{"id":5110,"date":"2026-04-04T10:00:20","date_gmt":"2026-04-04T07:00:20","guid":{"rendered":"https:\/\/blog.123credit.ro\/sale-and-leaseback-lichiditate-pentru-firme\/"},"modified":"2026-04-04T10:00:20","modified_gmt":"2026-04-04T07:00:20","slug":"sale-and-leaseback-lichiditate-pentru-firme","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/sale-and-leaseback-lichiditate-pentru-firme\/","title":{"rendered":"Sale and leaseback: \u201cgura de aer\u201d pentru lichiditate rapid\u0103, f\u0103r\u0103 s\u0103 pierzi controlul activelor"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>O companie rom\u00e2neasc\u0103 de \u00eenchiriere \u0219i sub\u00eenchiriere auto, cu activitate \u00een Ilfov, de\u021bine o hal\u0103 de produc\u021bie evaluat\u0103 la 616.000 de euro<\/p>\n<p>Activul este real, solid, valoros, dar banii din el erau inaccesibili. \u00centre timp, pia\u021ba nu a\u0219teapt\u0103, iar business-ul are nevoie de \u201ecombustibil\u201d rapid pentru dezvoltare sau capital de lucru. Problema nu era c\u0103 firma ducea lips\u0103 de garan\u021bii. Problema era c\u0103 garan\u021bia ei era literalmente zidit\u0103 \u00een beton.<\/p>\n<h2><strong>Sale and Leaseback, solu\u021bia simpl\u0103 \u0219i eficient\u0103<\/strong><\/h2>\n<p>Echipa 123 a finalizat cu succes o tranzac\u021bie de tip Sale and Leaseback (v\u00e2nzare \u0219i re\u00eenchiriere) \u00een care firma de leasing a achizi\u021bionat hala pentru 350.000 euro + TVA, iar clientul a continuat s\u0103 o foloseasc\u0103 exact ca \u00eenainte, pe baza unui contract de leasing pe 84 de luni. La finalul celor 7 ani, dup\u0103 achitarea ratelor, hala revine \u00een proprietatea companiei.<\/p>\n<p>Rezultatul concret: 350.000 de euro cash injecta\u021bi \u00een business, f\u0103r\u0103 \u00eentreruperea activit\u0103\u021bii, f\u0103r\u0103 relocare, f\u0103r\u0103 pierderea activului pe termen lung.<\/p>\n<h2><strong>Ce este, mai exact, produsul &#8222;Sale and Leaseback\u201d?<\/strong><\/h2>\n<p>Dac\u0103 denumirea sun\u0103 complicat, conceptul este de fapt foarte prietenos pentru antreprenori. Sale and Leaseback (v\u00e2nzare \u0219i rentabilitate prin leasing) este o opera\u021biune financiar\u0103 prin care o companie \u00ee\u0219i vinde un activ fix (cl\u0103dire, hal\u0103, echipament) unei firme de leasing, pentru ca ulterior s\u0103 \u00eel \u00eenchirieze (s\u0103-l ia \u00een leasing) de la aceasta. Practic, vinzi bunul pentru a ob\u021bine banii, dar \u00eel p\u0103strezi \u00een folosin\u021b\u0103 prin plata unei rate lunare, iar la final de contract devii din nou proprietar.<\/p>\n<h2><strong>De ce mai pu\u021bin dec\u00e2t valoarea de pia\u021b\u0103<\/strong><\/h2>\n<p>E \u00eentrebarea legitim\u0103 pe care orice antreprenor serios o pune. Firma de leasing nu cump\u0103r\u0103 la valoarea de pia\u021b\u0103, cump\u0103r\u0103 la valoarea de finan\u021bare, ce reflect\u0103 riscul pe care \u0219i-l asum\u0103 \u0219i randamentul contractului pe termen lung.<\/p>\n<p>Diferen\u021ba dintre 350.000 \u0219i 616.000 de euro nu dispare. Ea este recuperat\u0103 treptat prin ratele lunare, care sunt calculate astfel \u00eenc\u00e2t, la finalul contractului, firma de leasing s\u0103-\u0219i fi acoperit costul achizi\u021biei plus marja.<\/p>\n<p>Altfel spus, clientul nu \u201evinde ieftin&#8221;. Clientul transform\u0103 un activ imobilizat \u00een capital de lucru imediat, pl\u0103tind pentru aceast\u0103 transformare printr-un cost financiar e\u0219alonat. Este similar dob\u00e2nzii dintr-un credit, dar cu o garan\u021bie diferit\u0103 \u0219i un proces mult mai simplu.<\/p>\n<h2><strong>C\u00e2nd are sens aceast\u0103 solu\u021bie<\/strong><\/h2>\n<p>Sale and Leaseback nu e pentru orice situa\u021bie. E o solu\u021bie potrivit\u0103 atunci c\u00e2nd:<\/p>\n<ul>\n<li>Un credit bancar clasic e greu de ob\u021binut sau prea lent, din cauza indicatorilor financiari actuali, a birocra\u021biei sau a timpului de aprobare<\/li>\n<li>Firma de\u021bine active imobiliare sau echipamente cu valoare semnificativ\u0103, dar are nevoie de capital de lucru rapid<\/li>\n<li>Exist\u0103 o oportunitate de pia\u021b\u0103 cu termen scurt: o achizi\u021bie, o extindere, un contract nou care cere avans<\/li>\n<li>Conducerea vrea s\u0103 p\u0103streze controlul activului pe termen lung, dar are nevoie de lichiditate acum<\/li>\n<\/ul>\n<h2><strong>5 avantaje concrete fa\u021b\u0103 de un credit standard<\/strong><\/h2>\n<p>Pentru multe firme, un credit bancar clasic poate fi anevoios sau limitat de indicatorii financiari actuali. Uite de ce Sale and Leaseback este o alternativ\u0103 excelent\u0103:<\/p>\n<ol>\n<li><strong>Garan\u021bia este bunul \u00een sine<\/strong><br \/>\nNu sunt necesare garan\u021bii suplimentare, ipoteci separate sau avaluri personale. Garan\u021bia este \u00eensu\u0219i bunul obiect al contractului, ceea ce simplific\u0103 mult procesul de analiz\u0103 \u0219i aprobare.<\/li>\n<li><strong>Lichiditate aproape imediat\u0103, nu \u00een luni de zile<\/strong><br \/>\nTransformi un activ imobilizat (o hal\u0103, un teren, un echipament) \u00een bani gata de investit \u00een maximum c\u00e2teva s\u0103pt\u0103m\u00e2ni. Un credit bancar clasic poate fi mult mai anevoios sau limitat de indicatorii financiari actuali.<\/li>\n<li><strong>Ratele sunt deductibile fiscal<\/strong><br \/>\nSpre deosebire de rambursarea unui credit (unde doar dob\u00e2nda e deductibil\u0103), ratele de leasing intr\u0103 integral \u00een cheltuielile deductibile, un avantaj la calculul impozitului pe profit.<\/li>\n<li><strong>Activitatea continu\u0103 ne\u00eentrerupt<\/strong><br \/>\nNu trebuie s\u0103 te mu\u021bi sau s\u0103 opre\u0219ti produc\u021bia. Bunul r\u0103m\u00e2ne la tine \u0219i lucreaz\u0103 pentru tine exact ca \u00eenainte, \u00een timp ce capitalul eliberat lucreaz\u0103 \u00een alt\u0103 parte pentru business.<\/li>\n<li><strong>Control \u0219i predictibilitate pe termen lung<\/strong><br \/>\n\u0218tii exact care sunt costurile tale pe urm\u0103torii ani (\u00een cazul de fa\u021b\u0103, 84 de luni) f\u0103r\u0103 surprize de dob\u00e2nd\u0103 sau renegocieri. La finalul perioadei, bunul se \u00eentoarce \u00een patrimoniul t\u0103u.<\/li>\n<\/ol>\n<h2><strong>Ai o companie cu active imobilizate?<\/strong><\/h2>\n<p>\u00cenainte s\u0103 cau\u021bi un credit sau s\u0103 am\u00e2ni o oportunitate pentru c\u0103 nu ai lichiditate, merit\u0103 s\u0103 \u0219tii c\u0103 Sale and Leaseback este o alternativ\u0103 viabil\u0103.<\/p>\n<p>Dac\u0103 vrei s\u0103 \u0219tii rapid eligibilitatea firmei tale pentru o astfel de solu\u021bie sau pentru orice alt tip de leasing, am construit un instrument inteligent de verificare pentru tine. \u00cencarci balan\u021ba sau bilan\u021bul companiei, introduci datele de contact \u0219i sistemul \u00ee\u021bi spune aproape instant dac\u0103 e\u0219ti eligibil, f\u0103r\u0103 niciun cost ata\u0219at.<\/p>\n<p>Dureaz\u0103 c\u00e2teva minute \u0219i nu implic\u0103 niciun angajament \u2192 <strong><em><a href=\"\/blog\/\">Verific\u0103 eligibilitatea companiei tale<\/a><\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>O companie rom\u00e2neasc\u0103 de \u00eenchiriere \u0219i sub\u00eenchiriere auto, cu activitate \u00een Ilfov, de\u021bine o hal\u0103 de produc\u021bie evaluat\u0103 la 616.000 de euro Activul este real, solid, valoros, dar banii din el erau inaccesibili. \u00centre timp, pia\u021ba nu a\u0219teapt\u0103, iar business-ul are nevoie de \u201ecombustibil\u201d rapid pentru dezvoltare sau capital de lucru. Problema nu era c\u0103 firma ducea lips\u0103 de garan\u021bii.  [&#8230;]<\/p>\n","protected":false},"author":9,"featured_media":5108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-5110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sale and leaseback: \u201cgura de aer\u201d pentru lichiditate rapid\u0103, f\u0103r\u0103 s\u0103 pierzi controlul activelor - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Sale and Leaseback explicat simplu: vinzi activul, \u00eencasezi banii, continui s\u0103-l folose\u0219ti. 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