{"id":17094,"date":"2025-08-22T10:35:27","date_gmt":"2025-08-22T08:35:27","guid":{"rendered":"https:\/\/invoitix.com\/?p=17094"},"modified":"2025-09-04T12:26:54","modified_gmt":"2025-09-04T10:26:54","slug":"faktoring-nebo-bankovni-uver-co-je-lepsi-volbou-pro-male-dopravni-firmy","status":"publish","type":"post","link":"https:\/\/invoitix.com\/cz\/factoring-or-bank-loan-whats-the-better-choice-for-small-transport-companies\/","title":{"rendered":"Financov\u00e1n\u00ed dopravn\u00edch spole\u010dnost\u00ed: Pro\u010d faktoring v\u00edt\u011bz\u00ed nad bankovn\u00edmi \u00fav\u011bry"},"content":{"rendered":"<p class=\"wp-block-paragraph\">P\u0159\u00edkladem m\u016f\u017ee b\u00fdt Polsko \u2013 l\u00eddr v Evropsk\u00e9 unii s t\u00e9m\u011b\u0159 20% pod\u00edlem na celkov\u00e9 silni\u010dn\u00ed doprav\u011b v EU. A\u010dkoli se v posledn\u00edch letech tr\u017en\u00ed struktura posunula sm\u011brem k v\u011bt\u0161\u00edmu zastoupen\u00ed velk\u00fdch hr\u00e1\u010d\u016f, trh z\u016fst\u00e1v\u00e1 siln\u011b rozt\u0159\u00ed\u0161t\u011bn\u00fd a st\u00e1le je z\u00e1visl\u00fd p\u0159edev\u0161\u00edm na mal\u00fdch firm\u00e1ch. Podle anal\u00fdzy asociace Transport i Logistyka Polska a spole\u010dnosti Spotdata z let 2024\/2025 tvo\u0159\u00ed 83 % polsk\u00e9ho trhu dopravn\u00ed spole\u010dnosti s 1 a\u017e 10 vozidly. Z toho v\u00edce ne\u017e dv\u011b t\u0159etiny p\u0159ipad\u00e1 na dopravce s 1 a\u017e 4 vozidly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mal\u00ed dopravci \u2013 velk\u00e9 v\u00fdzvy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Stejn\u011b jako v \u017eivot\u011b, i v dopravn\u00edm byznysu to maj\u00ed velc\u00ed hr\u00e1\u010di snaz\u0161\u00ed. Mal\u00e9 firmy naopak \u010del\u00ed cel\u00e9 \u0159ad\u011b rizik \u2013 h\u016f\u0159e se jim p\u0159izp\u016fsobuje neust\u00e1le se m\u011bn\u00edc\u00edm p\u0159edpis\u016fm, slo\u017eit\u011bji hledaj\u00ed kvalifikovan\u00e9 pracovn\u00edky, obt\u00ed\u017en\u011bji si zaji\u0161\u0165uj\u00ed f\u00e9rov\u00e9 podm\u00ednky na trhu a p\u0159edev\u0161\u00edm \u2013 udr\u017euj\u00ed si likviditu. V praxi to znamen\u00e1, \u017ee bojuj\u00ed nejen s pravideln\u00fdmi v\u00fddaji (m\u00fdto, pohonn\u00e9 hmoty, mzdy apod.), ale tak\u00e9 s mo\u017enost\u00ed pl\u00e1novat investice, roz\u0161i\u0159ovat vozov\u00fd park, po\u0159izovat nov\u00e9 vybaven\u00ed a podnikat dal\u0161\u00ed kroky ke zlep\u0161en\u00ed sv\u00e9ho podnik\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O tom, co je faktoring v doprav\u011b, jsme na na\u0161em blogu ji\u017e psali (a pro ty, kdo d\u00e1vaj\u00ed p\u0159ednost videu, mu\u017eete se pod\u00edvat na n\u00e1\u0161 YouTube kan\u00e1l). Jednodu\u0161e \u0159e\u010deno, faktoring je finan\u010dn\u00ed slu\u017eba, p\u0159i kter\u00e9 dopravce prod\u00e1 svou kr\u00e1tkodobou pohled\u00e1vku a okam\u017eit\u011b z\u00edsk\u00e1 pen\u00edze na \u00fa\u010det \u2013 bez \u010dek\u00e1n\u00ed na \u00fahradu od z\u00e1kazn\u00edka. Pohled\u00e1vku p\u0159evezme specializovan\u00e1 faktoringov\u00e1 spole\u010dnost a za tuto slu\u017ebu si \u00fa\u010dtuje poplatek (provizi).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u010dkoli tuto slu\u017ebu mohou vyu\u017e\u00edvat firmy jak\u00e9koli velikosti, ve srovn\u00e1n\u00ed s klasick\u00fdm bankovn\u00edm \u00fav\u011brem m\u00e1 faktoring pro mal\u00e9 dopravce \u0159adu v\u00fdrazn\u00fdch v\u00fdhod \u2013 zejm\u00e9na z hlediska dostupnosti a flexibility.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V tomto \u010dl\u00e1nku si tyto v\u00fdhody vysv\u011btl\u00edme \u2013 a nav\u00edc p\u0159id\u00e1me tipy, jak se vyhnout dv\u011bma nej\u010dast\u011bj\u0161\u00edm chyb\u00e1m, kter\u00fdch se dopravci dopou\u0161t\u011bj\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00fd je rozd\u00edl mezi faktoringem a bankovn\u00edm \u00fav\u011brem?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faktoring a bankovn\u00ed \u00fav\u011br jsou dva odli\u0161n\u00e9 zp\u016fsoby, jak firma m\u016f\u017ee z\u00edskat finan\u010dn\u00ed prost\u0159edky. Hlavn\u00ed rozd\u00edly jsou:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Podm\u00ednky schv\u00e1len\u00ed: Banky vy\u017eaduj\u00ed zaji\u0161t\u011bn\u00ed a dobr\u00fd \u00fav\u011brov\u00fd rating. Pokud jste s podnik\u00e1n\u00edm teprve za\u010dali a m\u00e1te 1\u20132 vozidla, bude to pravd\u011bpodobn\u011b obt\u00ed\u017en\u00e9 \u2013 nebo dokonce nemo\u017en\u00e9. Faktoringov\u00e9 spole\u010dnosti jsou naopak ochotn\u011bj\u0161\u00ed uzav\u00edrat smlouvy s nov\u00e1\u010dky v doprav\u011b a podporovat jejich r\u016fst. (Jednodu\u0161e \u0159e\u010deno: faktoringov\u00e9 spole\u010dnosti \u201eru\u010d\u00ed\u201c za pr\u00e1ci, kterou jste u\u017e odvedli \u2013 prov\u011b\u0159uj\u00ed va\u0161e klienty, ne V\u00e1s.)<\/li>\n\n\n\n<li>Dopl\u0148kov\u00e9 slu\u017eby: Faktoringov\u00e9 spole\u010dnosti \u010dasto nab\u00edzej\u00ed i dal\u0161\u00ed slu\u017eby, nap\u0159\u00edklad prov\u011b\u0159ov\u00e1n\u00ed bonity firem, se kter\u00fdmi se chyst\u00e1te spolupracovat. D\u00edky tomu se m\u016f\u017eete vyhnout probl\u00e9m\u016fm s neplati\u010di \u2013 co\u017e je situace, kter\u00e1 m\u016f\u017ee malou firmu rychle dostat do v\u00e1\u017en\u00fdch finan\u010dn\u00edch pot\u00ed\u017e\u00ed.<\/li>\n\n\n\n<li>Rychlost: Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v\u00e1m faktoring zajist\u00ed p\u0159\u00edstup k pen\u011bz\u016fm do 24\u201348 hodin. Schvalov\u00e1n\u00ed \u00fav\u011bru v bance obvykle trv\u00e1 v\u00fdrazn\u011b d\u00e9le.<\/li>\n\n\n\n<li>Flexibilita: Sami rozhodujete, kolik pohled\u00e1vek faktoringov\u00e9 spole\u010dnosti prod\u00e1te, a tento objem m\u016f\u017eete podle pot\u0159eby zvy\u0161ovat nebo sni\u017eovat. V silni\u010dn\u00ed doprav\u011b, kter\u00e1 je ovlivn\u011bna ekonomick\u00fdmi podm\u00ednkami, sez\u00f3nn\u00ed popt\u00e1vkou apod., je flexibilita kl\u00ed\u010dov\u00e1.<\/li>\n\n\n\n<li>P\u0159\u00edstup k prost\u0159edk\u016fm: U faktoringu si nep\u016fj\u010dujete \u2013 prod\u00e1v\u00e1te existuj\u00edc\u00ed pohled\u00e1vku a dost\u00e1v\u00e1te jej\u00ed hodnotu sn\u00ed\u017eenou o provizi. U \u00fav\u011bru si pen\u00edze p\u016fj\u010dujete a mus\u00edte je spl\u00e1cet i s \u00faroky.<\/li>\n\n\n\n<li>Zadlu\u017een\u00ed: Proto\u017ee p\u0159i faktoringu nevznik\u00e1 dluh, neobjevuje se tato \u010d\u00e1stka ve va\u0161ich z\u00e1vazc\u00edch \u2013 na rozd\u00edl od \u00fav\u011bru, kter\u00fd navy\u0161uje celkov\u00e9 zadlu\u017een\u00ed firmy.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Dv\u011b nej\u010dast\u011bj\u0161\u00ed chyby dopravc\u016f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. V\u00fdplata je rychl\u00e1 \u2013 ale na\u010dasov\u00e1n\u00ed je st\u00e1le d\u016fle\u017eit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Na za\u010d\u00e1tku jsme zm\u00ednili, \u017ee u faktoringu \u201eokam\u017eit\u011b dostanete pen\u00edze na \u00fa\u010det\u201c. N\u011bkte\u0159\u00ed dopravci berou tuto rychlost jako samoz\u0159ejmost, ale nezapom\u00ednejte, \u017ee faktoring nen\u00ed bankomat \u2013 i zde je pot\u0159eba proj\u00edt n\u011bkolika kroky, ne\u017e prost\u0159edky doraz\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faktoringov\u00e9 spole\u010dnosti (stejn\u011b jako banky) posuzuj\u00ed rizika velmi pe\u010dliv\u011b, i kdy\u017e je proces mnohem jednodu\u0161\u0161\u00ed ne\u017e u \u00fav\u011bru.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak se t\u00e9to chyb\u011b vyhnout? Kontaktujte invoitix! N\u00e1\u0161 t\u00fdm v\u00e1m podrobn\u011b vysv\u011btl\u00ed, jak prob\u00edh\u00e1 proces podpisu smlouvy, jak rychle ho lze dokon\u010dit, a pom\u016f\u017ee v\u00e1m st\u00e1t se klientem, kter\u00e9mu jsou faktury propl\u00e1ceny do m\u00e9n\u011b ne\u017e 48 hodin. V 90 % p\u0159\u00edpad\u016f je cel\u00fd proces pln\u011b digit\u00e1ln\u00ed a v\u0161e ostatn\u00ed prob\u00edh\u00e1 p\u0159es jednoduchou online platformu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Po splatnosti faktury faktoring nefunguje<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0158ekn\u011bme si to jasn\u011b: faktoring nelze vyu\u017e\u00edt na pohled\u00e1vky po splatnosti. Proto ne\u010dekejte, a\u017e vypr\u0161\u00ed term\u00edn \u00fahrady \u2013 pokud to ud\u011bl\u00e1te, nebudete moci touto cestou z\u00edskat finance a prodej va\u0161ich p\u0159epravn\u00edch faktur nebude mo\u017en\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tak\u017ee je\u0161t\u011b jednou: pl\u00e1nujte dop\u0159edu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Silni\u010dn\u00ed n\u00e1kladn\u00ed doprava je odv\u011btv\u00ed, kde mal\u00e9 podniky nejsou v\u00fdjimkou, ale pravidlem. Podle \u00fadaj\u016f Mezin\u00e1rodn\u00ed unie silni\u010dn\u00ed dopravy (IRU) tvo\u0159\u00ed v Evropsk\u00e9 unii dopravci s maxim\u00e1ln\u011b 10 zam\u011bstnanci 89 % v\u0161ech spole\u010dnost\u00ed p\u016fsob\u00edc\u00edch v tomto sektoru. Podobn\u00e1 je situace i u autobusov\u00fdch dopravc\u016f, kde tento pod\u00edl \u010din\u00ed p\u0159ibli\u017en\u011b 82 %.<\/p>","protected":false},"author":154399094,"featured_media":17095,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1417,1589,1588,1586,1587,1585,1591,1590,1593,1592],"tags":[],"class_list":["post-17094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs","category-bg_only","category-cz_only","category-de_only","category-es_only","category-pl_only","category-ro_only","category-rs_only","category-si_only","category-sk_only"],"blocksy_meta":[],"acf":[],"_links":{"self":[{"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/posts\/17094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/users\/154399094"}],"replies":[{"embeddable":true,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/comments?post=17094"}],"version-history":[{"count":0,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/posts\/17094\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/media\/17095"}],"wp:attachment":[{"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/media?parent=17094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/categories?post=17094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invoitix.com\/cz\/wp-json\/wp\/v2\/tags?post=17094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}