{"id":5667,"date":"2024-01-23T20:22:54","date_gmt":"2024-01-23T18:22:54","guid":{"rendered":"https:\/\/inwest.lt\/?page_id=5667"},"modified":"2026-01-23T23:24:05","modified_gmt":"2026-01-23T21:24:05","slug":"sutelktinis-finansavimas","status":"publish","type":"page","link":"https:\/\/inwest.lt\/en\/sutelktinis-finansavimas\/","title":{"rendered":"Sutelktinis finansavimas"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"5667\" class=\"elementor elementor-5667\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32697e2 e-flex e-con-boxed e-con e-parent\" data-id=\"32697e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-91b7b45 e-con-full e-flex e-con e-child\" data-id=\"91b7b45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8017dcb e-con-full e-flex e-con e-child\" data-id=\"8017dcb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d21e203 elementor-widget elementor-widget-heading\" data-id=\"d21e203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xxl\">Sutelktinis finansavimas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295d20f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"295d20f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-l5rtmq55\" class=\"KcpHeO tz5f0K comp-l5rtmq55 wixui-text\" data-testid=\"richTextElement\"><p>Sutelktinis finansavimas (angl., crowdfunding) yra suprantamas kaip veikla, kai per specializuot\u0105 platform\u0105 asmenys teikia <strong>kreditus verslams arba investuoja \u012f versl\u0173 si\u016blomas finansines priemones<\/strong>. Taigi per sutelktinio finansavimo platformas pinigus ateina <strong>pasiskolinti arba pritraukti kapitalo <\/strong>verslai, pvz., verslo vystymui, apyvartin\u0117ms l\u0117\u0161oms, nekilnojamojo turto projektams \u012fgyvendinti.<\/p><p>Tuo sutelktinis finansavimas skiriasi nuo tarpusavio skolinimo \u2013 tarpusavio skolinimo platformose pinigus i\u0161 investuotoj\u0173 skolinasi fiziniai asmenys savo asmeniniams (ne verslo) poreikiams, pvz., automobiliui \u012fsigyti, remontui, mokslams ir pan.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-996c20f e-con-full e-flex e-con e-child\" data-id=\"996c20f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91ae61c e-flex e-con-boxed e-con e-parent\" data-id=\"91ae61c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-115011f elementor-widget elementor-widget-heading\" data-id=\"115011f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sutelktinis finansavimas b\u016bna 4 r\u016b\u0161i\u0173:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d852393 e-flex e-con-boxed e-con e-parent\" data-id=\"d852393\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-55a652d e-flex e-con-boxed e-con e-child\" data-id=\"55a652d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-414c55e e-con-full e-flex e-con e-child\" data-id=\"414c55e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa8f83 elementor-widget elementor-widget-heading\" data-id=\"0aa8f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">01<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb7a0b0 e-con-full e-flex e-con e-child\" data-id=\"cb7a0b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64391d4 elementor-widget elementor-widget-text-editor\" data-id=\"64391d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h5><strong>Skolinimo<\/strong>\u00a0<\/h5><p>Kai investuotojas skolina verslui pinigus u\u017e pal\u016bkanas, o verslas \u012fsipareigoja gr\u0105\u017einti paskol\u0105 i\u0161 anksto nustatytu grafiku.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34b0177 e-flex e-con-boxed e-con e-child\" data-id=\"34b0177\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb8e403 e-con-full e-flex e-con e-child\" data-id=\"bb8e403\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e666d8d elementor-widget elementor-widget-heading\" data-id=\"e666d8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">02<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebb2cf6 e-con-full e-flex e-con e-child\" data-id=\"ebb2cf6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2055a25 elementor-widget elementor-widget-text-editor\" data-id=\"2055a25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h5 class=\"font_2\"><span style=\"color: #800080;\"><strong>Investavimo\u00a0<\/strong><\/span><\/h5><\/div><div id=\"comp-l7otbcl2__item1\" class=\"KcpHeO tz5f0K comp-l7otbcl2 wixui-text\" data-testid=\"richTextElement\"><p class=\"font_2\">Kai investuotojas \u012fsigija verslo i\u0161leid\u017eiam\u0173 vertybini\u0173 popieri\u0173, pvz., akcij\u0173 ar obligacij\u0173.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b05a51 e-flex e-con-boxed e-con e-child\" data-id=\"9b05a51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45e3c9d e-con-full e-flex e-con e-child\" data-id=\"45e3c9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1fee6d elementor-widget elementor-widget-heading\" data-id=\"b1fee6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">03<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dba7185 e-con-full e-flex e-con e-child\" data-id=\"dba7185\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-496b664 elementor-widget elementor-widget-text-editor\" data-id=\"496b664\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h5><strong>Labdaros <\/strong><\/h5><p>Kai yra organizuojamas pinig\u0173 rinkimas labdaros tikslais (pvz., nukent\u0117jusiems nuo karo ar kit\u0173 nelaimi\u0173 atveju).<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7909b91 e-flex e-con-boxed e-con e-child\" data-id=\"7909b91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b9dc29 e-con-full e-flex e-con e-child\" data-id=\"8b9dc29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60433d2 elementor-widget elementor-widget-heading\" data-id=\"60433d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">04<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a126f89 e-con-full e-flex e-con e-child\" data-id=\"a126f89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0df4fd9 elementor-widget elementor-widget-text-editor\" data-id=\"0df4fd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h5><strong>Paramos <\/strong><\/h5><p>Kai l\u0117\u0161os yra renkamos mainais \u017eadant nefinansin\u0119 naud\u0105 (pvz., atlik\u0117jas renka pinigus i\u0161 gerb\u0117j\u0173 naujam k\u016briniui sukurti, mainais si\u016blydamas bilietus \u012f sukurto k\u016brinio pristatym\u0105).<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab7291f e-flex e-con-boxed e-con e-parent\" data-id=\"ab7291f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d497885 elementor-widget elementor-widget-text-editor\" data-id=\"d497885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Platforma, per kuri\u0105 vyksta pinig\u0173 skolinimas(is) yra, privalo tur\u0117ti Lietuvos banko ar kitos \u0161alies i\u0161duot\u0105 licencij\u0105 sutelktinio finansavimo veiklai. Licencijuojamos yra tik pirmos ir antros r\u016b\u0161ies \u2013 skolinimo ir investavimo \u2013 platformos. Nuo <strong>2023 m. lapkri\u010dio m\u0117n. <\/strong>pilnai galioja Europos S\u0105jungos sutelktinio finansavimo reglamentas, kuris nustat\u0117 bendras taisykles visose ES \u0161alyse veikian\u010dioms platformoms. Prakti\u0161kai tai rei\u0161kia, kad visose \u0161alyse taikomi tokie patys reikalavimai ir investuotoj\u0173 apsaugos mechanizmai.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56f95a1 e-flex e-con-boxed e-con e-parent\" data-id=\"56f95a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e62725 elementor-widget elementor-widget-text-editor\" data-id=\"5e62725\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tod\u0117l pati <strong>pirmoji taisykl\u0117<\/strong>, pradedant investuoti per sutelktinio finansavimo platformas yra \u012fsitikinti, kad platformos operatorius yra <strong>licencijuotas subjektas<\/strong>. T\u0105 patikrinti galite apsilank\u0119 <a href=\"https:\/\/www.lb.lt\/lt\/finansu-rinku-dalyviai?ff=1&amp;market=1&amp;type%5B%5D=48\">Lietuvos banko interneto svetain\u0117je.<\/a><\/p><p>Jei \u012fmon\u0117 yra licencijuota, galite tik\u0117tis, kad jos veikla yra nuolat pri\u017ei\u016brima, o i\u0161kilus problemoms gal\u0117site savo teises apsiginti Lietuvos banke.<\/p><p>Skolinimas ar investavimas per sutelktinio finansavimo platformas gali suteikti didesn\u0119 gr\u0105\u017e\u0105 nei investuojant \u012f kitus finansinius instrumentus. Ta\u010diau kartu tai susij\u0119 su didesne prisiimama rizika \u2013 verslo ty\u010din\u0117s ar nety\u010din\u0117s nes\u0117km\u0117s atveju investuotojas rizikuoja prarasti vis\u0105 investicijos sum\u0105. Taigi <strong>antroji taisykl\u0117<\/strong> investuojant per platformas \u2013 <strong>diversifikavimas<\/strong>, arba pinig\u0173 paskirstymas \u012f skirtingus verslo projektus. Tokiu atveju vieno verslo projekto nes\u0117km\u0117 reik\u0161mingai nepaveiks viso investicij\u0173 krep\u0161elio.<\/p><p>Rizikos ma\u017einimo priemon\u0117 \u2013 besiskolinan\u010dio verslo investuotojams teikiamos garantijos, turto \u012fkeitimas ir kitos priemon\u0117s. Tod\u0117l <strong>tre\u010dioji taisykl\u0117<\/strong>, kuri gali pad\u0117ti tinkamai suvaldyti rizik\u0105 \u2013 susipa\u017einkite su projekto, \u012f kur\u012f planuojate investuoti, apra\u0161ymu. Platformos operatorius privalo pateikti i\u0161sami\u0105 informacij\u0105 apie versl\u0105, \u012fkeitim\u0105 ir priskirti projektui rizikos reiting\u0105. Kuo rizikos reitingas \u017eemesnis \u2013 tuo didesn\u0117 tikimyb\u0117, kad verslas gali susidurti su sunkumais \u012fvykdyti savo \u012fsipareigojimus investuotojams (mok\u0117ti pal\u016bkanas, gr\u0105\u017einti pasiskolint\u0105 sum\u0105 ir pan.). Jei j\u016bs\u0173 rizikos tolerancija yra \u017eema, rinkit\u0117s projektus su didesniu \u012fkaitu ir auk\u0161tesniu reitingu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-01fa223 e-flex e-con-boxed e-con e-parent\" data-id=\"01fa223\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-964329f elementor-widget elementor-widget-heading\" data-id=\"964329f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">K\u0105 reikt\u0173 \u012fsid\u0117m\u0117ti:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0eb2c83 e-flex e-con-boxed e-con e-parent\" data-id=\"0eb2c83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-041e2fc e-con-full e-flex e-con e-child\" data-id=\"041e2fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0597fb elementor-widget elementor-widget-text-editor\" data-id=\"c0597fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Investicijoms per sutelktinio finansavimo platformas <strong>n\u0117ra taikoma ind\u0117li\u0173 ar investicij\u0173 draudimo apsauga<\/strong> \u2013 valstyb\u0117 negarantuoja, kad platformos nemokumo atveju j\u016bs i\u0161 valstyb\u0117s atgausite savo investicijos sum\u0105.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cb2f4c e-con-full e-flex e-con e-child\" data-id=\"9cb2f4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7689146 elementor-widget elementor-widget-text-editor\" data-id=\"7689146\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">Investuotojas visi\u0161kai <strong>prisiima rizik\u0105 d\u0117l<\/strong> verslo, kuriam buvo paskolintos l\u0117\u0161os, <strong>nemokumo<\/strong>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44f0ffb e-con-full e-flex e-con e-child\" data-id=\"44f0ffb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3369c elementor-widget elementor-widget-text-editor\" data-id=\"4e3369c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Investicijos likvidumas: jei platforma <strong>neturi<\/strong> <strong>antrin\u0117s rinkos<\/strong> investuotojas gali netur\u0117ti galimybi\u0173 parduoti savo investicijos anks\u010diau laiko, tad esant tokiam poreikiui reikt\u0173 \u012fsivertinti platformos si\u016blomus funkcionalumus.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31a749c e-con-full e-flex e-con e-child\" data-id=\"31a749c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea5343c elementor-grid-1 elementor-product-loop-item--align-center elementor-grid-mobile-1 elementor-grid-tablet-3 elementor-products-grid elementor-wc-products elementor-widget elementor-widget-woocommerce-products\" data-id=\"ea5343c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"woocommerce-products.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"woocommerce columns-1\"><ul class=\"products elementor-grid columns-1\">\n<li class=\"member-discount discount-restricted product type-product post-1115 status-publish first instock product_cat-kursai has-post-thumbnail virtual purchasable product-type-simple\">\n\t<a href=\"https:\/\/inwest.lt\/en\/product\/tarpusavio-skolinimo-ir-sutelktinio-finansavimo-platformos\/\" class=\"woocommerce-LoopProduct-link woocommerce-loop-product__link\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/inwest.lt\/wp-content\/uploads\/2025\/03\/INWEST-web-banners-square-imagesfinansavimas-300x225.webp\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Tarpusavio skolinimo ir sutelktinio finansavimo platformos\" \/><h2 class=\"woocommerce-loop-product__title\">Tarpusavio skolinimo ir sutelktinio finansavimo platformos<\/h2>\n\t<span class=\"price\"><span class=\"woocommerce-Price-amount amount\"><bdi>19,00&nbsp;<span class=\"woocommerce-Price-currencySymbol\">&euro;<\/span><\/bdi><\/span><\/span>\n<\/a><div class=\"woocommerce-loop-product__buttons\"><a data-ga4-item_id=\"1115\" data-ga4-item_name=\"Tarpusavio skolinimo ir sutelktinio finansavimo platformos\" 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Taigi per sutelktinio finansavimo platformas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14225,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"class_list":["post-5667","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sutelktinis finansavimas - INWEST<\/title>\n<meta name=\"description\" content=\"Sutelktinis finansavimas (angl., crowdfunding) yra suprantamas kaip veikla, kai per specializuot\u0105 platform\u0105 asmenys teikia kreditus verslams arba investuoja \u012f versl\u0173 si\u016blomas finansines priemones. Taigi per sutelktinio finansavimo platformas pinigus ateina pasiskolinti arba pritraukti kapitalo verslai, pvz., verslo vystymui, apyvartin\u0117ms l\u0117\u0161oms, nekilnojamojo turto projektams \u012fgyvendinti.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inwest.lt\/en\/sutelktinis-finansavimas\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sutelktinis finansavimas - INWEST\" \/>\n<meta property=\"og:description\" content=\"Sutelktinis finansavimas (angl., crowdfunding) yra suprantamas kaip veikla, kai per specializuot\u0105 platform\u0105 asmenys teikia kreditus verslams arba investuoja \u012f versl\u0173 si\u016blomas finansines priemones. 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