Faktoring225

Koniec roku to dla firm czas poprawiania wyników, ale w tym roku jest zbyt dużo wolnego w grudniu

FinboxPosted on
Time to Read:-words
  • Grudzień to dla firm czas poprawiania wyników, śrubowania sprzedaży, finalizowania umów, po to, żeby z dobrym wynikiem zamknąć cały rok.
  • W tym roku kalendarz im nie sprzyja – od soboty 21 grudnia biznes zamiera na ponad dwa tygodnie.
  • Świąteczne dni mogą też wydłużyć czas oczekiwania na przelew. W wolne dni standardowe przelewy nie są przez banki wykonywane, dlatego w IV kwartale zainteresowanie finansowaniem faktoringiem rośnie o ponad 11%.

Przedsiębiorcy starają się zamknąć rok z jak najlepszym wynikiem, dlatego grudzień bywa czasem gorączkowych wysiłków do tego zmierzających. W tym okresie na porządku dziennym (a nawet nocnym) jest wydłużanie godzin pracy. Wielu firmom się to opłaca nawet jeśli wiąże się to z koniecznością płacenia nadgodzin. Dobry bilans roczny pomaga w przyszłości w trakcie starania się o finansowanie czy podczas podpisywania ważnych umów.

W tym roku takich działań nie ułatwia kalendarz – od soboty 21 grudnia biznes zamiera na ponad dwa tygodnie. Z 17 dni które zostają od 21.12 do 06.01 aż 10 jest wolnych. Święta Bożego Narodzenia są co roku, więc tego typu przestoje są oczywiste. W tym roku kalendarz układa się jednak specyficznie, bo pomiędzy dniami świątecznymi są pojedyncze, ew. podwójne dni robocze (teoretycznie). Wielu pracowników na pewno zrobi wszystko, żeby mieć wolne w poniedziałek przed Wigilią czy Sylwestrem.

Przedsiębiorcy zapłacą za nasze święta

Wg ekspertów Konfederacji Lewiatan, każdy dzień ustawowo wolny to 4 mld zł strat dla całej gospodarki. Dużą część kosztów ponoszą firmy.

– Oczywiście nie można tej kwoty przemnożyć przez liczbę wolnych dni pozostałych do końca roku, bo grudniowe święta są uwzględniane we wcześniejszych planach produkcji. Z drugiej strony firmom nie uda się przez tak dużą liczbę dodatkowych wolnych dni nadgonić spóźnionych prac czy produkcji. To może oznaczać dla nich opóźnienia we wpływie środków za wystawione faktury. Co roku widzimy wzmożenie zainteresowania faktoringiem pod koniec roku, bo to pozwala firmom skrócić te terminy przelewów nawet do jednej doby. W tym roku jest to jeszcze bardziej widoczne, można powiedzieć, że otrzymujemy około 11% wniosków więcej w IV kwartale – mówi Anna Konecka – Pająk – Dyrektor Makroregionu Mazowieckiego w eFaktor.

Opóźnienia w płatnościach to od lat duży problem w polskim obrocie handlowym. Na koniec III kwartału tego roku zaległości przedsiębiorstw sięgnęły 31,5 mld zł. To gigantyczna kwota, nie da się jej „ukryć” w księgach rachunkowych. Z powodu opóźnień cierpią przedsiębiorcy. Ci którzy nie zabezpieczyli dla swoich firm zastępczych środków mogą być mocno zagrożeni bankructwem. Tym bardziej, że oczekiwanie na przelew może przedłużać się w nieskończoność. Według danych Związku Przedsiębiorców Finansowych w Polsce i Krajowego Rejestru Długów, obecnie co siódma niezapłacona faktura jest przeterminowana od więcej niż roku.

250 miliardów złotych jest przelewane szybciej

Takie realia wpływają na wzrost popularności faktoringu, który powstał jako remedium na opóźnienia w płatnościach. Według Polskiego Związku Faktorów, wartość faktur finansowanych przez faktorów przekroczyła już ponad ćwierć biliona złotych. To blisko 20-proc. wzrost w stosunku do 2017 r.

– Spodziewamy się, że w tym roku z faktoringu skorzysta jeszcze więcej firm niż robiło to w poprzednich latach. Z jednej strony wpływ na to ma kalendarz i duża liczba dni wolnych, kiedy przelewy nie dotrą do odbiorcy, dodatkowo wydłużając czas oczekiwania na pieniądze. Z drugiej strony z roku na rok coraz więcej przedsiębiorców zna to narzędzie i korzysta z niego upatrując w nim skutecznej metody na utrzymywanie ciągłości finansowej na bezpiecznym poziomie. Tym bardziej, że koszty faktoringu systematycznie spadają – mówi Anna Konecka – Pająk – z eFaktor.

Wg danych po trzech miesiącach oczekiwania na zapłatę wierzyciel ma nawet 80 procent szans na otrzymanie własnych pieniędzy od niesolidnego partnera. Po 12 miesiącach ściągalność długu spada do 10 procent. W takim przypadku, może pomóc odpowiednio wcześnie podpisana umowa faktoringu pełnego.

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