{"id":360,"date":"2020-03-11T16:59:00","date_gmt":"2020-03-11T15:59:00","guid":{"rendered":"http:\/\/stage.creddo.se\/?p=360"},"modified":"2025-02-16T17:55:50","modified_gmt":"2025-02-16T16:55:50","slug":"sa-raddar-du-foretaget-i-kristider","status":"publish","type":"post","link":"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/","title":{"rendered":"S\u00e5 r\u00e4ddar du som f\u00f6retagare din verksamhet i kristider!"},"content":{"rendered":"\n

Det r\u00e5der ingen tvekan om att vi just nu lever och arbetar under extraordin\u00e4ra omst\u00e4ndigheter. COVID-19 \u00e4r inte bara en h\u00e4lsom\u00e4ssig fara, utan st\u00e4ller \u00e4ven till det ekonomiskt f\u00f6r b\u00e5de f\u00f6retag och privatpersoner. <\/p>\n\n\n\n

Extra utsatta \u00e4r sm\u00e5f\u00f6retagare<\/a>, som arbetar med redan sm\u00e5 marginaler och som inte har samma skyddsn\u00e4t som v\u00e4letablerade storf\u00f6retag.<\/p>\n\n\n\n

Hur p\u00e5verkar Coronakrisen mig som f\u00f6retagare?<\/h2>\n\n\n\n

COVID-19 har p\u00e5verkat v\u00e4rldsekonomin, och en stor andel av v\u00e4rldens f\u00f6retag blir p\u00e5 ett eller annat s\u00e4tt p\u00e5verkade. M\u00e5nga st\u00e4der har f\u00f6rsatts i karant\u00e4n, landsgr\u00e4nser har st\u00e4ngts igen och regeringar har uppmanat sitt folk att h\u00e5lla sig inomhus. <\/p>\n\n\n\n

Dessa restriktioner har lett till en kraftig minskning av konsumtion under det f\u00f6rsta kvartalet.<\/p>\n\n\n\n

Majoriteten av de svenska f\u00f6retagen bl\u00f6der ekonomiskt p\u00e5 grund av de minskade int\u00e4kterna, och f\u00f6r att stoppa bl\u00f6dningen tvingas m\u00e5nga att varsla personal och g\u00f6ra budgetnedsk\u00e4rningar. <\/p>\n\n\n\n

Detta f\u00f6rs\u00e4tter f\u00f6retagen i en negativ spiral som kan ta tid att ta sig ur. Den ekonomiska situationen medf\u00f6r ett stort stressp\u00e5slag f\u00f6r samtliga sm\u00e5f\u00f6retagare i Sverige, men trots att situationen k\u00e4nns oh\u00e5llbar finns det \u00e5tg\u00e4rder att ta f\u00f6r att minska de negativa effekterna.<\/p>\n\n\n\n

Korttidsl\u00e5n<\/h3>\n\n\n\n

Att l\u00e5na pengar \u00e4r inget nytt f\u00f6r f\u00f6retagare, och ett f\u00f6retagsl\u00e5n kan vara f\u00f6rdelaktigt<\/a> \u00e4ven n\u00e4r f\u00f6retaget har en v\u00e4lfungerande ekonomi, och egentligen inte befinner sig i en n\u00f6dsituation. <\/p>\n\n\n\n

Trots en v\u00e4lfungerande ekonomi h\u00e4nder det ibland att man inte alltid har likvida medel tillg\u00e4ngliga f\u00f6r att starta upp ett projekt, eller ro ett projekt i land som man startat sedan tidigare. <\/p>\n\n\n\n

Ett korttidsl\u00e5n kan vara ett alternativ f\u00f6r att f\u00e5 in mer likviditet i bolaget. J\u00e4mf\u00f6r enkelt l\u00e5ngivare som kan erbjuda f\u00f6rdelaktiga f\u00f6retagsl\u00e5n med l\u00e5g r\u00e4nta<\/a> hos oss p\u00e5 Creddo. <\/p>\n\n\n\n

Korttidsl\u00e5n kan ibland \u00e5terbetalas inom 30 dagar, men l\u00e5ntagaren kan \u00e4ven v\u00e4lja att amortera av l\u00e5net under n\u00e5gra m\u00e5naders tid. I dessa os\u00e4kra Corona-tider kan det vara sv\u00e5rt f\u00f6r dig som f\u00f6retagare att veta n\u00e4r int\u00e4kterna \u00f6kar igen. Detta g\u00f6r att ett s\u00e5 kallat bryggl\u00e5n kan vara ett bra alternativ f\u00f6r att s\u00e4kra den kortsiktiga finansieringen.<\/p>\n\n\n\n

\nG\u00f6r en kostnadsfri ans\u00f6kan<\/a>\n<\/p>\n\n\n\n

Hur fungerar ett bryggl\u00e5n?<\/h4>\n\n\n\n

M\u00e5nga sm\u00e5f\u00f6retagare har drabbats av inkomstbortfall i och med COVID-19, och i vissa fall kan det kr\u00e4vas ett korttidsl\u00e5n f\u00f6r att r\u00e4dda f\u00f6retaget. Ett alternativ \u00e4r att ta ett \u00f6verbryggningsl\u00e5n (bryggl\u00e5n). Ett bryggl\u00e5n \u00e4r ett korttidsl\u00e5n som oftast betalas tillbaka i en eng\u00e5ngssumma inom 1-6 m\u00e5nader. <\/p>\n\n\n\n

R\u00e4ntan f\u00f6r ett bryggl\u00e5n \u00e4r ofta l\u00e5g, och betalas tillbaka tillsammans samtidigt som kapitalbeloppet. <\/p>\n\n\n\n

Regeringens steg f\u00f6r att hj\u00e4lpa f\u00f6retagare<\/strong><\/h3>\n\n\n\n

Ibland kan det k\u00e4nnas ensamt som f\u00f6retagare i dessa tider, men de flesta f\u00f6retag \u00e4r i samma sits, vilket har gjort att regeringen insett allvaret i situationen och valt att agera. <\/p>\n\n\n\n

F\u00f6r att minska det ekonomiska effekterna av Coronaviruset har regeringen d\u00e4rf\u00f6r tagit fram ett antal f\u00f6rslag f\u00f6r att st\u00f6dja privatpersoner och f\u00f6retag i dessa kristider.<\/p>\n\n\n\n

Ers\u00e4ttning f\u00f6r sjukl\u00f6nekostnader<\/h3>\n\n\n\n

Staten kommer att ta \u00f6ver sjukl\u00f6neansvaret f\u00f6r de tv\u00e5 kommande m\u00e5naderna, och det befintliga st\u00f6det f\u00f6r ers\u00e4ttning f\u00f6r h\u00f6ga sjukl\u00f6nekostnader kommer att bli mer gener\u00f6sa. Detta betyder att arbetsgivaren kommer att betala ut sjukl\u00f6n precis som vanligt, men kommer sedan att f\u00e5 ers\u00e4ttning av staten. <\/p>\n\n\n\n

Denna drastiska \u00e5tg\u00e4rd \u00e4r till f\u00f6r att skydda dig som f\u00f6retagare, och f\u00f6r att de anst\u00e4llda ska v\u00e4lja att stanna hemma vid sjukdom f\u00f6r att minimera risken f\u00f6r smittspridning. <\/p>\n\n\n\n

Sjukpenning till egenf\u00f6retagare<\/h3>\n\n\n\n

Alla egenf\u00f6retagare med F-skatt kommer att bli kompenserade vid sjukdom och f\u00e5 upp till fjorton karensdagar i sjukperioden fr\u00e5n och med den 11 mars. Dessa regler kommer att g\u00e4lla fram till och med den 31 maj.<\/p>\n\n\n\n

Korttids-permittering<\/h3>\n\n\n\n

Regeringen har \u00e4ven valt att underl\u00e4tta f\u00f6r f\u00f6retag genom korttids-permittering. Staten kommer att ta tre fj\u00e4rdedelar av kostnaden f\u00f6r att personal ska kunna g\u00e5 ned i arbetstid, vilken inneb\u00e4r att arbetsgivarens l\u00f6nekostnader kan minska med h\u00e4lften. <\/p>\n\n\n\n

Detta g\u00f6r att du som f\u00f6retagare ska slippa varsla personal och p\u00e5 s\u00e5 s\u00e4tt ha m\u00f6jligheten att snabbt v\u00e4xla upp n\u00e4r l\u00e4get \u00e5terg\u00e5r till det normala.<\/p>\n\n\n\n

Likviditetsf\u00f6rst\u00e4rkning via skattekontot<\/h3>\n\n\n\n

F\u00f6r att st\u00e4rka likviditeten hos de svenska f\u00f6retagen har regeringen f\u00f6reslagit att f\u00f6retag kan f\u00e5 anst\u00e5nd med betalning av arbetsgivaravgifter, prelimin\u00e4rskatt p\u00e5 l\u00f6n och \u00e4ven merv\u00e4rdesskatt som redovisas m\u00e5nadsvis och kvartalsvis. <\/p>\n\n\n\n

Detta inneb\u00e4r att f\u00f6retag som redan betalat in skatt p\u00e5 sitt skattekonto fr\u00e5n januari till mars kan f\u00e5 tillbaka skattepengarna fr\u00e5n Skatteverket. Tanken \u00e4r att de nya reglerna ska b\u00f6rja g\u00e4lla den 7 april. Om du som f\u00f6retagare har drabbats med inkomstbortfall till f\u00f6lj av Coronaviruset \u00e4r det \u00e4r viktigt att vara uppm\u00e4rksam p\u00e5 de nya reglerna. <\/p>\n\n\n\n

Vi rekommenderar dig att se \u00f6ver din debiterade prelimin\u00e4rskatt, d\u00e5 risken \u00e4r att din prelimin\u00e4ra F-skatt \u00e4r f\u00f6r h\u00f6g, n\u00e4r inkomsterna \u00e4r mindre \u00e4n f\u00f6rv\u00e4ntat.<\/p>\n\n\n\n

L\u00e5negaranti till sm\u00e5- och medelstora f\u00f6retag<\/h4>\n\n\n\n

Regeringen har l\u00f6pande presenterat f\u00f6rslag som inneb\u00e4r l\u00e5negaranti f\u00f6r f\u00f6retag som drabbats ekonomiskt av Coronaviruset. F\u00f6rslagen riktar sig fr\u00e4mst till sm\u00e5- och medelstora f\u00f6retag, och skulle inneb\u00e4ra att staten garanterar 70% av l\u00e5n som bankerna ger till f\u00f6retag som drabbats av COVID-19. <\/p>\n\n\n\n

F\u00f6r att beviljas ett l\u00e5n under de nya reglerna kr\u00e4vs det att f\u00f6retaget drabbats ekonomiskt av viruset. Regeringen po\u00e4ngterar \u00e4ven att l\u00e5nen inte f\u00e5r anv\u00e4ndas f\u00f6r att dela ut bonusar eller andra vinstuttag.<\/p>\n","protected":false},"excerpt":{"rendered":"

Det r\u00e5der ingen tvekan om att vi just nu lever och arbetar under extraordin\u00e4ra omst\u00e4ndigheter. COVID-19 \u00e4r inte bara en h\u00e4lsom\u00e4ssig fara, utan st\u00e4ller \u00e4ven till det ekonomiskt f\u00f6r b\u00e5de f\u00f6retag och privatpersoner. Extra utsatta \u00e4r sm\u00e5f\u00f6retagare, som arbetar med redan sm\u00e5 marginaler och som inte har samma skyddsn\u00e4t som v\u00e4letablerade storf\u00f6retag. Hur p\u00e5verkar Coronakrisen […]<\/p>\n","protected":false},"author":8,"featured_media":2108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[39,28],"tags":[],"class_list":["post-360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alla-kategorier","category-ekonomi-och-foretagande"],"acf":[],"yoast_head":"\nS\u00e5 r\u00e4ddar du som f\u00f6retagare din verksamhet i kristider!<\/title>\n<meta name=\"description\" content=\"Att vara f\u00f6retagare \u00e4r inte l\u00e4tt i den kristid som covid-19 har skapat f\u00f6r m\u00e5nga. Vi listar de st\u00f6d som finns f\u00f6r din verksamhet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00e5 r\u00e4ddar du som f\u00f6retagare din verksamhet i kristider!\" \/>\n<meta property=\"og:description\" content=\"Det r\u00e5der ingen tvekan om att vi just nu lever och arbetar under extraordin\u00e4ra omst\u00e4ndigheter. COVID-19 \u00e4r inte bara en h\u00e4lsom\u00e4ssig fara, utan st\u00e4ller\" \/>\n<meta property=\"og:url\" content=\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\" \/>\n<meta property=\"og:site_name\" content=\"Creddo\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/creddose\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-11T15:59:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-16T16:55:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/creddo.com\/se\/wp-content\/uploads\/2020\/03\/kristider-for-foretag.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Anndala Ehrstedt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anndala Ehrstedt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\"},\"author\":{\"name\":\"Anndala Ehrstedt\",\"@id\":\"https:\/\/creddo.com\/se\/#\/schema\/person\/9757ab8f89988d2935d88486923999d7\"},\"headline\":\"S\u00e5 r\u00e4ddar du som f\u00f6retagare din verksamhet i kristider!\",\"datePublished\":\"2020-03-11T15:59:00+00:00\",\"dateModified\":\"2025-02-16T16:55:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\"},\"wordCount\":1060,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/creddo.com\/se\/#organization\"},\"image\":{\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/creddo.com\/se\/wp-content\/uploads\/2020\/03\/kristider-for-foretag.jpg\",\"articleSection\":[\"Alla kategorier\",\"Ekonomi & F\u00f6retagande\"],\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\",\"url\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/\",\"name\":\"S\u00e5 r\u00e4ddar du som f\u00f6retagare din verksamhet i kristider!\",\"isPartOf\":{\"@id\":\"https:\/\/creddo.com\/se\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/creddo.com\/se\/experthornan\/sa-raddar-du-foretaget-i-kristider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/creddo.com\/se\/wp-content\/uploads\/2020\/03\/kristider-for-foretag.jpg\",\"datePublished\":\"2020-03-11T15:59:00+00:00\",\"dateModified\":\"2025-02-16T16:55:50+00:00\",\"description\":\"Att vara f\u00f6retagare \u00e4r inte l\u00e4tt i den kristid som covid-19 har skapat f\u00f6r m\u00e5nga. 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