{"id":4824,"date":"2026-05-09T08:15:55","date_gmt":"2026-05-09T08:15:55","guid":{"rendered":"http:\/\/tbbinvestmentgroup.com\/?p=4824"},"modified":"2026-06-19T08:15:56","modified_gmt":"2026-06-19T08:15:56","slug":"jak-ziskat-podnikatelsky-uver-pro-podnikatele-bez-https-pujka-online-cz-pujcky-flexifin-danoveho-priznani","status":"publish","type":"post","link":"http:\/\/tbbinvestmentgroup.com\/index.php\/2026\/05\/09\/jak-ziskat-podnikatelsky-uver-pro-podnikatele-bez-https-pujka-online-cz-pujcky-flexifin-danoveho-priznani\/","title":{"rendered":"Jak z\u00edskat podnikatelsk\u00fd \u00fav\u011br pro podnikatele bez https:\/\/pujka-online.cz\/pujcky\/flexifin\/ da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed a registrace<\/a><\/li>\n<li><a href=\"#toc-1\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky se \u0161patnou \u00fav\u011brovou histori\u00ed<\/a><\/li>\n<li><a href=\"#toc-2\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez z\u00e1stavy<\/a><\/li>\n<li><a href=\"#toc-3\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez kontroly \u00fav\u011bruschopnosti<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Z\u00edsk\u00e1n\u00ed podnikatelsk\u00e9ho \u00fav\u011bru bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed (ITR) je mo\u017en\u00e9 u n\u011bkter\u00fdch v\u011b\u0159itel\u016f a u n\u011bkter\u00fdch typ\u016f \u00fav\u011br\u016f <a href=\"https:\/\/pujka-online.cz\/pujcky\/flexifin\/\">https:\/\/pujka-online.cz\/pujcky\/flexifin\/<\/a> . Tento typ \u00fav\u011bru obvykle prob\u00edh\u00e1 prost\u0159ednictv\u00edm online tr\u017ei\u0161t\u011b nebo platformy a vy\u017eaduje p\u0159edlo\u017een\u00ed n\u011bkter\u00fdch z\u00e1kladn\u00edch dokument\u016f, jako jsou bankovn\u00ed v\u00fdpisy.<\/p>\n<p>V\u011b\u0159itel se tak\u00e9 pod\u00edv\u00e1 na va\u0161e osobn\u00ed kreditn\u00ed sk\u00f3re a m\u016f\u017ee cht\u00edt p\u0159\u00edstup k bankovn\u00edm \u00fa\u010dt\u016fm va\u0161\u00ed firmy. <!--more--> Jejich z\u0159\u00edzen\u00ed usnadn\u00ed proces \u017e\u00e1dosti.<\/p>\n<h2 id=\"toc-0\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed a registrace<\/h2>\n<p>Da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed jsou d\u016fle\u017eit\u00e9 dokumenty, kter\u00e9 slou\u017e\u00ed jako doklad o va\u0161em p\u0159\u00edjmu. Jsou nezbytn\u00e1 p\u0159i z\u00edsk\u00e1v\u00e1n\u00ed podnikatelsk\u00e9ho \u00fav\u011bru, proto\u017ee ukazuj\u00ed na va\u0161i spolehlivost jako dlu\u017en\u00edka. Nov\u00e9 podniky v\u0161ak nemus\u00ed b\u00fdt schopny p\u0159edlo\u017eit da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed vzhledem k ran\u00fdm f\u00e1z\u00edm provozu. Proto \u010del\u00ed obt\u00ed\u017e\u00edm p\u0159i zaji\u0161\u0165ov\u00e1n\u00ed \u00fav\u011br\u016f. Na\u0161t\u011bst\u00ed existuj\u00ed zp\u016fsoby, jak z\u00edskat podnikatelsk\u00e9 \u00fav\u011bry bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Jedn\u00edm ze zp\u016fsob\u016f, jak toho dos\u00e1hnout, je m\u00edt vysok\u00e9 kreditn\u00ed sk\u00f3re. To zv\u00fd\u0161\u00ed va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed \u00fav\u011bru s n\u00edzk\u00fdmi \u00farokov\u00fdmi sazbami. M\u011bli byste se tak\u00e9 ujistit, \u017ee jako alternativn\u00ed zdroj pen\u011bz nepou\u017e\u00edv\u00e1te \u017e\u00e1dn\u00fd jin\u00fd p\u0159\u00edjem.<\/p>\n<h2 id=\"toc-1\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky se \u0161patnou \u00fav\u011brovou histori\u00ed<\/h2>\n<p>Existuje mnoho zp\u016fsob\u016f, jak z\u00edskat podnikatelsk\u00fd \u00fav\u011br, ale je d\u016fle\u017eit\u00e9 zn\u00e1t sv\u00e9 mo\u017enosti. N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 vy\u017eaduj\u00ed rozs\u00e1hlou dokumentaci, zat\u00edmco jin\u00ed nab\u00edzej\u00ed flexibiln\u011bj\u0161\u00ed podm\u00ednky pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Tito v\u011b\u0159itel\u00e9 se obvykle m\u00e9n\u011b zaj\u00edmaj\u00ed o va\u0161e osobn\u00ed kreditn\u00ed sk\u00f3re nebo historii va\u0161eho podnik\u00e1n\u00ed. M\u00edsto toho se zam\u011b\u0159uj\u00ed na to, zda m\u00e1 va\u0161e firma solidn\u00ed zdroj p\u0159\u00edjm\u016f a zda je schopna splatit dluh. Krom\u011b toho vl\u00e1da nab\u00edz\u00ed \u0159adu dotovan\u00fdch \u00fav\u011br\u016f pro za\u010d\u00ednaj\u00edc\u00ed a mal\u00e9 podniky, kter\u00e9 nemus\u00ed p\u0159edkl\u00e1dat da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed ani z\u00e1stavu.<\/p>\n<p>Abyste se ujistili, \u017ee m\u00e1te n\u00e1rok na podnikatelsk\u00fd \u00fav\u011br, zkontrolujte si sv\u00e9 kreditn\u00ed sk\u00f3re a p\u0159ipravte si v\u0161echny pot\u0159ebn\u00e9 dokumenty p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti. V\u011b\u0159itel\u00e9 mohou po\u017eadovat st\u00e1tn\u00ed pod\u00e1n\u00ed, jako jsou zakl\u00e1dac\u00ed dokumenty a osv\u011bd\u010den\u00ed o dobr\u00e9m stavu, stejn\u011b jako bankovn\u00ed v\u00fdpisy, potvrzen\u00ed a faktury. M\u011bli byste m\u00edt tak\u00e9 p\u0159ipraven\u00e9 finan\u010dn\u00ed progn\u00f3zy va\u0161\u00ed firmy a podnikatelsk\u00fd pl\u00e1n. D\u00e1le bu\u010fte p\u0159ipraveni poskytnout v\u011b\u0159iteli p\u0159\u00edstup ke sv\u00fdm online \u00fa\u010dt\u016fm.<\/p>\n<p>Pokud m\u00e1te \u0161patn\u00e9 kreditn\u00ed sk\u00f3re a \u017e\u00e1dnou obchodn\u00ed historii, st\u00e1le si m\u016f\u017eete zajistit financov\u00e1n\u00ed. M\u016f\u017eete vyu\u017e\u00edt \u00fav\u011br pro mal\u00e9 podniky nebo vyzkou\u0161et alternativn\u00ed zdroje financov\u00e1n\u00ed, jako je faktoring faktur nebo \u00fav\u011bry ACH, kter\u00e9 z\u00e1vis\u00ed na jin\u00fdch faktorech ne\u017e na kreditn\u00edm sk\u00f3re. Krom\u011b toho si m\u016f\u017eete podnikatelsk\u00fd \u00fav\u011br zalo\u017eit registrac\u00ed u \u00fav\u011brov\u00e9ho registru pro firmy, jako je Dun &amp; Bradstreet.<\/p>\n<h2 id=\"toc-2\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez z\u00e1stavy<\/h2>\n<p>Jednou z kl\u00ed\u010dov\u00fdch v\u011bc\u00ed, kter\u00e9 je t\u0159eba zv\u00e1\u017eit p\u0159i \u017e\u00e1dosti o financov\u00e1n\u00ed podnik\u00e1n\u00ed, je to, zda se od v\u00e1s bude o\u010dek\u00e1vat zaji\u0161t\u011bn\u00ed. To je d\u016fle\u017eit\u00e9, proto\u017ee v\u011b\u0159itel\u00e9 cht\u011bj\u00ed m\u00edt jistotu, \u017ee budete schopni \u00fav\u011br splatit, i kdy\u017e tak nebudete moci u\u010dinit z d\u016fvodu nouze nebo neo\u010dek\u00e1van\u00fdch okolnost\u00ed. Na\u0161t\u011bst\u00ed existuj\u00ed v\u011b\u0159itel\u00e9, kte\u0159\u00ed poskytuj\u00ed nezaji\u0161t\u011bn\u00e9 podnikatelsk\u00e9 \u00fav\u011bry podnikatel\u016fm, kte\u0159\u00ed nemaj\u00ed dostatek aktiv, kter\u00e1 by mohli pou\u017e\u00edt jako zaji\u0161t\u011bn\u00ed.<\/p>\n<p>P\u0159i rozhodov\u00e1n\u00ed o \u017e\u00e1dosti o podnikatelsk\u00fd \u00fav\u011br budete pravd\u011bpodobn\u011b muset v\u011b\u0159iteli p\u0159edlo\u017eit n\u011bkolik dokument\u016f. Mezi nimi je i da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed k dani z p\u0159\u00edjmu (ITR). Tento dokument prokazuje, \u017ee jste opr\u00e1vn\u011bn\u00fdm podnikatelem a m\u00e1te st\u00e1l\u00fd tok p\u0159\u00edjm\u016f, kter\u00e9 lze pou\u017e\u00edt ke splacen\u00ed \u00fav\u011bru. Startupy v\u0161ak mohou m\u00edt s p\u0159edlo\u017een\u00edm tohoto dokumentu pot\u00ed\u017ee, proto\u017ee jsou teprve v ran\u00fdch f\u00e1z\u00edch sv\u00e9ho fungov\u00e1n\u00ed.<\/p>\n<p>Dal\u0161\u00edm d\u016fle\u017eit\u00fdm po\u017eadavkem je podnikatelsk\u00fd pl\u00e1n. Ten pom\u016f\u017ee v\u011b\u0159iteli zjistit, \u017ee to s podnik\u00e1n\u00edm mysl\u00edte v\u00e1\u017en\u011b a m\u00e1te promy\u0161len\u00fd pl\u00e1n, jak utratit a vyd\u011blat pen\u00edze. Krom\u011b toho byste m\u011bli svou firmu zaregistrovat u \u00fav\u011brov\u00e9ho registru, jako je Dun &amp; Bradstreet nebo Equifax. T\u00edm zajist\u00edte, \u017ee va\u0161e spole\u010dnost bude m\u00edt siln\u00fd \u00fav\u011brov\u00fd profil a zv\u00fd\u0161\u00edte sv\u00e9 \u0161ance na z\u00edsk\u00e1n\u00ed podnikatelsk\u00e9ho \u00fav\u011bru.<\/p>\n<h2 id=\"toc-3\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez kontroly \u00fav\u011bruschopnosti<\/h2>\n<p>Na rozd\u00edl od osobn\u00edch p\u016fj\u010dek, kter\u00e9 k posouzen\u00ed rizika dlu\u017en\u00edka pou\u017e\u00edvaj\u00ed kreditn\u00ed sk\u00f3re, podnikatelsk\u00e9 p\u016fj\u010dky obvykle vy\u017eaduj\u00ed doklad o p\u0159\u00edjmu. T\u00edmto dokumentem je obvykle kopie va\u0161eho da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed nebo certifik\u00e1t DBA. Abyste se kvalifikovali na podnikatelsk\u00fd \u00fav\u011br, mus\u00edte tento dokument poskytnout v\u011b\u0159iteli spolu s v\u00fdpisy z bankovn\u00edho \u00fa\u010dtu. Krom\u011b toho byste m\u011bli m\u00edt tak\u00e9 podnikatelsk\u00fd \u00fa\u010det, aby se zjednodu\u0161il proces dokumentace.<\/p>\n<p>Podnikatelsk\u00e1 p\u016fj\u010dka bez kontroly \u00fav\u011brov\u00e9 historie je mo\u017enost\u00ed pro podnikatele, kte\u0159\u00ed pot\u0159ebuj\u00ed mal\u00fd kapit\u00e1l na pokryt\u00ed sv\u00fdch po\u010d\u00e1te\u010dn\u00edch n\u00e1klad\u016f. Tyto p\u016fj\u010dky obvykle nab\u00edzej\u00ed online v\u011b\u0159itel\u00e9, kte\u0159\u00ed mohou ov\u011b\u0159it finan\u010dn\u00ed informace va\u0161\u00ed firmy v re\u00e1ln\u00e9m \u010dase prost\u0159ednictv\u00edm propojen\u00ed s va\u0161imi bankovn\u00edmi \u00fa\u010dty. Proces \u017e\u00e1dosti o p\u016fj\u010dku je jednoduch\u00fd a rychl\u00fd, co\u017e v\u00e1m umo\u017en\u00ed z\u00edskat schv\u00e1len\u00ed a financov\u00e1n\u00ed b\u011bhem n\u011bkolika minut.<\/p>\n<p>I kdy\u017e se krit\u00e9ria pro z\u00edsk\u00e1n\u00ed podnikatelsk\u00fdch \u00fav\u011br\u016f li\u0161\u00ed v z\u00e1vislosti na v\u011b\u0159iteli, v\u011bt\u0161ina z nich bude cht\u00edt zn\u00e1t va\u0161e osobn\u00ed kreditn\u00ed sk\u00f3re. Mohou tak\u00e9 po\u017eadovat aktu\u00e1ln\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nebo certifik\u00e1t DBA. Startupy v\u0161ak tento dokument \u010dasto nemohou poskytnout, proto\u017ee jsou st\u00e1le v ran\u00fdch f\u00e1z\u00edch sv\u00e9ho podnik\u00e1n\u00ed. V takov\u00fdch p\u0159\u00edpadech vl\u00e1da zavedla n\u011bkolik program\u016f dotovan\u00fdch \u00fav\u011br\u016f, kter\u00e9 t\u011bmto nov\u00fdm podnik\u016fm pomohou. Pat\u0159\u00ed mezi n\u011b Stand-up India, \u00fav\u011bry PSB a programy MUDRA.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed a registrace Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky se \u0161patnou \u00fav\u011brovou histori\u00ed Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez z\u00e1stavy Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky bez kontroly \u00fav\u011bruschopnosti Z\u00edsk\u00e1n\u00ed podnikatelsk\u00e9ho \u00fav\u011bru bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed (ITR) je mo\u017en\u00e9 u n\u011bkter\u00fdch v\u011b\u0159itel\u016f a u n\u011bkter\u00fdch typ\u016f \u00fav\u011br\u016f https:\/\/pujka-online.cz\/pujcky\/flexifin\/ . Tento typ \u00fav\u011bru obvykle prob\u00edh\u00e1 prost\u0159ednictv\u00edm online tr\u017ei\u0161t\u011b nebo platformy a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"_links":{"self":[{"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/posts\/4824"}],"collection":[{"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/comments?post=4824"}],"version-history":[{"count":1,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/posts\/4824\/revisions"}],"predecessor-version":[{"id":4825,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/posts\/4824\/revisions\/4825"}],"wp:attachment":[{"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/media?parent=4824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/categories?post=4824"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/tbbinvestmentgroup.com\/index.php\/wp-json\/wp\/v2\/tags?post=4824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}