Ka\u017ed\u00fd podnikatel to zn\u00e1 \u2013 p\u0159ijde p\u0159\u00edle\u017eitost nebo ne\u010dekan\u00fd v\u00fddaj a vy nem\u00e1te po ruce hotovost. Faktura za dod\u00e1vku materi\u00e1lu je splatn\u00e1 te\u010f, odb\u011bratel zaplat\u00ed a\u017e za m\u011bs\u00edc. Nebo jste zachytili v\u00fdhodnou nab\u00eddku zbo\u017e\u00ed, ale konto moment\u00e1ln\u011b zeje pr\u00e1zdnotou. V takov\u00fdch chv\u00edl\u00edch si \u0159\u00edk\u00e1te, jestli existuje zp\u016fsob, jak situaci vy\u0159e\u0161it rychle a bez zdlouhav\u00e9ho pap\u00edrov\u00e1n\u00ed. A odpov\u011b\u010f je: ano, existuje.<\/p>\n\n\n\n
P\u016fj\u010dka na podnik\u00e1n\u00ed<\/a> je finan\u010dn\u00ed n\u00e1stroj ur\u010den\u00fd v\u00fdhradn\u011b pro lidi, kte\u0159\u00ed podnikaj\u00ed \u2013 tedy pro OSV\u010c, \u017eivnostn\u00edky a majitele firem. Nejde o spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd si bere zam\u011bstnanec na dovolenou nebo novou pra\u010dku. Jde o rychlou injekci likvidity do podnik\u00e1n\u00ed, kter\u00e1 pom\u016f\u017ee p\u0159eklenout obdob\u00ed, kdy p\u0159\u00edjmy a v\u00fddaje nesed\u00ed na\u010dasov\u00e1n\u00edm. C\u00edlovou skupinou jsou tedy ti, kdo vystavuj\u00ed faktury, \u0159e\u0161\u00ed zak\u00e1zky, nakupuj\u00ed zbo\u017e\u00ed nebo plat\u00ed subdodavatele \u2013 a \u010das od \u010dasu naraz\u00ed na propast mezi t\u00edm, co mus\u00ed zaplatit dnes, a t\u00edm, co dostanou zaplaceno z\u00edtra.<\/p>\n\n\n\n Ne ka\u017ed\u00fd v\u00fdpadek likvidity mus\u00ed hned znamenat existen\u010dn\u00ed krizi. N\u011bkdy jde jen o ot\u00e1zku na\u010dasov\u00e1n\u00ed. Typick\u00e1 situace: m\u00e1te potvrzenou zak\u00e1zku, materi\u00e1l je t\u0159eba nakoupit p\u0159edem a z\u00e1kazn\u00edk zaplat\u00ed a\u017e po dokon\u010den\u00ed. Nebo v\u00e1m odb\u011bratel posunul splatnost faktury, ale va\u0161e z\u00e1vazky \u010dekaj\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b je kr\u00e1tkodob\u00e1 p\u016fj\u010dka s dobou splatnosti sedm a\u017e t\u0159icet dn\u00ed doslova \u0161it\u00e1 na m\u00edru. P\u016fj\u010d\u00edte si p\u0159esn\u011b tolik, kolik pot\u0159ebujete \u2013 t\u0159eba dvacet tis\u00edc korun na n\u00e1kup materi\u00e1lu \u2013 a jakmile p\u0159ijde platba od z\u00e1kazn\u00edka, z\u00e1vazek bez probl\u00e9m\u016f uhrad\u00edte. \u017d\u00e1dn\u00e9 dlouhodob\u00e9 zadlu\u017een\u00ed, \u017e\u00e1dn\u00e9 roky spl\u00e1cen\u00ed.<\/p>\n\n\n\n Tady je odpov\u011b\u010f jednozna\u010dn\u00e1: nemus\u00ed. Klasick\u00e9 bankovn\u00ed \u00fav\u011bry pro podnikatele jsou spojen\u00e9 s rozs\u00e1hlou administrativou \u2013 da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, \u00fa\u010detn\u00ed v\u00fdkazy, podnikatelsk\u00fd pl\u00e1n, \u010dek\u00e1n\u00ed na schv\u00e1len\u00ed. To v\u0161echno d\u00e1v\u00e1 smysl u hypot\u00e9ky nebo investi\u010dn\u00edho \u00fav\u011bru na miliony korun. U kr\u00e1tkodob\u00e9 provozn\u00ed v\u00fdpomoci ve v\u00fd\u0161i p\u011bti a\u017e t\u0159iceti tis\u00edc korun je to ale zbyte\u010dn\u00e1 z\u00e1t\u011b\u017e. Modern\u00ed nebankovn\u00ed poskytovatel\u00e9 p\u0159istupuj\u00ed k v\u011bci jinak. P\u0159i \u017e\u00e1dosti sta\u010d\u00ed uv\u00e9st I\u010cO \u2013 \u017e\u00e1dn\u00e9 slo\u017eit\u00e9 dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, \u017e\u00e1dn\u00e9 prokazov\u00e1n\u00ed d\u00e9lky podnik\u00e1n\u00ed ani oborov\u00fdch specifik. Cel\u00fd proces prob\u00edh\u00e1 online a zabere jen n\u011bkolik minut. Pokud va\u0161e podnik\u00e1n\u00ed funguje a m\u00e1te p\u0159id\u011blen\u00e9 I\u010cO, m\u00e1te \u0161anci na rychl\u00e9 schv\u00e1len\u00ed bez byrokratick\u00e9 smy\u010dky.<\/p>\n\n\n\n Bezpe\u010dnost ka\u017ed\u00e9ho finan\u010dn\u00edho n\u00e1stroje z\u00e1vis\u00ed hlavn\u011b na tom, jak s n\u00edm zach\u00e1z\u00edte. Kr\u00e1tkodob\u00e1 p\u016fj\u010dka d\u00e1v\u00e1 smysl tehdy, kdy\u017e v\u00edte, odkud p\u0159ijdou pen\u00edze na jej\u00ed splacen\u00ed. Pokud m\u00e1te pohled\u00e1vku, kter\u00e1 se brzy prom\u011bn\u00ed v platbu, nebo pl\u00e1novan\u00fd p\u0159\u00edjem z dokon\u010den\u00e9 zak\u00e1zky, pak je v\u0161e v po\u0159\u00e1dku. Probl\u00e9m nastane tehdy, kdy\u017e si p\u016fj\u010dujete bez jasn\u00e9 p\u0159edstavy o spl\u00e1cen\u00ed \u2013 a to plat\u00ed pro jak\u00fdkoliv finan\u010dn\u00ed z\u00e1vazek, nejen pro kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Rozumn\u00fd p\u0159\u00edstup je jednoduch\u00fd: spo\u010d\u00edtejte si, co pot\u0159ebujete, kdy budete schopni vr\u00e1tit, a podle toho zvolte v\u00fd\u0161i a d\u00e9lku splatnosti. Limity od p\u011bti tis\u00edc do t\u0159iceti tis\u00edc korun a splatnosti v rozmez\u00ed sedmi a\u017e t\u0159iceti dn\u016f d\u00e1vaj\u00ed podnikatel\u016fm dostate\u010dnou flexibilitu, aby si vybrali p\u0159esn\u011b to, co pot\u0159ebuj\u00ed \u2013 nic v\u00edc, nic m\u00ed\u0148.<\/p>\n\n\n\n Pokud zva\u017eujete kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed sv\u00e9ho podnik\u00e1n\u00ed a chcete si cel\u00fd proces nejd\u0159\u00edve vyzkou\u0161et bez rizika, stoj\u00ed za to vyu\u017e\u00edt nab\u00eddku, kter\u00e1 na trhu nen\u00ed p\u0159\u00edli\u0161 b\u011b\u017en\u00e1. Platforma Open Factor nab\u00edz\u00ed prvn\u00ed p\u016fj\u010dku a\u017e do v\u00fd\u0161e deseti tis\u00edc korun na \u010dtrn\u00e1ct dn\u00ed zcela zdarma \u2013 tedy se stoprocentn\u00ed slevou na poplatek. Pro nov\u00e9ho klienta jde o ide\u00e1ln\u00ed zp\u016fsob, jak si ov\u011b\u0159it, jak rychl\u00e9 online financov\u00e1n\u00ed v praxi funguje, ani\u017e by platil cokoliv nav\u00edc. \u017d\u00e1dost prob\u00edh\u00e1 \u010dist\u011b online a pro jej\u00ed pod\u00e1n\u00ed sta\u010d\u00ed zn\u00e1t sv\u00e9 I\u010cO. Open Factor p\u0159itom ne\u0159e\u0161\u00ed, jak dlouho podnik\u00e1te ani v jak\u00e9m oboru p\u016fsob\u00edte \u2013 podm\u00ednky jsou nastaveny tak, aby pokryly co nej\u0161ir\u0161\u00ed skupinu OSV\u010c a podnikatel\u016f. Pokud tedy hled\u00e1te „podnikatelsk\u00e1 p\u016fj\u010dka<\/a>“ jako rychl\u00e9 a jednoduch\u00e9 \u0159e\u0161en\u00ed p\u0159echodn\u00e9ho v\u00fdpadku likvidity, tohle je m\u00edsto, kde m\u00e1 smysl za\u010d\u00edt.<\/p>\n","protected":false},"excerpt":{"rendered":" Ka\u017ed\u00fd podnikatel to zn\u00e1 \u2013 p\u0159ijde p\u0159\u00edle\u017eitost nebo ne\u010dekan\u00fd v\u00fddaj a vy nem\u00e1te po ruce hotovost. Faktura za dod\u00e1vku materi\u00e1lu je splatn\u00e1 te\u010f, odb\u011bratel zaplat\u00ed a\u017e za m\u011bs\u00edc. Nebo jste zachytili v\u00fdhodnou nab\u00eddku zbo\u017e\u00ed, ale konto moment\u00e1ln\u011b zeje pr\u00e1zdnotou. V takov\u00fdch chv\u00edl\u00edch si \u0159\u00edk\u00e1te, jestli existuje zp\u016fsob, jak situaci vy\u0159e\u0161it rychle a bez zdlouhav\u00e9ho pap\u00edrov\u00e1n\u00ed. […]<\/p>\n","protected":false},"author":1,"featured_media":1727,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[36],"tags":[],"class_list":["post-1726","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/posts\/1726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1726"}],"version-history":[{"count":0,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/posts\/1726\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=\/wp\/v2\/media\/1727"}],"wp:attachment":[{"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/promo-clanky.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Kdy m\u00e1 smysl s\u00e1hnout po kr\u00e1tkodob\u00e9 p\u016fj\u010dce?<\/strong><\/h2>\n\n\n\n
Mus\u00ed b\u00fdt \u017e\u00e1dost o p\u016fj\u010dku slo\u017eit\u00fd koloto\u010d?<\/strong><\/h2>\n\n\n\n
Je kr\u00e1tkodob\u00e1 p\u016fj\u010dka pro podnikatele bezpe\u010dn\u00e1 volba?<\/strong><\/h2>\n\n\n\n
Jak za\u010d\u00edt a kde z\u00edskat prvn\u00ed p\u016fj\u010dku v\u00fdhodn\u011b?<\/strong><\/h2>\n\n\n\n