga\u201c, \u2013 pastebi P. Jauga.<\/p>\n

\u012emon\u0117s, turin\u010dios verslo plan\u0105 bei pakankamus finansinius geb\u0117jimus, pasiekia kur kas spartesn\u012f augim\u0105 nei dirban\u010dios be j\u0173. Tad \u012f \u0161ias kompetencijas investuoti verta.<\/p>\n

 <\/p>\n

Finansavimo paie\u0161kos<\/h2>\n

Riboti finansiniai i\u0161tekliai \u2013 kiekvienos \u012fmon\u0117s pl\u0117tros barjeras. Didel\u0117 dalis SVV \u012fmoni\u0173 negali pereiti \u012f augimo stadij\u0105, nes joms tiesiog tr\u016bksta finansavimo.<\/p>\n

Paskutiniais Lietuvos banko duomenimis, net tre\u010ddalio \u012fmoni\u0173 bank\u0173 kreditavimo parai\u0161kos atmetamos, i\u0161 kuri\u0173 net 60 % \u2013 smulkus ir vidutinis verslas. Negana to, pastar\u0173j\u0173 kreditavimo parai\u0161k\u0173 atmetimo koeficientas dramati\u0161kai did\u0117ja. Susid\u016brusios su tuo, kad paskola nesuteikiama, \u012fmon\u0117s neretai pasiduoda ir atsisako ar neribotam laikui atideda pl\u0117tr\u0105. Visgi smulkiojo verslo atstovams vert\u0117t\u0173 nepamir\u0161ti, kad jie turi ir kit\u0173 finansavimo pasirinkim\u0173.<\/p>\n

Tokie pasirinkimai \u2013 pakankamai \u012fvair\u016bs. Pastaraisiais metais \u012fmon\u0117s aktyviau skolinasi prekiniu kreditu \u2013 ilgesniais atid\u0117jimais i\u0161 tiek\u0117j\u0173 arba tiesiog v\u0117luodamos apmok\u0117ti. Taip pat pastebimas da\u017enesnis skolinimasis platinant skolos vertybinius popierius \u2013 obligacijas. Vis svarbesn\u0119 reik\u0161m\u0119 \u012fgauna alternatyv\u016bs skolintojai. Pavyzd\u017eiui, s\u0105skait\u0173 finansavimas leid\u017eia i\u0161vengti pinig\u0173 sraut\u0173 sutrikimo greitai finansavus neapmok\u0117tas klient\u0173 s\u0105skaitas.<\/p>\n

\u201eTiesa, jei \u012fmon\u0117s finansavimo parai\u0161ka atmetama, profesional\u016bs kredituotojai pateikia argumentuotas i\u0161vadas, kod\u0117l parai\u0161ka atmesta \u2013 galb\u016bt reikia stabtelti, optimizuotis, sekti rekomendacijas ir u\u017etikrintai m\u0117ginti dar kart\u0105. Tai tik sustiprins pa\u010dios \u012fmon\u0117s potencial\u0105. Atsakingi skolintojai yra suinteresuoti pad\u0117ti smulkiam ir vidutiniam verslui augti. Tam b\u016btinas \u012fsiklausymas bei abipusis pasitik\u0117jimas\u201c, \u2013 atkreipia d\u0117mes\u012f P. Jauga.<\/p>\n

Anot jo, \u012fmon\u0117s, pasirinkdamos sau tinkamiausi\u0105 finansavimo \u0161altin\u012f, neretai klysta. \u201eViena da\u017en\u0173 klaid\u0173, kai \u012fmon\u0117s trumpalaiki\u0173 paskol\u0173 forma finansuoja ilgalaik\u012f turt\u0105. Suprantama, jog ilgalaikis finansavimas \u0161iuo metu daugeliui SVV \u012fmoni\u0173 sud\u0117tingai prieinamas, o poreikis \u012fsigyti transport\u0105, \u012frang\u0105 ar NT objekt\u0105 yra, ta\u010diau tokios finansavimo strukt\u016bros atveju \u012fmon\u0117s likvidumas dar labiau suprast\u0117ja, apyvartinio kapitalo poreikis i\u0161auga, suma\u017e\u0117ja \u012fmon\u0117s atsparumas, kyla rizika laiku neatsiskaityti su tiek\u0117jais. Yra kit\u0173 sprendimo b\u016bd\u0173 \u2013 pavyzd\u017eiui, ilgalaik\u0117 ar trumpalaik\u0117 ilgalaikio turto nuoma, rinkoje pakankamai \u0161ias paslaugas teikian\u010di\u0173 \u012fmoni\u0173\u201c, \u2013 pataria P. Jauga.<\/p>\n

 <\/p>\n

Stipr\u0117janti konkurencija<\/h2>\n

\u0160iuolaikin\u0117s technologijos suk\u016br\u0117 globalios konkurencijos rink\u0105. Viena vertus, tai i\u0161pl\u0117t\u0117 galimybes, kita vertus, tik dar labiau padidino konkurencin\u012f lauk\u0105 bei i\u0161\u0161\u016bkius jame \u012fsitvirtinti. Juk SVV \u012fmon\u0117ms, neturin\u010dioms masto ekonomijos prana\u0161umo, didel\u0117s tarptautin\u0117s kompanijos sukuria nemenk\u0173 problem\u0173 u\u017esitikrinti rinkoje.<\/p>\n

\u201eI\u0161likti ir s\u0117kmingai veikti tokiomis s\u0105lygomis gal\u0117s tik tos SVV \u012fmon\u0117s, kurios visapusi\u0161kai pademonstruos ir i\u0161naudos savo privalumus \u2013 lankstum\u0105, operatyvum\u0105, inovatyvum\u0105, orientacij\u0105 \u012f konkretaus pirk\u0117jo poreikius. Taip pat tos, kurios rinksis patikimus partnerius, geban\u010dius u\u017etikrinti skland\u017ei\u0105 veikl\u0105 ir galimyb\u0119 \u012fmonei orientuotis \u012f pagrindin\u012f versl\u0105\u201c, \u2013 \u012fsitikin\u0119s \u201eFactris LT1\u201c vykdomasis direktorius.<\/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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Smulkus ir vidutinis verslas (SVV) neabejotinai yra pagrindin\u0117 m\u016bs\u0173 \u0161alies ekonomikos varomoji j\u0117ga. Skai\u010diuojama, kad Lietuvoje \u0161is sektorius sudaro net 99,7 proc. vis\u0173 \u012fmoni\u0173. Jose sukurta apie 73 proc. vis\u0173 darbo viet\u0173. Tad toki\u0173 \u012fmoni\u0173 klest\u0117jimas kuria didel\u0119 prid\u0117tin\u0119 vert\u0119 visai valstybei. Ta\u010diau j\u0173 veiklos kelyje pasitaiko daug i\u0161\u0161\u016bki\u0173 \u2013 \u012fvairios permainos tiek vietos, tiek […]<\/p>\n","protected":false},"author":1,"featured_media":21295,"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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