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business

Why is it worth choosing recourse factoring?

Why is it worth choosing recourse factoring?

Factoring is an increasingly popular financial service in Poland. According to the data of the Polish Factors Association, almost 9,000 Polish companies used factoring in 2017 alone. Read on and see why so many companies use factoring.

Factoring is a financial service that finances invoices with deferred payment terms. Due to the popularity of factoring, there are many types of factoring on the market. One of the most popular types of factoring is also called incomplete factoring.

Recourse factoring allows you to finance an invoice with a deferred payment date as early as 24 hours after the factoring agent, i.e. a company using factoring services, provides its copy. Usually, factors (companies providing factoring services) allow the factorer to pay up to 90 percent of the value of a single invoice, and the funds obtained in this way can be used for any purpose.

Thanks to this factoring with recourse directly improves financial liquidity companies, acquiring funds that would normally be frozen on an invoice with a long payment term. Thanks to recourse factoring, the company can obtain the funds necessary to settle receivables from business partners, lessors, the Tax Office, ZUS or employees.

Factoring with recourse is primarily a service much cheaper than non-recourse factoring, called also proper factoring or full factoring. The lower price is mainly due to the fact that the risk of insolvency is not transferred from the factor to the factor, which naturally occurs in the case of the aforementioned actual factoring. deferred payment date, the factorer must pursue claims on his own and settle the amounts due to the factor who has fulfilled the contract and provided the factoring service (faster payment of the advance payment of up to 90 percent of the invoice value).

virtually every company that conducts sales with deferred payment terms can benefit. It does not matter whether the subject of the transaction is a specific good or service. For a company providing financial services, the deferred payment date is also irrelevant, which can be both 14 and 45 days.

Thanks to recourse factoring, enterprises can quickly obtain funds for their current operations, and the price this type of financial service is competitive with traditional solutions offered by banks, such as credit lines, corporate loans or revolving loans.

It seems to me that a lot also depends on the situation and specificity of a given company when it comes to choosing type of factoring. Nevertheless, the service itself is very beneficial and can significantly help in maintaining financial liquidity.

Very nice article, it’s good that you make people aware of the company’s financing possibilities. If there are any bottlenecks, factoring is definitely a good idea.

There are big differences in the price of factoring with and without regression?

Factoring well-discussed

 

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business

Why is it worth drawing inspiration for interiors from the web?

Why is it worth drawing inspiration for interiors from the web?

Probably many readers still remember the times in which the Internet network did not exist in our country at all. Access to information was extremely difficult at that time. Today, however, we are in the twenty-first century and we are very eager to use various technological achievements.

For us, it is work, entertainment, but also a lot of information. So when we arrange our four walls, we also look for inspiration, photos and galleries here that would allow us to arrange the interior in a really stylish and very tasteful way.

What is fashionable? The network will tell you!

When it comes to interior decorations (visit the blog about wall decorations), we must be aware of the fact that trends are changing here like in a kaleidoscope, however, the Internet network is successfully following this crazy pace keeps up, so it is worth using it. Because when we are going to change the appearance of our four walls, we must know that there is no need to carry out an extremely expensive and very time-consuming general renovation, it will be much better if we choose very stylish wall decorations. Which for example? For example, 3d images, thanks to which we have the opportunity to visually enlarge the room. A good solution is also the purchase of very fashionable paintings on acrylic glass, which will decorate many rooms in a really tasteful way. It also turns out to be a very fashionable solution to arrange a piece of work in the interior of a house or apartment, which consists of several parts.

Quickly, conveniently, for free!

Many people do not even realize how extremely convenient and comfortable solution we are dealing with here. We do not have to buy interior design magazines – today it only takes a few clicks of the mouse to find out what is currently fashionable, what trends are created by specialists in the interior design industry or how to choose a given decoration for the furniture or the color of the walls . This state of affairs is very happy, because it guarantees that Poles will have better and better arranged spaces. And that’s it!

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business

Why should small businesses also have a professional website?

Why should small businesses also have a professional website?

The latest research shows that in Poland about 85% of consumers use the Internet to find a local business. Most of these people also look for opinions about a given company and read testimonials. It all shows that online presence is very important, even for the smallest companies. Creating a professional website should be a priority, above all, for small local businesses. It can be a small business card that informs about the location, contact method and services offered. This will help reach customers who often look for services and shops in the immediate vicinity of their whereabouts.

As more than half of consumers use the Internet via mobile devices, it is important that the website is prepared in accordance with the prevailing trends and is adapted to small devices. Therefore, we advise against using free solutions. we advise you to leave it to the professionals. There are many companies that will create a professionally small website for the price from 500 to 1000 PLN.

What are the benefits of investing in a cheap but professional website?

First appearing in local search results so that your company can compete with large networks.

Secondly, the basis of a digital marketing strategy is a professional website thanks to which a potential customer will read information about your company, products, services or employees.

Why might a social profile be insufficient to replace a company’s website?

Creating a Facebook, LinkedIn, Twitter or Instagram page for your business is a great idea, but social media alone is not enough.
If you rely solely on social media platforms to build your online presence, it will be harder to control your visibility Your brand on the Internet.

Another important element is that on your website you can present your services and products in an unlimited, unconstrained way. If your website is properly designed by professionals, your company’s credibility will also increase.

Websites are, in most cases, a viable necessity for small or startup businesses. They help potential clients find your company. They make it easy to communicate with existing customers directly via social media and email. They help sell your products or services 24 hours a day.

If you are looking for a company that will create a website for you, we recommend SISET WEB DESIGN, where the prices of a simple, professional business card start from PLN 799.

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business

Ebook readers – a great alternative to paper books

Ebook readers – a great alternative to paper books

It seems that reading is slowly getting back into favor. However, more and more often, instead of traditional, paper books, we choose e-books. However, reading in the new edition would not be possible without e-book readers. When are they irreplaceable and where to buy your e-book reader?

Reading is back in fashion

Reports and analyzes show more and more worse „condition” of reading among Poles. However, as is usually the case, statistics are stats and life is life. It is especially noticeable in the means of public transport. More and more people, instead of browsing social networks while traveling to school or work, choose books – not in the traditional, paper form, but in the form of e-books stored in the reader. Such an edition of reading seems not only fashionable, but also much more convenient – instead of bulky volumes, all you need is a small, lightweight e-book reader that you can easily take with you.

An e-book reader irreplaceable on the go

The subway, buses and city trams are not the only places where you can notice – especially young – people with e-book readers. Longer, intercity and even foreign trips are a great opportunity to relax while reading your favorite book. More and more people read on trains, intercity buses or planes. When traveling, we much more often prefer to take with us, instead of a book that takes up more space, it can be damaged, put between luggage or simply too heavy or bulky. When we go on a longer journey and want to read many books during it, the e-book reader will be much better than taking half of the home library with us. What’s more, when we finish reading ahead of schedule and we run out of more items, we can buy another item at any time and lose ourselves in reading.

Where to buy the best ebook reader?

When deciding to buy an e-book reader, we should first of all determine the budget we have and our needs. Market prices of readers range from several hundred to several thousand zlotys. These clever devices, capable of storing countless books, come in a variety of sizes, colors, etc., so you can be sure that any bookworm looking to enter a new era of reading will find the perfect e-book reader for themselves. If you want to buy a reader, it is worth choosing a proven and trusted place with a good reputation – regardless of whether they will be stationary or online stores.

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business

What is a social loan?

What is a social loan?

A social loan, also known as peer-to-peer, social lending and private loan, is a solution that is very popular in Denmark, Great Britain or the USA. In Poland, the social loan entered the market at the turn of 2008/2009, so it is still a relatively new thing for us. Some people find it a great tool for borrowing money, but others find it too risky.

Matchbanker is worth checking out. It is an innovative ranking of the best offers on the Polish market. This Scandinavian company offers the best solutions for its clients and works only with trusted lenders who have helped thousands of clients. This service is completely free, fast and transparent. It is written in plain and understandable language so that the terms and fees associated with the loan are understood by everyone.

What is a social loan?

The premise of a social loan is the possibility of concluding a loan between two people physical. They are distinguished by a flexible way of setting the terms of the contract. The process runs directly between the borrower and the lender, and it is a loan that you apply for online. You can get it from private individuals through online intermediaries, which means the entire process is completely anonymous.

When should you get a social loan?

What can you gain by taking out a social loan?

You have the option of agreeing with the lender the amount of the loan that suits you and the amount of the monthly installment, so that your home budget does not suffer. In addition, the contract will be more transparent for you, and you can take a quick loan without additional formalities, even with a negative credit history.

What can you gain by granting a social loan?

As a lender, you can choose the appropriate one yourself. you offers borrowers, where you set the terms of the loan yourself. From signing the contract, you are able to see

what profit you will have on a specific application, because the loan interest rate is determined at the very beginning of signing the contract.

A social loan is also a good solution for people in debt . Some people go into a debt spiral when they take out one loan to pay off the previous one. To get out of the vicious circle, the indebted person can take out a social loan in installments to pay off previous debts. This makes it possible to repay several smaller liabilities with one larger loan in several smaller installments, which will better bear the budget.

Another idea for getting out of the financial hole is to invest the money from the social loan in your own business. It is worth taking this idea into account. Often, however, the problem is not a complete lack of funds, but a temporary need for a larger amount. However, fate sometimes likes to play tricks on us, which often end badly for us, such as deterioration of health, a failed exam or other sudden fees.

Remember! Before you borrow money online, make sure that you will be able to pay off the loan on the agreed date. It is worth writing down the date so that you do not miss it.

Read the loan agreement carefully and sign it only when absolutely everything is clear and understandable in it. Check that you haven’t made any mistakes in the application, such as typos.

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business

What is GLP and why is it so important in the company?

What is GLP and why is it so important in the company?

Securing data in the company is one of the most important things. It is not difficult to imagine the consequences of stealing confidential information that has not been properly secured. DPL helps us to protect against data theft. Here’s what GLP is and why is it so important to any business?

Why is it so important to keep your data secure and how can it be stolen?

Appropriate protection of devices in the company and the data contained therein is one of the most important things that should be taken care of by IT staff. And although it might seem that our awareness of threats increases with the development of technology, the statistics conducted by companies producing antivirus software tell us something different. Many people still ignore security issues or are not aware of the threats lurking around the corner of cyberspace. Good protection of the equipment in the company will protect us against unwanted hacker attacks, and thus, irretrievable loss of valuable data, downtime in the company’s operation and the consequences of this. Yes, such an incident can cause many problems. For lawsuits and claims from contractors, the company usually operates normally. However, this does not change the fact that it may generate considerable costs, and even the necessity to close the business. That is why IT security and data protection are so important. The task is so difficult that nowadays an attack can take place not only from the outside, but also from the inside. The truth is sometimes upsetting – even the most trusted employees can act to our disadvantage. Fortunately, DPL comes to the rescue of data protection.

What is DPL?

DPL is nothing more than an action to protect your data. By Data Leak Prevention, we can understand the definition and definition of a security policy for files and data held by a company. Thanks to this, GLP becomes a working mechanism whose task is to supervise the flow of data throughout the company and ensure that the right people have access to the designated data. This policy also relates to the scope for further action with specific data by selected employees.

How does GLP help protect data?

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business

Is working at home really just a plus?

Is working at home really just a plus?

Working full-time is usually associated with eight hours of work, stabilization and a secure, paid salary on time. Unfortunately, it also has disadvantages. Getting up early every day, time-consuming travel to work to be on time, tedious performance of the same duties can be discouraging, so many people think about quitting their job and starting work at home. This type of employment seems to have only benefits. But how does it actually look like? Is working from home really just a plus?

Advantages of working from home

There are many advantages to working from home. First of all, you can get a good night’s sleep. Time and money are not wasted on long journeys. The undoubted advantage of this type of work is that we work at any time that suits us best. We also have time to deal with various matters that cannot be solved by working full-time. Working from home also means the lack of a supervisor who controls how we work. All these advantages of working at home seem extremely attractive, but unfortunately in practice it does not look so good and it may turn out that this type of employment is not necessarily suitable for us.

Working from home is not without its drawbacks

Many people feel that working from home has only advantages. For some, it is even a dream come true of light and pleasant work, moreover, fairly rewarded. It turns out, however, that it does not necessarily have the same advantages. Working at home has many disadvantages, so before leaving your job, you should think carefully whether it is worth making such a revolution in your life. Unlimited working time is a tempting proposition, but you should take into account that we will often work much longer. Daily work in the same place without contact with other people does not have a positive effect on the well-being and work efficiency. Just like the lack of a supervisor who orders the performance of specific duties, which makes it difficult to mobilize yourself to work. The most important disadvantage of working at home, however, is that it usually takes place on the basis of civil law contracts, which do not adequately protect the employee’s rights.

Interesting suggestions for working at home can be found on the website

 

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business

Is subscription store software a good choice?

Is subscription store software a good choice?

Running a business of selling via the Internet is the most popular way to do online business these days. More and more young people are taking this step. However, the purchase of an online store that will be designed individually, according to the owner’s needs, is still too high a cost for novice entrepreneurs. An alternative is a subscription-based online store. Let’s check the benefits of such a solution and whether it is worth using such an option.

An online store in the SaaS model is very often the only way to open your own e-commerce business. What is the Saas model? This is nothing more than using the infrastructure and software that is stored on its owner’s server. This is possible thanks to the use of cloud technology, which allows the application to be made available to the customer via the Internet for a fee. The software owner gives access to the e-commerce platform in exchange for a small subscription.

Undoubtedly, the biggest advantage of using the online store model based on a subscription is low costs. This is why the SaaS model is so often chosen by novice entrepreneurs. Payment is made in the system of monthly installments. The amount is decided by the client himself, who chooses a specific package. The number of available options affects the price. The software for online stores available on a subscription basis does not require a high budget.

Another important argument for the fact that subscription stores are worth using is the receipt of ready-made graphic templates with a wizard that allows you to conveniently edit the appearance. This solution offers software that gives the customer a very practical but easy-to-use software that includes all the necessary integrations. Thanks to this, there is no need to independently implement the necessary tools or plugins, and thus carry out complex programming work. Anyone can use such a solution, regardless of the level of IT skills.

Owners of SaaS model software also offer support to their clients, which is extremely important, especially at the beginning of the business. A helping hand applies to both marketing solutions and technical matters. Thanks to the function of merging the store with other forms of distribution, such as Allegro or Ceneo, the software user gains the opportunity to conduct multi-channel sales, and thus reach a much larger number of potential customers.

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business

Is the Gutenberg era ending?

Is the Gutenberg era ending?

The last two decades in terms of technology development and changes in related trends are not only stunning developments, but also largely unpredictable. Often even specialists in foreseeing the future are not able to predict what news will appear in the coming months, even when it comes to smartphones.

This also applies to computers, because it is not certain whether they are too few years we will need to transmit messages to the equipment with the use of keys. After all, this is related to the written word, which has been with us for millennia.

The written word or pictures?

So what do we primarily notice in recent decades and which can be worrying. First of all, a radical decline in the level of readership. In Poland, over 60 percent of people in 2017 did not read a single book, including many with higher education.

One can ask the question – why do they not read? Most often the answer is simple – we are becoming a picture civilization. Nevertheless, it is also worth bearing in mind that maybe some of us use audiobooks, and here it is difficult to accuse them of not having contact with literature. It is also worth emphasizing that readership has not been falling so rapidly for a few years – it is rather at the same level.

Nevertheless, it is not risky to argue that the rejection of the written word in favor of the picture deprives many of in-depth reflection. The picture is boring quickly, also the excess of pictures, so in this aspect the withdrawal syndrome caused by more and more constant boredom occurs faster and more often.

It is also worth doing some research (although it probably has already been done) what we prefer to watch online – film or picture; film or article?

Newspapers

Here a real revolution took place, sometimes even imperceptibly. Portals are replacing paper newspapers and these defend themselves as much as possible, most likely sooner or later, switching to electronic versions.

We have many examples in the West (including the USA), where paper versions of well-known magazines have already been liquidated. On the other hand, if we look at websites such as „Esquire” or „Washington Post”, we notice that the written word, illustrated with photos, receives a lot of space there – they are not dominated by movies.

Shorthand as a threat ?

One of the main features of the web is the avalanche of information and easy access to it. Most news sites focus on short texts. We will find reportages only on the greater depth of the first page. The style is also very short. Is this a threat?

It seems that there is a question of the above-mentioned deeper reflection, but it is a matter of choosing the recipient of the information.

 

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business

Coworking for beginners

Coworking for beginners

Coworking means „working together” in English, which perfectly reflects its idea. It gives you the opportunity to be with other people and perform your tasks in favorable conditions. Coworking spaces can be found in most large cities. What is their phenomenon?

Coworking – what does it mean?

Coworking is based on working a rented desk by one or more people. It is a good solution for micro-enterprises, start-ups as well as freelancers and sole proprietorships. It is most often used by people who do not want to pay for the rent of the entire office. Renting a countertop allows you to avoid unnecessary financial outlays. This is important if your business is just getting started. Coworking offices are usually large open spaces. They often offer the possibility of organizing a meeting in a conference or training room. Often you can also use the so-called virtual office. It is an office service on behalf of an entrepreneur.

Numerous advantages

Coworking gives you the opportunity to work with other people. It is connected with the chance to establish new contacts, also business ones. It also contributes to the lack of loneliness. Many people point out that coworking is important to them because of the so-called small talc. A short conversation during a coffee break can relax you and have a positive effect on the effectiveness of the tasks performed. Equally important for them is the exchange of knowledge and professional experience. As coworking is a space created for work, it provides good conditions for concentration. The popularity of this solution lies not only in renting a desk. Its most important advantage is the ability to be with people.

Advantage over other solutions

Many freelancers choose to work from their own homes. Unfortunately, it exposes them to nuisance noise, e.g. due to a crying baby, arguing neighbors or a barking dog. At the same time, some people associate living with free time too much, which makes it difficult for them to allocate adequate time for work and rest. Coworking is a great solution for both those who do not like to work from home and those who do not have the conditions for it. There are people who go to a cafe with their laptop. While access to good coffee or tea is an advantage, these are most often places not adapted to work. Loud conversations, laughter and the operation of kitchen appliances can effectively influence your level of concentration.

Finding a coworking space