[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stomi.cz\/s-penezi-to-byva-tezke\/#Article","mainEntityOfPage":"https:\/\/www.stomi.cz\/s-penezi-to-byva-tezke\/","headline":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","name":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","description":"N\u011bkdy se v podnik\u00e1n\u00ed neda\u0159\u00ed tak, jak by se da\u0159it m\u011blo. A to vede k tomu, \u017ee podnikatel\u00e9 a jejich","datePublished":"2026-02-06","dateModified":"2026-02-06","author":{"@type":"Person","@id":"https:\/\/www.stomi.cz\/author\/#Person","name":"","url":"https:\/\/www.stomi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stomi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stomi.cz\/wp-content\/uploads\/ppppppppppppppppppppppppp_10_10_10_10_4.jpg","url":"https:\/\/www.stomi.cz\/wp-content\/uploads\/ppppppppppppppppppppppppp_10_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.stomi.cz\/s-penezi-to-byva-tezke\/","about":["Pen\u00edze"],"wordCount":403,"articleBody":"         N\u011bkdy se v podnik\u00e1n\u00ed neda\u0159\u00ed tak, jak by se da\u0159it m\u011blo. A to vede k tomu, \u017ee podnikatel\u00e9 a jejich firmy za\u010dnou poci\u0165ovat i nep\u0159\u00edjemn\u00fd nedostatek pen\u011bz. A to je skute\u010dnost, kter\u00e1 nen\u00ed nikomu p\u0159\u00edjemn\u00e1 a nelze ji ur\u010dit\u011b br\u00e1t na lehkou v\u00e1hu. Proto\u017ee bez pen\u011bz nem\u00e1 podnikatel za co \u017e\u00edt a ani firma bez nich nem\u016f\u017ee fungovat a rozv\u00edjet se tak, jak by to bylo pot\u0159eba. Proto\u017ee podnikateli ned\u00e1 nikdo nic zadarmo a firma pot\u0159ebuje hradit v\u0161echno mo\u017en\u00e9, od nov\u00e9ho vybaven\u00ed p\u0159es materi\u00e1l a\u017e po mzdy zam\u011bstnanc\u016f, dan\u011b a dal\u0161\u00ed odvody.Nedostatek pen\u011bz je tedy pro ka\u017ed\u00e9ho z podnikatel\u016f probl\u00e9mem. A probl\u00e9my se mus\u00ed \u0159e\u0161it. Nejl\u00e9pe je\u0161t\u011b d\u0159\u00edve, ne\u017e n\u00e1m p\u0159erostou p\u0159es hlavu, ne\u017e se stanou nezvladateln\u00fdmi. A tak podnikatel\u00e9 pochopiteln\u011b \u0159e\u0161en\u00ed hledaj\u00ed. Ale \u010dasto se jim neda\u0159\u00ed p\u0159ij\u00edt na to, jak to zvl\u00e1dnout. Proto\u017ee p\u0159\u00edjmy samy od sebe zaru\u010den\u011b nevzrostou, ty jsou v soukrom\u00e9m sektoru v\u017edycky nejist\u00e9, a vyj\u00edt to nemus\u00ed ani s podnikatelskou p\u016fj\u010dkou, pokud podnikatelem v nesn\u00e1z\u00edch kontaktovan\u00e1 banka usoud\u00ed, \u017ee nen\u00ed \u017eadatel bonitn\u00ed, tedy \u017ee nem\u00e1 dost velk\u00e9 p\u0159\u00edjmy nebo vyvol\u00e1vaj\u00ed pochybnosti z\u00e1znamy v jeho registrech dlu\u017en\u00edk\u016f.A tak si n\u011bkdy podnikatel\u00e9 zoufaj\u00ed a pomalu se p\u0159ipravuj\u00ed na to, \u017ee svou firmu zru\u0161\u00ed. Co na tom, \u017ee by mohla v budoucnu prosperovat, kdy\u017e do t\u00e9 doby zkrachuje kv\u016fli do\u010dasn\u00fdm finan\u010dn\u00edm probl\u00e9m\u016fm, je\u017e se nezvl\u00e1dnou? Ale nikdy bychom to nem\u011bli vid\u011bt tak \u010dern\u011b, dokud jsme se nepokusili z\u00edskat nebankovn\u00ed hypot\u00e9ku. Proto\u017ee ta je v\u00fdhodn\u00e1 a dostupn\u00e1 i takov\u00fdm podnikatel\u016fm, kter\u00fdm v bank\u00e1ch p\u016fj\u010dit necht\u011bj\u00ed. Jenom je t\u0159eba m\u00edt n\u011bjakou nemovitost, kterou by se ru\u010dilo za spl\u00e1cen\u00ed pen\u011bz, je t\u0159eba m\u00edt aspo\u0148 n\u011bjak\u00e9 p\u0159\u00edjmy, a pak u\u017e se takov\u00e1 nebankovn\u00ed hypot\u00e9ka jist\u011b se\u017eene. A t\u00edm p\u00e1dem je americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f n\u011bkdy t\u0159eba i skute\u010dn\u011b jedinou dosa\u017eitelnou sp\u00e1sou. A takov\u00e1 pomoc se jist\u011b neodm\u00edt\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","item":"https:\/\/www.stomi.cz\/s-penezi-to-byva-tezke\/#breadcrumbitem"}]}]