{"id":103629,"date":"2025-10-28T12:15:18","date_gmt":"2025-10-28T10:15:18","guid":{"rendered":"https:\/\/www.baltic-course.com\/lv\/?p=103629"},"modified":"2025-10-28T12:15:18","modified_gmt":"2025-10-28T10:15:18","slug":"latvijas-biznesa-vide-nostiprinas-tendence-kreditus-uznemumiem-uznemejdarbibas-izaicinajumu-risinasanai-sanemt-operativi","status":"publish","type":"post","link":"https:\/\/www.baltic-course.com\/lv\/latvijas-biznesa-vide-nostiprinas-tendence-kreditus-uznemumiem-uznemejdarbibas-izaicinajumu-risinasanai-sanemt-operativi\/103629","title":{"rendered":"Latvijas biznesa vid\u0113 nostiprin\u0101s tendence kred\u012btus uz\u0146\u0113mumiem uz\u0146\u0113m\u0113jdarb\u012bbas izaicin\u0101jumu risin\u0101\u0161anai sa\u0146emt operat\u012bvi"},"content":{"rendered":"<p><b> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-103630\" src=\"https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2025\/10\/1aa2a1a-4.jpg\" alt=\"\" width=\"818\" height=\"520\" srcset=\"https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2025\/10\/1aa2a1a-4.jpg 818w, https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2025\/10\/1aa2a1a-4-768x488.jpg 768w, https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2025\/10\/1aa2a1a-4-174x111.jpg 174w\" sizes=\"auto, (max-width: 818px) 100vw, 818px\" \/><\/b><\/p>\n<p><strong>Teiciens \u00abLaiks ir nauda\u00bb ir viens no biznesa pasaules pamatprincipiem, un Latvijas uz\u0146\u0113m\u0113jdarb\u012bbas vid\u0113 \u0161obr\u012bd tas ir paties\u0101ks nek\u0101 jebkad. Dinamiskais darba ritms stiprina tendenci uz\u0146\u0113mumiem operat\u012bvi aiz\u0146emties projektu realiz\u0113\u0161anai nepiecie\u0161amo finans\u0113jumu un elast\u012bgi tos atgriezt, izmantojot kred\u012btbr\u012bvdienas un citus risin\u0101jums. Uz\u0146\u0113mumu finans\u0113t\u0101ja <em>Cityfinances<\/em> apkopotie dati r\u0101da, ka komersanti tiecas sa\u0146emt finans\u0113jumu dienas laik\u0101 un atmaks\u0101t to aptuveni gada laik\u0101.<\/strong><\/p><div class=\"2e6ae01b4f90ae739e66a2cc7f5e8528\" data-index=\"1\" style=\"float: none; margin:10px 0 10px 0; text-align:center;\">\n <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8775106392232080\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Baltic course LV aug\u0161a -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8775106392232080\"\r\n     data-ad-slot=\"4540934099\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n\n<p>\u0160\u012b tendence atspogu\u013co uz\u0146\u0113mumu v\u0113lmi b\u016bt maksim\u0101li elast\u012bgiem, izvairoties no ilgtermi\u0146a saist\u012bb\u0101m nestabil\u0101 \u0123eopolitiskaj\u0101 un biznesa vid\u0113. Ar\u012b <em>Ekonomisk\u0101s sadarb\u012bbas un att\u012bst\u012bbas organiz\u0101cijas<\/em> (OECD) un Eiropas Centr\u0101l\u0101s bankas (ECB) atskaites par 2024. un 2025. gadu, liecina, ka uz\u0146\u0113mumi arvien bie\u017e\u0101k izmanto \u012bstermi\u0146a finans\u0113\u0161anas instrumentus nevis tradicion\u0101los ilgtermi\u0146a banku kred\u012btus. To veicina vair\u0101ki faktori. Neprognoz\u0113jamais procentu likmju k\u0101pums 2022. gad\u0101 padar\u012bja ilgtermi\u0146a kred\u012btus nesam\u0113r\u012bgi d\u0101rgus, ta\u010du uz\u0146\u0113mumiem bija nepiecie\u0161ami l\u012bdzek\u013ci att\u012bst\u012bbai, t\u0101d\u0113\u013c tie cent\u0101s aiz\u0146emties naudu tikai uz tik ilgu laiku, cik nepiecie\u0161ams, lai minimiz\u0113tu procentu izmaksas.<\/p>\n<p>Otrs faktors ir vajadz\u012bba operat\u012bvi bez liekas birokr\u0101tijas ieg\u016bt apgroz\u0101mos l\u012bdzek\u013cus.<\/p>\n<p>\u00abVisbie\u017e\u0101k uz\u0146\u0113mumi v\u0113r\u0161as pie <em>Cityfinances<\/em>, kad tiem ir vajadz\u012bgs finans\u0113jums k\u0101da projekta \u012bsteno\u0161anai. Uz\u0146\u0113muma vad\u012bba zina, ka samaksu sa\u0146ems p\u0113c vair\u0101kiem m\u0113ne\u0161iem, bet l\u012bdzek\u013cus izejvielu ieg\u0101dei, darbinieku alg\u0101m, nodok\u013ciem un citiem svar\u012bgiem maks\u0101jumiem vajadz\u0113ja jau vakar. T\u0101d\u0113\u013c nepiecie\u0161ams operat\u012bvs aizdevums, ko var atdot dr\u012bz p\u0113c projekta pabeig\u0161anas. T\u0101 k\u0101 <em>Cityfinances<\/em> izskata uz\u0146\u0113mu pieteikumus 5 min\u016bt\u0113s un uzreiz p\u0113c apstiprin\u0101\u0161anas ieskaita naudu klienta bankas kont\u0101, komersanti labpr\u0101t izmanto iesp\u0113ju tikt pie finans\u0113juma vienas dienas laik\u0101,\u00bb saka <em>Cityfinances<\/em> vad\u012bt\u0101js <strong>Ivars V\u012btols<\/strong>, piebilstot, ka Latvijas uz\u0146\u0113mumi vien\u0101 reiz\u0113 visbie\u017e\u0101k aiz\u0146emas no 45 l\u012bdz 125 t\u016bksto\u0161iem eiro un kred\u012btu atmaks\u0101 vid\u0113ji viena gada laik\u0101. To, ka \u0161\u0101da k\u0101rt\u012bba uz\u0146\u0113mumus apmierina, apliecina fakts, ka 92% no <em>Cityfinances<\/em> klientiem pras\u012bju\u0161i un sa\u0146\u0113mu\u0161i n\u0101kamo finans\u0113jumu.<\/p>\n<p>OECD dati r\u0101da, ka \u0101tras aizdevuma uz\u0146\u0113mumam atmaks\u0101\u0161anas tendence nov\u0113rojama ar\u012b citur pasaul\u0113. Apgroz\u0101mos l\u012bdzek\u013cus uz\u0146\u0113mumi parasti aiz\u0146emas uz vienu l\u012bdz diviem gadiem, savuk\u0101rt r\u0113\u0137inu finans\u0113\u0161anai aiz\u0146emt\u0101 nauda tiek atdota pat 30 \u2013 90 dienu laik\u0101.<\/p>\n<p>10 gadus ilgaj\u0101 darb\u012bbas laik\u0101 <em>Cityfinances<\/em> izsniedzis vair\u0101k nek\u0101 tr\u012bs t\u016bksto\u0161us kred\u012btus uz\u0146\u0113mumiem visda\u017e\u0101d\u0101kaj\u0101s Latvijas tautsaimniec\u012bbas nozar\u0113s, pal\u012bdzot tiem \u012bstenot da\u017e\u0101dus izaugsmes projektus. Piem\u0113ram, k\u0101ds met\u0101lapstr\u0101des uz\u0146\u0113mums aiz\u0146\u0113m\u0101s l\u012bdzek\u013cus modern\u0101ka apr\u012bkojuma ieg\u0101dei un 18 m\u0113ne\u0161u laik\u0101 palielin\u0101ja ien\u0101kumus par vair\u0101k nek\u0101 200%. Lauksaimniec\u012bbas uz\u0146\u0113mumam \u0101trs kred\u012bts \u013c\u0101va izmantot izdev\u012bgu pied\u0101v\u0101jumu automatiz\u0113t ra\u017eo\u0161anas procesu un b\u016btiski palielin\u0101t ien\u0101kumus jau taj\u0101 pa\u0161\u0101 sezon\u0101. Savuk\u0101rt lo\u0123istikas komp\u0101nijai \u0101tri sa\u0146emts finans\u0113jums pal\u012bdz\u0113ja nekav\u0113joties saremont\u0113t kravas automa\u0161\u012bnu un izvair\u012bties no t\u0101s d\u012bkst\u0101ves.<\/p>\n<p><strong>Par Cityfinances<\/strong><\/p>\n<p><em>Cityfinances<\/em> ir Latvijas kapit\u0101la uz\u0146\u0113mums, kas specializ\u0113jas aizdevumu izsnieg\u0161an\u0101 komersantiem. 10 gadu darb\u012bbas laik\u0101 <em>Cityfinances<\/em> izsniedzis kred\u012btus uz\u0146\u0113mumiem vismaz 300 miljonu eiro apm\u0113r\u0101, pal\u012bdzot vair\u0101k nek\u0101 3000 uz\u0146\u0113mumiem no visda\u017e\u0101d\u0101kaj\u0101m nozar\u0113m \u012bstenot att\u012bst\u012bbas projektus. B\u016btiska <em>Cityfinances<\/em> uz\u0146\u0113m\u0113jdarb\u012bbas priek\u0161roc\u012bba ir \u0101tra finans\u0113juma izsnieg\u0161ana. Jau 5 min\u016bt\u0113s p\u0113c piepras\u012bjuma iesnieg\u0161anas uz\u0146\u0113mums sa\u0146em atbildi, un pozit\u012bva nov\u0113rt\u0113juma gad\u012bjum\u0101 aizdevums tiek p\u0101rskait\u012bts taj\u0101 pa\u0161\u0101 dien\u0101.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Vair\u0101k inform\u0101cijas: <\/strong><strong>www.cityfinances.lv<\/strong><\/p>\n\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Teiciens \u00abLaiks ir nauda\u00bb ir viens no biznesa pasaules pamatprincipiem, un Latvijas uz\u0146\u0113m\u0113jdarb\u012bbas vid\u0113 \u0161obr\u012bd tas ir paties\u0101ks nek\u0101 jebkad.<\/p>\n","protected":false},"author":53,"featured_media":103630,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[481,483,1672],"tags":[],"class_list":["post-103629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dzivesstils","category-interesanti","category-svarigi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Latvijas biznesa vid\u0113 nostiprin\u0101s tendence kred\u012btus uz\u0146\u0113mumiem uz\u0146\u0113m\u0113jdarb\u012bbas izaicin\u0101jumu risin\u0101\u0161anai sa\u0146emt operat\u012bvi<\/title>\n<meta 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