[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zeleneslevy.cz\/podnikatelska-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.zeleneslevy.cz\/podnikatelska-pujcka\/","headline":"Podnikatelsk\u00e1 p\u016fj\u010dka","name":"Podnikatelsk\u00e1 p\u016fj\u010dka","description":"Faktura p\u0159i\u0161la ve st\u0159edu, splatnost byla v p\u00e1tek a na \u00fa\u010dtu chyb\u011blo dvacet tis\u00edc. Ne\u0161lo o krizi, \u0161lo o \u010dasov\u00e1n\u00ed \u2013 dodavatel cht\u011bl platbu p\u0159ed v\u00edkendem, odb\u011bratel pos\u00edlal pen\u00edze a\u017e p\u0159\u00ed\u0161t\u00ed t\u00fdden. P\u0159esn\u011b v takov\u00fdch momentech z\u00e1le\u017e\u00ed na tom, zda m\u00e1 podnikatel p\u0159\u00edstup k financov\u00e1n\u00ed, kter\u00e9 reaguje v hodin\u00e1ch, ne v t\u00fddnech. 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 Podnikatelsk\u00e1 p\u016fj\u010dka je z pr\u00e1vn\u00edho hlediska zcela jin\u00fd produkt ne\u017e spot\u0159ebitelsk\u00fd \u00fav\u011br. Zat\u00edmco spot\u0159ebitelsk\u00fd \u00fav\u011br se \u0159\u00edd\u00ed z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd ukl\u00e1d\u00e1 poskytovateli rozs\u00e1hl\u00e9 informa\u010dn\u00ed povinnosti a zav\u00e1d\u00ed povinn\u00fd ukazatel RPSN, podnikatelsk\u00fd \u00fav\u011br takov\u00e9 n\u00e1roky nem\u00e1. \u017dadatel v roli podnikatele p\u0159eb\u00edr\u00e1 plnou smluvn\u00ed odpov\u011bdnost, ale z\u00e1rove\u0148 z\u00edsk\u00e1v\u00e1 jednodu\u0161\u0161\u00ed a rychlej\u0161\u00ed proces. Pro OSV\u010c to v praxi znamen\u00e1 m\u00e9n\u011b pap\u00edrov\u00e1n\u00ed, \u017e\u00e1dn\u00e9 povinn\u00e9 lh\u016fty na rozmy\u0161lenou ze z\u00e1kona a zpracov\u00e1n\u00ed \u017e\u00e1dosti v \u0159\u00e1du minut. Tento rozd\u00edl je t\u0159eba ch\u00e1pat v\u011bcn\u011b: nen\u00ed tu m\u00e9n\u011b transparentnosti, jen jin\u00fd pr\u00e1vn\u00ed r\u00e1mec odpov\u00eddaj\u00edc\u00ed tomu, \u017ee podnikatel rozhoduje v r\u00e1mci sv\u00e9 ekonomick\u00e9 \u010dinnosti. Da\u0148ov\u00e1 uznatelnost \u00farok\u016f a poplatk\u016f sni\u017euje re\u00e1ln\u00fd n\u00e1klad podnikatelsk\u00e9ho \u00fav\u011bru M\u00e1lokdo p\u0159i kalkulaci ceny p\u016fj\u010dky bere v \u00favahu da\u0148ov\u00fd dopad. Pro podnikatele vedouc\u00ed da\u0148ovou evidenci nebo \u00fa\u010detnictv\u00ed p\u0159itom plat\u00ed konkr\u00e9tn\u00ed pravidlo: \u00faroky a poplatky spojen\u00e9 s podnikatelsk\u00fdm \u00fav\u011brem jsou da\u0148ov\u011b uznateln\u00fdm n\u00e1kladem. Pokud si OSV\u010c p\u016fj\u010d\u00ed na n\u00e1kup materi\u00e1lu, opravu provozovny nebo p\u0159edplacen\u00ed reklamy, poplatek za sjedn\u00e1n\u00ed i \u00farok se prom\u00edtnou do n\u00e1klad\u016f a sn\u00ed\u017e\u00ed z\u00e1klad dan\u011b. Re\u00e1ln\u00e1 cena financov\u00e1n\u00ed je tak ni\u017e\u0161\u00ed, ne\u017e ukazuje nomin\u00e1ln\u00ed \u010d\u00edslo. Ro\u010dn\u00ed \u00farokov\u00e1 sazba \u010din\u00ed 50 % p.a. a vedle n\u00ed je \u00fa\u010dtov\u00e1n poplatek za sjedn\u00e1n\u00ed a \u010derp\u00e1n\u00ed \u00fav\u011bru \u2013 oboje v\u0161ak jde pro aktivn\u00edho podnikatele do n\u00e1klad\u016f. Kdo tuto logiku opom\u00edj\u00ed, p\u0159eplat\u00ed m\u00e9n\u011b, ne\u017e si mysl\u00ed, nebo naopak odm\u00edtne financov\u00e1n\u00ed, kter\u00e9 by mu po zdan\u011bn\u00ed vy\u0161lo v\u00fdhodn\u011bji, ne\u017e se zd\u00e1lo. 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 Nov\u00ed klienti maj\u00ed k dispozici konkr\u00e9tn\u00ed v\u00fdhodu: prvn\u00ed p\u016fj\u010dka a\u017e do v\u00fd\u0161e 10 000 K\u010d se splatnost\u00ed 14 dn\u00ed p\u0159ich\u00e1z\u00ed se 100% slevou na poplatek za sjedn\u00e1n\u00ed. To v praxi znamen\u00e1, \u017ee poplatek, kter\u00fd by byl jinak sou\u010d\u00e1st\u00ed ceny \u00fav\u011bru, je p\u0159i spln\u011bn\u00ed podm\u00ednek nulov\u00fd. Zaplatit je t\u0159eba pouze \u00farok odpov\u00eddaj\u00edc\u00ed d\u00e9lce \u010derp\u00e1n\u00ed. Pro podnikatele, kter\u00fd si chce ov\u011b\u0159it, jak cel\u00fd produkt funguje, jde o p\u0159\u00edle\u017eitost bez zbyte\u010dn\u00e9ho rizika \u2013 bu\u010f pen\u00edze v\u010das vr\u00e1t\u00ed a pozn\u00e1 proces zbl\u00edzka, nebo zjist\u00ed, \u017ee produkt jeho pot\u0159eb\u00e1m neodpov\u00edd\u00e1, ani\u017e by za tento test platil poplatek nav\u00edc. Podm\u00ednka plat\u00ed v\u00fdhradn\u011b pro prvn\u00ed \u00fav\u011br nov\u00e9ho klienta, nevztahuje se na opakovan\u00e9 \u010derp\u00e1n\u00ed. V\u00fdplata do deseti minut z\u00e1vis\u00ed na t\u0159ech konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch, kter\u00e9 je t\u0159eba splnit p\u0159edem Slogan \u201epen\u00edze do deseti minut“ nen\u00ed marketingov\u00e1 zkratka \u2013 m\u00e1 ale p\u0159esn\u00e9 podm\u00ednky. Zaprv\u00e9, \u017e\u00e1dost mus\u00ed b\u00fdt \u0159\u00e1dn\u011b dokon\u010dena: vypln\u011bna cel\u00e1, v\u010detn\u011b ov\u011b\u0159en\u00ed vlastnictv\u00ed bankovn\u00edho \u00fa\u010dtu. To prob\u00edh\u00e1 bu\u010f ov\u011b\u0159ovac\u00ed platbou z \u00fa\u010dtu \u017eadatele, nebo online ov\u011b\u0159en\u00edm. Zadruh\u00e9, \u017eadatel nesm\u00ed m\u00edt nesplacen\u00e9 dluhy u jin\u00fdch \u00fav\u011brov\u00fdch instituc\u00ed. Zat\u0159et\u00ed \u2013 a to b\u00fdv\u00e1 p\u0159ekvapen\u00edm \u2013 rychl\u00e9 p\u0159ips\u00e1n\u00ed plat\u00ed pouze pro majitele \u00fa\u010dtu u Raiffeisenbank nebo \u010cesk\u00e9 spo\u0159itelny, proto\u017ee jde o spolupracuj\u00edc\u00ed banky. Kdo m\u00e1 \u00fa\u010det u jin\u00e9 banky, m\u016f\u017ee \u010dekat d\u00e9le v z\u00e1vislosti na mezibankovn\u00edch lh\u016ft\u00e1ch. Kdo tyto t\u0159i body zkontroluje je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti, eliminuje nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny zdr\u017een\u00ed. Cel\u00fd proces prob\u00edh\u00e1 online a nevy\u017eaduje fyzickou n\u00e1v\u0161t\u011bvu pobo\u010dky ani dod\u00e1n\u00ed pap\u00edrov\u00fdch dokument\u016f. Kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed bez z\u00e1stavy m\u00e1 sv\u00e9 m\u00edsto v provozn\u00ed strategii podnikatele P\u016fj\u010dka na podnik\u00e1n\u00ed d\u00e1v\u00e1 smysl tam, kde je \u010dasov\u00fd nesoulad mezi p\u0159\u00edjmy a v\u00fddaji p\u0159edv\u00eddateln\u00fd a kr\u00e1tkodob\u00fd. Sez\u00f3nn\u00ed v\u00fdkyvy, prodleva v platb\u00e1ch od odb\u011bratel\u016f, n\u00e1hl\u00e1 pot\u0159eba z\u00e1sob nebo servisn\u00ed z\u00e1sah do vybaven\u00ed provozovny \u2013 to jsou situace, kde kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed pln\u00ed p\u0159esn\u011b vymezenou funkci. Dlouhodob\u00fd nebo struktur\u00e1ln\u00ed nedostatek cash flow t\u00edmto zp\u016fsobem \u0159e\u0161it nelze. Produkt je tak\u00e9 postaven bez po\u017eadavku na ru\u010ditele a bez z\u00e1stavy nemovitosti, co\u017e zkracuje administrativn\u00ed cestu a otev\u00edr\u00e1 p\u0159\u00edstup i t\u011bm OSV\u010c, kter\u00e9 nemaj\u00ed aktiva vhodn\u00e1 k zaji\u0161t\u011bn\u00ed. Sta\u010d\u00ed aktivn\u00ed I\u010cO, mobiln\u00ed telefon, e-mail a vlastn\u00ed bankovn\u00ed \u00fa\u010det; d\u00e9lka podnik\u00e1n\u00ed ani obor se neposuzuj\u00ed. Open Factor nab\u00edz\u00ed \u010d\u00e1stky od 5 000 K\u010d do 30 000 K\u010d se splatnost\u00ed 7 a\u017e 30 dn\u00ed, p\u0159i\u010dem\u017e d\u00e9lku si \u017eadatel vol\u00ed s\u00e1m p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti \u2013 a kdo splat\u00ed \u0159\u00e1dn\u011b a v\u010das, z\u00edsk\u00e1 slevu na p\u0159\u00edslu\u0161enstv\u00ed \u00fav\u011bru.","datePublished":"2026-06-19","dateModified":"2026-06-19","author":{"@type":"Person","@id":"https:\/\/www.zeleneslevy.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zeleneslevy.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zeleneslevy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zeleneslevy.cz\/wp-content\/uploads\/pujcka_h1TG9Q.jpg","url":"https:\/\/www.zeleneslevy.cz\/wp-content\/uploads\/pujcka_h1TG9Q.jpg","height":0,"width":0},"url":"https:\/\/www.zeleneslevy.cz\/podnikatelska-pujcka\/","about":["Pen\u00edze"],"wordCount":931,"articleBody":"        Faktura p\u0159i\u0161la ve st\u0159edu, splatnost byla v p\u00e1tek a na \u00fa\u010dtu chyb\u011blo dvacet tis\u00edc. Ne\u0161lo o krizi, \u0161lo o \u010dasov\u00e1n\u00ed \u2013 dodavatel cht\u011bl platbu p\u0159ed v\u00edkendem, odb\u011bratel pos\u00edlal pen\u00edze a\u017e p\u0159\u00ed\u0161t\u00ed t\u00fdden. P\u0159esn\u011b v takov\u00fdch momentech z\u00e1le\u017e\u00ed na tom, zda m\u00e1 podnikatel p\u0159\u00edstup k financov\u00e1n\u00ed, kter\u00e9 reaguje v hodin\u00e1ch, ne v t\u00fddnech. 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  Podnikatelsk\u00e1 p\u016fj\u010dka je z pr\u00e1vn\u00edho hlediska zcela jin\u00fd produkt ne\u017e spot\u0159ebitelsk\u00fd \u00fav\u011br. Zat\u00edmco spot\u0159ebitelsk\u00fd \u00fav\u011br se \u0159\u00edd\u00ed z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd ukl\u00e1d\u00e1 poskytovateli rozs\u00e1hl\u00e9 informa\u010dn\u00ed povinnosti a zav\u00e1d\u00ed povinn\u00fd ukazatel RPSN, podnikatelsk\u00fd \u00fav\u011br takov\u00e9 n\u00e1roky nem\u00e1. \u017dadatel v roli podnikatele p\u0159eb\u00edr\u00e1 plnou smluvn\u00ed odpov\u011bdnost, ale z\u00e1rove\u0148 z\u00edsk\u00e1v\u00e1 jednodu\u0161\u0161\u00ed a rychlej\u0161\u00ed proces. Pro OSV\u010c to v praxi znamen\u00e1 m\u00e9n\u011b pap\u00edrov\u00e1n\u00ed, \u017e\u00e1dn\u00e9 povinn\u00e9 lh\u016fty na rozmy\u0161lenou ze z\u00e1kona a zpracov\u00e1n\u00ed \u017e\u00e1dosti v \u0159\u00e1du minut. Tento rozd\u00edl je t\u0159eba ch\u00e1pat v\u011bcn\u011b: nen\u00ed tu m\u00e9n\u011b transparentnosti, jen jin\u00fd pr\u00e1vn\u00ed r\u00e1mec odpov\u00eddaj\u00edc\u00ed tomu, \u017ee podnikatel rozhoduje v r\u00e1mci sv\u00e9 ekonomick\u00e9 \u010dinnosti.  Da\u0148ov\u00e1 uznatelnost \u00farok\u016f a poplatk\u016f sni\u017euje re\u00e1ln\u00fd n\u00e1klad podnikatelsk\u00e9ho \u00fav\u011bru  M\u00e1lokdo p\u0159i kalkulaci ceny p\u016fj\u010dky bere v \u00favahu da\u0148ov\u00fd dopad. Pro podnikatele vedouc\u00ed da\u0148ovou evidenci nebo \u00fa\u010detnictv\u00ed p\u0159itom plat\u00ed konkr\u00e9tn\u00ed pravidlo: \u00faroky a poplatky spojen\u00e9 s podnikatelsk\u00fdm \u00fav\u011brem jsou da\u0148ov\u011b uznateln\u00fdm n\u00e1kladem. Pokud si OSV\u010c p\u016fj\u010d\u00ed na n\u00e1kup materi\u00e1lu, opravu provozovny nebo p\u0159edplacen\u00ed reklamy, poplatek za sjedn\u00e1n\u00ed i \u00farok se prom\u00edtnou do n\u00e1klad\u016f a sn\u00ed\u017e\u00ed z\u00e1klad dan\u011b. Re\u00e1ln\u00e1 cena financov\u00e1n\u00ed je tak ni\u017e\u0161\u00ed, ne\u017e ukazuje nomin\u00e1ln\u00ed \u010d\u00edslo. Ro\u010dn\u00ed \u00farokov\u00e1 sazba \u010din\u00ed 50 % p.a. a vedle n\u00ed je \u00fa\u010dtov\u00e1n poplatek za sjedn\u00e1n\u00ed a \u010derp\u00e1n\u00ed \u00fav\u011bru \u2013 oboje v\u0161ak jde pro aktivn\u00edho podnikatele do n\u00e1klad\u016f. Kdo tuto logiku opom\u00edj\u00ed, p\u0159eplat\u00ed m\u00e9n\u011b, ne\u017e si mysl\u00ed, nebo naopak odm\u00edtne financov\u00e1n\u00ed, kter\u00e9 by mu po zdan\u011bn\u00ed vy\u0161lo v\u00fdhodn\u011bji, ne\u017e se zd\u00e1lo. 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  Nov\u00ed klienti maj\u00ed k dispozici konkr\u00e9tn\u00ed v\u00fdhodu: prvn\u00ed p\u016fj\u010dka a\u017e do v\u00fd\u0161e 10 000 K\u010d se splatnost\u00ed 14 dn\u00ed p\u0159ich\u00e1z\u00ed se 100% slevou na poplatek za sjedn\u00e1n\u00ed. To v praxi znamen\u00e1, \u017ee poplatek, kter\u00fd by byl jinak sou\u010d\u00e1st\u00ed ceny \u00fav\u011bru, je p\u0159i spln\u011bn\u00ed podm\u00ednek nulov\u00fd. Zaplatit je t\u0159eba pouze \u00farok odpov\u00eddaj\u00edc\u00ed d\u00e9lce \u010derp\u00e1n\u00ed. Pro podnikatele, kter\u00fd si chce ov\u011b\u0159it, jak cel\u00fd produkt funguje, jde o p\u0159\u00edle\u017eitost bez zbyte\u010dn\u00e9ho rizika \u2013 bu\u010f pen\u00edze v\u010das vr\u00e1t\u00ed a pozn\u00e1 proces zbl\u00edzka, nebo zjist\u00ed, \u017ee produkt jeho pot\u0159eb\u00e1m neodpov\u00edd\u00e1, ani\u017e by za tento test platil poplatek nav\u00edc. Podm\u00ednka plat\u00ed v\u00fdhradn\u011b pro prvn\u00ed \u00fav\u011br nov\u00e9ho klienta, nevztahuje se na opakovan\u00e9 \u010derp\u00e1n\u00ed.  V\u00fdplata do deseti minut z\u00e1vis\u00ed na t\u0159ech konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch, kter\u00e9 je t\u0159eba splnit p\u0159edem  Slogan \u201epen\u00edze do deseti minut“ nen\u00ed marketingov\u00e1 zkratka \u2013 m\u00e1 ale p\u0159esn\u00e9 podm\u00ednky. Zaprv\u00e9, \u017e\u00e1dost mus\u00ed b\u00fdt \u0159\u00e1dn\u011b dokon\u010dena: vypln\u011bna cel\u00e1, v\u010detn\u011b ov\u011b\u0159en\u00ed vlastnictv\u00ed bankovn\u00edho \u00fa\u010dtu. To prob\u00edh\u00e1 bu\u010f ov\u011b\u0159ovac\u00ed platbou z \u00fa\u010dtu \u017eadatele, nebo online ov\u011b\u0159en\u00edm. Zadruh\u00e9, \u017eadatel nesm\u00ed m\u00edt nesplacen\u00e9 dluhy u jin\u00fdch \u00fav\u011brov\u00fdch instituc\u00ed. Zat\u0159et\u00ed \u2013 a to b\u00fdv\u00e1 p\u0159ekvapen\u00edm \u2013 rychl\u00e9 p\u0159ips\u00e1n\u00ed plat\u00ed pouze pro majitele \u00fa\u010dtu u Raiffeisenbank nebo \u010cesk\u00e9 spo\u0159itelny, proto\u017ee jde o spolupracuj\u00edc\u00ed banky. Kdo m\u00e1 \u00fa\u010det u jin\u00e9 banky, m\u016f\u017ee \u010dekat d\u00e9le v z\u00e1vislosti na mezibankovn\u00edch lh\u016ft\u00e1ch. Kdo tyto t\u0159i body zkontroluje je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti, eliminuje nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny zdr\u017een\u00ed. Cel\u00fd proces prob\u00edh\u00e1 online a nevy\u017eaduje fyzickou n\u00e1v\u0161t\u011bvu pobo\u010dky ani dod\u00e1n\u00ed pap\u00edrov\u00fdch dokument\u016f. Kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed bez z\u00e1stavy m\u00e1 sv\u00e9 m\u00edsto v provozn\u00ed strategii podnikatele  P\u016fj\u010dka na podnik\u00e1n\u00ed d\u00e1v\u00e1 smysl tam, kde je \u010dasov\u00fd nesoulad mezi p\u0159\u00edjmy a v\u00fddaji p\u0159edv\u00eddateln\u00fd a kr\u00e1tkodob\u00fd. Sez\u00f3nn\u00ed v\u00fdkyvy, prodleva v platb\u00e1ch od odb\u011bratel\u016f, n\u00e1hl\u00e1 pot\u0159eba z\u00e1sob nebo servisn\u00ed z\u00e1sah do vybaven\u00ed provozovny \u2013 to jsou situace, kde kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed pln\u00ed p\u0159esn\u011b vymezenou funkci. Dlouhodob\u00fd nebo struktur\u00e1ln\u00ed nedostatek cash flow t\u00edmto zp\u016fsobem \u0159e\u0161it nelze. Produkt je tak\u00e9 postaven bez po\u017eadavku na ru\u010ditele a bez z\u00e1stavy nemovitosti, co\u017e zkracuje administrativn\u00ed cestu a otev\u00edr\u00e1 p\u0159\u00edstup i t\u011bm OSV\u010c, kter\u00e9 nemaj\u00ed aktiva vhodn\u00e1 k zaji\u0161t\u011bn\u00ed. Sta\u010d\u00ed aktivn\u00ed I\u010cO, mobiln\u00ed telefon, e-mail a vlastn\u00ed bankovn\u00ed \u00fa\u010det; d\u00e9lka podnik\u00e1n\u00ed ani obor se neposuzuj\u00ed. Open Factor nab\u00edz\u00ed \u010d\u00e1stky od 5 000 K\u010d do 30 000 K\u010d se splatnost\u00ed 7 a\u017e 30 dn\u00ed, p\u0159i\u010dem\u017e d\u00e9lku si \u017eadatel vol\u00ed s\u00e1m p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti \u2013 a kdo splat\u00ed \u0159\u00e1dn\u011b a v\u010das, z\u00edsk\u00e1 slevu na p\u0159\u00edslu\u0161enstv\u00ed \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podnikatelsk\u00e1 p\u016fj\u010dka","item":"https:\/\/www.zeleneslevy.cz\/podnikatelska-pujcka\/#breadcrumbitem"}]}]