[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.patala.cz\/co-kdyz-je-penez-malo\/#Article","mainEntityOfPage":"https:\/\/www.patala.cz\/co-kdyz-je-penez-malo\/","headline":"Co kdy\u017e je pen\u011bz m\u00e1lo?","name":"Co kdy\u017e je pen\u011bz m\u00e1lo?","description":"Kdy\u017e se u n\u00e1s za\u010dalo po dev\u011btaosmdes\u00e1t\u00e9m roce zase soukrom\u011b podnikat, nabyla spousta lid\u00ed p\u0159esv\u011bd\u010den\u00ed, \u017ee jsou oni soukrom\u00ed majitel\u00e9 firem docela oby\u010dejn\u00ed \u0161izu\u0148kov\u00e9. A v mysl\u00edch n\u011bkter\u00fdch z n\u00e1s p\u0159etrval tento n\u00e1zor a\u017e dodnes. Spoust\u011b lid\u00ed se nel\u00edbilo, jak se soukromn\u00edci jenom \u017eenou za pen\u011bzi a po\u017eaduj\u00ed platby ve v\u00fd\u0161i, na kterou jsme p\u0159edt\u00edm […]","datePublished":"2025-12-13","dateModified":"2025-12-13","author":{"@type":"Person","@id":"https:\/\/www.patala.cz\/author\/#Person","name":"","url":"https:\/\/www.patala.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"patala.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.patala.cz\/wp-content\/uploads\/ppppppppppppppppppppppppp_10_10_10_10_1.jpg","url":"https:\/\/www.patala.cz\/wp-content\/uploads\/ppppppppppppppppppppppppp_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.patala.cz\/co-kdyz-je-penez-malo\/","about":["Finance"],"wordCount":421,"articleBody":"      Kdy\u017e se u n\u00e1s za\u010dalo po dev\u011btaosmdes\u00e1t\u00e9m roce zase soukrom\u011b podnikat, nabyla spousta lid\u00ed p\u0159esv\u011bd\u010den\u00ed, \u017ee jsou oni soukrom\u00ed majitel\u00e9 firem docela oby\u010dejn\u00ed \u0161izu\u0148kov\u00e9. A v mysl\u00edch n\u011bkter\u00fdch z n\u00e1s p\u0159etrval tento n\u00e1zor a\u017e dodnes. Spoust\u011b lid\u00ed se nel\u00edbilo, jak se soukromn\u00edci jenom \u017eenou za pen\u011bzi a po\u017eaduj\u00ed platby ve v\u00fd\u0161i, na kterou jsme p\u0159edt\u00edm nebyli zvykl\u00ed. A v n\u011bkter\u00fdch p\u0159\u00edpadech bylo a t\u0159eba dodnes je pot\u0159eba d\u00e1t t\u011bmto lidem za pravdu. Proto\u017ee i takov\u00ed n\u011bkte\u0159\u00ed soukrom\u00ed podnikatel\u00e9 jsou. Ale rozhodn\u011b neplat\u00ed, \u017ee jsou nab\u00eddky firem drah\u00e9 proto, \u017ee cht\u011bj\u00ed jejich majitel\u00e9 rychle a poh\u00e1dkov\u011b zbohatnout. N\u011bkdy i hodn\u011b vysok\u00e9 ceny jsou toti\u017e po\u017eadov\u00e1ny proto, \u017ee si na sebe firmy mus\u00ed vyd\u011blat. I jejich provoz n\u011bco stoj\u00ed a \u017e\u00e1dn\u00e1 firma nem\u016f\u017ee fungovat na dluh. Ka\u017ed\u00e1 si na sebe mus\u00ed zvl\u00e1dnout vyd\u011blat.Tak\u017ee podnikatel\u00e9 kalkuluj\u00ed sv\u00e9 ceny tak, aby zvl\u00e1dli krom\u011b vyd\u011bl\u00e1v\u00e1n\u00ed si na sebe samotn\u00e9 i sehn\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f na v\u0161echno, co souvis\u00ed s chodem jejich firem. Mus\u00ed tu b\u00fdt dost pen\u011bz i na mzdy zam\u011bstnanc\u016f, i na povinn\u00e9 odvody, i na amortizaci \u010di modernizaci, i na dal\u0161\u00ed s firmami souvisej\u00edc\u00ed v\u00fddaje. Ale n\u011bkdy se nepoda\u0159\u00ed vyd\u011blat tolik, kolik by firma ke sv\u00e9 existenci a k norm\u00e1ln\u00edmu fungov\u00e1n\u00ed pot\u0159ebovala. A aby se potom nezkrachovalo, je pot\u0159eba sehnat si i n\u011bjakou p\u016fj\u010dku. Proto\u017ee bez pen\u011bz by to \u0161patn\u011b dopadlo. Ale je faktem, \u017ee jakkoliv jsou p\u016fj\u010dky pot\u0159eba, n\u011bkdy je majitel\u00e9 firem nedostanou. A pro\u010d je nedostanou? P\u0159ece proto, \u017ee nedok\u00e1\u017eou zaru\u010dit spl\u00e1cen\u00ed tak, jak je to po\u017eadov\u00e1no. A kdy\u017e se pak nedos\u00e1hne \u00fasp\u011bchu se \u017e\u00e1dost\u00ed o bankovn\u00ed podnikatelskou p\u016fj\u010dku? Pak je t\u0159eba hledat podobnou pomoc jinde. N\u011bkde, kde se d\u00e1 usp\u011bt. A jestli to nev\u00edte, prozrad\u00edm v\u00e1m, \u017ee jestli existuje p\u016fj\u010dka, kterou dostanou soukromn\u00edci pro sv\u00e9 firmy jist\u011b a dokonce i v\u00fdhodn\u011b, je to nebankovn\u00ed hypot\u00e9ka bez registru. A t\u00edm p\u00e1dem je to pr\u00e1v\u011b takov\u00e1 nebankovn\u00ed hypot\u00e9ka, kter\u00e1 m\u016f\u017ee soukrom\u00e9 podnikatele zachr\u00e1nit, kdy\u017e to s nimi vypad\u00e1 bled\u011b.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co kdy\u017e je pen\u011bz m\u00e1lo?","item":"https:\/\/www.patala.cz\/co-kdyz-je-penez-malo\/#breadcrumbitem"}]}]