{"id":7474,"date":"2019-09-06T08:54:00","date_gmt":"2019-09-06T08:54:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7474"},"modified":"2023-01-10T08:29:18","modified_gmt":"2023-01-10T08:29:18","slug":"alternatyvus-finansavimas-auginantis-versla","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/alternatyvus-finansavimas-auginantis-versla\/","title":{"rendered":"Alternatyvus finansavimas, auginantis versl\u0105"},"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

Grie\u017et\u0117jant tradicini\u0173 kredito \u012fstaig\u0173 s\u0105lygoms smulkaus bei vidutinio verslo atstovai jau\u010dia vis didesn\u012f poreik\u012f kreiptis \u012f alternatyvius finansuotojus.<\/h2>\n

Faktoringas, arba s\u0105skait\u0173 finansavimas, taip pat sulaukia daugiau d\u0117mesio, bet vis dar yra ma\u017eiau naudojama \u012fmoni\u0173 finansavimo forma. Pasak faktoringo paslaugas teikian\u010dios bendrov\u0117s \u201eFactris Lietuva\u201c vykdomojo direktoriaus Pauliaus Jaugos, tai lemia ir informacijos tr\u016bkumas, ir su tuo susijusi nepagr\u012fsta baim\u0117. Jis dalinasi realiais pavyzd\u017eiais bei \u012f\u017evalgomis apie faktoringo naud\u0105 ir nei\u0161naudotas galimybes.<\/p>\n

 <\/p>\n

Kuo naudingas faktoringas?<\/h2>\n

Faktoringo paslaugos subalansuotos toms \u012fmon\u0117ms, kurios taupo laik\u0105, pinigus ir nori greito bei patikimo finansavimo sprendimo. Reikia atkreipti d\u0117mes\u012f, kad tai \u2013 paslaug\u0173 kompleksas. Pirma, tai galimyb\u0117 \u012fmonei i\u0161 karto gauti l\u0117\u0161\u0173 u\u017e parduotas prekes ar suteiktas paslaugas, nereikia m\u0117nes\u012f ar dar ilgiau laukti kol pirk\u0117jas apmok\u0117s s\u0105skait\u0105. Antra, tai pirk\u0117j\u0173 mokumo vertinimas \u2013 \u012fmon\u0117 (klientas) su\u017eino apie savo pirk\u0117j\u0173 mokum\u0105 bei gali reaguoti \u012f jo pasikeitimus. Tre\u010dia, tai prekinio kredito draudimas, kuriuo pirk\u0117jai apdraud\u017eiami nuo nemokumo rizikos. Ketvirta, neapmok\u0117jus s\u0105skaitos, skolos i\u0161 pirk\u0117jo i\u0161ie\u0161kojimas \u2013 t\u0105 atlieka kredito draudikas, kitaip tariant, klientui nereikia samdyti \u012fmon\u0117s, kuri, jeigu prireikt\u0173, i\u0161ie\u0161kot\u0173 skol\u0105. Galiausiai, dar viena prid\u0117tin\u0117 vert\u0117 m\u016bs\u0173 klientams \u2013 gautin\u0173 sum\u0173 i\u0161 pirk\u0117j\u0173 surinkimas. Turime specialistus, kurie stebi, ar pirk\u0117j\u0173 atsiskaitymas neu\u017etruko ir ragina grei\u010diau sumok\u0117ti skolas. Tokiu b\u016bdu dar ir sutaupome m\u016bs\u0173 klient\u0173 l\u0117\u0161as \u2013 sumokama ma\u017eiau pal\u016bkan\u0173.<\/p>\n

 <\/p>\n

Kokiam verslui tai ypa\u010d aktualu?<\/h2>\n

Da\u017eniausiai faktoringo paslaugomis naudojasi smulkusis ir vidutinis verslas. Tai \u012fmon\u0117s, kurios i\u0161ra\u0161o s\u0105skaitas su ilgais apmok\u0117jimo terminais. Did\u017eiausi\u0105 faktoringo portfelio dal\u012f sudaro didmenin\u0117s prekybos, gamybos bei transporto kompanijos. Taip pat m\u016bs\u0173 \u012fmon\u0117 mato didesn\u012f susidom\u0117jim\u0105 i\u0161 darbuotoj\u0173 nuomos sektoriuje veikian\u010di\u0173 \u012fmoni\u0173. \u0160i sritis dar gana jauna, auganti, tad faktoringo paslauga ir jos lankstumas naudingi.<\/p>\n

\u017dinoma, paslaugomis naudojasi ir stambios \u012fmon\u0117s \u2013 matome, kad pastar\u0173j\u0173 paklausa faktoringo paslaugai \u0161iuo metu did\u0117ja. Da\u017eniausiai tai susij\u0119 su sezonini\u0173 produkt\u0173 pardavimais, tam tikr\u0173 dideli\u0173 projekt\u0173 \u012fgyvendinimu.<\/p>\n

 <\/p>\n

Kaip Lietuvos faktoringo rinka atrodo Europos kontekste?<\/h2>\n

ES faktoringo ir komercinio finans\u0173 sektoriaus federacijos duomenimis, 2018 m. faktoringo ir BVP santykis m\u016bs\u0173 \u0161alyje sudar\u0117 8 proc. Tuo tarpu, pavyzd\u017eiui, Belgijoje, Kipre \u2013 po 17 proc., Estijoje, Pranc\u016bzijoje \u2013 po 14 proc., Nyderlanduose, Jungtin\u0117je Karalyst\u0117je \u2013 po 13 proc. Tiesa, kaimynin\u0117je Latvijoje \u2013 tik 3 proc.<\/p>\n

Reikia pasteb\u0117ti, kad vadinamoji alternatyvi faktoringo rinka Lietuvoje auga kur kas spar\u010diau nei bankin\u0117 faktoringo rinka. Pastaroji eil\u0119 met\u0173 augo vidutini\u0161kai 5 proc. per metus, o pastaraisiais metais krito netgi 20%. Tuo tarpu alternatyvi faktoringo rinka auga, ir dideliais tempais. Tai susij\u0119 ir su grie\u017etu tradicini\u0173 finansavimo dalyvi\u0173 po\u017ei\u016briu \u012f verslo finansavim\u0105.<\/p>\n

Bet tai anaiptol nerei\u0161kia, kad mes neatsakingai \u017ei\u016brime \u012f kliento galimybes pasiskolinti. Mes lygiai taip pat vertiname rizik\u0105, tik matydami, kad kliento galimyb\u0117s galb\u016bt kiek silpnesn\u0117s, ie\u0161kome kompromis\u0173 \u2013 \u012fdedame daugiau resurs\u0173 \u012f kiekvien\u0105 individual\u0173 atvej\u012f, detaliai \u012fsigiliname \u012f kliento pirk\u0117jus, analizuojame j\u0173 finansinius rodiklius. Jeigu jie mok\u016bs, kliento galimyb\u0117s naudotis faktoringu gerokai i\u0161auga. Mes suinteresuoti pad\u0117ti smulkiajam ir vidutiniam verslui augti. Tam b\u016btinas \u012fsiklausymas ir abipusis pasitik\u0117jimas.<\/p>\n

 <\/p>\n

Pasidalinkite bent keliomis s\u0117km\u0117s istorijomis.<\/h2>\n

Pavyzd\u017eiui, 5 metus veikian\u010dios bald\u0173 gamybos \u012fmon\u0117s metin\u0117 apyvarta buvo 300 t\u016bkst. Eur, pelnas \u2013 30 t\u016bkst. Eur. Jie gavo stamb\u0173 projekt\u0105 ir kreip\u0117si \u012f mus d\u0117l finansavimo, pra\u0161ydami 200 t\u016bkst. Eur. Visgi, reikia sutikti, tokia suma, esant 300 t\u016bkst. apyvartai, nema\u017ea, bet jie tur\u0117jo labai stiprius pirk\u0117jus. Suteik\u0117me finansavim\u0105. Po dviej\u0173 met\u0173 \u012fmon\u0117s apyvarta i\u0161augo iki 900 t\u016bkst. Eur, o pelnas \u2013 iki 80 t\u016bkst. Eur. Be to, 2,5 karto augo darbuotoj\u0173 skai\u010dius.<\/p>\n

Dar vienas pavyzdys i\u0161 darbuotoj\u0173 nuomos paslaugas teikian\u010dios \u012fmon\u0117s. J\u0173 metin\u0117 apyvarta buvo 1 mln. Eur, pelnas \u2013 120 t\u016bkst. Eur. \u012esivertin\u0119 rizikas, mes suteik\u0117me jiems 1,4 mln. Eur faktoringo limit\u0105. Po trij\u0173 met\u0173 j\u0173 apyvarta padid\u0117jo iki 5 mln. Eur, pelnas \u2013 380 t\u016bkst. Eur. Darbuotoj\u0173 skai\u010dius i\u0161augo daugiau nei 7 kartus.<\/p>\n

Toki\u0173 pavyzd\u017ei\u0173 galima vardyti daugiau, bet svarbiausia, kad mes realiai padedame verslui augti.<\/p>\n

Be to, vis daugiau \u012fmoni\u0173 susiduria su v\u0117luojan\u010diais mok\u0117jimais. Ypa\u010d d\u0117l to ken\u010dia smulkaus ir vidutinio dyd\u017eio verslai, kurie paprastai turi silpnesnes derybines galias prie\u0161 did\u017eiuosius pirk\u0117jus d\u0117l mok\u0117jimo termin\u0173 ir nenori gadinti su jais santyki\u0173. \u0160iuo atveju faktoringas yra reali pagalba, kad \u012fmoni\u0173 veikla ir pl\u0117tra d\u0117l v\u0117luojan\u010di\u0173 s\u0105skait\u0173 apmok\u0117jim\u0173 nesustot\u0173.<\/p>\n

 <\/p>\n

Koki\u0173 turite patarim\u0173 \u012fmon\u0117ms, svarstan\u010dioms naudotis faktoringo paslauga?<\/h2>\n

Svarbiausia \u2013 nebijoti kreiptis ir konsultuotis su specialistais. Jeigu verslininkas kreipiasi, tai anaiptol nerei\u0161kia, kad \u201ebruksime\u201c jam paslaugas. Mes suinteresuoti i\u0161klausyti ir patarti. Juk kalbame ir apie savo, kaip specialist\u0173 bei \u012fmon\u0117s, reputacij\u0105. Na, o po to jau finansin\u0117s ataskaitos ir visi kiti formalumai.<\/p>\n

Yra \u012fvairi\u0173 faktoringo form\u0173 apyvartinio kapitalo poreikiui spr\u0119sti\u00a0\u2013 m\u016bs\u0173 specialistai parenka geriausiai tinkamas konkre\u010diam verslui.<\/p>\n

Beje, pasteb\u0117jome, kad kai kurie verslininkai mano, jog naudojimasis faktoringu tarsi parodo, kad \u012fmon\u0117 turi finansini\u0173 problem\u0173. Tai visi\u0161kas mitas. Globaliu tarptautiniu mastu yra prie\u0161ingai: faktoringas pagreitina pinig\u0173 sraut\u0105, be to, tai nebalansinis \u012fsipareigojimas, tod\u0117l \u012fmon\u0117s balansas atrodo \u201egra\u017eesnis\u201c, o rodikliai potencialiems investuotojams tampa patrauklesni.<\/p>\n

 <\/p>\n

Kuo i\u0161skirtinis \u201eFactris\u201c?<\/h2>\n

Pirmiausiai mes atsi\u017evelgiame \u012f kiekvieno kliento poreikius ir individuali\u0105 situacij\u0105. Kiekvienas m\u016bs\u0173 klientas turi asmenin\u012f vadybinink\u0105. Taip, si\u016blome visk\u0105 atlikti dar grei\u010diau, papras\u010diau, naudojantis internetu, bet lygiai taip pat neprarandame \u017emogi\u0161ko ry\u0161io, per kur\u012f gimsta s\u0117kmingi sprendimai.<\/p>\n

Suprantame rink\u0105, j\u0105 analizuojame, dirbame operatyviai. Finansavimo sprendim\u0105 \u012fmonei pateikiame per vien\u0105 dien\u0105. Esame tarptautiniai dalyviai, tai leid\u017eia pasi\u016blyti klientams finansavimo galimybes ir kitose \u0161alyse. \u0160iuo metu taip pat veikiame Nyderlanduose bei Latvijoje ir turime ambicing\u0173 plan\u0173 pl\u0117stis \u012f daugiau Europos S\u0105jungos \u0161ali\u0173, tapti did\u017eiausiu nebankinio faktoringo lyderiu visoje Europoje.<\/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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Grie\u017et\u0117jant tradicini\u0173 kredito \u012fstaig\u0173 s\u0105lygoms smulkaus bei vidutinio verslo atstovai jau\u010dia vis didesn\u012f poreik\u012f kreiptis \u012f alternatyvius finansuotojus. Faktoringas, arba s\u0105skait\u0173 finansavimas, taip pat sulaukia daugiau d\u0117mesio, bet vis dar yra ma\u017eiau naudojama \u012fmoni\u0173 finansavimo forma. Pasak faktoringo paslaugas teikian\u010dios bendrov\u0117s \u201eFactris Lietuva\u201c vykdomojo direktoriaus Pauliaus Jaugos, tai lemia ir informacijos tr\u016bkumas, ir su tuo […]<\/p>\n","protected":false},"author":1,"featured_media":21284,"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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