{"id":7352,"date":"2019-05-13T08:17:00","date_gmt":"2019-05-13T08:17:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7352"},"modified":"2023-01-10T08:31:57","modified_gmt":"2023-01-10T08:31:57","slug":"sezoninis-verslas-isibegeja-kaip-isvengti-issukiu","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/sezoninis-verslas-isibegeja-kaip-isvengti-issukiu\/","title":{"rendered":"Sezoninis verslas \u012fsib\u0117g\u0117ja: kaip i\u0161vengti finansini\u0173 i\u0161\u0161\u016bki\u0173?"},"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

Art\u0117janti vasara ir po jos slenkantis ruduo \u2013 vienas pagrindini\u0173 sezoninio verslo etap\u0173, reikalaujantis tinkamo pasiruo\u0161imo. Verslininkai sutiks \u2013 nuosavo verslo valdymas neatsiejamas nuo streso, o sezoninis verslas, kai pajamos da\u017enai gaunamos tik tam tikr\u0105 laikotarp\u012f, sukelia dar daugiau keblum\u0173. Ta\u010diau tai toli gra\u017eu nerei\u0161kia likti be apyvartini\u0173 l\u0117\u0161\u0173 ne sezono metu. Atvirk\u0161\u010diai, sezoninis verslas gali b\u016bti i\u0161pl\u0117totas taip, kad u\u017edirbt\u0173 kaip \u012fprastas.<\/h2>\n

\u201eStebime tendencijas, kad sezoninio verslo pikas paprastai b\u016bna gegu\u017e\u0119 bei vasarai pasibaigiant. \u0160iuo metu vis daugiau sezoninio verslo atstov\u0173 aktyviai naudojasi s\u0105skait\u0173 finansavimo paslauga. Tai rei\u0161kia, kad tuo laikotarpiu jiems labiausiai reikia apyvartini\u0173 l\u0117\u0161\u0173 s\u0117kmingai veiklai. Da\u017eniausiai tai \u2013 in\u017einerijos, statyb\u0173, v\u0117dinimo ir \u0161aldymo \u012frangos, led\u0173 pardav\u0117jai, taip pat besiver\u010diantys \u017eem\u0117s \u016bkio veikla\u201c, \u2013 vardija faktoringo paslaugas teikian\u010dios bendrov\u0117s \u201eFactris\u201c vadovas Justas \u0160altinis.<\/p>\n

Bendradarbiaudami su smulkaus bei vidutinio dyd\u017eio \u012fmon\u0117mis \u201eFactris\u201c specialistai i\u0161skyr\u0117 pagrindinius patarimus bei atskleid\u0117 kelias gudrybes, kurios atsveria sezoni\u0161kumo pavojus ir leid\u017eia dr\u0105siai konkuruoti su visais met\u0173 laikais u\u017edirban\u010diais verslais.<\/p>\n

 <\/p>\n

Kruop\u0161tus planavimas \u2013 pus\u0117 darbo<\/h2>\n

Sezoninio verslo prigimtis neatsiejama nuo cikl\u0173 \u2013 svyravim\u0173, kurie kartais gali tapti pra\u017e\u016btingi \u012fmonei. Tai ypa\u010d aktualu, jei verslas orientuotas tik \u012f vien\u0105 produkt\u0105 ar paslaug\u0105. Tie, kas versl\u0105 vykdo tik vasar\u0105 (pavyzd\u017eiui, \u017eem\u0117s \u016bkio veikla), nei\u0161vengiamai susiduria su kritiniais momentais \u0161altuoju met\u0173 laiku, o teikiantys paslaugas \u0161ventiniu, kal\u0117diniu laikotarpiu patiria nuosmuk\u012f \u0161iltuoju sezonu.<\/p>\n

Ta\u010diau pardavim\u0173 suma\u017e\u0117jimo laikas anaiptol negali tapti \u201estagnacijos\u201c metu. Atvirk\u0161\u010diai, tai tinkama galimyb\u0117 pasiruo\u0161ti pirk\u0117j\u0173 antpl\u016bd\u017eiui. \u0160iuo metu patartina mokytis i\u0161 klaid\u0173: remiantis pra\u0117jusi\u0173 met\u0173 duomenimis, kruop\u0161\u010diai suplanuoti kito laikotarpio pajamas, i\u0161laidas bei apyvartinio kapitalo poreik\u012f. B\u016btina nepamir\u0161ti atsi\u017evelgti \u012f ekonomikos bei darbo rinkos poky\u010dius. Tai pad\u0117s i\u0161vengti netik\u0117tum\u0173. Ramus laikotarpis taip pat tinkamas darbuotoj\u0173 mokymui, produkt\u0173 k\u016brimui, nauj\u0173 metod\u0173 ar technologij\u0173 pritaikymui.\u00a0<\/strong><\/p>\n

Dar vienas patarimas \u2013 pasir\u016bpinti reikiamais u\u017esakymais, \u017ealiavomis prie\u0161 prasidedant \u201ebumui\u201c. Tai suteiks didesn\u0119 gali\u0105 der\u0117tis su tiek\u0117jais d\u0117l palankesni\u0173 mok\u0117jimo s\u0105lyg\u0173, gauti papildom\u0173 nuolaid\u0173, taip pat gali u\u017etikrinti pirmenyb\u0119 kitam atsarg\u0173 u\u017esakymui, jei prireikt\u0173.<\/p>\n

Be to, b\u016btina numatyti \u201eneplanuot\u0173 i\u0161laid\u0173\u201c eilut\u0119, kuri, patartina, atitikt\u0173 5-10 proc. i\u0161laid\u0173 dyd\u012f. Tai ypa\u010d aktualu sezoniniam verslui, kuris priklauso nuo \u012fvairi\u0173 neprognozuojam\u0173 aplinkybi\u0173 (oro s\u0105lyg\u0173, lig\u0173 ar kt.)<\/p>\n

 <\/p>\n

Paskirstykite l\u0117\u0161as ir u\u017etikrinkite pinig\u0173 srautus<\/h2>\n

Laikotarpiu, kai negaunama pajam\u0173, \u012fmon\u0117 vis tiek tur\u0117s mok\u0117ti u\u017e patalp\u0173 nuom\u0105, komunalines paslaugas, atlyginimus darbuotojams, mokes\u010dius valstybei. \u0160i\u0173 dalyk\u0173 negalima nepaisyti net ir susid\u016brus su sunkumais.\u00a0<\/p>\n

Tiesa, neretai taip reikalingi pinigai yra versle, ta\u010diau jie \u201eu\u017erakinti\u201c neapmok\u0117tose s\u0105skaitose. Laukimas, kol bus apmok\u0117ta s\u0105skaita, gali b\u016bti skausmingas. \u201eJei klientai s\u0105skait\u0105 apmoka po 60 ar 90 dien\u0173, \u012fmon\u0117 gali nukent\u0117ti ir \u012fbristi \u012f rimtas skolas. Susid\u016br\u0119 su \u0161ia situacija verslininkai jau \u017eino, kad s\u0105skait\u0173 fakt\u016br\u0173 finansavimo paslauga padeda i\u0161vengti toki\u0173 laukim\u0173. Tokiu atveju \u012fmon\u0117s savininkas neprivalo laukti kelis m\u0117nesius ar daugiau, kad s\u0105skaitos b\u016bt\u0173 apmok\u0117tos. \u0160\u012f finansavimo b\u016bd\u0105 galima panaudoti veiklos i\u0161laidoms padengti ar skirti rezervui strateginiam augimui. Be to, prie\u0161ingai nei banko paskolos atveju, nereikia \u012fkeisti turto ar \u012fsipareigoti ilgam laikotarpiui\u201c, \u2013 komentuoja J. \u0160altinis.<\/p>\n

Viena da\u017en\u0173 prie\u017eas\u010di\u0173, kod\u0117l sezoninis verslas negauna finansavimo i\u0161 tradicini\u0173 finansuotoj\u0173, toki\u0173 kaip bankai, yra ta, kad jis vertinamas kaip rizikingas. \u201eNat\u016bralu, norint gauti banko paskol\u0105 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 anaiptol ne prie\u017eastis nuleisti rankas. Pasidom\u0117kite alternatyviais finansavimo \u0161altiniais, kurie, j\u016bs\u0173 atveju, gali b\u016bti kur kas naudingesni.\u00a0<\/p>\n

 <\/p>\n

Apsvarstykite papildomos veiklos galimybes<\/h2>\n

Neretai sezoninio verslo atstovai susitelkia tik \u012f vien\u0105 srit\u012f ir nepamato galimybi\u0173 pl\u0117trai.<\/p>\n

\u201eDiferencijuokite savo pajamas. Paprastas pavyzdys \u2013 prekiaujant sodo \u012franga, kurios did\u017eiausia paklausa pavasar\u012f ar vasar\u0105, paklausos suma\u017e\u0117jimo laikotarpiu galima prekiauti prietaisais, reikalingais nam\u0173 aplinkos prie\u017ei\u016brai \u0161altuoju met\u0173 laiku. Arba turim\u0105 vie\u0161but\u012f, kai baigiasi vasaros turist\u0173 antpl\u016bdis, galima i\u0161naudoti patalp\u0173 nuomai, pavyzd\u017eiui, konferencijoms ar kitiems renginiams ne sezono metu. Be to, nenuvertinkite ir el. prekybos galios, net jei verslas sutelktas tik \u012f trij\u0173 m\u0117nesi\u0173 laikotarp\u012f. Ta\u010diau \u012fmon\u0117s turi gerai prasitestuoti ir i\u0161siai\u0161kinti papildomos veiklos poreik\u012f, kad neb\u016bt\u0173 investuojama veltui arba nuostolingai\u201c, \u2013 pataria J. \u0160altinis.<\/p>\n

Protingai pasirinkta papildoma veikla leid\u017eia ne tik suvienodinti pinig\u0173 srautus, bet kartu u\u017etikrina darbuotoj\u0173 u\u017eimtum\u0105, leid\u017eia juos i\u0161laikyti visus metus.<\/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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Art\u0117janti vasara ir po jos slenkantis ruduo \u2013 vienas pagrindini\u0173 sezoninio verslo etap\u0173, reikalaujantis tinkamo pasiruo\u0161imo. Verslininkai sutiks \u2013 nuosavo verslo valdymas neatsiejamas nuo streso, o sezoninis verslas, kai pajamos da\u017enai gaunamos tik tam tikr\u0105 laikotarp\u012f, sukelia dar daugiau keblum\u0173. Ta\u010diau tai toli gra\u017eu nerei\u0161kia likti be apyvartini\u0173 l\u0117\u0161\u0173 ne sezono metu. Atvirk\u0161\u010diai, sezoninis verslas […]<\/p>\n","protected":false},"author":1,"featured_media":21281,"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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