[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/podnikatelske-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/podnikatelske-pujcky\/","headline":"Podnikatelsk\u00e9 p\u016fj\u010dky","name":"Podnikatelsk\u00e9 p\u016fj\u010dky","description":"Existuj\u00ed kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9 \u00fav\u011bry pro podnikatele. 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kr\u00e1tkodob\u00fd podnikatelsk\u00fd \u00fav\u011br m\u00e1 splatnost do 1 roku. V\u011bt\u0161inou slou\u017e\u00ed k \u00fahrad\u011b men\u0161\u00edch finan\u010dn\u00edch probl\u00e9m\u016f, do kter\u00fdch se podnikatel\u00e9 mohou dostat, pokud po nich \u017e\u00e1d\u00e1 dodavatel pen\u00edze za dodan\u00fd materi\u00e1l. Majitel podniku ale v danou chv\u00edli nem\u00e1 na zaplacen\u00ed faktury od dodavatele, jeliko\u017e mu odb\u011bratel zat\u00edm &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/podnikatelske-pujcky\/\"> <span class=\"screen-reader-text\">Podnikatelsk\u00e9 p\u016fj\u010dky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-04","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311071_w1998_t1522006331.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311071_w1998_t1522006331.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/podnikatelske-pujcky\/","about":["P\u016fj\u010dky"],"wordCount":441,"articleBody":"Existuj\u00ed kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9 \u00fav\u011bry pro podnikatele.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kr\u00e1tkodob\u00fd podnikatelsk\u00fd \u00fav\u011br m\u00e1 splatnost do 1 roku. V\u011bt\u0161inou slou\u017e\u00ed k \u00fahrad\u011b men\u0161\u00edch finan\u010dn\u00edch probl\u00e9m\u016f, do kter\u00fdch se podnikatel\u00e9 mohou dostat, pokud po nich \u017e\u00e1d\u00e1 dodavatel pen\u00edze za dodan\u00fd materi\u00e1l. Majitel podniku ale v danou chv\u00edli nem\u00e1 na zaplacen\u00ed faktury od dodavatele, jeliko\u017e mu odb\u011bratel zat\u00edm nezaplatil za prodan\u00e9 zbo\u017e\u00ed nebo slu\u017eby. Tento probl\u00e9m \u0159e\u0161\u00ed podnikatel\u00e9 nej\u010dast\u011bji, a pr\u00e1v\u011b proto si berou kr\u00e1tkodob\u00e9 \u00fav\u011bry.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Splatnost st\u0159edn\u011bdob\u00e9ho \u00fav\u011bru je od 1 roku do 4 let. Nej\u010dast\u011bji si vyu\u017e\u00edv\u00e1 p\u0159i koupi investi\u010dn\u00edho majetku. Podm\u00ednky pro p\u0159ips\u00e1n\u00ed \u00fav\u011bru podnikateli se pak li\u0161\u00ed podle typu podnik\u00e1n\u00ed klienta. U t\u00e9to p\u016fj\u010dky tak\u00e9 z\u00e1vis\u00ed na konkr\u00e9tn\u00ed investici.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pokud se podnikatel uchyluje k rozs\u00e1hlej\u0161\u00ed a z\u00e1vazn\u011bj\u0161\u00ed investici, je vhodn\u00e9 zvolit dlouhodob\u00fd \u00fav\u011br. Ten se poskytuje obvykle na dobu del\u0161\u00ed ne\u017e 4 roky.Banky si pochopiteln\u011b stanovuj\u00ed podm\u00ednky, za kter\u00fdch \u00fav\u011br podnikateli poskytnou. Klient mus\u00ed m\u00edt ukon\u010den\u00e1 alespo\u0148 dv\u011b \u00fa\u010detn\u00ed obdob\u00ed. Tak\u00e9 mus\u00ed \u017eadatel vykazovat kladn\u00fd hospod\u00e1\u0159sk\u00fd v\u00fdsledek a s\u00eddlo jeho firmy mus\u00ed b\u00fdt na \u00fazem\u00ed \u010cesk\u00e9 republiky a b\u00fdt jej\u00edm ob\u010danem. \u00dav\u011br nebude podnikateli p\u0159ips\u00e1n, pokud je jeho firma v likvidaci \u010di v konkurzu. Jako p\u0159ek\u00e1\u017eku pro poskytnut\u00ed p\u016fj\u010dky vn\u00edmaj\u00ed banky tak\u00e9 nespln\u011bn\u00e9 z\u00e1vazky v\u016f\u010di spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed, zdravotn\u00ed poji\u0161\u0165ovn\u011b nebo finan\u010dn\u00edmu \u00fa\u0159adu.Banky v dne\u0161n\u00ed dob\u011b ale pom\u011brn\u011b dost riskuj\u00ed. Nab\u00edz\u00ed \u00fav\u011bry pro za\u010d\u00ednaj\u00edc\u00ed podnikatele. Tito podnikatel\u00e9 ale nemaj\u00ed p\u0159i startu sv\u00e9ho podnik\u00e1n\u00ed p\u0159\u00edli\u0161 finan\u010dn\u00edch prost\u0159edk\u016f ani majetku, a tak nemaj\u00ed \u010d\u00edm ru\u010dit. To ale bank\u00e1m nevad\u00ed a nab\u00edz\u00ed podnikatelsk\u00e9 p\u016fj\u010dky bez ru\u010den\u00ed. Nov\u00e1\u010dk\u016fm tak n\u011bkter\u00e9 bankovn\u00ed instituce p\u016fj\u010d\u00ed \u010d\u00e1stku ve v\u00fd\u0161i i n\u011bkolika milion\u016f. Banky si tedy nem\u016f\u017eou b\u00fdt jisty, \u017ee takov\u00e9mu nov\u00e1\u010dkovi budou jeho investice vyn\u00e1\u0161et a on bude m\u00edt mo\u017enost z\u00e1vazky v\u016f\u010di bankovn\u00ed instituci vy\u0159e\u0161it a \u00fav\u011br splatit.Podnikatel by si m\u011bl ka\u017edou p\u016fj\u010dku dop\u0159edu promyslet a projednat ji se sv\u00fdmi spole\u010dn\u00edky \u010di s finan\u010dn\u00edmi poradci.                                                                                                                                                                                                                                                                                                                                                                                                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