Ile przedsiębiorca musi zapłacić za utrzymanie płynności finansowej

  • Przedsiębiorca potrzebuje kapitału do inwestowania i rozwoju firmy. Na porządku dziennym są jednak sytuacje, kiedy kapitał jest potrzebny nie do rozwoju, a do utrzymania bieżącej płynności.
  • Pomimo dobrej koniunktury gospodarczej firmy nie skracają terminów regulowania należności, a w badaniach co piąty przedsiębiorca (20,1%) odpowiada, że opóźnienia w płatnościach rosną.
  • Z roku na rok coraz większe znaczenie dla utrzymywania płynności ma faktoring, którego koszty systematycznie spadają i mogą zaczynać się od 1,5% za 30 dni.

Indeks Należności Przedsiębiorstw, określający zatory płatniczych w Polsce, w III kwartale 2018 r. wyniósł 89,8 punktu. To wartość najniższa od trzech lat, a im Indeks jest niższy, tym mniej terminowo przedsiębiorcy regulują swoje zafakturowane zobowiązania. Rośnie równocześnie grupa przedsiębiorców, którzy są zdania, że zwiększają się opóźnienia w płatnościach – na koniec III kwartału było to już 20,1 % polskich przedsiębiorców. W takim modelu gospodarki zewnętrzne finansowanie firmom jest potrzebne nie na inwestycje, ale na utrzymanie się na rynku.

Ważne z kim handluje

W źródłach finansowania ciągle dominuje kredyt lub konto z limitem kredytowym, ale ich udział zmniejsza się na korzyść faktoringu. Podstawowa różnica pomiędzy tymi dwoma sposobami finansowania to sposób weryfikacji starających się i zasady przyznawania środków. Faktora interesuje to, z kim przedsiębiorca handluje, jakich ma partnerów biznesowych, komu wystawia faktury, czy to firmy lub instytucje solidne i wypłacalne. W przypadku kredytu przedsiębiorca musi spełnić trudne wymagania banku, przede wszystkim rzadko osiągalną dla młodych podmiotów, zdolność kredytową. Większość początkujących przedsiębiorców nie dysponuje też żadnymi zabezpieczeniami i nie ma długiej historii w banku.

Finansowanie poprzez faktoring, pozwala uregulować bieżące zobowiązania podatkowe, należne ZUS, ale także raty kredytów, leasingu, a nawet należności wobec pracowników związane z wynagrodzeniem.

Przedsiębiorcy mają do wyboru kilka modeli usług faktoringowych, przede wszystkim: klasyczny (niepełny, obecnie najpopularniejszy na rynku) najczęściej oferowany u faktorów pozabankowych i pełny (w którym przedsiębiorca nie ponosi ryzyka niewypłacalności dłużnika). Ten drugi dominuje w przypadku faktorów bankowych. Faktoring pełny jest bardziej komfortowy dla przedsiębiorcy, ale droższy, wyższe są też w tym przypadku wymagania faktorów.

20, 30 a czasem 60 dni

Faktoring niepełny jest tańszy i staje się coraz bardziej konkurencyjny kosztowo. Koszty faktoringu systematycznie spadają. Wpływ ma na to duża konkurencja firm oferujących taką usługę. Powoduje to, że koszty faktoringu coraz bardziej zbliżają się do kredytów bankowych, a w wielu przypadkach są niższe niż te pożyczek firm pozabankowych.

Całkowity koszt usługi faktoringowej może się zamknąć oprocentowaniem 0,05% dziennie, czyli np. od faktury na 10 000 zł będzie to 5 zł dziennie, a 150 zł za 30 dni, ale jeśli środki wpłyną np. po 20 dniach koszt usługi wyniesie 100 zł. Czasem czas uregulowania płatności to miesiąc, czasem dwa, a czasem kilka dni. Oczywiście takie koszty są oferowane partnerom sprawdzonym, z którymi faktor już współpracował. Obowiązuje zasada, że w miarę zacieśniania współpracy prowizją za usługę może spadać – wylicza Tomasz Bentkowski, Dyrektor Regionu Mazowieckiego w eFaktor S.A.

Pułapka zamrożonych pieniędzy

Przeciętna wartość pojedynczej faktury przekazanej do sfinansowania wyniosła w 2017 r. około 22 tys. zł. W najbardziej komfortowy sposób z faktoringu korzystają firmy, które działają na rynku charakteryzującym się wysokimi marżami. Wtedy łatwiej i wygodniej jest podzielić się zyskiem z faktorem, po to, żeby środkami dysponować praktycznie zaraz po wystawieniu faktury. Pułapka polegająca na zamrożeniu znacznych ilości pieniędzy w fakturach jest realna i bardzo groźna, nawet tam, gdzie marże są wysokie. Paradoksalnie jednak faktoring sprawdza się również w biznesach, gdzie marże są niższe, wymaga to jednak świadomego i mądrego zarządzania dostępną gotówką.

W Polsce z faktoringu korzysta coraz więcej firm, które nie tylko są do tego zmuszone powszechnymi zatorami płatniczymi i brakiem oferty banków, ale też traktują faktoring świadomie, jako narzędzie wspierające rozwój i inwestycje.

Małych firm jest w Polsce prawie 2 mln, a luka w finansowaniu przez banki małych i dużych jest wyraźna, ponieważ banki wysoko szacują realne ryzyko udzielenia kredytów małym i średnim firmom. Z drugiej strony faktorzy (i to też niektórzy, zazwyczaj pozabankowi) dopiero od roku, może półtora mają ofertę dostosowaną do małych firm. W szczególności chodzi tu o finansowanie niewielkich faktur, nawet na 100 zł, finansowanie wybranych faktur, a nie całych pakietów, szybką weryfikację wniosku często on-line – mówi Tomasz Bentkowski z eFaktor S.A.

Faktoring jest zdecydowanie bardziej dostępnym narzędziem dla MSP niż kredyty bankowe czy nawet leasing. Banki nie mają odpowiedniej oferty dla MSP i boją się ryzyka związanego z kredytowaniem tej grupy. Dla faktorów najważniejsza jest ocena kontrahenta i kontraktu, a najważniejszym zabezpieczeniem cesja wierzytelności. Faktoring ma dla wielu przedsiębiorców dodatkową i ważną zaletę psychologiczną – dostają własne, już zarobione pieniądze, nie rozwijają się więc na kredyt tylko „za swoje”.

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