{"id":41096,"date":"2025-10-05T04:38:07","date_gmt":"2025-10-05T04:38:07","guid":{"rendered":"https:\/\/testv36.demowebsitelinks.com\/aconi\/?p=41096"},"modified":"2026-10-05T02:38:12","modified_gmt":"2026-10-05T02:38:12","slug":"jake-jsou-nejvyhodnejsi-zdroje-financovani-pro-ceske-podnikatele-v-roce-2024","status":"publish","type":"post","link":"https:\/\/testv36.demowebsitelinks.com\/aconi\/2025\/10\/05\/jake-jsou-nejvyhodnejsi-zdroje-financovani-pro-ceske-podnikatele-v-roce-2024\/","title":{"rendered":"Jak\u00e9 jsou nejv\u00fdhodn\u011bj\u0161\u00ed zdroje financov\u00e1n\u00ed pro \u010desk\u00e9 podnikatele v roce 2024?"},"content":{"rendered":"<p>Finan\u010dn\u00ed zdroje pro podnikatele v \u010cesk\u00e9 republice se v posledn\u00edch letech v\u00fdrazn\u011b roz\u0161i\u0159uj\u00ed. Dnes nen\u00ed dostatek mo\u017enost\u00ed jen na tradi\u010dn\u00ed bankovn\u00ed \u00fav\u011bry, ale tak\u00e9 na modern\u00ed formy financov\u00e1n\u00ed, kter\u00e9 nab\u00edzej\u00ed flexibilitu a rychlost. Podle dat z \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB) se v roce 2023 poda\u0159ilo t\u00e9m\u011b\u0159 40 % st\u0159edn\u00edch podnik\u016f z\u00edskat extern\u00ed kapit\u00e1l mimo bankovn\u00ed syst\u00e9m, co\u017e je o 12 procentn\u00edch bod\u016f v\u00edce ne\u017e v p\u0159edchoz\u00edm roce. Tento trend ukazuje na rostouc\u00ed z\u00e1jem o alternativn\u00ed zdroje, kter\u00e9 mohou b\u00fdt kl\u00ed\u010dov\u00e9 pro udr\u017eitelnost a r\u016fst podnik\u00e1n\u00ed.<\/p>\n<p>Jedn\u00edm z nejpopul\u00e1rn\u011bj\u0161\u00edch modern\u00edch zdroj\u016f je crowdfunding, kter\u00fd umo\u017e\u0148uje mal\u00fdm a st\u0159edn\u00edm podnik\u016fm z\u00edskat finan\u010dn\u00ed podporu od ve\u0159ejnosti prost\u0159ednictv\u00edm online platform. Platformy jako <a href=\"https:\/\/www.cashed.co.cz\/\">zdroj<\/a> umo\u017e\u0148uj\u00ed podnikatel\u016fm prezentovat sv\u00e9 projekty a z\u00edskat finan\u010dn\u00ed prost\u0159edky prost\u0159ednictv\u00edm p\u0159\u00edsp\u011bvk\u016f jednotlivc\u016f, kter\u00e9 jsou \u010dasto investi\u010dn\u00ed nebo darov\u00e9. Podle studie z roku 2023 dos\u00e1hlo crowdfundingov\u00e9 financov\u00e1n\u00ed v \u010cesku celkem 85 milion\u016f korun, p\u0159i\u010dem\u017e z toho 60 % \u0161lo na projekty v oblasti technologi\u00ed a inovace. Tato metoda je ide\u00e1ln\u00ed pro startupy a projekty s vysok\u00fdm rizikem, kde bankovn\u00ed \u00fav\u011bry mohou b\u00fdt nedostupn\u00e9.<\/p>\n<p>Dal\u0161\u00ed v\u00fdznamnou mo\u017enost\u00ed je investi\u010dn\u00ed kapit\u00e1l od extern\u00edch partner\u016f, kte\u0159\u00ed hledaj\u00ed p\u0159\u00edle\u017eitosti s potenci\u00e1lem vysok\u00e9ho n\u00e1vratu. V roce 2023 se po\u010det transakc\u00ed s extern\u00edm kapit\u00e1lem zv\u00fd\u0161il o 28 % oproti p\u0159edchoz\u00edmu roku, p\u0159i\u010dem\u017e nejv\u011bt\u0161\u00ed \u010d\u00e1st (35 %) p\u0159ipad\u00e1 na investice do digit\u00e1ln\u00edch start-up\u016f. Platformy jako CashEdge nebo AngelList nab\u00edzej\u00ed mo\u017enost z\u00edskat kapit\u00e1l od profesion\u00e1ln\u00edch investor\u016f za podm\u00ednky, \u017ee podnikatel\u00e9 poskytnou p\u0159esn\u00e9 ekonomick\u00e9 pl\u00e1ny a rizikov\u00fd profil. Tato forma financov\u00e1n\u00ed je v\u0161ak n\u00e1ro\u010dn\u00e1, proto\u017ee vy\u017eaduje od podnikatele d\u016fkladnou p\u0159\u00edpravu a jasnou komunikaci s investory.<\/p>\n<p>Pro podnikatele, kte\u0159\u00ed hledaj\u00ed stabiln\u011bj\u0161\u00ed zdroj financov\u00e1n\u00ed, jsou bankovn\u00ed \u00fav\u011bry st\u00e1le relevantn\u00ed, ale s omezen\u00edm. Podle \u010cNB v roce 2023 z\u00edskalo jen 22 % podnikatel\u016f \u00fav\u011br od banky, p\u0159i\u010dem\u017e v\u011bt\u0161ina z nich preferovala kr\u00e1tkodob\u00e9 hypot\u00e9ky nebo podnikatelsk\u00e9 \u00fav\u011bry. Nov\u00e9 bankovn\u00ed produkty, jako jsou revolvingov\u00e9 \u00fav\u011bry nebo mikro\u00fav\u011bry, nab\u00edzej\u00ed flexibiln\u00ed spl\u00e1tkov\u00e9 podm\u00ednky a ni\u017e\u0161\u00ed n\u00e1roky na zaji\u0161t\u011bn\u00ed. Nap\u0159\u00edklad Sberbank nebo Komer\u010dn\u00ed banka nab\u00edzej\u00ed v sou\u010dasnosti \u00fav\u011bry a\u017e do 5 milion\u016f korun s mo\u017enost\u00ed prodlou\u017een\u00ed spl\u00e1tkov\u00e9ho obdob\u00ed.<\/p>\n<p>Dal\u0161\u00ed zaj\u00edmavou mo\u017enost\u00ed je corporate finance, kdy podnikatel\u00e9 vyu\u017e\u00edvaj\u00ed slu\u017eby finan\u010dn\u00edch poradc\u016f a investi\u010dn\u00edch bank, kter\u00e9 pom\u00e1haj\u00ed s optimalizac\u00ed financov\u00e1n\u00ed. Podle pr\u016fzkumu z roku 2023 preferuj\u00ed 40 % podnikatel\u016f tuto formu financov\u00e1n\u00ed pro komplexn\u00ed \u0159e\u0161en\u00ed, kter\u00e9 zahrnuje nejen z\u00edsk\u00e1n\u00ed kapit\u00e1lu, ale tak\u00e9 strategick\u00e9 rady. Tyto slu\u017eby jsou \u010dasto dostupn\u00e9 na z\u00e1klad\u011b poplatku, kter\u00fd je ni\u017e\u0161\u00ed ne\u017e n\u00e1klady na vlastn\u00ed financov\u00e1n\u00ed. Nap\u0159\u00edklad spole\u010dnost Deloitte nab\u00edz\u00ed slu\u017eby corporate finance pro podnikatele s obratem od 10 milion\u016f korun, p\u0159i\u010dem\u017e n\u00e1klady na poradenstv\u00ed se pohybuj\u00ed mezi 50 000 a 200 000 korun.<\/p>\n<p>Nejv\u00fdhodn\u011bj\u0161\u00ed zdroje financov\u00e1n\u00ed z\u00e1vis\u00ed na specifick\u00fdch pot\u0159eb\u00e1ch podnikatele. Mal\u00e9 podniky s n\u00edzk\u00fdm obratem mohou preferovat crowdfunding nebo mikro\u00fav\u011bry, zat\u00edmco st\u0159edn\u00ed podniky s vy\u0161\u0161\u00edm potenci\u00e1lem mohou z\u00edskat kapit\u00e1l od investi\u010dn\u00edch spole\u010dnost\u00ed nebo bank. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee ka\u017ed\u00e1 forma financov\u00e1n\u00ed m\u00e1 sv\u00e9 v\u00fdhody a nev\u00fdhody, a proto je nezbytn\u00e9 pe\u010dliv\u011b vybrat ten nejvhodn\u011bj\u0161\u00ed variant.<\/p>\n<ul>\n<li>V roce 2023 z\u00edskalo 40 % st\u0159edn\u00edch podnik\u016f extern\u00ed kapit\u00e1l mimo bankovn\u00ed syst\u00e9m.<\/li>\n<li>Crowdfunding v \u010cesku dos\u00e1hl celkem 85 milion\u016f korun, z toho 60 % na technologie a inovace.<\/li>\n<li>Po\u010det transakc\u00ed s extern\u00edm kapit\u00e1lem se zv\u00fd\u0161il o 28 % oproti roku 2022.<\/li>\n<li>Bankovn\u00ed \u00fav\u011bry z\u00edskalo v roce 2023 jen 22 % podnikatel\u016f, v\u011bt\u0161ina preferovala kr\u00e1tkodob\u00e9 hypot\u00e9ky.<\/li>\n<li>Corporate finance preferuje 40 % podnikatel\u016f pro komplexn\u00ed \u0159e\u0161en\u00ed financov\u00e1n\u00ed.<\/li>\n<\/ul>\n<p>V sou\u010dasn\u00e9 dob\u011b je d\u016fle\u017eit\u00e9 sledovat v\u00fdvoj trhu a vybrat takovou formu financov\u00e1n\u00ed, kter\u00e1 bude odpov\u00eddat pot\u0159eb\u00e1m podnikatele. Je tak\u00e9 dobr\u00fdm n\u00e1vykem porovnat r\u016fzn\u00e9 mo\u017enosti a poradit se s odborn\u00edky, kte\u0159\u00ed mohou pomoci s optimalizac\u00ed financov\u00e1n\u00ed a minimalizac\u00ed rizik.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finan\u010dn\u00ed zdroje pro podnikatele v \u010cesk\u00e9 republice se v posledn\u00edch letech v\u00fdrazn\u011b roz\u0161i\u0159uj\u00ed. Dnes nen\u00ed dostatek mo\u017enost\u00ed jen na tradi\u010dn\u00ed bankovn\u00ed \u00fav\u011bry, ale tak\u00e9 na modern\u00ed formy financov\u00e1n\u00ed, kter\u00e9 nab\u00edzej\u00ed flexibilitu a rychlost. Podle dat z \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB) se v roce 2023 poda\u0159ilo t\u00e9m\u011b\u0159 40 % st\u0159edn\u00edch podnik\u016f z\u00edskat extern\u00ed kapit\u00e1l mimo bankovn\u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1],"tags":[],"class_list":["post-41096","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/posts\/41096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/comments?post=41096"}],"version-history":[{"count":1,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/posts\/41096\/revisions"}],"predecessor-version":[{"id":41097,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/posts\/41096\/revisions\/41097"}],"wp:attachment":[{"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/media?parent=41096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/categories?post=41096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testv36.demowebsitelinks.com\/aconi\/wp-json\/wp\/v2\/tags?post=41096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}