{"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-alebo-bankovy-uver-co-je-lepsou-volbou-pre-male-dopravne-firmy","status":"publish","type":"post","link":"https:\/\/invoitix.com\/sk\/factoring-or-bank-loan-whats-the-better-choice-for-small-transport-companies\/","title":{"rendered":"Financovanie dopravn\u00fdch spolo\u010dnost\u00ed: Pre\u010do faktoring v\u00ed\u0165az\u00ed nad bankov\u00fdmi \u00favermi"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Pr\u00edkladom m\u00f4\u017ee by\u0165 Po\u013esko \u2013 l\u00edder v Eur\u00f3pskej \u00fanii s takmer 20 % podielom na celkovej cestnej doprave v E\u00da. Aj ke\u010f sa v posledn\u00fdch rokoch \u0161trukt\u00fara trhu posunula smerom k v\u00e4\u010d\u0161iemu zast\u00fapeniu ve\u013ek\u00fdch hr\u00e1\u010dov, trh zost\u00e1va silne roztrie\u0161ten\u00fd a st\u00e1le je z\u00e1visl\u00fd predov\u0161etk\u00fdm od mal\u00fdch firiem. Pod\u013ea anal\u00fdzy asoci\u00e1cie Transport i Logistyka Polska a spolo\u010dnosti Spotdata z rokov 2024\/2025 tvoria 83 % po\u013esk\u00e9ho trhu dopravn\u00e9 spolo\u010dnosti s 1 a\u017e 10 vozidlami. Z toho viac ne\u017e dve tretiny pripadaj\u00fa na dopravcov s 1 a\u017e 4 vozidlami.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mal\u00ed dopravcovia \u2013 ve\u013ek\u00e9 v\u00fdzvy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rovnako ako v \u017eivote, aj v dopravnom biznise to maj\u00fa ve\u013ek\u00ed hr\u00e1\u010di jednoduch\u0161ie. Mal\u00e9 firmy naopak \u010delia mnoh\u00fdm rizik\u00e1m \u2013 \u0165a\u017e\u0161ie sa prisp\u00f4sobuj\u00fa neust\u00e1le sa meniacim predpisom, zlo\u017eitej\u0161ie h\u013eadaj\u00fa kvalifikovan\u00fdch pracovn\u00edkov, \u0165a\u017e\u0161ie si zabezpe\u010duj\u00fa f\u00e9rov\u00e9 trhov\u00e9 podmienky a predov\u0161etk\u00fdm \u2013 udr\u017euj\u00fa si likviditu. V praxi to znamen\u00e1, \u017ee bojuj\u00fa nielen s pravideln\u00fdmi v\u00fddavkami (m\u00fdto, pohonn\u00e9 hmoty, mzdy a pod.), ale aj s mo\u017enos\u0165ou pl\u00e1nova\u0165 invest\u00edcie, roz\u0161irova\u0165 vozov\u00fd park, obstar\u00e1va\u0165 nov\u00e9 vybavenie a podnika\u0165 \u010fal\u0161ie kroky na zlep\u0161enie svojho podnikania.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O tom, \u010do je faktoring v doprave, sme u\u017e na na\u0161om blogu p\u00edsali (a pre t\u00fdch, ktor\u00ed d\u00e1vaj\u00fa prednos\u0165 videu, m\u00f4\u017eete sa pozrie\u0165 aj na n\u00e1\u0161 YouTube kan\u00e1l). Jednoducho povedan\u00e9, faktoring je finan\u010dn\u00e1 slu\u017eba, pri ktorej dopravca pred\u00e1 svoju kr\u00e1tkodob\u00fa poh\u013ead\u00e1vku a okam\u017eite z\u00edska peniaze na \u00fa\u010det \u2013 bez \u010dakania na \u00fahradu od z\u00e1kazn\u00edka. Poh\u013ead\u00e1vku prevezme \u0161pecializovan\u00e1 faktoringov\u00e1 spolo\u010dnos\u0165 a za t\u00fato slu\u017ebu si \u00fa\u010dtuje poplatok (prov\u00edziu).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aj ke\u010f t\u00fato slu\u017ebu m\u00f4\u017eu vyu\u017e\u00edva\u0165 firmy akejko\u013evek ve\u013ekosti, v porovnan\u00ed s klasick\u00fdm bankov\u00fdm \u00faverom m\u00e1 faktoring pre mal\u00fdch dopravcov cel\u00fd rad v\u00fdrazn\u00fdch v\u00fdhod \u2013 najm\u00e4 z h\u013eadiska dostupnosti a flexibility.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V tomto \u010dl\u00e1nku si tieto v\u00fdhody vysvetl\u00edme \u2013 a navy\u0161e prid\u00e1me tipy, ako sa vyhn\u00fa\u0165 dvom naj\u010dastej\u0161\u00edm chyb\u00e1m, ktor\u00fdch sa dopravcovia dop\u00fa\u0161\u0165aj\u00fa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ak\u00fd je rozdiel medzi faktoringom a bankov\u00fdm \u00faverom?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faktoring a bankov\u00fd \u00faver s\u00fa dva odli\u0161n\u00e9 sp\u00f4soby, ako m\u00f4\u017ee firma z\u00edska\u0165 finan\u010dn\u00e9 prostriedky. Hlavn\u00e9 rozdiely s\u00fa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Podmienky schv\u00e1lenia: Banky vy\u017eaduj\u00fa zabezpe\u010denie a dobr\u00e9 \u00faverov\u00e9 hodnotenie. Ak ste s podnikan\u00edm pr\u00e1ve za\u010dali a m\u00e1te 1\u20132 vozidl\u00e1, bude to pravdepodobne n\u00e1ro\u010dn\u00e9 \u2013 alebo dokonca nemo\u017en\u00e9. Faktoringov\u00e9 spolo\u010dnosti s\u00fa naopak ochotnej\u0161ie uzatv\u00e1ra\u0165 zmluvy s nov\u00e1\u010dikmi v doprave a podporova\u0165 ich rast. (Jednoducho povedan\u00e9: faktoringov\u00e9 spolo\u010dnosti \u201eru\u010d\u00ed\u201c za pr\u00e1cu, ktor\u00fa ste u\u017e odviedli \u2013 preveruj\u00fa va\u0161ich klientov, nie v\u00e1s.)<\/li>\n\n\n\n<li>Doplnkov\u00e9 slu\u017eby: Faktoringov\u00e9 spolo\u010dnosti \u010dasto pon\u00fakaj\u00fa aj \u010fal\u0161ie slu\u017eby, napr\u00edklad preverenie bonity firiem, s ktor\u00fdmi sa chyst\u00e1te spolupracova\u0165. Takto sa m\u00f4\u017eete vyhn\u00fa\u0165 probl\u00e9mom s neplati\u010dmi \u2013 situ\u00e1cii, ktor\u00e1 m\u00f4\u017ee mal\u00fa firmu ve\u013emi r\u00fdchlo dosta\u0165 do v\u00e1\u017enych finan\u010dn\u00fdch probl\u00e9mov.<\/li>\n\n\n\n<li>R\u00fdchlos\u0165: Vo v\u00e4\u010d\u0161ine pr\u00edpadov v\u00e1m faktoring zabezpe\u010d\u00ed pr\u00edstup k peniazom do 24\u201348 hod\u00edn. Schva\u013eovanie \u00faveru v banke zvy\u010dajne trv\u00e1 v\u00fdrazne dlh\u0161ie.<\/li>\n\n\n\n<li>Flexibilita: Sami rozhodujete, ko\u013eko poh\u013ead\u00e1vok faktoringovej spolo\u010dnosti pred\u00e1te, a tento objem m\u00f4\u017eete pod\u013ea potreby zvy\u0161ova\u0165 alebo zni\u017eova\u0165. V cestnej doprave, ktor\u00e1 je ovplyvnen\u00e1 ekonomick\u00fdmi podmienkami, sez\u00f3nnym dopytom a pod., je flexibilita k\u013e\u00fa\u010dov\u00e1.<\/li>\n\n\n\n<li>Pr\u00edstup k prostriedkom: Pri faktoringu si nepo\u017ei\u010diavate \u2013 pred\u00e1vate existuj\u00facu poh\u013ead\u00e1vku a dost\u00e1vate jej hodnotu zn\u00ed\u017een\u00fa o prov\u00edziu. Pri \u00favere si peniaze po\u017ei\u010diavate a mus\u00edte ich spl\u00e1ca\u0165 aj s \u00farokmi.<\/li>\n\n\n\n<li>Zadl\u017eenie: Ke\u010f\u017ee pri faktoringu nevznik\u00e1 dlh, t\u00e1to suma sa neobjavuje vo va\u0161ich z\u00e1v\u00e4zkoch \u2013 na rozdiel od \u00faveru, ktor\u00fd zvy\u0161uje celkov\u00e9 zadl\u017eenie firmy.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Dve naj\u010dastej\u0161ie chyby dopravcov<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. V\u00fdplata je r\u00fdchla \u2013 ale na\u010dasovanie je st\u00e1le d\u00f4le\u017eit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Na za\u010diatku sme spomenuli, \u017ee pri faktoringu \u201eokam\u017eite dostanete peniaze na \u00fa\u010det\u201c. Niektor\u00ed dopravcovia ber\u00fa t\u00fato r\u00fdchlos\u0165 ako samozrejmos\u0165, ale nezab\u00fadajte, \u017ee faktoring nie je bankomat \u2013 aj tu je potrebn\u00e9 prejs\u0165 nieko\u013ek\u00fdmi krokmi, k\u00fdm prostriedky dorazia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faktoringov\u00e9 spolo\u010dnosti (rovnako ako banky) posudzuj\u00fa rizik\u00e1 ve\u013emi d\u00f4sledne, aj ke\u010f je tento proces ove\u013ea jednoduch\u0161\u00ed ne\u017e pri \u00favere.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ako sa tejto chybe vyhn\u00fa\u0165? Kontaktujte invoitix! N\u00e1\u0161 t\u00edm v\u00e1m podrobne vysvetl\u00ed, ako prebieha proces podpisu zmluvy, ako r\u00fdchlo ho mo\u017eno dokon\u010di\u0165, a pom\u00f4\u017ee v\u00e1m sta\u0165 sa klientom, ktor\u00e9mu s\u00fa fakt\u00fary prepl\u00e1can\u00e9 do menej ne\u017e 48 hod\u00edn. V 90 % pr\u00edpadov je cel\u00fd proces plne digit\u00e1lny a v\u0161etko ostatn\u00e9 prebieha cez jednoduch\u00fa online platformu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Po splatnosti fakt\u00fary faktoring nefunguje<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Povedzme si to jasne: faktoring nemo\u017eno vyu\u017ei\u0165 na poh\u013ead\u00e1vky po splatnosti. Preto ne\u010dakajte, a\u017e uplynie term\u00edn \u00fahrady \u2013 ak to urob\u00edte, touto cestou financie nez\u00edskate a predaj va\u0161ich prepravn\u00fdch fakt\u00far nebude mo\u017en\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tak\u017ee e\u0161te raz: pl\u00e1nujte dopredu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Cestn\u00e1 n\u00e1kladn\u00e1 doprava je odvetvie, kde mal\u00e9 podniky nie s\u00fa v\u00fdnimkou, ale pravidlom. Pod\u013ea \u00fadajov Medzin\u00e1rodnej \u00fanie cestnej dopravy (IRU) tvoria v Eur\u00f3pskej \u00fanii dopravcovia s maxim\u00e1lne 10 zamestnancami 89 % v\u0161etk\u00fdch spolo\u010dnost\u00ed p\u00f4sobiacich v tomto sektore. Podobn\u00e1 situ\u00e1cia je aj u autobusov\u00fdch dopravcov, kde tento podiel dosahuje pribli\u017ene 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\/sk\/wp-json\/wp\/v2\/posts\/17094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/users\/154399094"}],"replies":[{"embeddable":true,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/comments?post=17094"}],"version-history":[{"count":0,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/posts\/17094\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/media\/17095"}],"wp:attachment":[{"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/media?parent=17094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/categories?post=17094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invoitix.com\/sk\/wp-json\/wp\/v2\/tags?post=17094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}