{"id":3841,"date":"2025-09-09T10:02:58","date_gmt":"2025-09-09T07:02:58","guid":{"rendered":"https:\/\/123credit.ro\/blog\/active-nefinanciare\/"},"modified":"2025-09-09T10:03:01","modified_gmt":"2025-09-09T07:03:01","slug":"active-nefinanciare","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/active-nefinanciare\/","title":{"rendered":"Cum te ajut\u0103 activele nefinanciare s\u0103 accesezi credite \u0219i s\u0103-\u021bi cre\u0219ti afacerea"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>Cum te ajut\u0103 activele nefinanciare s\u0103 accesezi credite \u0219i s\u0103-\u021bi cre\u0219ti afacerea<\/h1>\n<p>Activele nefinanciare sunt adesea privite ca simple bunuri \u00een contabilitate, \u00eens\u0103, \u00een realitate, ele pot fi cheia accesului la finan\u021bare \u0219i dezvoltare pentru orice firm\u0103. Prin defini\u021bie, activele nefinanciare sunt bunuri tangibile sau intangibile asupra c\u0103rora companiile de\u021bin dreptul de proprietate \u0219i care genereaz\u0103 beneficii economice prin utilizare, de\u021binere sau prin cedarea lor temporar\u0103 altor entit\u0103\u021bi. Spre deosebire de activele financiare (ac\u021biuni, obliga\u021biuni), valoarea lor nu se bazeaz\u0103 pe contracte de crean\u021b\u0103, ci pe caracteristici fizice sau intelectuale. \u00cen acest articol practic, vei afla cum s\u0103 recuno\u0219ti aceste active, ce rol joac\u0103 \u00een ob\u021binerea creditelor \u0219i cum s\u0103 le gestionezi corect pentru a-\u021bi cre\u0219te afacerea.<\/p>\n<h2>Ce sunt activele nefinanciare (\u0219i ce NU sunt)<\/h2>\n<p>Activele nefinanciare includ bunuri fizice precum terenuri, cl\u0103diri, ma\u0219ini, echipamente, dar \u0219i bunuri f\u0103r\u0103 substan\u021b\u0103 material\u0103, precum brevete, licen\u021be, m\u0103rci comerciale \u0219i goodwill. Elementul comun este c\u0103 aceste active nu pot fi tranzac\u021bionate pe pie\u021be financiare \u0219i \u00ee\u0219i valorific\u0103 poten\u021bialul prin utilizare direct\u0103 \u00een activitatea firmei. Spre deosebire, activele financiare sunt titluri care genereaz\u0103 venituri prin dob\u00e2nzi sau dividende \u0219i pot fi cump\u0103rate ori v\u00e2ndute oric\u00e2nd pe o pia\u021b\u0103 activ\u0103.<\/p>\n<p>Activele nefinanciare sunt incluse \u00een bilan\u021bul unei companii \u0219i sunt luate \u00een calcul de anali\u0219tii financiari pentru a evalua viabilitatea pe termen lung. Ele pot servi drept garan\u021bii pentru credite, iar valoarea lor poate cre\u0219te sau sc\u0103dea \u00een timp \u00een func\u021bie de pia\u021b\u0103 \u0219i de uzur\u0103.<\/p>\n<h2>Clasificarea activelor nefinanciare<\/h2>\n<p>\u00cen sistemul european de conturi (ESA 2010), activele nefinanciare se \u00eempart \u00een dou\u0103 mari categorii:<\/p>\n<ol>\n<li><strong>Active nefinanciare produse (AN.1)<\/strong>\n<p>Rezultate ale procesului de produc\u021bie: active fixe, stocuri \u0219i bunuri de valoare. Activele fixe sunt bunuri utilizate repetat \u00een produc\u021bie mai mult de un an (locuin\u021be, cl\u0103diri, utilaje, produse de proprietate intelectual\u0103). Stocurile includ materii prime, lucr\u0103ri \u00een curs \u0219i produse finite, iar bunurile de valoare sunt obiecte de art\u0103, bijuterii \u0219i metale pre\u021bioase.<\/p>\n<\/li>\n<li><strong>Active nefinanciare neproduse (AN.2)<\/strong>\n<p>Nu provin dintr-un proces de produc\u021bie: resurse naturale (terenuri, rezerve de minereuri, ape, p\u0103duri), contracte, leasinguri, licen\u021be \u0219i fonduri comerciale precum goodwill.<\/p>\n<\/li>\n<\/ol>\n<p>O alt\u0103 clasificare util\u0103 \u00een practic\u0103 este dup\u0103 natura bunului:<\/p>\n<ul>\n<li><strong>Tangibile:<\/strong> bunuri fizice (terenuri, cl\u0103diri, echipamente).<\/li>\n<li><strong>Intangibile:<\/strong> bunuri f\u0103r\u0103 form\u0103 fizic\u0103 (brevete, m\u0103rci comerciale, licen\u021be, software, goodwill).<\/li>\n<\/ul>\n<p>Uite, pe scurt, principalele subcategorii:<\/p>\n<table>\n<tr>\n<th>Categorie<\/th>\n<th>Subcategorie<\/th>\n<\/tr>\n<tr>\n<td>Active nefinanciare produse<\/td>\n<td>\n<ul>\n<li>Active fixe (cl\u0103diri, ma\u0219ini, echipamente, software)<\/li>\n<li>Stocuri: materii prime, lucr\u0103ri \u00een curs, produse finite<\/li>\n<li>Bunuri de valoare: bijuterii, opere de art\u0103<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Active nefinanciare neproduse<\/td>\n<td>\n<ul>\n<li>Resurse naturale (terenuri, rezerve de minereuri, p\u0103duri, ape)<\/li>\n<li>Contracte, leasinguri, licen\u021be: drepturi de exploatare, licen\u021be software, leasinguri cu valoare rezidual\u0103<\/li>\n<li>Fonduri comerciale: goodwill, m\u0103rci comerciale, rela\u021bii cu clien\u021bii<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/table>\n<h2>Cum influen\u021beaz\u0103 activele nefinanciare accesul la finan\u021bare<\/h2>\n<p>B\u0103ncile \u0219i investitorii privesc activele nefinanciare ca pe o garan\u021bie solid\u0103 atunci c\u00e2nd acord\u0103 \u00eemprumuturi. De pild\u0103, o companie care de\u021bine cl\u0103diri, ma\u0219ini sau echipamente \u00een proprietate poate contracta un credit garant\u00e2nd cu aceste bunuri. \u00cen multe cazuri, institu\u021biile financiare solicit\u0103 dovada de\u021binerii (acte de proprietate, registre de inventar) \u0219i efectueaz\u0103 o evaluare pentru a stabili valoarea real\u0103 a garan\u021biei.<\/p>\n<p>Activele intangibile pot, de asemenea, sus\u021bine accesul la finan\u021bare. O marc\u0103 \u00eenregistrat\u0103 cunoscut\u0103 sau un portofoliu de brevete poate cre\u0219te valoarea companiei \u00een ochii investitorilor, de\u0219i evaluarea acestor active este mai complex\u0103. Goodwill-ul (reputa\u021bia, rela\u021biile cu clien\u021bii) poate fi luat \u00een calcul la evaluarea unei firme \u00een vederea v\u00e2nz\u0103rii sau atragerii de capital de risc.<\/p>\n<h2>Amortizarea \u0219i deprecierea activelor nefinanciare<\/h2>\n<p>Majoritatea activelor nefinanciare tangibile se depreciaz\u0103 \u00een timp. Ma\u0219inile \u0219i echipamentele, de exemplu, pierd valoare prin uzur\u0103, iar aceast\u0103 pierdere se reflect\u0103 \u00een contabilitate prin amortizare. Procesul de amortizare distribuie costul ini\u021bial al unui activ pe durata sa de via\u021b\u0103, influen\u021b\u00e2nd profitul impozabil \u0219i cash flow-ul firmei. Excep\u021bie face terenul, care, \u00een multe cazuri, se poate aprecia. Activele intangibile, precum licen\u021bele sau brevetele, se amortizeaz\u0103 pe perioada de via\u021b\u0103 economic\u0103.<\/p>\n<p>O bun\u0103 gestiune presupune \u00eenregistrarea corect\u0103 \u00een contabilitate \u0219i revizuirea periodic\u0103 a valorii de pia\u021b\u0103. \u00cen plus, trebuie urm\u0103rit\u0103 durata de utilizare r\u0103mas\u0103 pentru a decide momentul \u00een care activele trebuie \u00eenlocuite sau v\u00e2ndute.<\/p>\n<h2>Exemplu reprezentativ<\/h2>\n<p>S\u0103 lu\u0103m exemplul unui mic atelier de produc\u021bie. Proprietarul de\u021bine:<\/p>\n<ul>\n<li>o hal\u0103 (active fix),<\/li>\n<li>utilaje pentru prelucrare (active fixe)<\/li>\n<li>\u0219i un brevet pentru un design unic de produs (activ intangibil).<\/li>\n<\/ul>\n<p>C\u00e2nd decide s\u0103-\u0219i extind\u0103 afacerea \u0219i solicit\u0103 un credit, banca \u00eei cere garan\u021bii. Proprietarul prezint\u0103 actele de proprietate ale halei \u0219i utilajelor, plus documenta\u021bia brevetului.<\/p>\n<p>Banca evalueaz\u0103 aceste active: cl\u0103direa \u0219i utilajele au o valoare de pia\u021b\u0103 clar\u0103 \u0219i pot fi folosite ca garan\u021bii, iar brevetul adaug\u0103 valoare suplimentar\u0103, demonstr\u00e2nd poten\u021bialul de venit viitor. Pe baza acestei evalu\u0103ri, firma ob\u021bine un credit avantajos, pe care \u00eel folose\u0219te pentru a achizi\u021biona noi echipamente \u0219i pentru a-\u0219i extinde portofoliul.<\/p>\n<h2>Concluzie<\/h2>\n<p>Activele nefinanciare sunt mai mult dec\u00e2t simple bunuri trecute \u00een bilan\u021b. Ele sunt resurse esen\u021biale ce pot sus\u021bine dezvoltarea unei companii, fie ca garan\u021bii pentru credite, fie ca elemente care \u00eei cresc valoarea pe termen lung. Diferen\u021ba fa\u021b\u0103 de activele financiare const\u0103 \u00een modul \u00een care \u00ee\u0219i genereaz\u0103 valoarea \u0219i \u00een faptul c\u0103 nu pot fi u\u0219or tranzac\u021bionate. Pentru a beneficia din plin de aceste resurse, firmele ar trebui s\u0103 \u021bin\u0103 un inventar detaliat, s\u0103 evalueze periodic activele \u0219i s\u0103 planifice \u00eenlocuirea celor depreciate. \u00cen final, \u00eentreab\u0103-te: ce active nefinanciare de\u021bii \u0219i cum le po\u021bi valorifica pentru a accelera cre\u0219terea afacerii tale?<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Ce tipuri de active nefinanciare sunt cel mai u\u0219or de evaluat?<\/h3>\n<p>Activele tangibile (cl\u0103diri, terenuri, utilaje) sunt \u00een general mai u\u0219or de evaluat, deoarece au o pia\u021b\u0103 transparent\u0103 \u0219i pre\u021buri de referin\u021b\u0103. Activele intangibile necesit\u0103 metode specifice (fluxuri de numerar viitoare, compara\u021bii de pia\u021b\u0103).<\/p>\n<h3>2. Pot garanta un credit doar cu active nefinanciare?<\/h3>\n<p>Da, multe b\u0103nci accept\u0103 active nefinanciare ca garan\u021bii, \u00eens\u0103 pot solicita \u0219i alte documente care demonstreaz\u0103 capacitatea de plat\u0103. Valoarea garan\u021biei va influen\u021ba m\u0103rimea creditului.<\/p>\n<h3>3. Cum se calculeaz\u0103 amortizarea unui activ nefinanciar?<\/h3>\n<p>\u00cen Rom\u00e2nia, amortizarea se calculeaz\u0103 \u00een func\u021bie de durata de via\u021b\u0103 util\u0103 stabilit\u0103 prin catalogul mijloacelor fixe. Exist\u0103 metode liniare, degresive sau accelerate, \u00een func\u021bie de tipul activului \u0219i de op\u021biunile fiscale.<\/p>\n<h3>4. Ce diferen\u021b\u0103 e \u00eentre active nefinanciare \u0219i investi\u021bii?<\/h3>\n<p>Investi\u021biile sunt cheltuieli f\u0103cute cu scopul de a ob\u021bine profit viitor \u0219i pot include at\u00e2t active financiare (ac\u021biuni, obliga\u021biuni), c\u00e2t \u0219i nefinanciare (echipamente). Activele nefinanciare sunt obiectul investi\u021biei, nu investi\u021bia \u00een sine.<\/p>\n<h3>5. Cum \u00eenregistrez corect activele nefinanciare \u00een contabilitate?<\/h3>\n<p>Acestea trebuie \u00eenregistrate la costul de achizi\u021bie sau la valoarea de pia\u021b\u0103 dac\u0103 sunt contribu\u021bii \u00een natur\u0103. Ulterior, se aplic\u0103 amortizarea conform legisla\u021biei \u0219i se actualizeaz\u0103 valoarea \u00een cazul reevalu\u0103rilor.<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" 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alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Cum te ajut\u0103 activele nefinanciare s\u0103 accesezi credite \u0219i s\u0103-\u021bi cre\u0219ti afacerea Activele nefinanciare sunt adesea privite ca simple bunuri \u00een contabilitate, \u00eens\u0103, \u00een realitate, ele pot fi cheia accesului la finan\u021bare \u0219i dezvoltare pentru orice firm\u0103. Prin defini\u021bie, activele nefinanciare sunt bunuri tangibile sau intangibile asupra c\u0103rora companiile de\u021bin dreptul de proprietate \u0219i care genereaz\u0103 beneficii economice prin utilizare,  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":3840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum te ajut\u0103 activele nefinanciare s\u0103 accesezi credite \u0219i s\u0103-\u021bi cre\u0219ti afacerea - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Activele nefinanciare pot fi cheia accesului la finan\u021bare pentru afacerea ta. 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