Faktoring – łatwe rozwiązanie na trudne czasy?

  • 63% przedsiębiorców sektora MŚP przyznaje, że z powodu epidemii koronawirusa ma większe problemy z terminowym uzyskiwaniem płatności od kontrahentów – wynika z danych KRD.
  • Jeżeli zastój gospodarczy przedłuży się jeszcze o kilka miesięcy, to firmy w obawie o własne finanse będą wstrzymywały wypłaty należności, a problem z zatorami płatniczymi znacznie się pogłębi.
  • W tej nowej rzeczywistości na znaczeniu zyska faktoring, dzięki któremu firma może „od ręki” odzyskać 80-90% wartości faktury. 

Polski Instytut Ekonomiczny przygotował 3 prognozy gospodarcze dla Polski. Pierwsza – optymistyczna -zakłada, że w 2020 r. przewidywany 3,5 proc. wzrost PKB spadnie o 2,4 proc. Drugi scenariusz wskazuje już na recesję, natomiast trzeci, najbardziej pesymistyczny, przewiduje dla Polski stan podobny do globalnego kryzysu finansowego z 2009 r. Wszystkie te prognozy oznaczają jedno – polskie firmy znajdą się w trudniejszej sytuacji niż zakładały, dlatego niektóre już teraz podejmują działania mające im pomóc przetrwać ten czas.

Firmy zamiast płacić faktury, oszczędzają na „czarną godzinę”

W badaniu przeprowadzonym przez IMAS International na zlecenie Krajowego Rejestru Długów aż 63% przedsiębiorców twierdzi, że z powodu epidemii mierzą się z opóźnieniami w spłacie należności przez kontrahentów. Co ważne, 27% ankietowanych przyznało, że choć sami mają pieniądze, to nie regulują faktur, aby móc odłożyć na „czarną godzinę”. Jednocześnie 65% badanych uważa, że ich kontrahenci postępują podobnie.

Tego typu postępowanie, choć zrozumiałe w tak niepewnych czasach, jest prostą drogą do powstania zatorów płatniczych. Jeżeli duża firma nie zapłaci podwykonawcy za wykonanie usługi, to należnych pieniędzy nie otrzyma także np. dostawca materiałów, itd. W dobie koronawirusa już i tak mamy do czynienia z problemami z dostępnością niezbędnych do funkcjonowania firmy produktów, jeżeli do tego dojdą zatory płatnicze, to wiele firm będzie musiało nawet zakończyć działalność – mówi Michał Kuczyński z ANG Biznes.

Rozwiązaniem faktoring?

Terminy płatności za sprzedane towary czy wykonane usługi sięgają nawet kilkudziesięciu dni. Jeżeli dołożymy do tego, opóźnienia wynikające z nieprzestrzegania terminowości płatności przez kontrahentów, to w dobie epidemii problemy z płynnością finansową mogą być przyczyną upadłości firmy. Odpowiedzią na tego typu problemy może być faktoring, czyli zamiana faktur z odroczonym terminem płatności na gotówkę – niemalże natychmiast.

Firma faktoringowa po otrzymaniu faktury wypłaca wystawcy zazwyczaj 80-90% jej wartości, a po otrzymaniu płatności od odbiorcy rozlicza się z pozostałej części. Jest to przydatne narzędzie, które coraz częściej wybierają polskie firmy. W ostatnich tygodniach obserwujemy większe zainteresowanie faktoringiem, nasi klienci już odczuwają negatywne skutki spowolnienia gospodarczego związanego z koronawirusem, przewidujemy, że w ciągu następnych tygodni zainteresowanie faktoringiem będzie jeszcze większe – dodaje Michał Kuczyński.

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