Mali przedsiębiorcy wystawili w lipcu o 8% więcej faktur niż w lutym, przed pandemią

  • Przedsiębiorcy pomimo pandemii optymistycznie patrzą na prowadzony przez siebie biznes.  Produkują i sprzedają – w lipcu wystawili o 10% więcej faktur niż w czerwcu, a nawet o 8% więcej niż w lutym, przed pandemią.
  • Duża liczba faktur to dobra wiadomość także dla finansów publicznych, bo oznacza większe wpływy z VATu. W lipcu to o 15% więcej niż w lutym.
  • Tak dynamiczne odbicie po ograniczeniach w funkcjonowaniu gospodarki jest możliwe dzięki instytucjom finansowym łączącym sprzeczne potrzeby wystawiających faktury i je płacących.

Lipcowy odczyt wskaźnika PMI dla polskiego sektora wytwórczego wyniósł 52,8 pkt. To aż 5,6 pkt. więcej niż w czerwcu. Po raz ostatni polski PMI znajdował się na takim poziomie dwa lata temu, w lipcu 2018 r. (52,9 pkt.). PMI to podawany przez firmę badawczą IHS Markit wskaźnik optymizmu przedsiębiorców, odczytywany z ankiet wypełnianych przez menedżerów firm. Wynik powyżej 50 punktów wskazuje na dobrą koniunkturę gospodarczą.

Optymizm przedsiębiorców w znacznej części wynika z ekspansji gospodarczej i dużej liczby wystawianych faktur. Eksperci z serwisu Faktura.pl sprawdzili, czy mikrofirmy, które najczęściej korzystają z portalu, rzeczywiście wystawiły w lipcu więcej faktur.

– Nasze dane potwierdzają optymizm, jaki widać we wskaźniku PMI. W lipcu przedsiębiorcy MSP wystawili aż o 10% więcej faktur niż w czerwcu. Oznacza to bardzo duży wzrost aktywności gospodarczej. Skalę odbicia jeszcze lepiej widać, kiedy liczbę faktur z lipca porównamy z tą z kwietnia – najgorszego miesiąca pod względem aktywności MSP: w ubiegłym miesiącu faktur było więcej o ¼, dokładnie o 26%. W lipcu mikrofirmy wystawiły ich więcej nawet niż w lutym – ostatnim miesiącu przed pandemią (o 8%) – mówi Grzegorz Grodek z Faktura.pl.

Turyści nie oszczędzali na jedzeniu

Największy wzrost liczby wystawionych w lipcu faktur w stosunku do czerwca widać w dokumentach ze stawką 5% VAT – więcej aż o 28%. Na takiej stawce VATu działa część przedsiębiorców sprzedających wyroby spożywcze np. oleje, mleko, mięso, owoce i warzywa, pieczywo, sery. Wg takiej stawki rozlicza się też część usług gastronomicznych. Te, które przeżyły zapaść w kwietniu w lipcu korzystały na wakacyjnej hossie. Liczby pokazują, że turyści wyjeżdżający w góry czy nad morze nie oszczędzali na jedzeniu.

Więcej faktur, to więcej pieniędzy w budżecie, także na pomoc dla biznesu

Duża liczba wystawianych faktur to dobry sygnał dla gospodarki, ale także dla budżetu państwa. Oznacza większe wpływy z VATu. Jego wartość zapisana na dokumentach wystawionych przez przedsiębiorców za pośrednictwem serwisu Faktura.pl była w lipcu o 10% większa niż w czerwcu i 15% większa niż w lutym, przed pandemią.

Najmniejsze firmy w Polsce odpowiadają za 30% PKB, więc jeżeli nominalne PKB Polski to 607 mld dol. to udział mikrofirm w tej kwocie sięga 182 mld, czyli (według kursu z początku sierpnia) 682,5 mld złotych. Jeśli uśrednimy tę kwotę na 12 miesięcy, otrzymamy prawie 57 mld złotych miesięcznej kontrybucji mikrofirm do PKB. Lipcowy wzrost wartości VAT o 10% w stosunku do czerwca oznacza, że PKB dzięki wzrostowi aktywności przedsiębiorców zwiększyło się o dodatkowe 5,7 mld zł. To dobra wiadomość dla nas wszystkich, także dla firm, bo wsparcie biznesu w ramach tarcz rządowych w znaczącej części jest finansowane z wpływów z VATu.

To nie jest czas, na marnowanie… czasu

Biznes nie daje się koronawirusowi. Przedsiębiorcy produkują i wykonują usługi. Ich optymizm przekłada się na otwartość na korzystanie z nowych narzędzi finansowych. Wprawdzie trzeba za nie zapłacić prowizje, ale przyspieszają obrót handlowy i przepływ gotówki, zwiększają także płynność.

– Obserwujemy znaczący wzrost zainteresowania faktoringiem ze strony mikrofirm. Dotyczy to nie tylko biznesów, które od dawna z nami współpracują – te kierują do finansowania znaczne większą liczbę faktur. Ogromny wzrost zainteresowania faktoringiem zauważamy też ze strony nowych firm, a nawet branż, które wcześniej nie korzystały z takiego modelu finansowania – mówi Jakub Szymczak z Finea. – Covid-19 dołożył do terminu przelewu tydzień lub dwa. W czasie zamrożenia gospodarki wielu przedsiębiorców wykorzystało rezerwowe środki, więc teraz nie mogą już czekać na zapłatę. Ich partnerzy biznesowi np. odbierający produkcję też pozbyli się rezerwowych środków. Chcą zamawiać, ale płacić wolą z opóźnieniem. Tę rozbieżność czy też lukę biznes „zasypuje” faktoringiem, który skraca dystans pomiędzy wystawcami faktur, a ich płatnikami. W lipcu liczba faktur przekazywanych nam do finansowania była większa niż w najlepszym miesiącu funkcjonowania przed pandemią. Zanotowaliśmy rekordowy miesiąc zarówno pod względem ilości sfinansowanych faktur jak i pozyskaniem nowych Klientów. Znaczna część przedsiębiorców podchodzi do korzystania z takiego wsparcia świadomie i jest w stanie zapłacić prowizję, za usługę, która przyspiesza, a czasem wręcz uruchamia obrót handlowy – dodaje Jakub Szymczak, Finea.

Biznesowi odbiorcy kupują i odbierają prace. Nie chcą tylko… płacić. W każdym razie nie od razu po wykonaniu usługi. Potrzebują więcej czasu na zgromadzenie środków. Czekać za to nie mogą wystawcy faktur – ci potrzebują środków na już. Ta powiększająca się luka i rozbieżność pomiędzy potrzebami i oczekiwaniami przedsiębiorców jest wypełniana przez usługi finansowe, w szczególności faktoring.

281 Replies to “Mali przedsiębiorcy wystawili w lipcu o 8% więcej faktur niż w lutym, przed pandemią

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