[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivbp.cz\/bez-penez-se-nepodnika\/#Article","mainEntityOfPage":"https:\/\/www.ivbp.cz\/bez-penez-se-nepodnika\/","headline":"Bez pen\u011bz se nepodnik\u00e1","name":"Bez pen\u011bz se nepodnik\u00e1","description":"I lid\u00e9, kte\u0159\u00ed jsou k podnik\u00e1n\u00ed snad p\u0159\u00edmo p\u0159edur\u010den\u00ed, se mohou p\u0159i takov\u00e9 \u010dinnosti n\u011bkdy dost\u00e1vat do ekonomick\u00fdch probl\u00e9m\u016f. I ti, kdo p\u0159i podnik\u00e1n\u00ed ani v nejmen\u0161\u00edm nechybuj\u00ed, mohou m\u00edt pot\u00ed\u017ee zavin\u011bn\u00e9 klidn\u011b i jen n\u011b\u010d\u00edm, co na nich samotn\u00fdch nez\u00e1vis\u00ed, t\u0159eba z\u00e1kazn\u00edky, st\u00e1tem, sez\u00f3nn\u00edmi v\u00fdkyvy a podobn\u011b. Nikdo z podnikatel\u016f tedy nen\u00ed u\u0161et\u0159en rizika, &hellip; <a href=\"https:\/\/www.ivbp.cz\/bez-penez-se-nepodnika\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Bez pen\u011bz se nepodnik\u00e1<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a>","datePublished":"2026-05-22","dateModified":"2026-05-22","author":{"@type":"Person","@id":"https:\/\/www.ivbp.cz\/author\/#Person","name":"ivbp.cz\n","url":"https:\/\/www.ivbp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivbp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_8.jpg","url":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_8.jpg","height":0,"width":0},"url":"https:\/\/www.ivbp.cz\/bez-penez-se-nepodnika\/","about":["Zbo\u017e\u00ed"],"wordCount":409,"articleBody":"      I lid\u00e9, kte\u0159\u00ed jsou k podnik\u00e1n\u00ed snad p\u0159\u00edmo p\u0159edur\u010den\u00ed, se mohou p\u0159i takov\u00e9 \u010dinnosti n\u011bkdy dost\u00e1vat do ekonomick\u00fdch probl\u00e9m\u016f. I ti, kdo p\u0159i podnik\u00e1n\u00ed ani v nejmen\u0161\u00edm nechybuj\u00ed, mohou m\u00edt pot\u00ed\u017ee zavin\u011bn\u00e9 klidn\u011b i jen n\u011b\u010d\u00edm, co na nich samotn\u00fdch nez\u00e1vis\u00ed, t\u0159eba z\u00e1kazn\u00edky, st\u00e1tem, sez\u00f3nn\u00edmi v\u00fdkyvy a podobn\u011b.Nikdo z podnikatel\u016f tedy nen\u00ed u\u0161et\u0159en rizika, \u017ee se mu n\u011bkdy nepoda\u0159\u00ed vyd\u011blat dost pen\u011bz. A kdy\u017e k tomu dojde, je t\u0159eba n\u011bjak za\u0159\u00eddit, aby takov\u00e9mu \u010dlov\u011bku a jeho firm\u011b pen\u00edze p\u0159esto nechyb\u011bly. A jak se to za\u0159izuje? Jak se sh\u00e1n\u011bj\u00ed pen\u00edze pro firmy, pokud je t\u011bch vlastn\u00edch nedostatek?N\u011bkdy se to d\u00e1 zvl\u00e1dnout jenom t\u00edm, \u017ee se n\u011bkde po\u017e\u00e1d\u00e1 o p\u016fj\u010dku. A \u017ee se \u017e\u00e1douc\u00ed p\u016fj\u010dka tak\u00e9 z\u00edsk\u00e1. Jen\u017ee co je tu teoreticky snadn\u00e9, to u\u017e nemus\u00ed b\u00fdt v praxi ani trochu jednoduch\u00e9. A to, o \u010dem si podnikatel\u00e9 mysl\u00ed, \u017ee to jist\u011b vyjde, jim nakonec vyj\u00edt nemus\u00ed.Ka\u017ed\u00fd t\u0159eba v\u00ed, \u017ee si m\u016f\u017ee vz\u00edt jenom p\u016fj\u010dku, kter\u00e1 je dost v\u00fdhodn\u00e1. Kter\u00e9 m\u00e1 takov\u00e9 \u00faro\u010den\u00ed a tak nastaven\u00e9 spl\u00e1tky, \u017ee se zvl\u00e1dne takto vznikl\u00fd dluh bez pot\u00ed\u017e\u00ed vyrovnat. Ale kdekdo bohu\u017eel za\u017eije i situaci, kdy pr\u00e1v\u011b takovou p\u016fj\u010dku nese\u017eene. Proto\u017ee mu ji \u017e\u00e1dn\u00fd finan\u010dn\u00ed \u00fastav nechce poskytnout.A proto\u017ee se majitel\u00e9 firem nemohou upsat lichv\u00e1\u0159\u016fm, kte\u0159\u00ed by je zruinovali p\u016fj\u010dkami sice snadno dostupn\u00fdmi, ale hodn\u011b drah\u00fdmi a rizikov\u00fdmi, je t\u0159eba hledat a hledat, dokud se p\u0159ece jenom n\u011bjak\u00e1 ta dostupn\u00e1 v\u00fdhodn\u00e1 p\u016fj\u010dka nese\u017eene. A nakonec se se\u017eene. Majitel\u00e9 nemovitost\u00ed si mohou p\u0159ece vz\u00edt i nebankovn\u00ed hypot\u00e9ku, za kterou budou ru\u010dit nemovitost\u00ed a dostanou ji ur\u010dit\u011b rychle i v\u00fdhodn\u011b. Sta\u010d\u00ed, kdy\u017e zjist\u00ed, kde se takov\u00e1 p\u016fj\u010dka poskytuje, a maj\u00ed vyhr\u00e1no. Kdy\u017e se rozhodne podnikatel pro vyu\u017eit\u00ed nebankovn\u00ed hypot\u00e9ky bez registru Americk\u00e1 nebankovn\u00ed hypot\u00e9ka, m\u016f\u017ee po\u010d\u00edtat s t\u00edm, \u017ee ji dostane prakticky jist\u011b a v\u00fdhodn\u011b. A samoz\u0159ejm\u011b i rychle, co\u017e je rovn\u011b\u017e d\u016fle\u017eit\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez pen\u011bz se nepodnik\u00e1","item":"https:\/\/www.ivbp.cz\/bez-penez-se-nepodnika\/#breadcrumbitem"}]}]