{"id":7436,"date":"2019-11-06T08:42:00","date_gmt":"2019-11-06T08:42:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7436"},"modified":"2023-01-10T08:26:46","modified_gmt":"2023-01-10T08:26:46","slug":"finansavimo-gidas-smulkiam-verslui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/finansavimo-gidas-smulkiam-verslui\/","title":{"rendered":"10 finansavimo \u0161altini\u0173: gidas smulkiam ir vidutiniam verslui"},"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

Kartais daug \u017eadan\u010dios verslo id\u0117jos d\u0117l kapitalo stokos lieka tik stal\u010diuose. Tradicini\u0173 finansuotoj\u0173 paskolos ma\u017eiems startuoliams yra sunkiai pasiekiamos, o jei versl\u0105 ir pavyko \u012fsteigti, visada prireikia papildom\u0173 l\u0117\u0161\u0173 pl\u0117trai.<\/h2>\n

Factris, siekdamas pad\u0117ti verslininkams rasti parankiausi\u0105 finansavimosi b\u016bd\u0105, sudar\u0117 10 skirting\u0173 finansavimo \u0161altini\u0173 gid\u0105. \u010cia pateikiamos naudingos \u012f\u017evalgos bei patarimai, aktual\u016bs verslui steigti ir s\u0117kmingai pl\u0117sti.<\/p>\n

 <\/p>\n

Asmenin\u0117s investicijos<\/h2>\n

Tai vienas parankiausi\u0173 ir kol kas populiariausi\u0173 b\u016bd\u0173 finansuoti kuriam\u0105 versl\u0105. Neb\u016btina finansuoti visos verslui reikalingos l\u0117\u0161\u0173 sumos, vert\u0117t\u0173 pasistengti pasiekti bent 25%. Tai potencialiems investuotojams ir skolintojams parodo, kad prisiimate dal\u012f rizikos bei tikite verslo s\u0117kme.<\/p>\n

 <\/p>\n

Skolinimasis i\u0161 draug\u0173 ar \u0161eimos<\/h2>\n

Da\u017enas b\u016bdas finansuoti versl\u0105, ta\u010diau nevert\u0117t\u0173 pamir\u0161ti, kad tuomet, kai artimieji paver\u010diami kreditoriais, rizikuojama ir j\u0173 finansais, ir tarpusavio santykiais.<\/p>\n

Rekomenduotina \u0161ioms paskoloms paruo\u0161ti finansin\u012f projekt\u0105 bei ra\u0161ti\u0161k\u0105 \u012fsipareigojim\u0105, nurodant\u012f, kada ir kokiomis s\u0105lygomis artimieji atgaus paskolintus pinigus.<\/p>\n

 <\/p>\n

Verslo angelai<\/h2>\n

Tai privat\u016bs asmenys, kurie investuoja ankstyvoje verslo stadijoje, mainais gaudami nuosavyb\u0117s dal\u012f. Skirtingai nuo tradicini\u0173 investuotoj\u0173, Verslo angelai paprastai investuoja ma\u017eesnes pinig\u0173 sumas, greitai priima savo investicinius sprendimus ir retai reikalauja valdan\u010diosios pozicijos. \u0160i finansavimo galimyb\u0117 labai patogi startuoliams, kuriems nereikia dideli\u0173 investicij\u0173 ir norima i\u0161laikyti didesn\u0119 verslo kontrol\u0119.<\/p>\n

 <\/p>\n

Rizikos kapitalas<\/h2>\n

Tai pinigai, skirti pad\u0117ti kurtis naujoms \u012fmon\u0117ms, kurios turi potencialo spar\u010diai augti, ta\u010diau kartu yra gana didel\u0117s rizikos. Rizikos kapitalas gali b\u016bti gaunamas bet kurioje verslo vystymosi stadijoje.<\/p>\n

Skirtingai nuo kit\u0173 finansavimo form\u0173, kai verslininkas privalo gr\u0105\u017einti paskolos sum\u0105 ir pal\u016bkanas, rizikos kapitalo investicijos suteikiamos mainais \u012f bendrov\u0117s akcij\u0173 dal\u012f, taip \u012fgaunant galios \u012fmon\u0117s valdyme.<\/p>\n

Mainais u\u017e rizikos kapital\u0105 verslininkai tikisi didel\u0117s investicij\u0173 gr\u0105\u017eos. Tai rei\u0161kia, kad santykiai tarp dviej\u0173 \u0161ali\u0173 gali u\u017esit\u0119sti net iki 10 met\u0173. Pasibaigus susitarimui, pinigus skolin\u0119 verslininkai akcijas parduos savininkams ar per vie\u0161uosius pirkimus, tik\u0117damiesi gauti kur kas daugiau nei investavo.<\/p>\n

 <\/p>\n

Paskola<\/h2>\n

Greitosios paskolos<\/h3>\n

Jos paprastai suteikiamos nuo 3 iki 18 m\u0117nesi\u0173 laikotarpiui ir da\u017eniausiai skirtos nenumatytoms problemoms spr\u0119sti. Tokios paskolos daug ma\u017eesn\u0117s nei tradicin\u0117s, ta\u010diau j\u0173 met\u0173 pal\u016bkan\u0173 normos gali siekti net 14% ir daugiau.<\/p>\n

 <\/p>\n

Tradicin\u0117s paskolos<\/h3>\n

Jos labiau skirtos stabilesn\u0117ms, jau \u012fsitvirtinusioms \u012fmon\u0117ms: paskolos sumos didesn\u0117s, sunkiau gaunamos, \u012fsipareigojimai didesni, bet ma\u017eesn\u0117s pal\u016bkanos. \u0160ios paskolos paprastai skiriamos nuo 1 iki 5 met\u0173 laikotarpiui.<\/p>\n

 <\/p>\n

Lizingas<\/h2>\n

Tai b\u016bdas \u012fsigyti \u012fmonei reikaling\u0105 inventori\u0173, dalimis mokant u\u017e \u012fgyt\u0105 turt\u0105, kuriuo gali naudotis i\u0161 karto. Tereikia sumok\u0117ti pradin\u012f \u012fna\u0161\u0105 ir kas m\u0117nes\u012f mok\u0117ti nustatyto dyd\u017eio \u012fmokas.<\/p>\n

Lizingas skirstomas \u012f dvi r\u016b\u0161is: finansinis lizingas (klientas per nuomos laikotarp\u012f turi sumok\u0117ti vis\u0105 ar dal\u012f turto \u012fsigijimo kainos, pal\u016bkanas bei PVM, o pasibaigus nuomos laikotarpiui jis tampa apmok\u0117tos dalies turto savininku) bei veiklos nuoma (per sutarties laikotarp\u012f klientas moka nuomos \u012fmokas, o pasibaigus sutar\u010diai gali pasirinkti: gr\u0105\u017einti turt\u0105 lizingo bendrovei, sudaryti sutart\u012f naujam turtui ar prat\u0119sti nuomos sutart\u012f). Naudojantis lizingu nereikia tur\u0117ti papildomo u\u017estato.<\/p>\n

 <\/p>\n

Faktoringas<\/h2>\n

Naudodamas faktoringo paslaug\u0105 pinigus u\u017e neapmok\u0117tas s\u0105skaitas verslas gali gauti i\u0161 karto, nestabdydamas svarbi\u0173 verslo augimo ir vystymosi proces\u0173. Kitaip sakant, u\u017etikrinamas pastovus apyvartini\u0173 l\u0117\u0161\u0173 srautas ir \u012fmon\u0117s operacij\u0173 vientisumas.<\/p>\n

\u201eFactris\u201c faktoringas savyje turi vis\u0105 paslaug\u0173 kompleks\u0105:<\/p>\n

Galimyb\u0117 \u012fmonei i\u0161 karto gauti l\u0117\u0161\u0173 u\u017e parduotas prekes ar suteiktas paslaugas, nereikia m\u0117nes\u012f ar ilgiau laukti, kol pirk\u0117jas apmok\u0117s s\u0105skait\u0105.
Pirk\u0117j\u0173 mokumo vertinimas \u2013 \u012fmon\u0117 (klientas) su\u017eino apie savo pirk\u0117j\u0173 mokum\u0105 bei gali reaguoti \u012f jo pasikeitimus.
Prekinio kredito draudimas, kuriuo pirk\u0117jai apdraud\u017eiami nuo nemokumo rizikos.
Neapmok\u0117jus s\u0105skaitos, skolos i\u0161 pirk\u0117jo i\u0161ie\u0161kojimas \u2013 t\u0105 atlieka kredito draudikas ir \u012fmonei nereikia r\u016bpintis papildomai.
Vis daugiau \u012fmoni\u0173 susiduria su v\u0117luojan\u010diais pirk\u0117j\u0173 mok\u0117jimais, tod\u0117l faktoringo \u2013 s\u0105skait\u0173 apmok\u0117jimo \u2013 paslauga tampa dar aktualesn\u0117. Kai \u012fmon\u0117 u\u017e atliktus darbus ar produktus i\u0161ra\u0161o s\u0105skait\u0105, jos apmok\u0117jimo i\u0161 kliento gali tekti laukti m\u0117nesius, o pasinaudojus faktoringu iki 90% s\u0105skaitos sumos gaunama per dien\u0105 ar pora, o likusi dalis \u2013 kai klientas apmoka s\u0105skait\u0105.<\/p>\n

 <\/p>\n

Kredito linija \/ overdraftas<\/h2>\n

Verslui suteikiama prieiga prie pinigini\u0173 fond\u0173 ir jais galima naudotis tada, kai reikia. Pal\u016bkanos mokomos tik u\u017e l\u0117\u0161as,, kurios yra panaudojamos<\/p>\n

Tai patogus finansavimo b\u016bdas ma\u017eiems sezoniniams verslams, kuriems svarbu tur\u0117ti atsargin\u012f kapital\u0105 netik\u0117toms aplinkyb\u0117ms.<\/p>\n

Tiesa, nesumok\u0117jus laiku, nuobaudos daug didesn\u0117s nei imant paskol\u0105. Be to, jei verslas laikomas nepatikimu skolininku, si\u016blomos kredito linijos da\u017enai nustato dideles pal\u016bkanas.<\/p>\n

 <\/p>\n

Prekybos finansavimas (angl. Trade finance)<\/h2>\n

Prekybos finansavimo paslauga skirta lengviau ir su ma\u017eesne rizika valdyti prekybinius atsiskaitymus. \u010cia i\u0161skiriami trys finansavimo b\u016bdai: akredityvas, dokumentinis inkaso, garantija.<\/p>\n

 <\/p>\n

Obligacij\u0173 platinimas<\/h2>\n

Obligacijos leid\u017eia gauti finansavim\u0105 bendrovei priimtinomis, bet atsi\u017evelgiant \u012f paklaus\u0105 rinkoje, suformuluotomis s\u0105lygomis \u2013 valiuta, terminu, pal\u016bkan\u0173 norma, mok\u0117jimo strukt\u016bra ir pan.<\/p>\n

Paprastai tai brangesnis finansavimo \u0161altinis nei bankiniai kreditai. Tas ypa\u010d b\u016bdinga obligacijoms, kurias i\u0161leid\u017eia rinkoje dar ne\u017einomos arba gero vardo neturin\u010dios \u012fmon\u0117s.<\/p>\n

Dar vienas su obligacijomis susij\u0119s sunkumas \u2013 neai\u0161ku, ar pavyks jas i\u0161platinti. Nes\u0117km\u0119 gali lemti bet kuris veiksnys: ribotas rinkos dydis, obligacijas i\u0161leid\u017eian\u010dios bendrov\u0117s ne\u017einomumas ar kt. Kiekvienas nepasisek\u0119s atvejis i\u0161platinti obligacijas gali gadinti bendrov\u0117s \u012fvaizd\u012f.<\/p>\n

Ta\u010diau obligacijos viena saugiausi\u0173 investavimo form\u0173.<\/p>\n

Daugiau apie skirtingus verslo finansavimo \u0161altinius bei skirtumus galite rasti \u010dia.<\/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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Kartais daug \u017eadan\u010dios verslo id\u0117jos d\u0117l kapitalo stokos lieka tik stal\u010diuose. Tradicini\u0173 finansuotoj\u0173 paskolos ma\u017eiems startuoliams yra sunkiai pasiekiamos, o jei versl\u0105 ir pavyko \u012fsteigti, visada prireikia papildom\u0173 l\u0117\u0161\u0173 pl\u0117trai. Factris, siekdamas pad\u0117ti verslininkams rasti parankiausi\u0105 finansavimosi b\u016bd\u0105, sudar\u0117 10 skirting\u0173 finansavimo \u0161altini\u0173 gid\u0105. \u010cia pateikiamos naudingos \u012f\u017evalgos bei patarimai, aktual\u016bs verslui steigti ir s\u0117kmingai […]<\/p>\n","protected":false},"author":1,"featured_media":21288,"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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