{"id":1092511,"date":"2026-07-15T06:29:22","date_gmt":"2026-07-15T06:29:22","guid":{"rendered":"https:\/\/stscapital.lt\/?p=1092511"},"modified":"2026-07-15T07:35:32","modified_gmt":"2026-07-15T07:35:32","slug":"iltes-programa-imoniu-likvidumo-uztikrinimas","status":"publish","type":"post","link":"https:\/\/stscapital.lt\/lt\/iltes-programa-imoniu-likvidumo-uztikrinimas\/","title":{"rendered":"ILT\u0116S programa \u012fmoni\u0173 likvidumo u\u017etikrinimas: tiesiogin\u0117s paskolos apyvartiniam kapitalui"},"content":{"rendered":"<p>Siekdamos i\u0161laikyti stabilum\u0105 dinami\u0161koje rinkoje, \u012fmon\u0117s neretai susiduria su trumpalaikiais i\u0161\u0161\u016bkiais, susijusiais su pinig\u0173 sraut\u0173 valdymu. Tokiose situacijose valstyb\u0117s skatinamosios finansin\u0117s priemon\u0117s tampa svarbiu \u012frankiu, padedan\u010diu subalansuoti finansinius srautus. \u0160iame straipsnyje analizuojama, kaip veikia <strong>ILT\u0116S\u00a0programa \u012fmoni\u0173 likvidumo u\u017etikrinimas<\/strong>, kokie reikalavimai taikomi parei\u0161k\u0117jams ir kaip tiesiogin\u0117s paskolos apyvartiniam kapitalui padidinti gali pad\u0117ti palaikyti nepertraukiam\u0105 veikl\u0105.<\/p>\n<p>Pirmiausia, \u0161i priemon\u0117 yra orientuota \u012f trumpalaiki\u0173 apyvartini\u0173 l\u0117\u0161\u0173 poreikio tenkinim\u0105 ir laikin\u0173 likvidumo svyravim\u0173 suvaldym\u0105. Skaitydami toliau, su\u017einosite esmines finansavimo s\u0105lygas, reikalavimus \u012fmoni\u0173 finansiniams rodikliams bei apribojimus, kuriuos b\u016btina \u012fvertinti prie\u0161 teikiant parai\u0161k\u0105.<\/p>\n<h2>K\u0105 su\u017einosite \u0161iame straipsnyje?<\/h2>\n<ul>\n<li>Kokios \u012fmon\u0117s gali pretenduoti \u012f tiesiogines paskolas apyvartiniam kapitalui;<\/li>\n<li>Kokie finansiniai ir likvidumo rodikliai yra privalomi parei\u0161k\u0117jams;<\/li>\n<li>Kokios i\u0161laidos yra laikomos tinkamomis finansuoti, o kam l\u0117\u0161\u0173 naudoti negalima;<\/li>\n<li>Kokios yra maksimalios paskol\u0173 sumos bei gr\u0105\u017einimo terminai.<\/li>\n<\/ul>\n<h2>Kaip Iltes programa \u012fmoni\u0173 likvidumo u\u017etikrinimas padeda spr\u0119sti finansinius i\u0161\u0161\u016bkius?<\/h2>\n<p>\u0160i skatinamoji finansin\u0117 priemon\u0117, kurios \u012fgyvendinimui skirta 100 000 000 eur\u0173 i\u0161 INVEGOS fondo l\u0117\u0161\u0173, yra sukurta siekiant suteikti tiesiogin\u012f finansavim\u0105 \u016bkio subjektams. <strong>ILT\u0116S\u00a0programa \u012fmoni\u0173 likvidumo u\u017etikrinimas<\/strong> numato, kad paskolos teikiamos smulkiojo ir vidutinio verslo (SVV) subjektams, didel\u0117ms \u012fmon\u0117ms, verslininkams bei \u017eem\u0117s \u016bkio kooperatin\u0117ms bendrov\u0117ms. Tai leid\u017eia \u012fvairaus dyd\u017eio verslams gauti reikaling\u0105 param\u0105, kai tradiciniai finansavimo \u0161altiniai rinkoje tampa sunkiai prieinami.<\/p>\n<p>Taip pat svarbu pabr\u0117\u017eti, kad parai\u0161kos teikiamos ir vertinamos elektroniniu b\u016bdu per <strong>ILTE<\/strong> savitarnos sistem\u0105. Tod\u0117l procesas yra maksimaliai skaitmenizuotas, o tai gali pad\u0117ti grei\u010diau priimti sprendimus ir operatyviai reaguoti \u012f \u012fmon\u0117s likvidumo poreikius.<\/p>\n<h2>Kod\u0117l \u0161i tema svarbi verslui?<\/h2>\n<p>Apyvartinio kapitalo tr\u016bkumas gali sustabdyti net ir pelningai veikian\u010dios \u012fmon\u0117s kasdien\u0119 veikl\u0105. D\u0117l \u0161ios prie\u017easties galimyb\u0117 gauti valstyb\u0117s finansavim\u0105 palankesn\u0117mis arba rinkos s\u0105lygomis leid\u017eia \u012fmon\u0117ms i\u0161vengti atsiskaitym\u0173 v\u0117lavimo, laiku i\u0161mok\u0117ti darbo u\u017emokest\u012f ir padengti gamybos bei logistikos i\u0161laidas. Be to, i\u0161ankstinis reikalavim\u0173 analizavimas padeda \u012fmon\u0117ms \u012fsivertinti savo realias galimybes gauti finansavim\u0105 ir tinkamai pasiruo\u0161ti parai\u0161kos teikimo procesui.<\/p>\n<h2>K\u0105 rodo pateikti \u0161altiniai?<\/h2>\n<p>Remiantis patvirtintu priemon\u0117s apra\u0161ymu, tiesiogin\u0117s paskolos yra teikiamos ne ilgesniam kaip 36 m\u0117nesi\u0173 laikotarpiui, \u012fskaitant ir galim\u0105 paskolos gr\u0105\u017einimo atid\u0117jimo termin\u0105 iki 12 m\u0117nesi\u0173. Minimali paskolos suma vienam klientui siekia 50 000 eur\u0173, o maksimali negr\u0105\u017einta suma negali vir\u0161yti 1 000 000 eur\u0173 (susijusi\u0173 \u012fmoni\u0173 grupei \u2013 iki 3 000 000 eur\u0173).<\/p>\n<p>Taip pat \u0161altiniai ai\u0161kiai apibr\u0117\u017eia grie\u017etus tinkamumo kriterijus. Pavyzd\u017eiui, parei\u0161k\u0117jas turi veikti ne trumpiau kaip dvejus metus ir atitikti minimalius patikimo mokes\u010di\u0173 mok\u0117tojo kriterijus. Ypatingas d\u0117mesys skiriamas \u012fmon\u0117s finansinei b\u016bklei vertinti:<\/p>\n<ul>\n<li>Juridini\u0173 asmen\u0173 bendrojo likvidumo rodiklis (trumpalaikis turtas \/ trumpalaikiai \u012fsipareigojimai) turi b\u016bti ma\u017eesnis nei 1, bet ne ma\u017eesnis nei 0,5;<\/li>\n<li>\u017dem\u0117s \u016bkio kooperatini\u0173 bendrovi\u0173 kritinio likvidumo rodiklis turi b\u016bti ma\u017eesnis nei 1;<\/li>\n<li>Fizini\u0173 asmen\u0173 (verslinink\u0173) skolos rodiklis turi b\u016bti didesnis nei 0,6, bet ne didesnis nei 0,8.<\/li>\n<\/ul>\n<p>Kita vertus, jei paskola teikiama rinkos s\u0105lygomis, \u012fmon\u0117 privalo pateikti bent vienos finans\u0173 \u012fstaigos atsisakymo suteikti finansavim\u0105 pa\u017eym\u0105, \u012frodan\u010di\u0105, kad neturi galimyb\u0117s gauti l\u0117\u0161\u0173 rinkoje.<\/p>\n<h2>K\u0105 verta \u012fsivertinti prakti\u0161kai?<\/h2>\n<ul>\n<li><strong>Tinkamos i\u0161laidos:<\/strong> Paskolos l\u0117\u0161as galima naudoti trumpalaikiam turtui \u012fsigyti, nuomos, komunalin\u0117ms, logistikos bei gamybos i\u0161laidoms padengti, taip pat darbo u\u017emokes\u010diui mok\u0117ti (ne ilgiau kaip 6 m\u0117nesi\u0173 laikotarpiui).<\/li>\n<li><strong>Nefinansuojamos veiklos:<\/strong> Finansavimas neteikiamas finansinei ir draudimo veiklai (i\u0161skyrus finansini\u0173 technologij\u0173 srit\u012f), ginkl\u0173, tabako, azartini\u0173 lo\u0161im\u0173 bei didmenin\u0117s prekybos alkoholiu sektoriams.<\/li>\n<li><strong>Sankcij\u0173 ir prekybos ribojimai:<\/strong> Parei\u0161k\u0117jai negali tur\u0117ti joki\u0173 prekybini\u0173 \u012fsipareigojim\u0173 su Rusijos Federacija, Baltarusija ar kitomis nebekontroliuojamomis teritorijomis (\u012fsipareigojimai tur\u0117jo b\u016bti nutraukti ne v\u0117liau kaip iki 2022 m. rugpj\u016b\u010dio 31 d.).<\/li>\n<li><strong>Nuosavo kapitalo reikalavimas:<\/strong> \u012emon\u0117s nuosavyb\u0117s rodiklis po paskolos suteikimo turi b\u016bti ne ma\u017eesnis kaip 0,1 arba 0,15, o nuosavas kapitalas (be tre\u010di\u0173j\u0173 asmen\u0173 subordinuot\u0173 paskol\u0173) privalo i\u0161likti teigiamas.<\/li>\n<\/ul>\n<h2>Kaip pasiruo\u0161ti kitam \u017eingsniui?<\/h2>\n<ol>\n<li>Rekomenduojama atid\u017eiai \u012fsivertinti paskutinio ataskaitinio ketvir\u010dio finansines ataskaitas ir pasiskai\u010diuoti bendrojo arba kritinio likvidumo rodiklius.<\/li>\n<li>Verta patikrinti, ar V\u012e \u201eRegistr\u0173 centras\u201c yra pateikti visi reikalingi paskutini\u0173 dvej\u0173 finansini\u0173 met\u0173 finansini\u0173 ataskait\u0173 rinkiniai.<\/li>\n<li>Reik\u0117t\u0173 pasiruo\u0161ti dokumentus, pagrind\u017eian\u010dius apyvartini\u0173 l\u0117\u0161\u0173 poreik\u012f bei planuojamas i\u0161laidas.<\/li>\n<li>Galiausiai, jei planuojama kreiptis d\u0117l paskolos rinkos s\u0105lygomis, naudinga i\u0161 anksto kreiptis \u012f komercin\u012f bank\u0105 ar kit\u0105 finans\u0173 \u012fstaig\u0105 d\u0117l finansavimo atsisakymo pa\u017eymos gavimo.<\/li>\n<\/ol>\n<p>Be to, jei norite \u012fsivertinti, kaip \u0161i tema gali b\u016bti susijusi su j\u016bs\u0173 projektu ar finansavimo galimyb\u0117mis, galite <a href=\"\/kontaktai\/\">susisiekti su STS Capital konsultantais<\/a>.<\/p>\n<p><em>Straipsnis yra informacinio pob\u016bd\u017eio. Prie\u0161 priimant sprendimus d\u0117l finansavimo, investicij\u0173 ar projekto \u012fgyvendinimo, rekomenduojama pasitikrinti aktuali\u0105 informacij\u0105 oficialiuose \u0161altiniuose.<\/em><\/p>\n<h2>Kontaktai:<\/h2>\n<p>Norite su\u017einoti, kurios finansavimo galimyb\u0117s gali b\u016bti aktualios j\u016bs\u0173 verslui ar projektui? Susisiekite su UAB \u201eSTS Capital\u201c komanda, ir mes pad\u0117sime \u012fsivertinti galimus finansavimo kelius.<\/p>\n<p><em>El. pa\u0161tas: <a href=\"mailto:info@stscapital.lt\">info@stscapital.lt<\/a><\/em><\/p>\n<p><em>Telefonas: <a href=\"tel:+37065265807\">+370 652 65807<\/a><\/em><\/p>\n<p><em>Svetain\u0117: <a href=\"https:\/\/www.stscapital.lt\">https:\/\/www.stscapital.lt<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Siekdamos i\u0161laikyti stabilum\u0105 dinami\u0161koje rinkoje, \u012fmon\u0117s neretai susiduria su trumpalaikiais i\u0161\u0161\u016bkiais, susijusiais su pinig\u0173 sraut\u0173 valdymu. Tokiose situacijose valstyb\u0117s skatinamosios finansin\u0117s priemon\u0117s tampa svarbiu \u012frankiu, padedan\u010diu subalansuoti finansinius srautus. \u0160iame straipsnyje analizuojama, kaip veikia ILT\u0116S\u00a0programa \u012fmoni\u0173 likvidumo u\u017etikrinimas, kokie reikalavimai taikomi parei\u0161k\u0117jams ir kaip tiesiogin\u0117s paskolos apyvartiniam kapitalui padidinti gali pad\u0117ti palaikyti nepertraukiam\u0105 veikl\u0105. Pirmiausia, [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":1092514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Iltes programa \u012fmoni\u0173 likvidumo u\u017etikrinimas","_yoast_wpseo_title":"Iltes programa \u012fmoni\u0173 likvidumo u\u017etikrinimas: paskolos verslui","_yoast_wpseo_metadesc":"Iltes programa: kaip \u012fmoni\u0173 likvidumo u\u017etikrinimas padeda spr\u0119sti apyvartinio kapitalo tr\u016bkum\u0105 ir kokios yra tiesiogini\u0173 paskol\u0173 s\u0105lygos.","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1092511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-verslo-ir-viesojo-sektoriaus-konsultacijos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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