{"id":7594,"date":"2021-03-18T10:03:00","date_gmt":"2021-03-18T10:03:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7594"},"modified":"2023-01-10T07:34:35","modified_gmt":"2023-01-10T07:34:35","slug":"kokio-finansavimo-reikia-imonems","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kokio-finansavimo-reikia-imonems\/","title":{"rendered":"\u012emonei reikia finansavimo: kas pad\u0117s ar trukdys j\u012f gauti?"},"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

\u0160iomis dienomis, kai neapibr\u0117\u017etumas niekur nesitraukia, o per pasaul\u012f ritasi jau ir tre\u010dia pandemijos banga, labai svarbu u\u017etikrinti, kad verslo palaikymas t\u0119st\u0173si. Da\u017enai \u012fmonei papildomas finansavimas, su valstyb\u0117s pagalba ar be jos, toliau i\u0161lieka reik\u0161mingas. Tiesa, neretai koj\u0105 paki\u0161a nepakankamas \u012fmoni\u0173 pasiruo\u0161imas, tai yra kriterij\u0173, kuriais remiantis teikiamas finansavimas, nei\u0161manymas ar tiesiog ne\u012fsigilinimas.<\/h2>\n

Priklausomai nuo konkretaus verslo specifikos, skiriasi kreditavimo formos, finansavimo prieinamumas, suteikiami skolinimosi limitai, u\u017estatin\u0117s priemon\u0117s ir l\u0117\u0161\u0173 panaudojimo tikslas. Ta\u010diau tam tikras bendras tendencijas ir kriterijus, pad\u0117sian\u010dius lengviau gauti finansavim\u0105, galima i\u0161skirti.<\/p>\n

 <\/p>\n

Skirtingi \u012fmon\u0117s mastai \u2013 nevienodi kriterijai<\/h2>\n

Ma\u017eam verslui, kurio apyvarta siekia iki 1 mln. eur\u0173, da\u017eniausia reikia l\u0117\u0161\u0173 finansuoti augim\u0105 ir subalansuoti apyvartin\u012f kapital\u0105. Tokios \u012fmon\u0117s kaip taisykl\u0117 kredituojamos ma\u017eesn\u0117mis sumomis, kurios paprastai yra iki 25 000 eur\u0173. Tai da\u017enai b\u016bna akcinink\u0173 l\u0117\u0161os, taip pat verslo paskolos su turto \u012fkeitimu ar akcinink\u0173 laidavimu, tiek\u0117j\u0173 suteikiami kreditai ar faktoringas, kai \u012f finans\u0173 institucijas kreipiamasi operatyviai apmok\u0117ti i\u0161ra\u0161ytas s\u0105skaitas.<\/p>\n

Ne paslaptis, kad ma\u017ei verslai da\u017enai neturi daug turto, tod\u0117l da\u017eniau susiduria su apribotomis galimyb\u0117mis skolintis. Kreditoriai neretai neigiamai vertina trump\u0105 verslo veiklos istorij\u0105, taip pat i\u0161\u0161\u016bkiu tampa ma\u017eo verslo b\u016bsim\u0173 pinig\u0173 sraut\u0173 prognozavimas. Smulkesnio verslo savininkai da\u017enai neturi suformuotos reputacijos kreditori\u0173 akyse. Kuo didesnis neapibr\u0117\u017etumas, tuo realiau, jog kreditoriai bus konservatyvesni vertindami finansavimo galimybes.<\/p>\n

O didesnis verslas paprastai turi gerokai platesnes galimybes skolintis rinkoje. Toks verslas da\u017eniausiai jau turi realaus turto, kur\u012f \u012fkeitus galima pasinaudoti paskola, kredito linija, atvirk\u0161tiniu faktoringu. Limitai dideliam verslui automati\u0161kai bus didesni. Stambesni verslai da\u017eniausia finansuoja augim\u0105, atnaujina \u012frenginius, diversifikuoja veikl\u0105, ie\u0161ko nauj\u0173 preki\u0173 ar paslaug\u0173, platesni\u0173 rink\u0173, kurioms u\u017ekariauti gali b\u016bti reikalingas papildomas finansavimas.<\/p>\n

\u017dinoma, su finansavimo problemomis gali susidurti ir didesn\u0117s \u012fmon\u0117s. Prie\u017eastys individualios, jos neretai susijusios su \u012fmon\u0117s veiklos istorija, finansini\u0173 ataskait\u0173 kokybe, akcinink\u0173 ar direktori\u0173 patirtimi. Tokie verslai taip pat gali pasi\u017eym\u0117ti bloga organizacine strukt\u016bra, kuri nebus pritaikyta palaikyti \u012fmon\u0117s pl\u0117tr\u0105. Stambesn\u0117s \u012fmon\u0117s neretai yra ma\u017eiau lanks\u010dios \u2013 joms sunkiau greitai reaguoti \u012f rinkos poky\u010dius, adaptuoti vidinius procesus. Tod\u0117l \u012fmoni\u0173 prognozi\u0173 scenarijus finansuotojai gali vertinti konservatyviau.<\/p>\n

 <\/p>\n

Pelnas \u2013 rodiklis, kad verslo veikla s\u0117kminga<\/h2>\n

Verslams, siekiantiems gauti papildom\u0105 finansavim\u0105 veiklai u\u017etikrinti ar jai pl\u0117sti, svarbu \u017einoti pagrindinius kriterijus, kuriais remiantis priimami sprendimai skolinti. Vienas neatsiejam\u0173 rodikli\u0173 \u2013 \u012fmon\u0117s pelno (nuostolio) ataskaita.<\/p>\n

Pelnas neabejotinai yra tarsi \u012fmon\u0117s veiklos s\u0117km\u0117s matas. Kreditoriai palankiau vertins \u012fmones, kurios kiekvienais metais sugeba didinti apyvart\u0105 bei generuoti peln\u0105. Tai rodo, jog \u012fmon\u0117 gali konkuruoti rinkoje, o jos augantys pardavimai rodo, kad teikiama prek\u0117 ar paslauga yra paklausi ir reikalinga vartotojams. Suteikdami paskol\u0105 kreditoriai neabejotinai vertina, ar \u012fmonei u\u017eteks pelno dengti prisiimt\u0105 \u012fsipareigojim\u0105. Tod\u0117l \u012fmon\u0117s veiklos rezultatas, tai yra pelnas (nuostolis), turi tiesiogin\u0117s \u012ftakos kreditavimo rezultatui.<\/p>\n

Dabartin\u0117 situacija po\u017ei\u016br\u012f \u012f \u0161\u012f rodikl\u012f gali koreguoti. \u012emon\u0117ms sud\u0117tinga generuoti peln\u0105 ir didinti pardavimus d\u0117l valstyb\u0117s taikom\u0173 veiklos apribojim\u0173. Visgi norint gauti finansavim\u0105 gali kreiptis net ir nuostolingos \u012fmon\u0117s. Jos tur\u0117t\u0173 tur\u0117ti stipr\u0173 nuosavo kapitalo lyg\u012f, kad gal\u0117t\u0173 padengti sukaupt\u0105 nuostol\u012f. Taip pat tokie verslai tur\u0117t\u0173 pateikti pelningo verslo veiklos prognozes bei prielaidas, kuriomis paremtos prognoz\u0117s.<\/p>\n

 <\/p>\n

Pavojinga priklausyti tik nuo keli\u0173 klient\u0173<\/h2>\n

Taip pat reik\u0161minga nepamir\u0161ti, kad kreditoriai vertina ir \u012fmon\u0117s partnerius \u2013 pirk\u0117jus bei tiek\u0117jus. \u0160iuo atveju, labai svarbu atkreipti d\u0117mes\u012f, kad \u012fmon\u0117 diversifikuot\u0173 savo veikl\u0105, kitaip tariant, neb\u016bt\u0173 priklausoma tik nuo keli\u0173 pirk\u0117j\u0173. Kreditoriai palankiau vertins \u012fmones, kurios prekes ar paslaugas parduoda 10\u201320 skirting\u0173 pirk\u0117j\u0173 ir nei vienas j\u0173 nesudaro li\u016bto dalies.<\/p>\n

Finansavimo procese vertinami ir tiek\u0117jai. Atsi\u017evelgiama \u012f j\u0173 galimybes tiekti prekes bei paslaugas klientui, augim\u0105, kokyb\u0117s kontrol\u0117s sistemos.<\/p>\n

 <\/p>\n

Svarbi ir \u0161alies, su kuria susij\u0119s verslas, rizika<\/h2>\n

Ko gero, kaip ir visiems bendradarbiavimo santykiams, taip ir kreditoriams nepasitik\u0117jim\u0105 kelia neapibr\u0117\u017etumas ir neskaidrumas. Tod\u0117l finansuotojai, vertindami \u012fmones, turi gauti kuo ai\u0161kesn\u0119 ir detalesn\u0119 informacij\u0105. Be i\u0161imties \u2013 ir apie verslo partnerius. B\u016btinai atsi\u017evelgiama \u012f \u0161alies, kurioje partneriai veikia, rizik\u0105. \u0160i analiz\u0117 apima galimus verslo aplinkos poky\u010dius, kurie gali neigiamai paveikti kliento veiklos rezultatus ar turto vert\u0119. Vertinant \u0161alies rizik\u0105 atsi\u017evelgiama \u012f \u012fvairius makroekonominius rodiklius, verslo aplink\u0105, duomen\u0173 prieinamum\u0105, skaidrum\u0105, politikos stabilum\u0105.<\/p>\n

Da\u017eniausia kreditoriai ir draudikai palankiau vertina, jei verslas dirba su \u017eemesn\u0117s rizikos valstyb\u0117mis \u2013 Vakar\u0173 Europos, Jungtin\u0117mis Amerikos Valstijomis, Kanada ir pan. Ir vengia kredituoti tuos, kurie susij\u0119 su auk\u0161tesn\u0117s rizikos \u0161alimis, pavyzd\u017eiui, Rusija, Baltarusija, Iranu, Iraku.<\/p>\n

 <\/p>\n

Per daug ar nepakankamai darbuotoj\u0173 \u2013 signalas kreditoriui<\/h2>\n

Dar vienas reik\u0161mingas rodiklis \u2013 darbuotoj\u0173 skai\u010diaus dinamika. Perteklinis darbuotoj\u0173 skai\u010dius gali parodyti, kad \u012fmon\u0117s darbuotoj\u0173 resursai gali b\u016bti naudojami neefektyviai, vidiniai procesai n\u0117ra optimizuoti. Arba, atvirk\u0161\u010diai, kad \u012fmon\u0117 s\u0117kmingai didina apyvart\u0105, kuria naujas darbo vietas ir jas puikiai integruoja.<\/p>\n

Darbuotoj\u0173 skai\u010diaus ma\u017e\u0117jimas gali liudyti, kad \u012fmon\u0117s preki\u0173 ar paslaug\u0173 paklausa ma\u017e\u0117ja, \u012fmonei nebereikia darbuotoj\u0173, nes darb\u0173 srautas yra ma\u017eesnis nei b\u016bna standarti\u0161kai. Arba, atvirk\u0161\u010diai, \u012fmon\u0117 efektyvina procesus, \u012fsigyja \u012frangos, kuri pakei\u010dia darbuotojus, tod\u0117l dalis darbo rank\u0173 tampa tiesiog nebereikalingos arba jos nukreipiamos vykdyti kitus procesus. Kitaip tariant, ne\u017ei\u016brima tiesiog aklai \u012f darbuotoj\u0173 skai\u010di\u0173, bet stengiamasi suprasti \u0161io skai\u010diaus dinamikos prie\u017eastis ir poky\u010dio \u012ftak\u0105 \u012fmon\u0117s veiklos rezultatams.<\/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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\u0160iomis dienomis, kai neapibr\u0117\u017etumas niekur nesitraukia, o per pasaul\u012f ritasi jau ir tre\u010dia pandemijos banga, labai svarbu u\u017etikrinti, kad verslo palaikymas t\u0119st\u0173si. Da\u017enai \u012fmonei papildomas finansavimas, su valstyb\u0117s pagalba ar be jos, toliau i\u0161lieka reik\u0161mingas. Tiesa, neretai koj\u0105 paki\u0161a nepakankamas \u012fmoni\u0173 pasiruo\u0161imas, tai yra kriterij\u0173, kuriais remiantis teikiamas finansavimas, nei\u0161manymas ar tiesiog ne\u012fsigilinimas. Priklausomai nuo […]<\/p>\n","protected":false},"author":1,"featured_media":21322,"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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