{"id":21025,"date":"2024-11-11T17:18:43","date_gmt":"2024-11-11T15:18:43","guid":{"rendered":"https:\/\/startco.ro\/blog\/?p=21025"},"modified":"2026-10-29T09:06:09","modified_gmt":"2026-10-29T07:06:09","slug":"cum-creditezi-firma-ca-asociat-ghid-complet-model-contract","status":"publish","type":"post","link":"https:\/\/startco.ro\/blog\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\/","title":{"rendered":"Cum creditezi firma ca asociat: pa\u0219i, dob\u00e2nd\u0103, reguli \u0219i model de contract"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ai nevoie de bani \u00een firm\u0103 pentru stocuri, salarii sau un client care \u00eent\u00e2rzie cu plata? Cea mai rapid\u0103 solu\u021bie e, de multe ori, chiar \u00een buzunarul t\u0103u: \u00ee\u021bi \u00eemprumu\u021bi firma ca asociat. Creditarea firmei e legal\u0103, simpl\u0103 \u0219i nici nu trebuie s\u0103 faci drumuri pe la b\u0103nci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vezi mai jos pa\u0219ii clari prin care po\u021bi s\u0103-\u021bi creditezi firma ca asociat, regulile fiscale actuale \u0219i un model de contract.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Cuprins<\/h2><ul><li><a href=\"#h-ce-inseamna-sa-creditezi-firma\" data-level=\"2\">Ce \u00eenseamn\u0103 s\u0103 creditezi firma?<\/a><\/li><li><a href=\"#h-cum-creditezi-firma-pas-cu-pas\" data-level=\"2\">Cum creditezi firma, pas cu pas<\/a><\/li><li><a href=\"#h-dobanda-\u0219i-rambursarea-ce-trebuie-sa-\u0219tii\" data-level=\"2\">Dob\u00e2nda \u0219i rambursarea: ce trebuie s\u0103 \u0219tii<\/a><\/li><li><a href=\"#h-ce-mai-trebuie-sa-\u0219tii-despre-creditarea-firmei\" data-level=\"2\">Ce mai trebuie s\u0103 \u0219tii despre creditarea firmei<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 id=\"h-ce-inseamna-sa-creditezi-firma\" class=\"wp-block-heading\">Ce \u00eenseamn\u0103 s\u0103 creditezi firma?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pe scurt, s\u0103 creditezi firma \u00eenseamn\u0103 s\u0103-i dai bani cu \u00eemprumut din contul t\u0103u personal. Firma devine datoare fa\u021b\u0103 de tine, iar tu e\u0219ti creditorul ei. Banii <a href=\"https:\/\/startco.ro\/blog\/ce-este-capitalul-social-al-unui-srl\/\" target=\"_blank\" rel=\"noreferrer noopener\">nu devin capital social<\/a> \u0219i pot fi returna\u021bi, \u00een condi\u021biile din contract \u0219i ale legii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Creditarea firmei are sens c\u00e2nd<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>e\u0219ti la \u00eenceput \u0219i ai cheltuieli de pornire p\u00e2n\u0103 vin primele \u00eencas\u0103ri;<\/li>\n\n\n\n<li>ai clien\u021bi care \u00eent\u00e2rzie, iar tu trebuie s\u0103 pl\u0103te\u0219ti salarii, chirie sau furnizori;<\/li>\n\n\n\n<li>vrei s\u0103 faci o investi\u021bie rapid\u0103 f\u0103r\u0103 s\u0103 a\u0219tep\u021bi un credit bancar;<\/li>\n\n\n\n<li>ai nevoie de bani pentru o perioad\u0103 limitat\u0103 \u0219i vrei s\u0103-i recuperezi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Trebuie s\u0103 \u0219tii c\u0103 <strong>exist\u0103 \u0219i alternative<\/strong>: <a href=\"https:\/\/startco.ro\/blog\/majorare-capital-social\/\" target=\"_blank\" rel=\"noreferrer noopener\">majorarea capitalului social<\/a> (prin aport nou sau prin conversia \u00eemprumutului) sau creditul bancar. \u00cemprumutul e varianta potrivit\u0103 pentru nevoi temporare. Dac\u0103 firma are nevoie de bani pe termen lung sau are deja pierderi mari, majorarea capitalului poate fi varianta mai bun\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firma poate lua \u0219i un credit de la o banc\u0103 sau un IFN, util pentru sume mari, dar cu costuri \u0219i garan\u021bii.<\/p>\n\n\n\n<h2 id=\"h-cum-creditezi-firma-pas-cu-pas\" class=\"wp-block-heading\">Cum creditezi firma, pas cu pas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-pasul-1-verifica-bilan\u021bul\"><strong>Pasul 1: Verific\u0103 bilan\u021bul<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00centreab\u0103 contabilul cum st\u0103 <strong>activul net al firmei<\/strong>. Dac\u0103 e deja sub jum\u0103tate din capitalul social, \u0219tii de la \u00eenceput c\u0103 banii nu se vor putea \u00eentoarce la tine prea cur\u00e2nd. \u00cen cazul \u0103sta, vezi dac\u0103 nu e mai bine o majorare de capital, care \u00eent\u0103re\u0219te \u0219i bilan\u021bul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-pasul-2-intocme\u0219te-\u0219i-semneaza-contractul-de-imprumut\"><strong>Pasul 2: \u00centocme\u0219te \u0219i semneaz\u0103 contractul de \u00eemprumut<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cenainte s\u0103 mu\u021bi banii, semneaz\u0103 contractul cu firma. Dac\u0103 e\u0219ti asociat unic, contractul trebuie \u00eencheiat \u00een form\u0103 scris\u0103. Dac\u0103 sunte\u021bi mai mul\u021bi asocia\u021bi, e recomandat ca \u00eemprumutul \u0219i condi\u021biile lui s\u0103 fie aprobate printr-o hot\u0103r\u00e2re AGA, mai ales dac\u0103 <a href=\"https:\/\/startco.ro\/blog\/care-este-diferenta-dintre-administrator-si-asociat\/\" target=\"_blank\" rel=\"noreferrer noopener\">cel care \u00eemprumut\u0103 e \u0219i administrator<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce trebuie s\u0103 con\u021bin\u0103 contractul:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>p\u0103r\u021bile, suma \u0219i moneda<\/strong>;<\/li>\n\n\n\n<li><strong>modul de plat\u0103<\/strong>: exclusiv prin transfer bancar, cu IBAN-ul t\u0103u \u0219i al firmei;<\/li>\n\n\n\n<li><strong>termenul de rambursare<\/strong> \u0219i dac\u0103 firma poate rambursa mai devreme;<\/li>\n\n\n\n<li><strong>dob\u00e2nda<\/strong>: 0% sau \u201eX% pe an\u201d, cu modul de calcul \u0219i scaden\u021bele;<\/li>\n\n\n\n<li>destina\u021bia banilor (op\u021bional, dar util\u0103 la un control);<\/li>\n\n\n\n<li>o clauz\u0103 care prevede c\u0103 rambursarea se face doar \u00een condi\u021biile permise de lege, inclusiv regulile privind activul net;<\/li>\n\n\n\n<li>posibilitatea de <strong>conversie a \u00eemprumutului<\/strong> \u00een capital social;<\/li>\n\n\n\n<li><strong>semn\u0103turile \u0219i data<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">E bine ca contractul s\u0103 aib\u0103 dat\u0103 cert\u0103, adic\u0103 o dovad\u0103 opozabil\u0103 ter\u021bilor c\u0103 a fost semnat la data scris\u0103 pe el. O ob\u021bii, de exemplu, prin atestarea de c\u0103tre un avocat sau prin \u00eenvestirea cu dat\u0103 cert\u0103 la un notar. <a href=\"https:\/\/startco.ro\/blog\/ce-este-semnatura-electronica-digitala\/\" target=\"_blank\" rel=\"noreferrer noopener\">Semn\u0103tura electronic\u0103 calificat\u0103<\/a>, cu marc\u0103 temporal\u0103, ajut\u0103 \u0219i ea ca prob\u0103 a datei (doar \u00eenregistrarea \u00een registrul intern al firmei nu ofer\u0103 dat\u0103 cert\u0103 fa\u021b\u0103 de ter\u021bi). Conteaz\u0103 mai ales dac\u0103 firma ajunge vreodat\u0103 \u00een insolven\u021b\u0103 \u0219i creditorii verific\u0103 \u00eemprumuturile asocia\u021bilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 ai nevoie de un model de contract de creditare a firmei, <a href=\"https:\/\/www.google.com\/url?q=https:\/\/startco.ro\/blog\/wp-content\/uploads\/Model-contract-creditare-firma-1.docx&amp;sa=D&amp;source=docs&amp;ust=1792763100640915&amp;usg=AOvVaw3urVcG3t-t_V1nRb0FOgnR\" target=\"_blank\" rel=\"noreferrer noopener\">\u00eel po\u021bi desc\u0103rca de aici<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-pasul-3-transfera-banii-din-contul-tau-in-contul-firmei\"><strong>Pasul 3: Transfer\u0103 banii din contul t\u0103u \u00een contul firmei<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Folose\u0219te doar transferul bancar, <a href=\"https:\/\/startco.ro\/blog\/deschiderea-contului-bancar-pentru-firma\/\" target=\"_blank\" rel=\"noreferrer noopener\">din contul t\u0103u personal \u00een contul firmei<\/a>. La explica\u021bii scrie ceva clar, de exemplu \u201e\u00eemprumut asociat conform contract nr. 1\/[data]\u201d. Nu depune bani \u00een casieria firmei<strong>, \u00eemprumuturile \u00een numerar sunt interzise<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-pasul-4-trimite-actele-contabilului\"><strong>Pasul 4: Trimite actele contabilului<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/startco.ro\/contabilitate-srl\" target=\"_blank\" rel=\"noreferrer noopener\">Contabilul \u00eenregistreaz\u0103 suma<\/a> ca datorie a firmei fa\u021b\u0103 de tine: pe termen scurt, de regul\u0103, \u00een contul de decont\u0103ri cu asocia\u021bii, iar pe termen lung, la \u00eemprumuturi. P\u0103streaz\u0103 contractul \u0219i extrasele \u00eempreun\u0103, la dosarul firmei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-pasul-5-urmare\u0219te-soldul\"><strong>Pasul 5: Urm\u0103re\u0219te soldul<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cere contabilului, o dat\u0103 pe an, o situa\u021bie a sumelor datorate \u021bie. \u00ce\u021bi va trebui la rambursare, la o eventual\u0103 v\u00e2nzare a firmei sau la \u00eenchiderea ei.<\/p>\n\n\n\n<h2 id=\"h-dobanda-\u0219i-rambursarea-ce-trebuie-sa-\u0219tii\" class=\"wp-block-heading\">Dob\u00e2nda \u0219i rambursarea: ce trebuie s\u0103 \u0219tii<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-daca-pui-dobanda\"><strong>Dac\u0103 pui dob\u00e2nd\u0103<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dob\u00e2nda e venit din investi\u021bii pentru tine.<\/strong> Impozitul e de 10%, re\u021binut la surs\u0103 de firm\u0103 c\u00e2nd \u00ee\u021bi pl\u0103te\u0219te dob\u00e2nda. E impozit final, deci nu-l mai declari tu separat.<\/li>\n\n\n\n<li><strong>Firma declar\u0103 \u0219i pl\u0103te\u0219te impozitul re\u021binut<\/strong> prin D100, p\u00e2n\u0103 pe 25 a lunii urm\u0103toare pl\u0103\u021bii dob\u00e2nzii.<\/li>\n\n\n\n<li><strong>Firma raporteaz\u0103 anual dob\u00e2nzile pl\u0103tite<\/strong> prin D205, p\u00e2n\u0103 la sf\u00e2r\u0219itul lunii februarie a anului urm\u0103tor.<\/li>\n\n\n\n<li><strong>CASS:<\/strong> dob\u00e2nda intr\u0103 \u00een totalul veniturilor tale din investi\u021bii, al\u0103turi de dividende sau c\u00e2\u0219tiguri din v\u00e2nzarea de p\u0103r\u021bi sociale. Dac\u0103 totalul ajunge la cel pu\u021bin 6 salarii minime brute pe an, datorezi CASS de 10%, <a href=\"https:\/\/startco.ro\/blog\/ghid-depunere-declaratie-unica\/\" target=\"_blank\" rel=\"noreferrer noopener\">prin Declara\u021bia unic\u0103<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-conteaza-regimul-fiscal-al-firmei\"><strong>Conteaz\u0103 regimul fiscal al firmei?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Micro\u00eentreprindere:<\/strong> <a href=\"https:\/\/startco.ro\/blog\/conditiile-de-aplicare-a-impozitului-micro\/\" target=\"_blank\" rel=\"noreferrer noopener\">impozitul de 1%<\/a> se calculeaz\u0103 pe venituri, deci dob\u00e2nda pl\u0103tit\u0103 \u021bie nu scade impozitul firmei. Obliga\u021biile de re\u021binere \u0219i declarare r\u0103m\u00e2n.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/startco.ro\/blog\/srl-impozit-pe-profit\/\" target=\"_blank\" rel=\"noreferrer noopener\">Impozit pe profit<\/a>:<\/strong> dob\u00e2nda e, ca regul\u0103, cheltuial\u0103 deductibil\u0103. Exist\u0103 limite de deductibilitate pentru costurile cu dob\u00e2nzile, dar pentru firmele mici sunt, de regul\u0103, departe. Contabilul verific\u0103 \u00eencadrarea.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-rambursarea-cum-i\u021bi-recuperezi-banii\"><strong>Rambursarea: cum \u00ee\u021bi recuperezi banii?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firma \u00ee\u021bi returneaz\u0103 \u00eemprumutul prin transfer bancar, \u00een contul t\u0103u personal, conform contractului. Suma \u00eemprumutat\u0103 nu se impoziteaz\u0103 la \u00eentoarcere. \u00cenainte de fiecare rambursare, verific\u0103 ultimul bilan\u021b anual: dac\u0103 activul net e sub jum\u0103tate din capitalul social, <strong>rambursarea e interzis\u0103 p\u00e2n\u0103 la refacerea lui<\/strong>. Iar rambursarea \u00een numerar e interzis\u0103 indiferent de situa\u021bie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 firma nu are bani s\u0103-\u021bi dea \u00eenapoi sau dac\u0103 activul net e mic, <strong>po\u021bi transforma \u00eemprumutul \u00een capital social<\/strong>. Datoria firmei dispare, capitalul cre\u0219te, iar activul net urc\u0103. Opera\u021biunea se face la ONRC, ca o majorare de capital prin conversia unei crean\u021be. \u021aine cont c\u0103, odat\u0103 converti\u021bi, <strong>banii nu se mai \u00eentorc ca \u00eemprumut<\/strong>, ci doar printr-o reducere de capital. Dac\u0103 firma r\u0103m\u00e2ne cu activul net sub prag mai mult timp, conversia poate deveni obligatorie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00e2nd vinzi firma<\/strong>, \u00eemprumutul t\u0103u nu dispare odat\u0103 cu cesiunea p\u0103r\u021bilor sociale. Ai trei variante: firma \u021bi-l returneaz\u0103 \u00eenainte de v\u00e2nzare (dac\u0103 activul net permite), cump\u0103r\u0103torul \u00eel preia, pl\u0103tindu-\u021bi valoarea lui, sau \u00eel incluzi \u00een pre\u021bul p\u0103r\u021bilor. Scrie varianta aleas\u0103 \u00een <a href=\"https:\/\/startco.ro\/blog\/cesiune-de-parti-sociale\/\" target=\"_blank\" rel=\"noreferrer noopener\">contractul de cesiune<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Iar c\u00e2nd \u00eenchizi firma<\/strong>, la lichidarea voluntar\u0103, \u00eemprumutul t\u0103u e o datorie a firmei, pl\u0103tit\u0103 \u00eenaintea \u00eemp\u0103r\u021birii a ceea ce r\u0103m\u00e2ne \u00eentre asocia\u021bi. \u00cen insolven\u021b\u0103 \u00eens\u0103, \u00eemprumuturile de la asocia\u021bi se pl\u0103tesc dup\u0103 ceilal\u021bi creditori, deci \u0219ansele s\u0103-i recuperezi sunt mici. Dac\u0103 firma nu are bani suficien\u021bi, po\u021bi renun\u021ba la \u00eemprumut, dar discut\u0103 \u00eent\u00e2i efectele fiscale cu contabilul.<\/p>\n\n\n\n<h2 id=\"h-ce-mai-trebuie-sa-\u0219tii-despre-creditarea-firmei\" class=\"wp-block-heading\">Ce mai trebuie s\u0103 \u0219tii despre creditarea firmei<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocumentAfis\/305208\" target=\"_blank\" rel=\"noreferrer noopener\">Legea 239\/2025<\/a> a schimbat dou\u0103 lucruri importante pentru asocia\u021bii care \u00ee\u0219i \u00eemprumut\u0103 firma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-1-fara-numerar-la-imprumuturi\"><strong>1. F\u0103r\u0103 numerar la \u00eemprumuturi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Primirea \u0219i restituirea \u00eemprumuturilor \u00eentre firm\u0103 \u0219i o persoan\u0103 fizic\u0103 se fac <strong>numai prin instrumente de plat\u0103 f\u0103r\u0103 numerar<\/strong>, adic\u0103 prin transfer bancar, indiferent de sum\u0103. Vechiul plafon de <strong>10.000 de lei pe zi<\/strong> nu se mai aplic\u0103 \u00eemprumuturilor. \u00cenc\u0103lcarea se amendeaz\u0103 cu 2<strong>5% din sum\u0103<\/strong>, dar nu mai pu\u021bin de <strong>500 de lei<\/strong>, iar amenda nu se poate pl\u0103ti pe jum\u0103tate \u00een 15 zile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fiecare firm\u0103 trebuie s\u0103 aib\u0103 un cont de pl\u0103\u021bi \u00een Rom\u00e2nia <a href=\"https:\/\/startco.ro\/blog\/cum-iti-deschizi-cont-la-trezorerie\/\" target=\"_blank\" rel=\"noreferrer noopener\">sau la Trezorerie<\/a>. Firmele noi au la dispozi\u021bie cel mult <strong>60 de zile<\/strong> lucr\u0103toare de la \u00eenfiin\u021bare ca s\u0103-l deschid\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-2-returnarea-imprumutului-depinde-de-activul-net\"><strong>2. Returnarea \u00eemprumutului depinde de activul net<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Situa\u021bia firmei, din bilan\u021bul anual<\/strong><\/td><td><strong>Ce se \u00eent\u00e2mpl\u0103 cu \u00eemprumutul t\u0103u<\/strong><\/td><\/tr><tr><td>Activul net e de cel pu\u021bin jum\u0103tate din capitalul social<\/td><td>\u00ce\u021bi po\u021bi primi banii \u00eenapoi, conform contractului<\/td><\/tr><tr><td>Activul net e sub jum\u0103tate din capitalul social<\/td><td>Firma nu are voie s\u0103-\u021bi returneze \u00eemprumutul p\u00e2n\u0103 nu reface activul net<\/td><\/tr><tr><td>Activul net r\u0103m\u00e2ne sub prag \u0219i dup\u0103 termenul de refacere, plus \u00eenc\u0103 2 ani<\/td><td>\u00cemprumuturile de la asocia\u021bi trebuie convertite \u00een capital social<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ce ri\u0219ti dac\u0103 nu respec\u021bi regulile:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Amend\u0103 de la 10.000 la 200.000 de lei<\/strong> pentru firm\u0103, dac\u0103 returneaz\u0103 \u00eemprumutul \u00een ciuda interdic\u021biei.<\/li>\n\n\n\n<li><strong>R\u0103spundere solidar\u0103:<\/strong> asociatul care a primit banii poate r\u0103spunde personal pentru datoriile firmei la buget, p\u00e2n\u0103 la suma \u00eencasat\u0103.<\/li>\n\n\n\n<li><strong>Amend\u0103 de la 40.000 la 300.000 de lei<\/strong> dac\u0103 firma nu face conversia obligatorie \u00een capital.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">ANAF poate aplica sanc\u021biunile pentru activul net <strong>\u00eencep\u00e2nd cu 2027<\/strong>, pe baza situa\u021biilor financiare pentru exerci\u021biile \u00eencepute <strong>dup\u0103 1 ianuarie 2025<\/strong>.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1792759049957\"><strong class=\"schema-faq-question\">Am \u00eemprumutat firma cash acum ceva timp, cu chitan\u021b\u0103. Cum \u00eemi iau banii \u00eenapoi acum?<\/strong> <p class=\"schema-faq-answer\">Doar prin transfer bancar, \u00een contul t\u0103u personal, chiar dac\u0103 banii au intrat \u00een numerar. Regula nou\u0103 prive\u0219te at\u00e2t primirea, c\u00e2t \u0219i restituirea \u00eemprumutului. \u00cenainte de rambursare, verific\u0103 \u0219i activul net din ultimul bilan\u021b. P\u0103streaz\u0103 chitan\u021ba \u0219i registrul de cas\u0103 de atunci: ele dovedesc c\u0103 suma a intrat \u00een firm\u0103.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1792759065129\"><strong class=\"schema-faq-question\">Pl\u0103tesc uneori facturi ale firmei de pe cardul meu personal. Conteaz\u0103 ca \u00eemprumut?<\/strong> <p class=\"schema-faq-answer\">Practic, da: ai pl\u0103tit o datorie a firmei cu banii t\u0103i, iar firma \u00ee\u021bi datoreaz\u0103 suma. Plata cu cardul  e \u00een regul\u0103, dar trebuie documentat\u0103. Ai nevoie de factura pe numele firmei \u0219i de un document care arat\u0103 c\u0103 firma \u00ee\u021bi datoreaz\u0103 banii: un contract-cadru de \u00eemprumut sau un decont aprobat. Spune-i contabilului lunar, ca s\u0103 nu se adune sume nejustificate.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1792759084198\"><strong class=\"schema-faq-question\">Poate \u00eemprumuta firma so\u021bul\/so\u021bia mea sau un prieten care nu e asociat?<\/strong> <p class=\"schema-faq-answer\">Da. Orice persoan\u0103 fizic\u0103 poate \u00eemprumuta firma, cu acelea\u0219i reguli: contract, doar transfer bancar \u0219i impozit de 10% pe dob\u00e2nd\u0103, re\u021binut de firm\u0103. Restric\u021bia de rambursare legat\u0103 de activul net prive\u0219te \u00eemprumuturile de la asocia\u021bi \u0219i, posibil, de la persoanele afiliate lor, iar so\u021bul sau so\u021bia poate intra \u00een aceast\u0103 categorie. Verific\u0103 \u00eencadrarea cu contabilul \u00eenainte de rambursare.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Afl\u0103 care sunt situa\u021biile \u00een care po\u021bi credita firma ca asociat, care este procesul pas cu pas \u0219i ce lucruri trebuie s\u0103 evi\u021bi.<\/p>\n","protected":false},"author":5,"featured_media":21034,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[375],"tags":[23,255,869,868],"class_list":["post-21025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-administrezi-firma","tag-antreprenoriat","tag-business","tag-creditare","tag-firma"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ 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content=\"https:\/\/startco.ro\/blog\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\/\" \/>\n<meta property=\"og:site_name\" content=\"StartCo\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/StartCo.ro\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-11T15:18:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-29T07:06:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/startco.ro\/blog\/wp-content\/uploads\/kelly-sikkema-3-Tc_5LROrM-unsplash-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"M\u0103d\u0103lina Luca\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@StartCo_ro\" \/>\n<meta name=\"twitter:site\" content=\"@StartCo_ro\" \/>\n<meta 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Scriu despre schimb\u0103rile fiscale, business \u0219i mindset antreprenorial.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/madalina-luca\\\/\"],\"url\":\"https:\\\/\\\/startco.ro\\\/blog\\\/author\\\/madalina-luca\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759049957\",\"position\":1,\"url\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759049957\",\"name\":\"Am \u00eemprumutat firma cash acum ceva timp, cu chitan\u021b\u0103. Cum \u00eemi iau banii \u00eenapoi acum?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Doar prin transfer bancar, \u00een contul t\u0103u personal, chiar dac\u0103 banii au intrat \u00een numerar. Regula nou\u0103 prive\u0219te at\u00e2t primirea, c\u00e2t \u0219i restituirea \u00eemprumutului. \u00cenainte de rambursare, verific\u0103 \u0219i activul net din ultimul bilan\u021b. P\u0103streaz\u0103 chitan\u021ba \u0219i registrul de cas\u0103 de atunci: ele dovedesc c\u0103 suma a intrat \u00een firm\u0103.\",\"inLanguage\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759065129\",\"position\":2,\"url\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759065129\",\"name\":\"Pl\u0103tesc uneori facturi ale firmei de pe cardul meu personal. Conteaz\u0103 ca \u00eemprumut?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Practic, da: ai pl\u0103tit o datorie a firmei cu banii t\u0103i, iar firma \u00ee\u021bi datoreaz\u0103 suma. Plata cu cardul  e \u00een regul\u0103, dar trebuie documentat\u0103. Ai nevoie de factura pe numele firmei \u0219i de un document care arat\u0103 c\u0103 firma \u00ee\u021bi datoreaz\u0103 banii: un contract-cadru de \u00eemprumut sau un decont aprobat. Spune-i contabilului lunar, ca s\u0103 nu se adune sume nejustificate.\",\"inLanguage\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759084198\",\"position\":3,\"url\":\"https:\\\/\\\/startco.ro\\\/blog\\\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\\\/#faq-question-1792759084198\",\"name\":\"Poate \u00eemprumuta firma so\u021bul\\\/so\u021bia mea sau un prieten care nu e asociat?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Da. 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P\u0103streaz\u0103 chitan\u021ba \u0219i registrul de cas\u0103 de atunci: ele dovedesc c\u0103 suma a intrat \u00een firm\u0103.","inLanguage":"ro-RO"},"inLanguage":"ro-RO"},{"@type":"Question","@id":"https:\/\/startco.ro\/blog\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\/#faq-question-1792759065129","position":2,"url":"https:\/\/startco.ro\/blog\/cum-creditezi-firma-ca-asociat-ghid-complet-model-contract\/#faq-question-1792759065129","name":"Pl\u0103tesc uneori facturi ale firmei de pe cardul meu personal. Conteaz\u0103 ca \u00eemprumut?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Practic, da: ai pl\u0103tit o datorie a firmei cu banii t\u0103i, iar firma \u00ee\u021bi datoreaz\u0103 suma. Plata cu cardul  e \u00een regul\u0103, dar trebuie documentat\u0103. Ai nevoie de factura pe numele firmei \u0219i de un document care arat\u0103 c\u0103 firma \u00ee\u021bi datoreaz\u0103 banii: un contract-cadru de \u00eemprumut sau un decont aprobat. 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