Amsterdame \u012fsik\u016brusi finansini\u0173 technologij\u0173 bendrov\u0117 \u201eDuqu\u201c pritrauk\u0117 1,5 mln. eur\u0173 ankstyvosios stadijos (pre-seed) investicij\u0105. Finansavime dalyvavo fondai \u201eCuriosity VC\u201c ir \u201eNo Such Ventures\u201c, o bendrov\u0117 ketina pl\u0117sti paslaug\u0105, skirt\u0105 \u012fmoni\u0173 apyvartin\u0117ms l\u0117\u0161oms grei\u010diau pasiekti.<\/p>\n
\u201eDuqu\u201c si\u016blo trumpalaikius avansus pagal neapmok\u0117tas verslas verslui s\u0105skaitas fakt\u016bras, kai \u012fmon\u0117 jau yra u\u017edirbusi pajamas, bet dar laukia apmok\u0117jimo. Tai sprend\u017eia vien\u0105 da\u017eniausi\u0173 kasdien\u0117s veiklos problem\u0173, kai d\u0117l v\u0117luojan\u010di\u0173 mok\u0117jim\u0173 tenka dengti atlyginimus, atsargas, rinkodar\u0105 ar samdym\u0105 neturint laisv\u0173 pinig\u0173 sraut\u0173.<\/p>\n
Bendrov\u0117s teigimu, Nyderlanduose 46 proc. verslas verslui s\u0105skait\u0173 apmokamos po termino, tod\u0117l \u012fmon\u0117s priverstos laukti l\u0117\u0161\u0173 ilgiau nei planuota. Tokia situacija didina poreik\u012f lanks\u010diam finansavimui, ypa\u010d smulkiam ir vidutiniam verslui, kuriam net trumpas v\u0117lavimas gali sustabdyti augim\u0105.<\/p>\n
Platforma \u012fvertina pateiktas neapmok\u0117tas s\u0105skaitas fakt\u016bras ir pagal \u0161\u012f vertinim\u0105 perveda avans\u0105, atitinkant\u012f s\u0105skaitos sum\u0105. \u201eDuqu\u201c pabr\u0117\u017eia skirtum\u0105 nuo faktoringo: \u012fmon\u0117 i\u0161laiko s\u0105skait\u0173 nuosavyb\u0119 ir kontrol\u0119 santykiuose su klientais, o paslauga netaiko i\u0161 anksto nustatyt\u0173 minimali\u0173 ar maksimali\u0173 limit\u0173.<\/p>\n
U\u017e avans\u0105 mokamas mokestis tik tada, kai \u012fmon\u0117 realiai pasinaudoja paslauga. Patvirtinus parai\u0161k\u0105, l\u0117\u0161os pervedamos per 24 valandas, o da\u017enai ir per ma\u017edaug valand\u0105, taip siekiant suteikti finansavim\u0105 pagal real\u0173 verslo temp\u0105.<\/p>\n
\u201e\u0160iandien beveik visk\u0105 versle galima susitvarkyti i\u0161 karto, ta\u010diau atlikus darbus vis tiek tenka laukti savaites, kol bus sumok\u0117ta. Tai nebeatitinka tempo, kuriuo veikia \u012fmon\u0117s. Augimas negali laukti, kol bus apmok\u0117ta s\u0105skaita\u201c, \u2013 sak\u0117 \u201eDuqu\u201c bendra\u012fk\u016br\u0117jas Maas de Goede.<\/p>\n
Lygiagre\u010diai finansavimo platformai \u201eDuqu\u201c apie pusantr\u0173 met\u0173 k\u016br\u0117 nuosav\u0105 DI paremt\u0105 kredito rizikos vertinimo sprendim\u0105. Bendrov\u0117 teigia, kad \u0161iuo metu technologija automatizuoja apie 95 proc. kreditingumo vertinimo proceso, taip spartindama sprendim\u0173 pri\u0117mim\u0105 ir ma\u017eindama rankinio darbo apimtis.<\/p>\n
\u0160is vertinimo sprendimas kuriamas moduliniu principu ir gali b\u016bti pritaikomas ne tik pa\u010dios \u201eDuqu\u201c platformoje. Bendrov\u0117 j\u012f si\u016blo kaip baltos etiket\u0117s sprendim\u0105 bankams, skolintojams ir lizingo \u012fmon\u0117ms, kad \u0161ios gal\u0117t\u0173 automati\u0161kai vertinti parai\u0161kas pagal savo kredito politik\u0105.<\/p>\n
Naujai pritrauktos l\u0117\u0161os bus nukreiptos \u012f abiej\u0173 kryp\u010di\u0173 pl\u0117tr\u0105: apyvartini\u0173 l\u0117\u0161\u0173 platformos augim\u0105 ir DI paremto vertinimo sprendimo tobulinim\u0105. Rinkoje, kur v\u0117luojantys atsiskaitymai i\u0161lieka \u012fprasta praktika, tokios priemon\u0117s tampa alternatyva tradiciniam finansavimui, ypa\u010d kai greitis ir lankstumas lemia konkurencingum\u0105.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u201eDuqu\u201c pritrauk\u0117 1,5 mln. eur\u0173 ir ple\u010dia avans\u0173 pagal B2B s\u0105skaitas platform\u0105 bei DI vertinimo sprendim\u0105, \u017ead\u0117dama l\u0117\u0161as per 24 valandas.<\/p>\n","protected":false},"author":0,"featured_media":57081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[20483,10305,43903,102,43830,83,40640],"miestas":[],"class_list":["post-57080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologijos","tag-apyvartines-lesos","tag-b2b-atsiskaitymai","tag-curiosity-vc","tag-dirbtinis-intelektas","tag-duqu","tag-fintech","tag-saskaitos-fakturos"],"acf":[],"_links":{"self":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts\/57080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/comments?post=57080"}],"version-history":[{"count":0,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts\/57080\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/media\/57081"}],"wp:attachment":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/media?parent=57080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/categories?post=57080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/tags?post=57080"},{"taxonomy":"miestas","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/miestas?post=57080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}