{"id":2049,"date":"2018-09-05T07:33:16","date_gmt":"2018-09-05T05:33:16","guid":{"rendered":"https:\/\/financera.hu\/?page_id=2049"},"modified":"2024-05-26T14:54:36","modified_gmt":"2024-05-26T12:54:36","slug":"faktoring","status":"publish","type":"page","link":"https:\/\/financera.hu\/szemelyes-penzugyek\/faktoring\/","title":{"rendered":"Faktoring"},"content":{"rendered":"\n<p>A faktoringot haz\u00e1nkban m\u00e9g viszonylag kev\u00e9s ember ismeri, azonban a <strong>hitel egyik legfontosabb kieg\u00e9sz\u00edt\u0151j\u00e9r\u0151l\u00a0<\/strong>van sz\u00f3, amely ak\u00e1r helyettes\u00edtheti is azt. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"A_faktoring_jelentse\">A faktoring jelent\u00e9se<\/h2>\n\n\n\n<p><strong>A faktoring az \u00e1rusz\u00e1ll\u00edt\u00e1sb\u00f3l k\u00f6vetkez\u0151 vev\u0151k\u00f6vetel\u00e9sek finansz\u00edroz\u00e1s\u00e1t jelenti, <\/strong>teh\u00e1t a vev\u0151k\u00f6vetel\u00e9sek jelentik a biztos\u00edt\u00e9kot.<\/p>\n\n\n\n<p>A k\u00f6vetel\u00e9s ezenk\u00edv\u00fcl sz\u00e1rmazhat <strong>szolg\u00e1ltat\u00e1sb\u00f3l, de ak\u00e1r bankhitelb\u0151l\u00a0<\/strong>is. A faktoring lehet\u0151v\u00e9 teszi a p\u00e9nzt\u0151ke \u00e1ruforgalomba helyez\u00e9s\u00e9t, emellett sokszor sokkal kedvez\u0151bb, mint egy hitel.<\/p>\n\n\n\n<p>A faktoring, m\u00e1s n\u00e9ven <strong>k\u00f6vetel\u00e9s-v\u00e9teli szerz\u0151d\u00e9s\u00a0<\/strong>egy olyan szerz\u0151d\u00e9s, melyet k\u00e9t f\u00e9l, a sz\u00e1ll\u00edt\u00f3 \u00e9s a faktor k\u00f6t.<\/p>\n\n\n\n<p><strong>A faktornak a k\u00f6vetkez\u0151 tev\u00e9kenys\u00e9gek k\u00f6z\u00fcl minimum kett\u0151t kell \u00e1llnia:<\/strong><\/p>\n\n\n\n<ul>\n<li>a sz\u00e1ll\u00edt\u00f3 el\u0151leg\u00e9nek kifizet\u00e9se<\/li>\n\n\n\n<li>fedezet az ad\u00f3s fizet\u00e9sek k\u00e9s\u00e9s\u00e9re vagy mulaszt\u00e1s\u00e1ra<\/li>\n\n\n\n<li>kintl\u00e9v\u0151s\u00e9gek beszed\u00e9se<\/li>\n\n\n\n<li>kintl\u00e9v\u0151s\u00e9ghez tartoz\u00f3 sz\u00e1mlavezet\u00e9s<\/li>\n<\/ul>\n\n\n\n<p>A vev\u0151i \u00e9s sz\u00e1ll\u00edt\u00f3i szerz\u0151d\u00e9sb\u0151l sz\u00e1rmaz\u00f3 <strong>kintl\u00e9v\u0151s\u00e9geket\u00a0<\/strong>a faktorra sz\u00e1molj\u00e1k, amennyiben a v\u00e1s\u00e1rolt \u00e1r\u00fa nem szem\u00e9lyes c\u00e9lra lett v\u00e1s\u00e1rolva.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"A_faktoring_kt_tpusa\">A faktoring k\u00e9t t\u00edpusa<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Lejrt_kvetelsek_vsrlsa\">1. Lej\u00e1rt k\u00f6vetel\u00e9sek v\u00e1s\u00e1rl\u00e1sa<\/h3>\n\n\n\n<p>Ezen esetekben az elad\u00f3knak \u00e1ltal\u00e1ban <strong>nagyobb v\u00e1llalatok<\/strong>, p\u00e9ld\u00e1ul bankok, vagy nagyobb szolg\u00e1ltat\u00f3k (g\u00e1z, internet) felelnek meg. T\u00f6rt\u00e9nhet olyan eset is, hogy maga az <strong>Ad\u00f3hivatal\u00a0<\/strong>is ad el lej\u00e1rt k\u00f6vetel\u00e9seket.<\/p>\n\n\n\n<p>Ezek <strong>olyan k\u00f6vetel\u00e9sek, melyeket az elad\u00f3 sikertelen\u00fcl hajtott be<\/strong>, \u00edgy a v\u00e9tel\u00e1r is majdnem mindig kisebb a k\u00f6vetel\u00e9s \u00e9rt\u00e9k\u00e9n\u00e9l. Amennyiben egy m\u00e1r nagyon r\u00e9gen lej\u00e1rt k\u00f6vetel\u00e9sr\u0151l van sz\u00f3, az \u00e1r ak\u00e1r az \u00e9rt\u00e9k 5%-a is lehet.<\/p>\n\n\n\n<p>Az elad\u00f3nak ez az\u00e9rt \u00e9ri meg, mivel biztos p\u00e9nzhez jut, akkor is, ha ez j\u00f3val kevesebb a k\u00f6vetel\u00e9s \u00e9rt\u00e9k\u00e9n\u00e9l. Emellett a statisztik\u00e1kban, k\u00f6nyvel\u00e9sekben sem fog megjelenni a sok lej\u00e1rt k\u00f6vetel\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Mg_le_nem_jrt_kvetelsek_vsrlsa\">2. M\u00e9g le nem j\u00e1rt k\u00f6vetel\u00e9sek v\u00e1s\u00e1rl\u00e1sa<\/h3>\n\n\n\n<p>Ez a faktor\u00e1l\u00e1s hagyom\u00e1nyos m\u00f3dja. Ebben az esetben <strong>a vev\u0151 akkor v\u00e1s\u00e1rolja meg a k\u00f6vetel\u00e9seket, ha m\u00e9g \u00e9rv\u00e9nyesek, hat\u00e1ridej\u00fck nem j\u00e1rt le.<\/strong> A faktor\u00e1l\u00e1s ezen form\u00e1ja a kisebb vagyonnal rendelkez\u0151 KKV-k k\u00f6r\u00e9ben a legn\u00e9pszer\u0171bb.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Mkds_a_gyakorlatban\">M\u0171k\u00f6d\u00e9s a gyakorlatban<\/h3><p>A v\u00e1llalkoz\u00f3 a keresked\u0151nek \u00e1rut szolg\u00e1ltat, a keresked\u0151 pedig 90 napon bel\u00fcl ki kell fizesse ezt. A fizet\u00e9s napj\u00e1ig a keresked\u0151nek m\u00e9g t\u00f6bb \u00e1rura van sz\u00fcks\u00e9ge a v\u00e1llalkoz\u00f3t\u00f3l.<\/p>\n<p>A v\u00e1llalkoz\u00f3nak m\u00e9g t\u00f6bb p\u00e9nzre van sz\u00fcks\u00e9ge, hogy eleget tudjon tenni a keresked\u0151 ig\u00e9nyeinek.<\/p><\/div>\n\n\n<p>Ilyen esetekben el szok\u00e1s adni a k\u00f6vetel\u00e9st a faktorc\u00e9gnek, ami <strong>azonnal kifizeti a v\u00e1llalkoz\u00f3nak term\u00e9ke egy r\u00e9sz\u00e9t<\/strong> (\u00e1ltal\u00e1ban 75-85%-\u00e1t), \u00edgy a vev\u0151 a faktorc\u00e9gnek kell majd kifizesse az \u00e1ru teljes \u00e1r\u00e1t.<\/p>\n\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Hasonl\u00edtsd \u00f6ssze 10 hitelez\u0151 hitelterm\u00e9k\u00e9t<\/h3><p>Tal\u00e1ld meg a legkisebb kamatot egy kattint\u00e1ssal<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"1000000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financera.hu\/hitelhaver?query=1&param_amount=1000000&param_period=720&\" data-slider-url=\"https:\/\/financera.hu\/hitelhaver?query=1&param_amount=1000000&param_period=720&\" data-required=\"hitelhaver?query=1param_amount=1000000&param_period=720&\" class=\"get_results compare button is-primary is-medium is-rounded\">Aj\u00e1nlatok \u00f6sszehasonl\u00edt\u00e1sa<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Nvekszik_a_magyar_faktorpiac\">N\u00f6vekszik a magyar faktorpiac<\/h2>\n\n\n\n<p>A faktoringot <strong>Eur\u00f3pa nyugati orsz\u00e1gaiban<\/strong> sokkal t\u00f6bb c\u00e9g veszi ig\u00e9nybe, mint haz\u00e1nkban. Magyarorsz\u00e1gon egy nem annyira ismert finansz\u00edroz\u00e1si form\u00e1r\u00f3l besz\u00e9l\u00fcnk, viszont ez nem kellene h\u00e1tr\u00e1nyt jelentsen.<\/p>\n\n\n\n<p>A faktoring az egyik legjobb megold\u00e1s<strong> a cashflow fenntart\u00e1s\u00e1hoz <\/strong>\u00e9s ak\u00e1r <strong>egy v\u00e1llalkoz\u00e1s beind\u00edt\u00e1s\u00e1hoz<\/strong> is. B\u00e1r kevesen veszik ig\u00e9nybe, a faktor\u00e1lt forgalom haz\u00e1nkban \u00e9vr\u0151l \u00e9vre n\u00f6vekv\u0151 tendenci\u00e1t mutat:<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"echarts\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_echarts = echarts.init(document.getElementById('echarts'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"785\",\"908\",\"1196\",\"1631\",\"1858\",\"2221\"];\n\t\t\tvar data_name = [\"2013\",\"2014\",\"2015\",\"2016\",\"2017\",\"2018\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tdata_arr.push(data_value[i]);\n\t\t\t\tval_arr.push(data_name[i]);\n\t\t\t}\n\t\t\toption = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\tgrid: {\n\t\t\t\t\t\ttop: 85,\n\t\t\t\t\t\tleft: 50\n\t\t\t\t\t},\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: 'Faktor\u00e1lt forgalom az ut\u00f3bbi \u00e9vekben',\n\t\t\t\t\t\tsubtext: 'Az \u00f6sszegeket milli\u00e1rdokban t\u00fcntett\u00fck fel.',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 'image:\/\/'+fs.theme_uri+'\/assets\/images\/icons-download-blue.svg',\n\t\t\t\t\t\t\t\ticonStyle: {\n\t\t\t\t\t\t\t\t\tcolor: '#2098ce',\n\t\t\t\t\t\t\t\t\tborderColor: '#2098ce',\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\ttitle: 'Let\u00f6lt\u00e9s',\n\t\t\t\t\t\t\t\tpixelRatio: '2',\n\t\t\t\t\t\t\t\tbackgroundColor: '#ffffff'\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tcolor: ['#60d394', '#2098ce', '#137dad'],\n\t\t\t\t\ttooltip : {\n\t\t\t\t\t\ttrigger: 'item',\n\t\t\t\t\t\t\tformatter: '{b0}: {c0}'\n\t\t\t\t\t\t},\n\t\t\t\t\tdataZoom: [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttype: 'inside'\n\t\t\t\t\t\t}\n\t\t\t\t\t],\n\t\t\t\t\txAxis: {\n\t\t\t\t\t\ttype: 'category',\n\t\t\t\t\t\tdata: val_arr,\n\t\t\t\t\t\tname: '\u00c9v',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '50',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\tinside: false,\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value) {\n\t\t\t\t\t\t\t\t\/\/ Function to wrap text\n\t\t\t\t\t\t\t\tlet maxCharsPerLine = 10; \/\/ Adjust this value as needed\n\t\t\t\t\t\t\t\tlet words = value.split(' ');\n\t\t\t\t\t\t\t\tlet wrappedText = '';\n\t\t\t\t\t\t\t\tlet line = '';\n\n\t\t\t\t\t\t\t\twords.forEach(function(word) {\n\t\t\t\t\t\t\t\tif (line.length + word.length <= maxCharsPerLine) {\n\t\t\t\t\t\t\t\t\tline += word + ' ';\n\t\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\t\twrappedText += line.trim() + '\\n';\n\t\t\t\t\t\t\t\t\tline = word + ' ';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t});\n\n\t\t\t\t\t\t\t\twrappedText += line.trim();\n\t\t\t\t\t\t\t\treturn wrappedText;\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t},\n\t\t\t\t\tyAxis: {\n\t\t\t\t\t\ttype: 'value',\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\tname: 'Mennyis\u00e9g (milli\u00e1rd FT)',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '40',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value, index) {\n\t\t\t\t\t\t\t\tvar milvalue = value;\n\t\t\t\t\t\t\t\tif (value > 999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000 + ' k';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000 + ' M';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000 + ' B';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000000 + ' T';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\treturn milvalue;\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tseries: [{\n\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\ttype: 'bar',\n\t\t\t\t\t\tsymbol: 'circle',\n\t\t\t\t\t\tsymbolSize: '12',\n\t\t\t\t\t\tshowBackground: true,\n\t\t\t\t\t\tbackgroundStyle: {\n\t\t\t\t\t\t\tcolor: 'rgba(220, 220, 220, 0.4)'\n\t\t\t\t\t\t},\n\t\t\t\t\t}]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\n\t\t\tmyChart_echarts.setOption(option);\n\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_echarts.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Mirt_elnys_a_faktoring\">Mi\u00e9rt el\u0151ny\u00f6s a faktoring?<\/h2>\n\n\n\n<p>A v\u00e1llalatok nagyon <strong>gyakran d\u00f6ntenek a k\u00f6vetel\u00e9sek \u00e9rt\u00e9kes\u00edt\u00e9se mellett,<\/strong> f\u0151leg, ha nem biztosak a kiad\u00e1saikban, vagy esetleg p\u00e9nzhi\u00e1ny miatt nem tudj\u00e1k p\u00f3tolni a forr\u00e1saikat.<\/p>\n\n\n\n<p>A felm\u00e9r\u00e9sek szerint szinte mindenki <strong>ut\u00f3lag<\/strong> fizeti ki a partnereiket, s\u0151t, az sem kiz\u00e1rt, hogy a partner is tartoz\u00e1sban van. <\/p>\n\n\n\n<p><strong>A faktoring haszn\u00e1latakor mindeki komolyabban veszi a hat\u00e1rid\u0151ket,<\/strong> \u00edgy sokkal el\u0151rel\u00e1that\u00f3bbak a fizet\u00e9sek id\u0151pontjai, \u00e9s felgyorsul a p\u00e9nzmozg\u00e1s is.<\/p>\n\n\n\n<p>A faktoring c\u00e9gek f\u0151k\u00e9pp <strong>a vev\u0151 szem\u00e9ly\u00e9re<\/strong> k\u00edv\u00e1ncsiak, hiszen a vev\u0151t\u0151l kapj\u00e1k a p\u00e9nzt. A v\u00e1llakoz\u00f3ra, akit\u0151l v\u00e1s\u00e1rolj\u00e1k a k\u00f6vetel\u00e9seket nem fektetnek k\u00fcl\u00f6n\u00f6sebb hangs\u00falyt.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Elnyk\">El\u0151ny\u00f6k<\/h3><li><p><strong>Felgyorsult forgalom.<\/strong>\u00a0Az eszk\u00f6z\u00f6k hamarabb, effekt\u00edvebben elkelnek, n\u0151 a forgalmi sebess\u00e9g\u00fck.<\/p>\n<\/li><li><p><strong>Gyors \u00fcgyint\u00e9z\u00e9s.<\/strong>\u00a0Az elad\u00e1s ut\u00e1n ak\u00e1r egy napon bel\u00fcl is megkaphatod a p\u00e9nzt.<\/p>\n<\/li><li><p><strong>El\u0151rel\u00e1that\u00f3s\u00e1g.\u00a0<\/strong>P\u00e9nz\u00fcgyileg sokkal k\u00f6nnyebb el\u0151re tervezni.<\/p>\n<\/li><li><p><strong>B\u00e1rki sz\u00e1m\u00e1ra el\u00e9rhet\u0151.\u00a0<\/strong>KKV-k is ig\u00e9nyelhetnek faktoringot.<\/p>\n<\/li><li><p><strong>Nincs sz\u00fcks\u00e9g fedezetre.\u00a0<\/strong>A v\u00e1llalkoz\u00f3i hitelekkel ellent\u00e9tben nem kell jelz\u00e1logot k\u00f6tni.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"A_gyorsasg_fontos\">A gyorsas\u00e1g fontos<\/h3>A faktoring egyik legnagyobb el\u0151nye az \u00fcgyint\u00e9z\u00e9s gyorsas\u00e1ga. <strong>A v\u00e1llalkoz\u00e1s ak\u00e1r \u00f3r\u00e1kon bel\u00fcl megkaphatja a v\u00e9tel\u00e1rat,<\/strong> viszont ennek a gyorsas\u00e1ga az \u00fczleti kapcsolatt\u00f3l is f\u00fcgg.<br>Folyamatos \u00fczleti kapcsolat eset\u00e9n elmondhat\u00f3, hogy a c\u00e9g m\u00e9g aznap meg fogja kapni a ki\u00e1ll\u00edtott sz\u00e1mla \u00e9rt\u00e9k\u00e9t.<\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Htrnyok\">H\u00e1tr\u00e1nyok<\/h3><li>\n<p><strong>Sok betekint\u00e9st ig\u00e9nyel a v\u00e1llalatba.<\/strong> A faktorh\u00e1z rengeteg \u00e9rz\u00e9keny inform\u00e1ci\u00f3t meg fog tudni a c\u00e9gr\u0151l.<\/p>\n<\/li><li>\n<p><strong>Rossz sz\u00ednben t\u00fcntetheti fel a c\u00e9get. <\/strong>A faktor\u00e1l\u00f3 c\u00e9gr\u0151l azt gondolhatj\u00e1k, hogy alulteljes\u00edt \u00e9s p\u00e9nzre van sz\u00fcks\u00e9ge.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"A_faktoring_fenntartja_a_konkurencit\">A faktoring fenntartja a konkurenci\u00e1t<\/h3>\n\n\n\n<p>A v\u00e1llalkoz\u00f3k \u00e1ltal\u00e1ban t\u00f6bb, mint 1 h\u00f3napot v\u00e1rnak a p\u00e9nz\u00fck megt\u00e9r\u00fcl\u00e9s\u00e9re. Ez hossz\u00fa id\u0151, <strong>k\u00fcl\u00f6n\u00f6sen a KKV-k eset\u00e9ben. <\/strong><\/p>\n\n\n\n<p>Sok c\u00e9g nem engedheti meg mag\u00e1nak, hogy 30 napig <strong>cs\u00f6kkentett t\u0151k\u00e9vel <\/strong>tev\u00e9kenykedjen, f\u0151leg akkor, ha id\u0151k\u00f6zben egy nagyobb beruh\u00e1z\u00e1s vagy fejleszt\u00e9s is becs\u00faszik.<\/p>\n\n\n\n<p><strong>Ha sok\u00e1ig kell v\u00e1rnod a p\u00e9nz megt\u00e9r\u00fcl\u00e9s\u00e9re, akkor csak korl\u00e1tolt \u00fczleti tev\u00e9kenys\u00e9get tudsz folytatni.<\/strong><\/p>\n\n\n\n<p>Az sem lehet j\u00f3 megold\u00e1s, ha cs\u00f6kkentesz a hat\u00e1rid\u0151n vagy \u00e9ppen el\u0151leget k\u00e9rsz, mert a v\u00e1s\u00e1rl\u00f3id olyan c\u00e9ghez fognak fordulni, ahol min\u00e9l k\u00e9s\u0151bb kell fizetni\u00fck. Ez f\u0151leg akkor \u00e9rv\u00e9nyes, ha az \u00fczleti ter\u00fcleteden<strong> nagy a konkurencia.<\/strong><\/p>\n\n\n\n<p>A faktoring fenntartja a likvidit\u00e1st \u00e9s egy\u00fattal el\u0151seg\u00edti a c\u00e9gek fennmarad\u00e1s\u00e1t, versenyk\u00e9pess\u00e9g\u00e9t, valamint a gyorsabb fejl\u0151d\u00e9shez is hozz\u00e1j\u00e1rul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kinek_rdemes_faktorlni\">Kinek \u00e9rdemes faktor\u00e1lni?<\/h2>\n\n\n\n<p>A faktoring a legt\u00f6bb v\u00e1llalkoz\u00e1sn\u00e1l hasznos d\u00f6nt\u00e9snek bizonyul. Az al\u00e1bbi esetekben nagy seg\u00edts\u00e9get jelenthet:<\/p>\n\n\n\n<ul>\n<li><strong>Friss c\u00e9gek. <\/strong>A fiatal c\u00e9gek \u00e1ltal\u00e1ban kev\u00e9s t\u0151k\u00e9vel rendelkeznek, ez\u00e9rt a faktoring ny\u00fajtotta g\u00f6rd\u00fcl\u00e9kenys\u00e9g sokat seg\u00edthet a v\u00e1llalkoz\u00e1s fejl\u0151d\u00e9s\u00e9ben. Az ilyen c\u00e9gekn\u00e9l fontos, hogy a vev\u0151k \u00e9s a sz\u00e1ll\u00edt\u00f3k k\u00f6z\u00f6tt kialakuljon az egyens\u00faly.<\/li>\n\n\n\n<li><strong>Fejl\u0151d\u0151 c\u00e9gek.<\/strong> Megt\u00f6rt\u00e9nhet, hogy egy c\u00e9gnek lenn\u00e9nek vev\u0151i, viszont a lass\u00fa fizet\u00e9s miatt nincs kapac\u00edt\u00e1sa befogadni \u0151ket. A faktoring ilyenkor seg\u00edt a t\u0151ke n\u00f6vel\u00e9s\u00e9ben.<\/li>\n\n\n\n<li><strong>Lassan fizet\u0151 vev\u0151k.<\/strong> Sok c\u00e9g rendelkezik lassan fizet\u0151, viszont \u00e9rt\u00e9kes vev\u0151kkel. Faktoring \u00e1ltal megtarthatod a vev\u0151ket \u00e9s felgyors\u00edthatod a termel\u00e9st.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Az_esetek_nagy_rszben_kifizetd\">Az esetek nagy r\u00e9sz\u00e9ben kifizet\u0151d\u0151<\/h3><p>A faktoring szinte mindig seg\u00edt a c\u00e9geken, ez\u00e9rt a fejl\u0151d\u0151 v\u00e1llalkoz\u00e1soknak <strong>meg\u00e9ri kipr\u00f3b\u00e1lni<\/strong> ezt az \u00faj folyamatot. Az alacsony k\u00f6lts\u00e9geknek h\u00e1la a faktoring egy <strong>kedvez\u0151bb alternat\u00edv\u00e1ja lehet a hitelnek,<\/strong> viszont megk\u00f6veteli, hogy a c\u00e9g t\u00f6rekedjen a gyors \u00e9s prec\u00edz m\u0171k\u00f6d\u00e9sre.<\/p>\n<p>Ha a c\u00e9ged terjeszkedni akar, akkor a faktoring a fejl\u0151d\u00e9snek egy nagyon j\u00f3 kataliz\u00e1tora lesz.<\/p><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Hogyan takar\u00edts meg <span class=\"compare-amount\">59&nbsp;571,00 Ft <\/span> a hiteleinkkel<\/h3>\n\t\t\t\t<p>Egy 1&nbsp;000&nbsp;000,00 Ft \u00f6sszeg\u0171 k\u00f6lcs\u00f6n \u00e1r\u00e1nak a sz\u00f3r\u00e1sa 90 napos futamid\u0151vel 59&nbsp;571,00 Ft.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financera.hu\/hitelhaver\/?query=1&filter_non_affiliate=1&param_amount=1000000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Der\u00edtsd ki hogyan<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Mirt_ri_meg_a_faktoring_cgnek\">Mi\u00e9rt \u00e9ri meg a faktoring c\u00e9gnek?<\/h2>\n\n\n\n<p><strong>A faktoring a legt\u00f6bb esetben akkor is el\u00e9rhet\u0151, ha az adott v\u00e1llalkoz\u00e1s nem vehetne fel banki hitelt.<\/strong> <\/p>\n\n\n\n<p>Hogyan t\u00f6rt\u00e9nhet meg m\u00e9gis, hogy a faktoring c\u00e9gek alacsony kamat mellett, neh\u00e9z helyzetben lev\u0151 v\u00e1llalkoz\u00e1sok sz\u00e1m\u00e1ra is fizetnek?<\/p>\n\n\n\n<p>Ne feledd, hogy a k\u00f6lcs\u00f6nterm\u00e9kek eset\u00e9n <strong>a hangs\u00faly mindig a kock\u00e1zaton van. <\/strong>Egy hitel sor\u00e1n a p\u00e9nzint\u00e9zet a <strong>c\u00e9g <\/strong>kock\u00e1zat\u00e1t v\u00e1llalja, viszont a faktoringn\u00e1l csak a <strong>vev\u0151 <\/strong>jelentheti a kock\u00e1zatot.<\/p>\n\n\n\n<p>Mivel a term\u00e9k vagy a szolg\u00e1ltat\u00e1s elad\u00e1sra ker\u00fclt, ez\u00e9rt <strong>a vev\u0151nek el\u0151bb ut\u00f3bb fizetnie kell.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Amikor_ksik_a_vev\">Amikor k\u00e9sik a vev\u0151<\/h3>\n\n\n\n<p>Ha k\u00e9sik a vev\u0151 a fizet\u00e9ssel, akkor a felel\u0151ss\u00e9g a faktorh\u00e1zat terheli. Mivel a vev\u0151 faktor\u00e1l\u00e1s sor\u00e1n nem a c\u00e9gnek, hanem a faktorh\u00e1znak kell fizessen, ez\u00e9rt <strong>a p\u00e9nz behajt\u00e1sa nem a v\u00e1llalkoz\u00f3 \u00e9rdek\u00e9t k\u00e9pezi.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ha_a_vev_nem_fizet\">Ha a vev\u0151 nem fizet<\/h3>\n\n\n\n<p>Ha a vev\u0151 cs\u0151dbe megy \u00e9s nem fizet, akkor j\u00f6n sz\u00f3ba a faktoring k\u00e9t f\u0151 t\u00edpusa:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Vissztehermentes faktoring<\/th><th>Visszterhes faktoring<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Ha a v\u00e1llalkoz\u00e1s megkapta a faktorh\u00e1zt\u00f3l a sz\u00e1ml\u00e1k \u00f6sszeg\u00e9t, akkor a kock\u00e1zat teljes m\u00e9rt\u00e9kben a faktorh\u00e1zat fogja illetni.<br><strong>Ha nem fizet a vev\u0151, akkor a p\u00e9nzt a faktorh\u00e1znak kell behajtania.<\/strong><\/td><td>Amennyiben nem fizet a vev\u0151, a faktorh\u00e1z visszak\u00e9rheti a c\u00e9gt\u0151l azon sz\u00e1ml\u00e1k \u00e9rt\u00e9keit, melyeket nem siker\u00fclt behajtani.<br><strong>Visszterhes faktoring eset\u00e9n a kock\u00e1zati teher b\u00e1rmikor visszaker\u00fclhet a v\u00e1llalkoz\u00e1sra.<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00c9rdemes eld\u00f6nteni, hogy a c\u00e9g milyen t\u00edpus\u00fa faktoringot ig\u00e9nyel aszerint, hogy <strong>mekkora kock\u00e1zatot v\u00e1llalhat mag\u00e1ra. <\/strong>Azt sem szabad elfelejteni, hogy a visszterhes faktoringnak \u00e1ltal\u00e1ban alacsonyabb kamatja van.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Hitelbiztosts\">Hitelbiztos\u00edt\u00e1s<\/h3>A kock\u00e1zat cs\u00f6kkent\u00e9se \u00e9rdek\u00e9ben j\u00f3 \u00f6tlet lehet hitelbiztos\u00edt\u00e1st k\u00f6tni a szerz\u0151d\u00e9s mell\u00e9. Ezzel a faktorh\u00e1z \u00e9s az ig\u00e9nyl\u0151 c\u00e9g is cs\u00f6kkentheti a kock\u00e1zat\u00e1t.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Faktoring_vagy_hitel\">Faktoring vagy hitel?<\/h2>\n\n\n\n<p>A faktoring \u00e9s a hitel k\u00f6z\u00f6tt sz\u00e1mos k\u00fcl\u00f6nbs\u00e9g van, hiszen k\u00fcl\u00f6nb\u00f6z\u0151 m\u0171k\u00f6d\u00e9s\u0171 term\u00e9kekr\u0151l besz\u00e9l\u00fcnk. <\/p>\n\n\n\n<p>A c\u00e9gek sz\u00e1mos kedvez\u0151 v\u00e1llalkoz\u00f3i hitelt tal\u00e1lhatnak, m\u00e9gis <strong>a legt\u00f6bb esetben a faktoring is el\u00e9g a probl\u00e9m\u00e1k, \u00e1tmeneti neh\u00e9zs\u00e9gek megold\u00e1s\u00e1ra<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Faktoring<\/th><th>V\u00e1llalkoz\u00f3i hitel<\/th><\/tr><\/thead><tbody><tr><td><strong>K\u00f6lts\u00e9gek<\/strong><\/td><td>k\u00f6zepes<\/td><td>alacsony<\/td><\/tr><tr><td><strong>Futamid\u0151<\/strong><\/td><td>\u00e1ltal\u00e1ban 120-180 nap<\/td><td>ak\u00e1r 10+ \u00e9v<\/td><\/tr><tr><td><strong>Szerz\u0151d\u00e9sk\u00f6t\u00e9s<\/strong><\/td><td>gyors<\/td><td>lass\u00fa<\/td><\/tr><tr><td><strong>Rugalmass\u00e1g<\/strong><\/td><td>rugalmas<\/td><td>kev\u00e9sb\u00e9 rugalmas<\/td><\/tr><tr><td><strong>Jelz\u00e1log<\/strong><\/td><td>nincs<\/td><td>\u00e1ltal\u00e1ban van<\/td><\/tr><tr><td><strong>Felt\u00e9telek<\/strong><\/td><td>alapvet\u0151 felt\u00e9telek<\/td><td>szigor\u00fa felt\u00e9telek<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Az egyik legnagyobb k\u00fcl\u00f6nbs\u00e9g az, hogy <strong>a faktor\u00e1l\u00e1s h\u00e1rom f\u00e9l k\u00f6zt zajlik, <\/strong>ellent\u00e9tben a hitellel, ami csak k\u00e9t f\u00e9l k\u00f6z\u00f6tt teremt kapcsolatot.<\/p>\n\n\n\n<p>A faktor\u00e1l\u00e1sban r\u00e9szt vesz <strong>az elad\u00f3, a vev\u0151 \u00e9s a faktorh\u00e1z <\/strong>is. A sz\u00e1ll\u00edt\u00f3 term\u00e9ket vagy szolg\u00e1ltat\u00e1st ad el a vev\u0151nek, a vev\u0151 pedig hat\u00e1rid\u0151re fizeti ki az \u00e1rut. Az elad\u00f3 ilyenkor az\u00e9rt faktor\u00e1l, hogy azonnal rendelkezhessen a sz\u00e1mla \u00f6sszeg\u00e9vel \u00e9s g\u00f6rd\u00fcl\u00e9kenyen folytathassa a tev\u00e9kenys\u00e9g\u00e9t.<\/p>\n\n\n\n<p><strong>A vev\u0151 k\u00e9s\u0151bb a sz\u00e1ml\u00e1t nem az elad\u00f3nak, hanem a faktorh\u00e1znak fogja kifizetni.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Faktoring_kltsgei\">Faktoring k\u00f6lts\u00e9gei<\/h2>\n\n\n\n<p><strong>A faktoring teljes k\u00f6lts\u00e9g\u00e9t sz\u00e1mos t\u00e9nyez\u0151 befoly\u00e1solja, mint p\u00e9ld\u00e1ul:<\/strong><\/p>\n\n\n\n<ul>\n<li>a sz\u00e1mlafizet\u00e9s hat\u00e1rideje<\/li>\n\n\n\n<li>a sz\u00e1mla \u00f6sszege<\/li>\n\n\n\n<li>az \u00fcgylet kock\u00e1zati m\u00e9rt\u00e9ke<\/li>\n<\/ul>\n\n\n\n<p>A faktoring teljes k\u00f6lts\u00e9g\u00e9re ez\u00e9rt csak egy megk\u00f6zel\u00edt\u0151 \u00e9rt\u00e9ket lehet mondani, ami KKV-k eset\u00e9n <strong>1-2% <\/strong>k\u00f6r\u00fcl mozog. A teljes k\u00f6lts\u00e9g nagy r\u00e9sze a faktord\u00edjb\u00f3l \u00e9s a kamatb\u00f3l sz\u00e1rmazik.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"A_faktoring_legfontosabb_kltsgei\">A faktoring legfontosabb k\u00f6lts\u00e9gei<\/h3><li>\n<p>Kamat vagy \u00fcgyleti kamat<\/p>\n<\/li><li>\n<p>Faktord\u00edj<\/p>\n<\/li><li>\n<p>Hitelk\u00e9pess\u00e9g vizsg\u00e1lati d\u00edj<\/p>\n<\/li><li>\n<p>Szerz\u0151d\u00e9sk\u00f6t\u00e9si d\u00edj<\/p>\n<\/li><li>\n<p>Biztos\u00edt\u00e1si d\u00edj<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Olcs_megolds\">Olcs\u00f3 megold\u00e1s<\/h3>Ha a faktoring ny\u00fajtotta lehet\u0151s\u00e9geket figyelembe vessz\u00fck, akkor <strong>mindenk\u00e9pp egy kedvez\u0151 term\u00e9kr\u0151l besz\u00e9l\u00fcnk.<\/strong>\nAz alacsony kock\u00e1zat mellett azt sem szabad elfelejteni, hogy a faktoring r\u00f6vid id\u0151re sz\u00f3l \u00e9s kor\u00e1ntsem terheli le a v\u00e1llalkoz\u00e1st annyira, mint egy v\u00e1llalkoz\u00f3i hitel.<\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Szmtsi_plda\">Sz\u00e1m\u00edt\u00e1si p\u00e9lda<\/h3><p>Tegy\u00fck fel, hogy <strong>2%-os \u00f6sszk\u00f6lts\u00e9g\u0171<\/strong> faktoringot ig\u00e9nyelsz, az \u00c1FA pedig 27%.A sz\u00e1mla \u00f6sszege:<\/p>\n<ul>\n<li>\u00c1FA n\u00e9lk\u00fcl 1.000.000 Ft<\/li>\n<li>\u00c1F\u00c1val <strong>1.270.000 Ft<\/strong><\/li>\n<\/ul>\n<p>A faktork\u00f6lts\u00e9g ilyen adatok mellett 1.270.000 Ft x 2\/100 = <strong>25.400 Ft.<\/strong> Erre m\u00e9g r\u00e1sz\u00e1molj\u00e1k az \u00c1F\u00c1t is, \u00edgy a <strong>v\u00e9g\u00f6sszeg 32.258 Ft<\/strong> lesz.<strong>A sz\u00e1mla \u00e9rt\u00e9k\u00e9b\u0151l ilyen faktoring mellett 1.237.742 Ft-ot fogsz kapni.<\/strong><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Az_gyintzs_menete\">Az \u00fcgyint\u00e9z\u00e9s menete<\/h2>\n\n\n\n<p>A sz\u00e1ll\u00edt\u00f3 \u00e1ltal\u00e1ban azut\u00e1n keres fel egy faktoring c\u00e9get, miut\u00e1n <strong>megrendel\u00e9s eset\u00e9n nem tudja az adott k\u00f6lts\u00e9geket kifizetni<\/strong>. <\/p>\n\n\n\n<p>A faktoring c\u00e9g ebben az esetben eld\u00f6nti, hogy a megrendel\u0151 mennyire fizet\u0151k\u00e9pes, illetve megvizsg\u00e1lja a vev\u0151-sz\u00e1ll\u00edt\u00f3 k\u00f6z\u00f6tti \u00fcgyletet.<\/p>\n\n\n\n<p>Miut\u00e1n a vev\u0151 megkapja a sz\u00e1ll\u00edtm\u00e1nyt, a faktorc\u00e9g a vev\u0151 \u00e1ltal fizetett \u00e1r kb. <strong>80%-\u00e1t<\/strong> kifizeti az elad\u00f3nak, az elad\u00f3nak \u00edgy lehet\u0151s\u00e9ge van tov\u00e1bb sz\u00e1ll\u00edtani. Ezut\u00e1n, az elad\u00f3 megkapja a marad\u00e9k \u00f6sszeget is, azonban kifizet\u00e9sre ker\u00fcl a <strong>faktoring d\u00edj\u00a0<\/strong>is. <\/p>\n\n\n\n<p>Ha minden j\u00f3l megy, a sz\u00e1ll\u00edt\u00e1sok tov\u00e1bbra is folyamatosan t\u00f6rt\u00e9nnek.<\/p>\n\n\n<h3 id=\"Faktoring_lpsei\">Faktoring l\u00e9p\u00e9sei<\/h3><h4>L\u00e9p\u00e9sek<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. A faktorc\u00e9g \u00e1tvizsg\u00e1lja a v\u00e1s\u00e1rl\u00f3kat<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. A faktorc\u00e9g megv\u00e1s\u00e1rolja a sz\u00e1ml\u00e1kat<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Kifizet\u00e9sre ker\u00fcl az els\u0151 r\u00e9szlet<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. A c\u00e9g teljes\u00edteni tudja a megrendel\u00e9st<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. A vev\u0151 fizet, a faktorc\u00e9g utalja a marad\u00e9kot<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">1. l\u00e9p\u00e9s<\/div><div class=\"single-article__steps-content\"><h3 id=\"A-faktorceg-atvizsgalja-a-vasarlokat\">A faktorc\u00e9g \u00e1tvizsg\u00e1lja a v\u00e1s\u00e1rl\u00f3kat<\/h3>A faktorc\u00e9g els\u0151 l\u00e9p\u00e9sk\u00e9nt megbizonyosodik arr\u00f3l, hogy a sz\u00e1ll\u00edt\u00f3 v\u00e1s\u00e1rl\u00f3i hitelesek \u00e9s fizet\u0151k\u00e9pesek.<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2. l\u00e9p\u00e9s<\/div><div class=\"single-article__steps-content\"><h3 id=\"A-faktorceg-megvasarolja-a-szamlakat\">A faktorc\u00e9g megv\u00e1s\u00e1rolja a sz\u00e1ml\u00e1kat<\/h3>Ha a vev\u0151k alkalmasak a felt\u00e9telekre, akkor a c\u00e9g meg fogja v\u00e1s\u00e1rolni a vev\u0151k\u00f6vetel\u00e9seket.<\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3. l\u00e9p\u00e9s<\/div><div class=\"single-article__steps-content\"><h3 id=\"Kifizetesre-kerul-az-elso-reszlet\">Kifizet\u00e9sre ker\u00fcl az els\u0151 r\u00e9szlet<\/h3>A faktorc\u00e9g az els\u0151 \u00f6sszeget k\u00f6r\u00fcl-bel\u00fcl egy napon bel\u00fcl ki fogja fizetni. Ez a r\u00e9szlet \u00e1ltal\u00e1ban a 80-90%-a lesz a sz\u00e1mla teljes \u00e9rt\u00e9k\u00e9nek.<\/div><div class=\"single-article__steps-counter\" id=\"step_4\">4. l\u00e9p\u00e9s<\/div><div class=\"single-article__steps-content\"><h3 id=\"A-ceg-teljesiteni-tudja-a-megrendelest\">A c\u00e9g teljes\u00edteni tudja a megrendel\u00e9st<\/h3>Mivel a v\u00e1llalkoz\u00f3 megkapta a sz\u00e1mla nagy r\u00e9sz\u00e9t, kies\u00e9s n\u00e9lk\u00fcl teljes\u00edteni tudja a megrendel\u00e9seit.<\/div><div class=\"single-article__steps-counter\" id=\"step_5\">5. l\u00e9p\u00e9s<\/div><div class=\"single-article__steps-content\"><h3 id=\"A-vevo-fizet-a-faktorceg-utalja-a-maradekot\">A vev\u0151 fizet, a faktorc\u00e9g utalja a marad\u00e9kot<\/h3>Miut\u00e1n a vev\u0151 kifizette a sz\u00e1ml\u00e1t, a faktorc\u00e9g a marad\u00e9k 10-20%-ot is \u00e1t fogja utalni.<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3>Ig\u00e9nyelj faktoringot a k\u00f6vetkez\u0151 bankokt\u00f3l:<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.hu\/ceg\/otp-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"270\" height=\"90\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2018\/06\/otpbank.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">V\u00e1lasztva <strong>21&nbsp;139<\/strong> alkalommal v\u00e1lasztva<\/span><ul class=\"items-content__card-list\"><li >K\u00fclf\u00f6ld\u00f6n is el\u00e9rhet\u0151<\/li><li >Online ig\u00e9nyl\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">1100000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">2099999<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legalacsonyabb THM<\/span><span class=\"items-content__card-datapoint-value\">24.70<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legmagasabb THM<\/span><span class=\"items-content__card-datapoint-value\">27.20<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">2 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">7 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Elfogadja a KHR ad\u00f3list\u00e1n szerepl\u0151ket:<\/span><span class=\"items-content__card-datapoint-value\">Nem. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum \u00e9letkor<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.hu\/ceg\/otp-bank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.otpfaktoring.hu\/hu\/fooldal\" data-url_param_pid=\"951\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Aj\u00e1nlatok megtekint\u00e9se<\/a><a href=\"https:\/\/financera.hu\/ceg\/otp-bank\/\" data-url_param_customlink=\"https:\/\/www.otpfaktoring.hu\/hu\/fooldal\" class=\"button is-rounded items-content__card-more-info\">T\u00f6bb inform\u00e1ci\u00f3<\/a><a href=\"https:\/\/financera.hu\/ceg\/otp-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.8\">2.8<\/span><\/a><span class=\"items-content__card-reviews\"> Olvas\u00e1s&nbsp;<a href=\"https:\/\/financera.hu\/ceg\/otp-bank\/#read-reviews\">23<\/strong>&nbsp;v\u00e9lem\u00e9ny<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.hu\/ceg\/erste-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2018\/06\/erste-min.jpg\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">V\u00e1lasztva <strong>8&nbsp;166<\/strong> alkalommal v\u00e1lasztva<\/span><ul class=\"items-content__card-list\"><li >Nincs sz\u00fcks\u00e9g t\u00e1rgyi biztos\u00edt\u00e9kra<\/li><li >R\u00f6vid, egyszer\u0171 elb\u00edr\u00e1l\u00e1s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">1500000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">2999999<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legalacsonyabb THM<\/span><span class=\"items-content__card-datapoint-value\">17.82<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legmagasabb THM<\/span><span class=\"items-content__card-datapoint-value\">18.28<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">3 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">8 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Elfogadja a KHR ad\u00f3list\u00e1n szerepl\u0151ket:<\/span><span class=\"items-content__card-datapoint-value\">Nem. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum \u00e9letkor<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.hu\/ceg\/erste-bank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.erstebank.hu\/hu\/ebh-business\/nagyvallalatok\/finanszirozas\/faktoring\" data-url_param_pid=\"1012\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Aj\u00e1nlatok megtekint\u00e9se<\/a><a href=\"https:\/\/financera.hu\/ceg\/erste-bank\/\" data-url_param_customlink=\"https:\/\/www.erstebank.hu\/hu\/ebh-business\/nagyvallalatok\/finanszirozas\/faktoring\" class=\"button is-rounded items-content__card-more-info\">T\u00f6bb inform\u00e1ci\u00f3<\/a><a href=\"https:\/\/financera.hu\/ceg\/erste-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.5\">2.5<\/span><\/a><span class=\"items-content__card-reviews\"> Olvas\u00e1s&nbsp;<a href=\"https:\/\/financera.hu\/ceg\/erste-bank\/#read-reviews\">8<\/strong>&nbsp;v\u00e9lem\u00e9ny<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.hu\/ceg\/magnet-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2019\/03\/magnet-bank-min.jpg\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">V\u00e1lasztva <strong>7&nbsp;957<\/strong> alkalommal v\u00e1lasztva<\/span><ul class=\"items-content__card-list\"><li >Munkab\u00e9rel\u0151leg Rendszer<\/li><li >Sz\u00e1mos t\u00edpus\u00fa faktoring<\/li><li >Nem sz\u00fcks\u00e9ges banksz\u00e1ml\u00e1t nyitni<\/li><li >Online ig\u00e9nyl\u00e9s<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">1300000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">3399000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legalacsonyabb THM<\/span><span class=\"items-content__card-datapoint-value\">16.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legmagasabb THM<\/span><span class=\"items-content__card-datapoint-value\">19.20<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">7 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Elfogadja a KHR ad\u00f3list\u00e1n szerepl\u0151ket:<\/span><span class=\"items-content__card-datapoint-value\">Nem. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum \u00e9letkor<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.hu\/ceg\/magnet-bank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/magnetfaktor.hu\/\" data-url_param_pid=\"3986\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Aj\u00e1nlatok megtekint\u00e9se<\/a><a href=\"https:\/\/financera.hu\/ceg\/magnet-bank\/\" data-url_param_customlink=\"https:\/\/magnetfaktor.hu\/\" class=\"button is-rounded items-content__card-more-info\">T\u00f6bb inform\u00e1ci\u00f3<\/a><a href=\"https:\/\/financera.hu\/ceg\/magnet-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.9\">2.9<\/span><\/a><span class=\"items-content__card-reviews\"> Olvas\u00e1s&nbsp;<a href=\"https:\/\/financera.hu\/ceg\/magnet-bank\/#read-reviews\">5<\/strong>&nbsp;v\u00e9lem\u00e9ny<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.hu\/ceg\/mbh-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2023\/05\/mbh-bank.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2023\/05\/mbh-bank.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/22\/2023\/05\/mbh-bank-246x69.png 246w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/a><span class=\"items-content__card-chosen\">V\u00e1lasztva <strong>1&nbsp;187<\/strong> alkalommal v\u00e1lasztva<\/span><ul class=\"items-content__card-list\"><li >Besz\u00e1ll\u00edt\u00f3i faktoring program<\/li><li >\u00dcgyf\u00e9lm\u00e9rett\u0151l f\u00fcggetlen\u00fcl ig\u00e9nyelhet\u0151<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">500000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">3000000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legalacsonyabb THM<\/span><span class=\"items-content__card-datapoint-value\">18.10<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legmagasabb THM<\/span><span class=\"items-content__card-datapoint-value\">18.10<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">7 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Elfogadja a KHR ad\u00f3list\u00e1n szerepl\u0151ket:<\/span><span class=\"items-content__card-datapoint-value\">Nem. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum \u00e9letkor<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.hu\/ceg\/mbh-bank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.mbhbank.hu\/vallalatok\/faktoring\" data-url_param_pid=\"42384\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Aj\u00e1nlatok megtekint\u00e9se<\/a><a href=\"https:\/\/financera.hu\/ceg\/mbh-bank\/\" data-url_param_customlink=\"https:\/\/www.mbhbank.hu\/vallalatok\/faktoring\" class=\"button is-rounded items-content__card-more-info\">T\u00f6bb inform\u00e1ci\u00f3<\/a><a href=\"https:\/\/financera.hu\/ceg\/mbh-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_red\" data-rating-value=\"1.3\">1.3<\/span><\/a><span class=\"items-content__card-reviews\"> Olvas\u00e1s&nbsp;<a href=\"https:\/\/financera.hu\/ceg\/mbh-bank\/#read-reviews\">13<\/strong>&nbsp;v\u00e9lem\u00e9ny<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.hu\/ceg\/raiffeisen-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/22\/2019\/01\/raiffeisen-bank-min.jpg\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">V\u00e1lasztva <strong>7&nbsp;243<\/strong> alkalommal v\u00e1lasztva<\/span><ul class=\"items-content__card-list\"><li >Export faktoring<\/li><li >Fedezet n\u00e9lk\u00fcl ig\u00e9nyelhet\u0151<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">300000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hitel\u00f6sszeg<\/span><span class=\"items-content__card-datapoint-value\">10000000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legalacsonyabb THM<\/span><span class=\"items-content__card-datapoint-value\">18.80<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Legmagasabb THM<\/span><span class=\"items-content__card-datapoint-value\">19.20<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">3 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max futamid\u0151<\/span><span class=\"items-content__card-datapoint-value\">7 \u00e9v<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Elfogadja a KHR ad\u00f3list\u00e1n szerepl\u0151ket:<\/span><span class=\"items-content__card-datapoint-value\">Nem. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum \u00e9letkor<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.hu\/ceg\/raiffeisen-bank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.raiffeisen.hu\/nagyvallalatok\/faktoring\/belfoldi-faktoring\" data-url_param_pid=\"3553\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Aj\u00e1nlatok megtekint\u00e9se<\/a><a href=\"https:\/\/financera.hu\/ceg\/raiffeisen-bank\/\" data-url_param_customlink=\"https:\/\/www.raiffeisen.hu\/nagyvallalatok\/faktoring\/belfoldi-faktoring\" class=\"button is-rounded items-content__card-more-info\">T\u00f6bb inform\u00e1ci\u00f3<\/a><a href=\"https:\/\/financera.hu\/ceg\/raiffeisen-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><span class=\"items-content__card-reviews\"> Olvas\u00e1s&nbsp;<a href=\"https:\/\/financera.hu\/ceg\/raiffeisen-bank\/#read-reviews\">19<\/strong>&nbsp;v\u00e9lem\u00e9ny<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"sszefoglal\">\u00d6sszefoglal\u00f3<\/h3><p>A faktoring n\u00f6vel egy c\u00e9g forgalmi sebess\u00e9g\u00e9n, \u00e9s lehet\u0151v\u00e9 teszi azt, hogy a v\u00e1llalkoz\u00e1s egy p\u00e9nz\u00fcgyi probl\u00e9ma eset\u00e9n kies\u00e9s n\u00e9lk\u00fcl folytatni tudja a tev\u00e9kenys\u00e9g\u00e9t.Nem minden esetben a v\u00e1llalkoz\u00f3i hitel a legjobb v\u00e1laszt\u00e1s.<\/p>\n<p>Lehet, hogy a faktoring ide\u00e1lisabb megold\u00e1st ny\u00fajt a keletkezett p\u00e9nz\u00fcgyi probl\u00e9ma megold\u00e1s\u00e1ra, vagy a probl\u00e9ma fell\u00e9p\u00e9s\u00e9nek elker\u00fcl\u00e9s\u00e9re.<\/p>\n<p>Fontos, hogy minden olyan lehet\u0151s\u00e9get ismerj, amit kihaszn\u00e1lhatsz a v\u00e1llalkoz\u00e1sod fejleszt\u00e9se \u00e9rdek\u00e9ben. Sok sikert k\u00edv\u00e1nunk!<\/p><\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Forrsok\">Forr\u00e1sok<\/h3><ul>\n<li><a href=\"https:\/\/bkik.hu\/hu\/szolgaltatasok\/tudastar\/faktoring\">Faktoring &#8211; BKIK<\/a><\/li>\n<li><a href=\"https:\/\/bavfaktor.hu\/2019\/04\/02\/a-faktoralas-menete\/\">A faktor\u00e1l\u00e1s menete &#8211; B\u00c1V Faktor<\/a><\/li>\n<\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>A faktoringot haz\u00e1nkban m\u00e9g viszonylag kev\u00e9s ember ismeri, azonban a hitel egyik legfontosabb kieg\u00e9sz\u00edt\u0151j\u00e9r\u0151l\u00a0van sz\u00f3, amely ak\u00e1r helyettes\u00edtheti is azt.\u2026 <\/p>\n","protected":false},"author":80,"featured_media":45992,"parent":901,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[51],"tags":[33],"_links":{"self":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/pages\/2049"}],"collection":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/comments?post=2049"}],"version-history":[{"count":46,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/pages\/2049\/revisions"}],"predecessor-version":[{"id":78462,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/pages\/2049\/revisions\/78462"}],"up":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/pages\/901"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/media\/45992"}],"wp:attachment":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/media?parent=2049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/categories?post=2049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/tags?post=2049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}