Teiciens «Laiks ir nauda» ir viens no biznesa pasaules pamatprincipiem, un Latvijas uzņēmējdarbības vidē šobrīd tas ir patiesāks nekā jebkad. Dinamiskais darba ritms stiprina tendenci uzņēmumiem operatīvi aizņemties projektu realizēšanai nepieciešamo finansējumu un elastīgi tos atgriezt, izmantojot kredītbrīvdienas un citus risinājums. Uzņēmumu finansētāja Cityfinances apkopotie dati rāda, ka komersanti tiecas saņemt finansējumu dienas laikā un atmaksāt to aptuveni gada laikā.
Šī tendence atspoguļo uzņēmumu vēlmi būt maksimāli elastīgiem, izvairoties no ilgtermiņa saistībām nestabilā ģeopolitiskajā un biznesa vidē. Arī Ekonomiskās sadarbības un attīstības organizācijas (OECD) un Eiropas Centrālās bankas (ECB) atskaites par 2024. un 2025. gadu, liecina, ka uzņēmumi arvien biežāk izmanto īstermiņa finansēšanas instrumentus nevis tradicionālos ilgtermiņa banku kredītus. To veicina vairāki faktori. Neprognozējamais procentu likmju kāpums 2022. gadā padarīja ilgtermiņa kredītus nesamērīgi dārgus, taču uzņēmumiem bija nepieciešami līdzekļi attīstībai, tādēļ tie centās aizņemties naudu tikai uz tik ilgu laiku, cik nepieciešams, lai minimizētu procentu izmaksas.
Otrs faktors ir vajadzība operatīvi bez liekas birokrātijas iegūt apgrozāmos līdzekļus.
«Visbiežāk uzņēmumi vēršas pie Cityfinances, kad tiem ir vajadzīgs finansējums kāda projekta īstenošanai. Uzņēmuma vadība zina, ka samaksu saņems pēc vairākiem mēnešiem, bet līdzekļus izejvielu iegādei, darbinieku algām, nodokļiem un citiem svarīgiem maksājumiem vajadzēja jau vakar. Tādēļ nepieciešams operatīvs aizdevums, ko var atdot drīz pēc projekta pabeigšanas. Tā kā Cityfinances izskata uzņēmu pieteikumus 5 minūtēs un uzreiz pēc apstiprināšanas ieskaita naudu klienta bankas kontā, komersanti labprāt izmanto iespēju tikt pie finansējuma vienas dienas laikā,» saka Cityfinances vadītājs Ivars Vītols, piebilstot, ka Latvijas uzņēmumi vienā reizē visbiežāk aizņemas no 45 līdz 125 tūkstošiem eiro un kredītu atmaksā vidēji viena gada laikā. To, ka šāda kārtība uzņēmumus apmierina, apliecina fakts, ka 92% no Cityfinances klientiem prasījuši un saņēmuši nākamo finansējumu.
OECD dati rāda, ka ātras aizdevuma uzņēmumam atmaksāšanas tendence novērojama arī citur pasaulē. Apgrozāmos līdzekļus uzņēmumi parasti aizņemas uz vienu līdz diviem gadiem, savukārt rēķinu finansēšanai aizņemtā nauda tiek atdota pat 30 – 90 dienu laikā.
10 gadus ilgajā darbības laikā Cityfinances izsniedzis vairāk nekā trīs tūkstošus kredītus uzņēmumiem visdažādākajās Latvijas tautsaimniecības nozarēs, palīdzot tiem īstenot dažādus izaugsmes projektus. Piemēram, kāds metālapstrādes uzņēmums aizņēmās līdzekļus modernāka aprīkojuma iegādei un 18 mēnešu laikā palielināja ienākumus par vairāk nekā 200%. Lauksaimniecības uzņēmumam ātrs kredīts ļāva izmantot izdevīgu piedāvājumu automatizēt ražošanas procesu un būtiski palielināt ienākumus jau tajā pašā sezonā. Savukārt loģistikas kompānijai ātri saņemts finansējums palīdzēja nekavējoties saremontēt kravas automašīnu un izvairīties no tās dīkstāves.
Par Cityfinances
Cityfinances ir Latvijas kapitāla uzņēmums, kas specializējas aizdevumu izsniegšanā komersantiem. 10 gadu darbības laikā Cityfinances izsniedzis kredītus uzņēmumiem vismaz 300 miljonu eiro apmērā, palīdzot vairāk nekā 3000 uzņēmumiem no visdažādākajām nozarēm īstenot attīstības projektus. Būtiska Cityfinances uzņēmējdarbības priekšrocība ir ātra finansējuma izsniegšana. Jau 5 minūtēs pēc pieprasījuma iesniegšanas uzņēmums saņem atbildi, un pozitīva novērtējuma gadījumā aizdevums tiek pārskaitīts tajā pašā dienā.
Vairāk informācijas: www.cityfinances.lv
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