\nFintech-ul Omnicredit, lansat \u00een Rom\u00e2nia anul trecut \u015fi care ofer\u0103 solu\u0163ii online de factoring \u015fi microfinan\u0163are de p\u00e2n\u0103 la 35.000 de lei pentru antreprenorii locali, a acordat finan\u0163\u0103ri \u00een valoare total\u0103 de 12 mil. euro \u00een perioada iunie 2019-iunie 2020, dup\u0103 ce platforma a \u00eenregistrat aproximativ 4.500 de cereri de finan\u0163are pe toate cele trei categorii de produse oferite, respectiv microcredite, factoring \u015fi scontare, din care a aprobat peste 1.500.<\/p>\n
Potrivit datelor companiei, profilul companiilor care apeleaz\u0103 la solu\u0163ii de microfinan\u0163are s-a modificat substan\u0163ial \u00een urma apari\u0163iei crizei generat\u0103 de pandemia de COVID-19. Astfel, dac\u0103 \u00eenainte majoritatea clien\u0163ilor care apelau la finan\u0163\u0103ri aveau businessuri \u00een produc\u0163ie, construc\u0163ii, comer\u0163, PR, afaceri din agricultur\u0103 \u015fi inginerie, din februarie, c\u00e2nd au \u00eenceput s\u0103 se simt\u0103 primele efecte ale crizei, au ap\u0103rut clien\u0163i cu afaceri preponderent \u00een panifica\u0163ie, retail online de \u00eembr\u0103c\u0103minte \u015fi \u00eenc\u0103l\u0163\u0103minte sau transporturi rutiere de m\u0103rfuri.<\/p>\n
\u00cen func\u0163ie de segmentele de business, media finan\u0163\u0103rilor acordate sub form\u0103 de factoring a fost de circa 10.000 de lei pe cerere, \u00een timp ce microcreditele acordate se situeaz\u0103, \u00een medie, \u00een jurul a 35.000 de lei.<\/p>\n
\n\u00cen cazul produselor de factoring \u015fi scontare, timpul mediu de a\u015fteptare al clientului a fost de aproximativ 4 ore de la momentul \u00een care cererea este complet\u0103, \u00een vreme ce durata medie de aprobare a unui microcredit a fost de aproximativ 24 de ore.<\/p>\n
\u201e\u00cen prezent, din punctul de vedere al volumului finan\u0163at ponderea pe segmente este de aproximativ 80% factoring \u015fi scontare \u015fi 20% microcreditare, ceea ce nu este deloc surprinz\u0103tor, av\u00e2nd \u00een vedere c\u0103 avantajul factoringului este c\u0103 nu \u00eendatoreaz\u0103 firma, ci doar ajut\u0103 compania s\u0103-\u015fi \u00eembun\u0103t\u0103\u0163easc\u0103 cash-flowul. Remarc\u0103m c\u0103 fintech, marketplace, crowdfunding, equity crowdfunding \u2013 concepte noi de finan\u0163are alternativ\u0103, sunt tot mai des folosite \u015fi de micii antreprenori rom\u00e2ni\u201d, explic\u0103 Elisa Rusu, CEO \u015fi fondator Omnicredit.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Fintech-ul Omnicredit, lansat \u00een Rom\u00e2nia anul trecut \u015fi care ofer\u0103 solu\u0163ii online de factoring \u015fi microfinan\u0163are de p\u00e2n\u0103 la 35.000 de lei pentru antreprenorii locali, a acordat finan\u0163\u0103ri \u00een valoare total\u0103 de 12 mil. euro \u00een perioada iunie 2019-iunie 2020, dup\u0103 ce platforma a \u00eenregistrat aproximativ 4.500 de cereri de finan\u0163are pe toate cele trei categorii de produse oferite, respectiv microcredite, factoring \u015fi scontare, din care a aprobat peste 1.500.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[10638,46478,183,47,46477,539,10911],"class_list":["post-183676","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acordare","tag-elisa-rusu","tag-imprumut","tag-lansare","tag-omnicredit","tag-online","tag-solutii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/183676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=183676"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/183676\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=183676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=183676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=183676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}