[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oscon.cz\/pujcka-pro-osvc\/#Article","mainEntityOfPage":"https:\/\/www.oscon.cz\/pujcka-pro-osvc\/","headline":"P\u016fj\u010dka pro osv\u010d","name":"P\u016fj\u010dka pro osv\u010d","description":"Faktura p\u0159i\u0161la splatn\u00e1 za \u010dtrn\u00e1ct dn\u00ed, dodavatel materi\u00e1lu nab\u00eddl mno\u017estevn\u00ed slevu jen do konce t\u00fddne a na \u00fa\u010dtu zb\u00fdvalo sotva na provoz. Takov\u00e1 situace nen\u00ed v\u00fdjime\u010dn\u00e1 \u2013 je to prost\u011b realita podnik\u00e1n\u00ed, kde p\u0159\u00edjmy nep\u0159ich\u00e1zej\u00ed pravideln\u011b jako v\u00fdplata, ale ve vln\u00e1ch z\u00e1visl\u00fdch na zak\u00e1zk\u00e1ch, sez\u00f3n\u011b nebo platebn\u00ed mor\u00e1lce odb\u011bratel\u016f. V ten moment nepom\u016f\u017ee radovat se...","datePublished":"2026-06-03","dateModified":"2026-06-03","author":{"@type":"Person","@id":"https:\/\/www.oscon.cz\/author\/#Person","name":"","url":"https:\/\/www.oscon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oscon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oscon.cz\/wp-content\/uploads\/pujcka_pro_podnikatele_qmV47S.jpg","url":"https:\/\/www.oscon.cz\/wp-content\/uploads\/pujcka_pro_podnikatele_qmV47S.jpg","height":0,"width":0},"url":"https:\/\/www.oscon.cz\/pujcka-pro-osvc\/","about":["Finance"],"wordCount":1042,"articleBody":"        Faktura p\u0159i\u0161la splatn\u00e1 za \u010dtrn\u00e1ct dn\u00ed, dodavatel materi\u00e1lu nab\u00eddl mno\u017estevn\u00ed slevu jen do konce t\u00fddne a na \u00fa\u010dtu zb\u00fdvalo sotva na provoz. Takov\u00e1 situace nen\u00ed v\u00fdjime\u010dn\u00e1 \u2013 je to prost\u011b realita podnik\u00e1n\u00ed, kde p\u0159\u00edjmy nep\u0159ich\u00e1zej\u00ed pravideln\u011b jako v\u00fdplata, ale ve vln\u00e1ch z\u00e1visl\u00fdch na zak\u00e1zk\u00e1ch, sez\u00f3n\u011b nebo platebn\u00ed mor\u00e1lce odb\u011bratel\u016f. V ten moment nepom\u016f\u017ee radovat se z dlouhodob\u00e9 strategie; pom\u016f\u017ee v\u011bd\u011bt, kde rychle z\u00edskat likviditu bez t\u00fddn\u016f \u010dek\u00e1n\u00ed a hromady pap\u00edr\u016f. P\u0159\u00edjmy OSV\u010c kol\u00edsaj\u00ed jinak ne\u017e v\u00fdplata zam\u011bstnance, a financov\u00e1n\u00ed to mus\u00ed respektovat  \u017divnostn\u00edk nebo jedno\u010dlenn\u00e1 s.r.o. \u010del\u00ed specifick\u00e9mu probl\u00e9mu: banka posuzuje bonitu podle pr\u016fm\u011brn\u00e9ho p\u0159\u00edjmu za v\u00edce zda\u0148ovac\u00edch obdob\u00ed, po\u017eaduje da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, v\u00fdpisy z \u00fa\u010dtu a mnohdy i zaji\u0161t\u011bn\u00ed. Klasick\u00fd bankovn\u00ed \u00fav\u011br tak m\u016f\u017ee trvat t\u00fddny, p\u0159i\u010dem\u017e pot\u0159eba je tady a te\u010f. P\u016fj\u010dka pro OSV\u010c funguj\u00edc\u00ed na principu kr\u00e1tkodob\u00e9ho podnikatelsk\u00e9ho \u00fav\u011bru tento probl\u00e9m obch\u00e1z\u00ed t\u00edm, \u017ee nevy\u017eaduje dolo\u017een\u00ed d\u00e9lky podnik\u00e1n\u00ed, konkr\u00e9tn\u00edho oboru ani \u00fa\u010delu \u010derp\u00e1n\u00ed. K pod\u00e1n\u00ed \u017e\u00e1dosti sta\u010d\u00ed aktivn\u00ed I\u010cO, vlastn\u00ed bankovn\u00ed \u00fa\u010det, mobiln\u00ed telefon a e-mail, trval\u00fd pobyt v \u010cR a v\u011bk alespo\u0148 18 let. Podm\u00ednkou je tak\u00e9 to, \u017ee \u017eadatel nen\u00ed v exekuci ani insolvenci. Cel\u00e1 \u017e\u00e1dost prob\u00edh\u00e1 online a je zpracov\u00e1na b\u011bhem n\u011bkolika minut.  Podnikatelsk\u00fd \u00fav\u011br se ne\u0159\u00edd\u00ed pravidly spot\u0159ebitelsk\u00fdch p\u016fj\u010dek \u2013 a to m\u00e1 konkr\u00e9tn\u00ed dopady  Kr\u00e1tkodob\u00fd podnikatelsk\u00fd \u00fav\u011br je pr\u00e1vn\u011b odli\u0161nou kategori\u00ed od spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. \u017dadatel p\u0159i podpisu smlouvy jedn\u00e1 jako podnikatel, nikoli jako spot\u0159ebitel, a nevztahuj\u00ed se na n\u011bj ochrann\u00e1 ustanoven\u00ed z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru \u2013 nap\u0159\u00edklad povinn\u00e1 \u010dtrn\u00e1ctidenn\u00ed lh\u016fta pro odstoupen\u00ed bez ud\u00e1n\u00ed d\u016fvodu. To na jedn\u00e9 stran\u011b znamen\u00e1 vy\u0161\u0161\u00ed m\u00edru odpov\u011bdnosti na stran\u011b \u017eadatele, na druh\u00e9 stran\u011b v\u00fdrazn\u011b zjednodu\u0161uje a zrychluje cel\u00fd proces. Pr\u00e1v\u011b proto m\u016f\u017ee b\u00fdt rozhodnut\u00ed o schv\u00e1len\u00ed hotovo v \u0159\u00e1du minut, nikoli dn\u016f. Dal\u0161\u00edm konkr\u00e9tn\u00edm dopadem je da\u0148ov\u00e1 uznatelnost: \u00faroky i poplatky spojen\u00e9 s podnikatelsk\u00fdm \u00fav\u011brem jsou v\u00fddajem vynalo\u017een\u00fdm na dosa\u017een\u00ed, zaji\u0161t\u011bn\u00ed a udr\u017een\u00ed p\u0159\u00edjm\u016f, a jako takov\u00e9 si je podnikatel m\u016f\u017ee uplatnit ve sv\u00e9m da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed. Re\u00e1ln\u00fd n\u00e1klad p\u016fj\u010dky je tak po zohledn\u011bn\u00ed dan\u00ed ni\u017e\u0161\u00ed, ne\u017e ukazuje nomin\u00e1ln\u00ed \u010d\u00edslo. Prvn\u00ed p\u016fj\u010dka a\u017e 10 000 K\u010d na 14 dn\u00ed zcela zdarma m\u011bn\u00ed kalkulaci prvn\u00edho financov\u00e1n\u00ed  Pro nov\u00e9 klienty plat\u00ed mimo\u0159\u00e1dn\u00e1 podm\u00ednka: prvn\u00ed \u00fav\u011br a\u017e do v\u00fd\u0161e 10 000 K\u010d na dobu 14 dn\u00ed lze z\u00edskat se 100% slevou na poplatek za sjedn\u00e1n\u00ed a \u010derp\u00e1n\u00ed \u2013 jin\u00fdmi slovy zcela zdarma. Vr\u00e1tit sta\u010d\u00ed p\u0159esn\u011b tolik, kolik si \u010dlov\u011bk p\u016fj\u010dil. Tato nab\u00eddka plat\u00ed v\u00fdhradn\u011b pro prvn\u00ed \u00fav\u011br nov\u00e9ho klienta a vztahuje se jen na uvedenou kombinaci v\u00fd\u0161e a splatnosti. Kdo si chce p\u016fj\u010dit vy\u0161\u0161\u00ed \u010d\u00e1stku nebo zvolit jinou dobu splatnosti, vol\u00ed standardn\u00ed podm\u00ednky s ro\u010dn\u00ed \u00farokovou sazbou 50 % p.a. a poplatkem za sjedn\u00e1n\u00ed a \u010derp\u00e1n\u00ed. Rozmez\u00ed p\u016fj\u010dek je 5 000 K\u010d a\u017e 30 000 K\u010d, p\u0159i\u010dem\u017e splatnost si \u017eadatel vol\u00ed s\u00e1m v rozsahu 7 a\u017e 30 dn\u00ed. Prvn\u00ed p\u016fj\u010dka zdarma je tedy ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost, jak cel\u00fd syst\u00e9m vyzkou\u0161et v praxi bez finan\u010dn\u00edho rizika.  V\u00fdplata do deseti minut stoj\u00ed na \u0159\u00e1dn\u011b dokon\u010den\u00e9 \u017e\u00e1dosti a ov\u011b\u0159en\u00e9m \u00fa\u010dtu  Rychlost p\u0159ips\u00e1n\u00ed pen\u011bz nen\u00ed marketingov\u00fd slib bez podm\u00ednek. Pen\u00edze mohou p\u0159ij\u00edt na \u00fa\u010det do 10 minut od schv\u00e1len\u00ed, ale jen tehdy, jsou-li spln\u011bny t\u0159i konkr\u00e9tn\u00ed p\u0159edpoklady: \u017e\u00e1dost mus\u00ed b\u00fdt \u0159\u00e1dn\u011b dokon\u010dena bez chyb\u011bj\u00edc\u00edch \u00fadaj\u016f, \u017eadatel nesm\u00ed m\u00edt nesplacen\u00e9 dluhy u jin\u00fdch \u00fav\u011brov\u00fdch instituc\u00ed a mus\u00ed m\u00edt \u00fa\u010det veden\u00fd u Raiffeisenbank nebo \u010cesk\u00e9 spo\u0159itelny. Ov\u011b\u0159en\u00ed vlastnictv\u00ed \u00fa\u010dtu prob\u00edh\u00e1 jednodu\u0161e \u2013 bu\u010f ov\u011b\u0159ovac\u00ed platbou z \u00fa\u010dtu \u017eadatele, online ov\u011b\u0159en\u00edm \u00fa\u010dtu, nebo dolo\u017een\u00edm dokladu o existenci \u00fa\u010dtu na jm\u00e9no \u017eadatele. Platby \u00fav\u011bru se ozna\u010duj\u00ed variabiln\u00edm symbolem, kter\u00fdm je I\u010cO klienta, tak\u017ee p\u00e1rov\u00e1n\u00ed plateb je jednozna\u010dn\u00e9. Kdo m\u00e1 \u00fa\u010det u jin\u00e9 banky, m\u016f\u017ee sice \u017e\u00e1dost podat, ale na okam\u017eit\u00e9 p\u0159ips\u00e1n\u00ed v deseti minut\u00e1ch nem\u016f\u017ee spol\u00e9hat. Sleva za v\u010dasn\u00e9 splacen\u00ed a mo\u017enost prodlou\u017een\u00ed pat\u0159\u00ed ke standardn\u00ed v\u00fdbav\u011b kr\u00e1tkodob\u00e9ho financov\u00e1n\u00ed  Kr\u00e1tkodob\u00fd provozn\u00ed \u00fav\u011br neznamen\u00e1, \u017ee se podm\u00ednky nedaj\u00ed p\u0159izp\u016fsobit realit\u011b. Pokud klient splat\u00ed \u00fav\u011br \u0159\u00e1dn\u011b a v\u010das, z\u00edsk\u00e1 slevu na p\u0159\u00edslu\u0161enstv\u00ed \u00fav\u011bru, kter\u00e1 re\u00e1ln\u011b sni\u017euje celkovou cenu p\u016fj\u010dky oproti nomin\u00e1ln\u00edm \u010d\u00edsl\u016fm. Sleva funguje jako rozvazovac\u00ed podm\u00ednka \u2013 pokud \u00fav\u011br nen\u00ed splacen \u0159\u00e1dn\u011b a v\u010das, sleva zanik\u00e1. Naopak pokud se uk\u00e1\u017ee, \u017ee p\u016fvodn\u011b zvolen\u00e1 splatnost nesta\u010d\u00ed, lze ji v klientsk\u00e9 sekci prodlou\u017eit o 7, 14 nebo 28 dn\u00ed za smluvn\u00ed poplatek; prodlou\u017een\u00ed se po\u010d\u00edt\u00e1 ode dne p\u0159ips\u00e1n\u00ed poplatku. Prodlou\u017een\u00ed je ale pojistka pro v\u00fdjime\u010dn\u00e9 situace, ne n\u00e1stroj k \u0159e\u0161en\u00ed trval\u00e9ho probl\u00e9mu s cash flow. Cel\u00fd syst\u00e9m \u2013 od \u017e\u00e1dosti bez ru\u010ditele a bez z\u00e1stavy nemovitosti a\u017e po rychlou v\u00fdplatu \u2013 stav\u00ed na p\u0159edpokladu, \u017ee podnikatel v\u00ed, kdy mu p\u0159\u00edjem p\u0159ijde, a pot\u0159ebuje jen p\u0159emostit \u010dasov\u00fd v\u00fdpadek. Koho hled\u00e1n\u00ed takov\u00e9ho \u0159e\u0161en\u00ed p\u0159ivedlo k tomuto \u010dl\u00e1nku, toho m\u00e1 smysl odk\u00e1zat na p\u016fj\u010dka pro podnikatele, konkr\u00e9tn\u011b na produkt Open Factor, kter\u00fd v\u0161echny popsan\u00e9 podm\u00ednky kombinuje v jednom pln\u011b online procesu dostupn\u00e9m bez n\u00e1v\u0161t\u011bvy pobo\u010dky.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka pro osv\u010d","item":"https:\/\/www.oscon.cz\/pujcka-pro-osvc\/#breadcrumbitem"}]}]