[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-podnikani\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-podnikani\/","headline":"P\u016fj\u010dka a \u00fav\u011br na podnik\u00e1n\u00ed","name":"P\u016fj\u010dka a \u00fav\u011br na podnik\u00e1n\u00ed","description":"Mnoho za\u010d\u00ednaj\u00edc\u00edch podnikatel\u016f m\u00e1 probl\u00e9m z\u00edskat p\u016fj\u010dku v&nbsp;bance. Z&nbsp;jak\u00e9ho d\u016fvodu? Zejm\u00e9na proto, \u017ee je\u0161t\u011b nem\u00e1te \u017e\u00e1dn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed a \u017e\u00e1dn\u00e9 prokazateln\u00e9 p\u0159\u00edjmy a v\u00fddaje. Za\u010d\u00ednaj\u00edc\u00ed firmy jsou z&nbsp;tohoto d\u016fvodu rizikov\u00e9 a p\u016fj\u010dit jim znamen\u00e1 pro banku krok do nezn\u00e1ma a moc dob\u0159e v\u0161ichni v\u00edme, \u017ee banky takov\u00e9to kroky nepodnikaj\u00ed. P\u016fj\u010dka na podnik\u00e1n\u00ed je v\u0161ak n\u011bco, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-na-podnikani\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br na podnik\u00e1n\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-24","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}},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-podnikani\/","about":["P\u016fj\u010dky"],"wordCount":589,"articleBody":"Mnoho za\u010d\u00ednaj\u00edc\u00edch podnikatel\u016f m\u00e1 probl\u00e9m z\u00edskat p\u016fj\u010dku v&nbsp;bance. Z&nbsp;jak\u00e9ho d\u016fvodu? Zejm\u00e9na proto, \u017ee je\u0161t\u011b nem\u00e1te \u017e\u00e1dn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed a \u017e\u00e1dn\u00e9 prokazateln\u00e9 p\u0159\u00edjmy a v\u00fddaje. Za\u010d\u00ednaj\u00edc\u00ed firmy jsou z&nbsp;tohoto d\u016fvodu rizikov\u00e9 a p\u016fj\u010dit jim znamen\u00e1 pro banku krok do nezn\u00e1ma a moc dob\u0159e v\u0161ichni v\u00edme, \u017ee banky takov\u00e9to kroky nepodnikaj\u00ed. P\u016fj\u010dka na podnik\u00e1n\u00ed je v\u0161ak n\u011bco, co se takt\u00e9\u017e za posledn\u00ed roky zm\u011bnilo, tak\u017ee v&nbsp;dne\u0161n\u00ed dob\u011b u\u017e i u bank m\u016f\u017eete nal\u00e9zt p\u016fj\u010dky tohoto typu. Dal\u0161\u00ed z&nbsp;mo\u017enost\u00ed, jak z\u00edskat \u00fav\u011br na podnik\u00e1n\u00ed je nebankovn\u00ed spole\u010dnost, kter\u00e1 p\u016fj\u010duje finance i za\u010d\u00ednaj\u00edc\u00edm podnikatel\u016fm. Bu\u010fto formou ne\u00fa\u010delov\u00e9ho nebo \u00fa\u010delov\u00e9ho \u00fav\u011bru.Chcete si tak\u00e9 splnit sen a za\u010d\u00edt podnikat? M\u00e1te u\u017e rozjet\u00fd podnikatelsk\u00fd pl\u00e1n a \u010dek\u00e1te, a\u017e z\u00edsk\u00e1te p\u016fj\u010dku, abyste to mohli rozjet? Bez p\u016fj\u010dky se v\u011bt\u0161ina za\u010d\u00ednaj\u00edc\u00edch podnikatel\u016f bohu\u017eel neobejde, proto\u017ee n\u00e1klady na provoz za\u010d\u00ednaj\u00edc\u00ed firmy jsou vysok\u00e9.\tVy\u0161\u0161\u00ed i ni\u017e\u0161\u00ed podnikatelsk\u00e9 p\u016fj\u010dkyPodnikatelsk\u00e9 p\u016fj\u010dky poskytuj\u00ed jak banky, tak i nebankovn\u00ed spole\u010dnosti. Nevztahuje se na n\u011b \u017e\u00e1dn\u00e9 opat\u0159en\u00ed a nespadaj\u00ed ani pod licenci \u010cNB, proto m\u016f\u017eete narazit na r\u016fzn\u00e9 druhy \u00fav\u011br\u016f. Nejlep\u0161\u00ed je porovnat si jejich podm\u00ednky, p\u0159esn\u011b pak vid\u00edte, co m\u016f\u017eete nejlep\u0161\u00edho z\u00edskat, a naopak co je pro V\u00e1s nev\u00fdhodn\u00e9. P\u016fj\u010dit si m\u016f\u017eete n\u011bkolik des\u00edtek i stovek tis\u00edc a\u017e po miliony. Ru\u010den\u00ed nen\u00ed v\u017edy vy\u017eadov\u00e1no, tak\u017ee bu\u010fto m\u016f\u017eete ru\u010dit (v\u011bt\u0161inou v&nbsp;p\u0159\u00edpad\u011b vysok\u00fdch \u010d\u00e1stek \u00fav\u011bru) nebo nemus\u00edte (v p\u0159\u00edpad\u011b ni\u017e\u0161\u00edch \u010d\u00e1stek \u00fav\u011bru). Jestli\u017ee za\u010d\u00edn\u00e1te podnikat, budou po V\u00e1s z\u0159ejm\u011b vy\u017eadovat podnikatelsk\u00fd z\u00e1m\u011br neboli pl\u00e1n podnik\u00e1n\u00ed. Doba splatnosti se pohybuje r\u016fznou dobu, podle toho, kolik si pot\u0159ebujete vyp\u016fj\u010dit a kolik m\u016f\u017eete spl\u00e1cet, ta se d\u00e1 libovoln\u011b nastavit. Pen\u00edze se pou\u017e\u00edvaj\u00ed v&nbsp;podnik\u00e1n\u00ed nebo ve firm\u011b. Tak\u017ee v&nbsp;p\u0159\u00edpad\u011b za\u010d\u00ednaj\u00edc\u00edho podnik\u00e1n\u00ed hrad\u00edte n\u00e1kup surovin, materi\u00e1lu, vybaven\u00ed provozu, obchodu, firmy, stroje, za\u0159\u00edzen\u00ed, skladov\u00e9 z\u00e1soby, ale i energie, investice, v\u00fdplaty, poplatky, faktury, slo\u017eenky, zkr\u00e1tka a dob\u0159e cokoliv, co souvis\u00ed s&nbsp;podnik\u00e1n\u00edm. Men\u0161\u00ed \u010d\u00e1stky nebankovn\u00ed spole\u010dnosti poskytuj\u00ed i bez vy\u017eadov\u00e1n\u00ed podklad\u016f. P\u016fj\u010dku lze sjednat po internetu a pen\u00edze se vypl\u00e1c\u00ed t\u0159eba na \u00fa\u010det nebo v&nbsp;hotovosti. Pokud zvol\u00edte vyplacen\u00ed na \u00fa\u010det, pen\u00edze m\u016f\u017eete m\u00edt je\u0161t\u011b ten sam\u00fd den nebo do druh\u00e9ho dne. V\u011bt\u0161inou cel\u00e9 vy\u0159\u00edzen\u00ed netrv\u00e1 m\u011bs\u00edce ani t\u00fddny, ale nap\u0159\u00edklad den nebo i pouhou hodinu. V&nbsp;p\u0159\u00edpad\u011b podnikatelsk\u00e9ho \u00fav\u011bru nej\u010dast\u011bji klienti vol\u00ed banku, ta m\u00e1 ale pro n\u011bkter\u00e9 z&nbsp;nich p\u0159\u00edsn\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, a tak se n\u00e1sledn\u011b obrac\u00ed na nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed takt\u00e9\u017e pro klienty zaj\u00edmav\u00e9 podm\u00ednky \u00fav\u011br\u016f.                                                                                                                                                                                                                                                                                                                                                                                                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