{"id":2813,"date":"2026-07-19T18:43:05","date_gmt":"2026-07-19T16:43:05","guid":{"rendered":"https:\/\/ez.cz\/?p=2813"},"modified":"2026-07-19T18:43:06","modified_gmt":"2026-07-19T16:43:06","slug":"pujcka-na-podnikani","status":"publish","type":"post","link":"https:\/\/www.ez.cz\/?p=2813","title":{"rendered":"P\u016fj\u010dka na podnik\u00e1n\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.podnikacek.cz\/podnikatelska-pujcka\">P\u016fj\u010dka na podnik\u00e1n\u00ed<\/a>: kdy se vyplat\u00ed a jak ji rychle z\u00edskat<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podnik\u00e1n\u00ed je o rozhodov\u00e1n\u00ed. A n\u011bkter\u00e1 rozhodnut\u00ed mus\u00edte ud\u011blat rychle \u2013 d\u0159\u00edv, ne\u017e p\u0159\u00edle\u017eitost zmiz\u00ed nebo ne\u017e v\u00e1m dluhy za\u010dnou nar\u016fstat \u00faroky. Jen\u017ee co d\u011blat, kdy\u017e v\u00e1m banka \u0159ekne, \u017ee \u017e\u00e1dost vy\u0159\u00edd\u00ed za t\u0159i t\u00fddny, a vy pen\u00edze pot\u0159ebujete do p\u00e1tku? P\u0159esn\u011b v takov\u00fdch chv\u00edl\u00edch se ukazuje, \u017ee klasick\u00e9 financov\u00e1n\u00ed nesta\u010d\u00ed. P\u016fj\u010dka na podnik\u00e1n\u00ed od nebankovn\u00edho poskytovatele pak m\u016f\u017ee b\u00fdt to jedin\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 d\u00e1v\u00e1 smysl.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kdy podnikatele zasko\u010d\u00ed nedostatek hotovosti?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jako \u017eivnostn\u00edk jsem si myslel, \u017ee cash flow zvl\u00e1d\u00e1m. Pak p\u0159i\u0161la situace, kdy mi odb\u011bratel zaplatil fakturu o t\u0159i t\u00fddny pozd\u011bji, ne\u017e jsme se domluvili, a j\u00e1 mezit\u00edm musel uhradit dodavateli materi\u00e1l. Najednou jsem st\u00e1l p\u0159ed volbou: vz\u00edt si kr\u00e1tkodob\u00fd \u00fav\u011br, nebo ztratit zak\u00e1zku. A podobn\u00e9 situace za\u017e\u00edvaj\u00ed tis\u00edce podnikatel\u016f ka\u017ed\u00fd m\u011bs\u00edc. Sez\u00f3nn\u00ed v\u00fdpadek p\u0159\u00edjm\u016f, nutnost p\u0159edz\u00e1sobit se p\u0159ed velk\u00fdmi zak\u00e1zkami, ne\u010dekan\u00e1 oprava kl\u00ed\u010dov\u00e9ho vybaven\u00ed, nebo prost\u011b jen mezera mezi vydan\u00fdmi a p\u0159ijat\u00fdmi fakturami. Nejde o krizi, jde o p\u0159irozenou sou\u010d\u00e1st podnik\u00e1n\u00ed. Probl\u00e9m nastane ve chv\u00edli, kdy na takov\u00e9 v\u00fdkyvy nejste finan\u010dn\u011b p\u0159ipraveni.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak funguje rychl\u00e1 nebankovn\u00ed p\u016fj\u010dka pro OSV\u010c?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nebankovn\u00ed p\u016fj\u010dky pro podnikatele funguj\u00ed na zcela jin\u00e9m principu ne\u017e bankovn\u00ed \u00fav\u011bry. Nevy\u017eaduj\u00ed rozs\u00e1hl\u00e9 dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, podnikatelsk\u00e9 pl\u00e1ny ani des\u00edtky let ov\u011b\u0159enou historii firmy. U modern\u00edch online poskytovatel\u016f sta\u010d\u00ed k \u017e\u00e1dosti I\u010cO \u2013 a syst\u00e9m si pot\u0159ebn\u00e9 informace ov\u011b\u0159\u00ed s\u00e1m. Cel\u00fd proces prob\u00edh\u00e1 online, bez nutnosti nav\u0161t\u011bvovat pobo\u010dku nebo sh\u00e1n\u011bt potvrzen\u00ed od \u00fa\u010detn\u00ed. Splatnost se pohybuje zpravidla od 7 do 30 dn\u00ed, tedy jde o skute\u010dn\u011b kr\u00e1tkodob\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 je ur\u010den\u00e9 na p\u0159eklenut\u00ed konkr\u00e9tn\u00edho v\u00fdpadku, nikoli na dlouhodob\u00e9 financov\u00e1n\u00ed provozu. Takov\u00fd p\u0159\u00edstup ocen\u00ed zejm\u00e9na \u017eivnostn\u00edci a mal\u00ed podnikatel\u00e9, kte\u0159\u00ed nemaj\u00ed \u010das ani kapacitu na slo\u017eitou administrativu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Je kr\u00e1tkodob\u00fd \u00fav\u011br vhodn\u00fd i pro nov\u00e9 podnikatele?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b tady se nebankovn\u00ed sektor li\u0161\u00ed od bank nejv\u00fdrazn\u011bji. Banky zpravidla cht\u011bj\u00ed vid\u011bt minim\u00e1ln\u011b rok nebo dva podnik\u00e1n\u00ed, v\u00fdpisy z \u00fa\u010dtu a da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed. Pro za\u010d\u00ednaj\u00edc\u00edho \u017eivnostn\u00edka to m\u016f\u017ee b\u00fdt nep\u0159ekonateln\u00e1 bari\u00e9ra. Nebankovn\u00ed poskytovatel\u00e9 d\u00e9lku podnik\u00e1n\u00ed ani konkr\u00e9tn\u00ed obor ne\u0159e\u0161\u00ed. Nez\u00e1le\u017e\u00ed tedy na tom, jestli jste truhl\u00e1\u0159, grafik, \u0159idi\u010d kamionu nebo provozujete mal\u00fd e-shop. Pokud m\u00e1te I\u010cO, m\u00e1te \u0161anci. P\u016fj\u010dit si p\u0159itom lze od 5 000 K\u010d do 30 000 K\u010d, co\u017e je \u010d\u00e1stka, kter\u00e1 pokryje v\u011bt\u0161inu b\u011b\u017en\u00fdch kr\u00e1tkodob\u00fdch pot\u0159eb \u2013 od n\u00e1kupu materi\u00e1lu p\u0159es dopln\u011bn\u00ed z\u00e1sob a\u017e po urgentn\u00ed opravu pracovn\u00edho n\u00e1stroje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak se vyhnout probl\u00e9m\u016fm p\u0159i spl\u00e1cen\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kr\u00e1tkodob\u00e1 p\u016fj\u010dka m\u00e1 svou logiku jen tehdy, kdy\u017e p\u0159esn\u011b v\u00edte, kdy a z \u010deho ji splat\u00edte. P\u0159ed podpisem smlouvy si v\u017edy ov\u011b\u0159te, zda v dan\u00e9 lh\u016ft\u011b \u2013 tedy do 7 a\u017e 30 dn\u00ed \u2013 skute\u010dn\u011b o\u010dek\u00e1v\u00e1te p\u0159\u00edjem, ze kter\u00e9ho \u00fav\u011br pokryjete. Pokud \u010dek\u00e1te na platbu od klienta, ide\u00e1ln\u011b si zjist\u011bte, jestli je term\u00edn realistick\u00fd. Kr\u00e1tkodob\u00e9 p\u016fj\u010dky nejsou ur\u010deny k tomu, aby je lid\u00e9 p\u0159ekl\u00e1p\u011bli do dal\u0161\u00edch p\u016fj\u010dek \u2013 to by bylo drah\u00e9 a kontraproduktivn\u00ed. Jejich s\u00edla tkv\u00ed v precizn\u00edm na\u010dasov\u00e1n\u00ed: vz\u00edt si pen\u00edze p\u0159esn\u011b tehdy, kdy je nutn\u011b pot\u0159ebujete, a vr\u00e1tit je hned, jak p\u0159\u00edjem doraz\u00ed. Pak cel\u00fd mechanismus funguje efektivn\u011b a bez zbyte\u010dn\u00fdch n\u00e1klad\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kde naj\u00edt spolehliv\u00e9ho poskytovatele rychl\u00e9 p\u016fj\u010dky pro podnikatele?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na trhu existuje cel\u00e1 \u0159ada nebankovn\u00edch poskytovatel\u016f, ale ne v\u0161ichni nab\u00edzej\u00ed stejn\u00e9 podm\u00ednky a ne v\u0161ichni jsou skute\u010dn\u011b zam\u011b\u0159eni v\u00fdhradn\u011b na podnikatele a \u017eivnostn\u00edky. Pokud hled\u00e1te slu\u017ebu, kter\u00e1 rozum\u00ed specifik\u016fm OSV\u010c, vyplat\u00ed se zvolit poskytovatele s jasn\u011b definovan\u00fdmi podm\u00ednkami a p\u0159ehledn\u00fdm online procesem. Jednou z takov\u00fdch mo\u017enost\u00ed je Podnik\u00e1\u010dek \u2013 slu\u017eba zam\u011b\u0159en\u00e1 v\u00fdhradn\u011b na OSV\u010c a podnikatele v \u010cesku, kde cel\u00e1 \u017e\u00e1dost prob\u00edh\u00e1 online a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed. Pokud hled\u00e1te <a href=\"https:\/\/www.podnikacek.cz\/podnikatelska-pujcka\">podnikatelsk\u00e1 p\u016fj\u010dka<\/a> ve smyslu rychl\u00e9ho, p\u0159ehledn\u00e9ho a dostupn\u00e9ho \u0159e\u0161en\u00ed na p\u0159eklenovac\u00ed financov\u00e1n\u00ed, pr\u00e1v\u011b tady najdete podm\u00ednky nastaven\u00e9 p\u0159\u00edmo pro v\u00e1\u0161 segment. Sta\u010d\u00ed I\u010cO, jasn\u00e9 podm\u00ednky a rozhodnut\u00ed m\u00e1te v ruce vy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u016fj\u010dka na podnik\u00e1n\u00ed: kdy se vyplat\u00ed a jak ji rychle z\u00edskat Podnik\u00e1n\u00ed je o rozhodov\u00e1n\u00ed. A n\u011bkter\u00e1 rozhodnut\u00ed mus\u00edte ud\u011blat rychle \u2013 d\u0159\u00edv, ne\u017e p\u0159\u00edle\u017eitost zmiz\u00ed nebo ne\u017e v\u00e1m dluhy za\u010dnou nar\u016fstat \u00faroky. Jen\u017ee co d\u011blat, kdy\u017e v\u00e1m banka \u0159ekne, \u017ee \u017e\u00e1dost vy\u0159\u00edd\u00ed za t\u0159i t\u00fddny, a vy pen\u00edze pot\u0159ebujete do p\u00e1tku? P\u0159esn\u011b v takov\u00fdch [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2814,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-2813","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2813"}],"version-history":[{"count":1,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2813\/revisions"}],"predecessor-version":[{"id":2815,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2813\/revisions\/2815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/media\/2814"}],"wp:attachment":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}