{"id":2122,"date":"2026-08-14T10:34:13","date_gmt":"2026-08-14T07:34:13","guid":{"rendered":"https:\/\/new.biznesakods.lv\/?p=2122"},"modified":"2026-08-14T10:59:31","modified_gmt":"2026-08-14T07:59:31","slug":"ar-ko-atskiras-banku-un-nebanku-finansejums","status":"publish","type":"post","link":"https:\/\/new.biznesakods.lv\/en\/jaunumi\/ar-ko-atskiras-banku-un-nebanku-finansejums\/","title":{"rendered":"Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums?"},"content":{"rendered":"<section class=\"vc_row liquid-row-shadowbox-6ac3999c1f7ad\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6ac3999c1fe14\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  >    <style scoped>\r\n        \/* Sl\u0113pjam TIKAI vec\u0101s, liek\u0101s bildes un virsrakstus, kas n\u0101k no t\u0113mas *\/\r\n        body.single-post .lqd-post-cover { display: none !important; }\r\n        h1.entry-title:not(.bk-article-h1), h1.post-title:not(.bk-article-h1) { display: none !important; }\r\n        .post-thumbnail, .entry-thumbnail, .single-post-thumbnail, .post-media, .wp-post-image:not(.bk-hero-image) { display: none !important; }\r\n\r\n        \/* Satura b\u012bd\u012b\u0161ana lej\u0101, lai izv\u0113lne to neaizsegtu *\/\r\n        .bk-article-top { margin-bottom: 40px; padding-top: 110px; }\r\n        @media (min-width: 992px) { .bk-article-top { padding-top: 150px; } }\r\n        \r\n        .bk-top-toolbar-line { width: 100%; height: 1px; background-color: #E2E8F0; margin-bottom: 40px; }\r\n        .bk-cat-tag { display: inline-flex; align-items: center; gap: 6px; background: rgba(241, 180, 52, 0.15); color: #D99F23; border: 1px solid rgba(241, 180, 52, 0.3); font-size: 12px; font-weight: 800; padding: 6px 14px; border-radius: 20px; text-transform: uppercase; margin-bottom: 20px; text-decoration: none;}\r\n        .bk-article-h1 { font-size: 32px; font-weight: 800; color: #003E51; line-height: 1.2; margin: 0 0 24px 0; text-align: left; }\r\n        @media (min-width: 768px) { .bk-article-h1 { font-size: 42px; } }\r\n        \r\n        .bk-article-meta { display: flex; align-items: center; justify-content: flex-start; flex-wrap: wrap; gap: 20px; font-size: 14px; color: #64748B; border-top: 1px solid #E2E8F0; border-bottom: 1px solid #E2E8F0; padding: 16px 0; margin-bottom: 32px;}\r\n        .bk-meta-item { display: flex; align-items: center; gap: 6px; }\r\n        .bk-author-img { width: 32px; height: 32px; border-radius: 50%; background-color: #003E51; color: white; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: bold; }\r\n        .bk-author-name { font-weight: 700; color: #1E293B; }\r\n        \r\n        .bk-hero-image { width: 100%; object-fit: cover; border-radius: 16px; box-shadow: 0 15px 30px -10px rgba(0, 0, 0, 0.1); display: block; }\r\n    <\/style>\r\n    <div class=\"bk-article-top\">\r\n        <div class=\"bk-top-toolbar-line\"><\/div>\r\n        <a href=\"https:\/\/new.biznesakods.lv\/en\/jaunumi\/category\/banku-un-nebanku-finansejums\/\" class=\"bk-cat-tag\">\r\n            <i data-lucide=\"folder\" style=\"width: 14px; height: 14px;\"><\/i> Banku un nebanku finans\u0113jums        <\/a>\r\n        <h1 class=\"bk-article-h1\">Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums?<\/h1>\r\n        <div class=\"bk-article-meta\">\r\n            <div class=\"bk-meta-item\">\r\n                <div class=\"bk-author-img\">BK<\/div>\r\n                <span class=\"bk-author-name\">Biznesa Kods<\/span>\r\n            <\/div>\r\n            <div class=\"bk-meta-item\">\r\n                <i data-lucide=\"calendar\" style=\"width: 16px; height: 16px;\"><\/i>\r\n                <span>14. August, 2026<\/span>\r\n            <\/div>\r\n            <div class=\"bk-meta-item\">\r\n                <i data-lucide=\"clock\" style=\"width: 16px; height: 16px;\"><\/i>\r\n                <span>5 min las\u012bjums<\/span>\r\n            <\/div>\r\n        <\/div>\r\n        <img decoding=\"async\" src=\"https:\/\/new.biznesakods.lv\/wp-content\/uploads\/2025\/09\/2.jpg\" class=\"bk-hero-image\" style=\"height: 500px; object-position: top;\" alt=\"Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums?\">\r\n    <\/div>\r\n    <\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6ac3999c20fdb\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6ac3999c21362\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  >    <style scoped>\r\n        .bk-breadcrumbs-nav { display: flex; align-items: center; justify-content: flex-start; flex-wrap: wrap; gap: 8px; font-size: 13px; color: #64748B; margin-bottom: 24px; font-weight: 500; }\r\n        .bk-breadcrumbs-nav a { color: #003E51; text-decoration: none; transition: color 0.2s; }\r\n        .bk-breadcrumbs-nav a:hover { color: #F1B434; }\r\n        .bk-breadcrumbs-current { color: #94A3B8; }\r\n        .bk-breadcrumbs-icon { width: 14px; height: 14px; color: #94A3B8; }\r\n    <\/style>\r\n    <div class=\"bk-breadcrumbs-nav\">\r\n        <a href=\"https:\/\/new.biznesakods.lv\/en\">S\u0101kums<\/a>\r\n        <i data-lucide=\"chevron-right\" class=\"bk-breadcrumbs-icon\"><\/i>\r\n        <a href=\"https:\/\/new.biznesakods.lv\/en\/jaunumi\">Jaunumi<\/a>\r\n        <i data-lucide=\"chevron-right\" class=\"bk-breadcrumbs-icon\"><\/i>\r\n        <a href=\"https:\/\/new.biznesakods.lv\/en\/jaunumi\/category\/banku-un-nebanku-finansejums\/\">Banku un nebanku finans\u0113jums<\/a>\r\n        <i data-lucide=\"chevron-right\" class=\"bk-breadcrumbs-icon\"><\/i>\r\n        <span class=\"bk-breadcrumbs-current\">Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums?<\/span>\r\n    <\/div>\r\n    <script>if (typeof lucide !== \"undefined\") { lucide.createIcons(); }<\/script>\r\n    <\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6ac3999c217ea\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6ac3999c21b77\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  >\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<style>\n    \/* PILN\u012aB\u0100 IZOL\u0112TS STILS - NEDARBOSIES \u0100RPUS \u0160\u012a RAKSTA *\/\n    #bk-art {\n        font-family: 'Inter', sans-serif;\n        color: #334155;\n        line-height: 1.75;\n        font-size: 1.05rem;\n        max-width: 56rem; \/* 4xl *\/\n        margin: 0 auto;\n        padding: 2rem 0;\n    }\n    #bk-art p { margin: 0 0 1.5rem 0; }\n    #bk-art h2 {\n        font-size: 1.75rem; font-weight: 800; color: #0D222E;\n        margin: 3rem 0 1.25rem 0; line-height: 1.3; letter-spacing: -0.025em; clear: both;\n    }\n    #bk-art strong { font-weight: 700; color: #0D222E; }\n    #bk-art svg { display: block; flex-shrink: 0; }\n\n    \/* Ievads *\/\n    .bk-art-intro {\n        font-size: 1.25rem; color: #374151; font-weight: 500; line-height: 1.6;\n        margin-bottom: 2.5rem !important; border-left: 4px solid #EAA32B; padding-left: 1.5rem;\n    }\n    @media(min-width: 640px) { .bk-art-intro { font-size: 1.5rem; } }\n\n    \/* Re\u017e\u0123is *\/\n    .bk-art-grid { display: grid; gap: 2rem; margin: 2.5rem 0; }\n    @media(min-width: 768px) { .bk-art-grid { grid-template-columns: 1fr 1fr; } }\n\n    \/* Kart\u012btes *\/\n    .bk-art-card { border-radius: 1.5rem; padding: 2rem; position: relative; overflow: hidden; }\n    .bk-art-card-bank { background: #f8fafc; border: 1px solid #e5e7eb; }\n    .bk-art-card-alt { background: #fffbeb; border: 1px solid #fde68a; }\n    \n    .bk-art-shape-bank {\n        position: absolute; top: 0; right: 0; width: 6rem; height: 6rem;\n        background: #dbeafe; opacity: 0.5; border-bottom-left-radius: 6rem;\n        margin-top: -1rem; margin-right: -1rem; pointer-events: none;\n    }\n    .bk-art-shape-alt {\n        position: absolute; top: 0; right: 0; width: 6rem; height: 6rem;\n        background: #fde68a; opacity: 0.5; border-bottom-left-radius: 6rem;\n        margin-top: -1rem; margin-right: -1rem; pointer-events: none;\n    }\n\n    .bk-art-icon-bank {\n        width: 3rem; height: 3rem; border-radius: 0.75rem; background: #0D222E; color: white;\n        display: flex; align-items: center; justify-content: center; margin-bottom: 1.5rem; position: relative; z-index: 10;\n    }\n    .bk-art-icon-alt {\n        width: 3rem; height: 3rem; border-radius: 0.75rem; background: #EAA32B; color: #0D222E;\n        display: flex; align-items: center; justify-content: center; margin-bottom: 1.5rem; position: relative; z-index: 10;\n        box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);\n    }\n\n    .bk-art-card-title {\n        font-size: 1.25rem; font-weight: 800; color: #0D222E; margin-bottom: 0.5rem; line-height: 1.3; position: relative; z-index: 10;\n    }\n    .bk-art-card-desc {\n        font-size: 0.875rem; margin-bottom: 1.5rem; line-height: 1.5; color: #475569; position: relative; z-index: 10;\n    }\n    \n    .bk-art-list { list-style: none; padding: 0; margin: 0; position: relative; z-index: 10; }\n    .bk-art-list li { display: flex; align-items: flex-start; margin-bottom: 0.75rem; font-size: 0.875rem; color: #374151; }\n    .bk-art-list svg { width: 1.25rem; height: 1.25rem; margin-right: 0.5rem; margin-top: 0.1rem; }\n    .bk-art-icon-green { color: #059669; }\n    .bk-art-icon-red { color: #ef4444; }\n\n    \/* Tabula *\/\n    .bk-art-table-wrapper { overflow-x: auto; margin: 2.5rem 0; }\n    .bk-art-table { width: 100%; border-collapse: collapse; min-width: 600px; text-align: left; }\n    .bk-art-table th { padding: 1rem; font-size: 0.875rem; text-transform: uppercase; font-weight: 900; }\n    .bk-art-table th.col-1 { border-bottom: 2px solid #e5e7eb; color: #6b7280; width: 33%; }\n    .bk-art-table th.col-2 { border-bottom: 2px solid #0D222E; color: #0D222E; background: #f8fafc; border-top-left-radius: 0.75rem; width: 33%; }\n    .bk-art-table th.col-3 { border-bottom: 2px solid #EAA32B; color: #0D222E; background: #fffbeb; border-top-right-radius: 0.75rem; width: 33%; }\n    .bk-art-table td { padding: 1.25rem 1rem; border-bottom: 1px solid #f3f4f6; }\n    .bk-art-table tr:hover td { background-color: #f9fafb; transition: background-color 0.2s; }\n    .bk-art-table td.col-1 { display: flex; align-items: center; font-weight: 700; color: #1f2937; }\n    .bk-art-table td.col-1 svg { width: 1rem; height: 1rem; margin-right: 0.5rem; color: #9ca3af; }\n    .bk-art-table td.col-2 { background: rgba(248, 250, 252, 0.5); color: #4b5563; }\n    .bk-art-table td.col-3 { background: rgba(255, 251, 235, 0.5); color: #0D222E; font-weight: 600; }\n    .bk-art-table td.col-2-green { color: #059669 !important; font-weight: 700; }\n\n    \/* Scen\u0101riji *\/\n    .bk-art-scenarios { display: flex; flex-direction: column; gap: 1.5rem; margin: 2.5rem 0; }\n    .bk-art-scenario { display: flex; flex-direction: column; border: 1px solid #e5e7eb; border-radius: 1.5rem; overflow: hidden; background: white; box-shadow: 0 1px 2px rgba(0,0,0,0.05); }\n    @media(min-width: 640px) { .bk-art-scenario { flex-direction: row; } }\n    .bk-art-scen-left { padding: 2rem; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; border-right: 1px solid #e5e7eb; }\n    @media(min-width: 640px) { .bk-art-scen-left { width: 33.333%; min-width: 30%; } }\n    .bk-art-scen-bank .bk-art-scen-left { background: #f1f5f9; }\n    .bk-art-scen-alt .bk-art-scen-left { background: #fffbeb; }\n    .bk-art-scen-icon { width: 4rem; height: 4rem; border-radius: 50%; background: white; display: flex; align-items: center; justify-content: center; margin-bottom: 1rem; box-shadow: 0 1px 2px rgba(0,0,0,0.05); }\n    .bk-art-scen-bank .bk-art-scen-icon { color: #2563eb; }\n    .bk-art-scen-alt .bk-art-scen-icon { color: #d97706; }\n    .bk-art-scen-icon svg { width: 2rem; height: 2rem; }\n    .bk-art-scen-title { font-size: 1.125rem; font-weight: 900; text-transform: uppercase; letter-spacing: 0.05em; color: #0D222E; }\n    .bk-art-scen-right { padding: 2rem; display: flex; flex-direction: column; justify-content: center; }\n    @media(min-width: 640px) { .bk-art-scen-right { width: 66.666%; } }\n    .bk-art-scen-list { list-style: none; padding: 0; margin: 0; }\n    .bk-art-scen-list li { display: flex; align-items: flex-start; margin-bottom: 1rem; color: #374151; }\n    .bk-art-scen-list li:last-child { margin-bottom: 0; }\n    .bk-art-scen-dot { width: 0.5rem; height: 0.5rem; border-radius: 50%; margin-top: 0.5rem; margin-right: 0.75rem; flex-shrink: 0; }\n    .bk-art-scen-bank .bk-art-scen-dot { background: #3b82f6; }\n    .bk-art-scen-alt .bk-art-scen-dot { background: #f59e0b; }\n\n    \/* Hibr\u012bda bloks *\/\n    .bk-art-hybrid { background: #f9fafb; border-left: 4px solid #0D222E; padding: 1.5rem; border-top-right-radius: 1rem; border-bottom-right-radius: 1rem; margin: 2rem 0; }\n    .bk-art-hybrid p { margin: 0 !important; font-style: italic; color: #374151; }\n<\/style>\n\n<div id=\"bk-art\">\n    \n    <!-- Ievads -->\n    <p class=\"bk-art-intro\">\n        Katra uz\u0146\u0113muma izaugsmes posm\u0101 pien\u0101k br\u012bdis, kad pa\u0161u peln\u012bt\u0101s naudas nepietiek, lai spertu n\u0101kamo lielo soli \u2013 vai t\u0101 b\u016btu jaunas ra\u017eo\u0161anas l\u012bnijas ieg\u0101de, eksporta tirgu iekaro\u0161ana vai konkurenta uz\u0146\u0113muma nopirk\u0161ana. \u0160aj\u0101 br\u012bd\u012b uz\u0146\u0113m\u0113js saskaras ar galveno jaut\u0101jumu: <strong>kur piesaist\u012bt kapit\u0101lu?<\/strong>\n    <\/p>\n\n    <p>\n        V\u0113sturiski pirmais un pa\u0161saprotam\u0101kais solis vienm\u0113r ir bijis g\u0101jiens uz savu komercbanku. Tom\u0113r m\u016bsdienu finan\u0161u tirgus ir daudz pla\u0161\u0101ks. Alternat\u012bvie jeb nebanku finans\u0113t\u0101ji k\u013c\u016bst par arvien sp\u0113c\u012bg\u0101ku instrumentu uz\u0146\u0113m\u0113ju rok\u0101s. Lai pie\u0146emtu strat\u0113\u0123iski pareizo l\u0113mumu, ir detaliz\u0113ti j\u0101saprot, ar ko \u0161ie abi finan\u0161u avoti at\u0161\u0137iras un kur\u0161 no tiem ir piem\u0113rot\u0101kais j\u016bsu konkr\u0113tajai situ\u0101cijai.\n    <\/p>\n\n    <!-- 1. B\u016bt\u012bbas sal\u012bdzin\u0101jums -->\n    <h2>B\u016btisk\u0101k\u0101s at\u0161\u0137ir\u012bbas: Kas ir kas?<\/h2>\n    \n    <div class=\"bk-art-grid\">\n        <!-- Bankas kart\u012bte -->\n        <div class=\"bk-art-card bk-art-card-bank\">\n            <div class=\"bk-art-shape-bank\"><\/div>\n            <div class=\"bk-art-icon-bank\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z\"\/><path d=\"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2\"\/><path d=\"M10 6h4\"\/><path d=\"M10 10h4\"\/><path d=\"M10 14h4\"\/><path d=\"M10 18h4\"\/><\/svg>\n            <\/div>\n            <div class=\"bk-art-card-title\">Komercbanku finans\u0113jums<\/div>\n            <p class=\"bk-art-card-desc\">Tradicion\u0101lais un dro\u0161\u0101kais finans\u0113\u0161anas veids ar viszem\u0101kaj\u0101m likm\u0113m, ta\u010du ar visstingr\u0101kajiem noteikumiem.<\/p>\n            <ul class=\"bk-art-list\">\n                <li>\n                    <svg class=\"bk-art-icon-green\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg>\n                    <span>Viszem\u0101k\u0101s procentu likmes tirg\u016b.<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-green\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg>\n                    <span>Gari atmaksas termi\u0146i (l\u012bdz pat 15+ gadiem).<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-red\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg>\n                    <span>Prasa izcilu kred\u012btv\u0113sturi un stingru, taust\u0101mu \u0137\u012blu (parasti nekustamo \u012bpa\u0161umu).<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-red\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg>\n                    <span>Ilgs un birokr\u0101tisks izskat\u012b\u0161anas process.<\/span>\n                <\/li>\n            <\/ul>\n        <\/div>\n\n        <!-- Nebankas kart\u012bte -->\n        <div class=\"bk-art-card bk-art-card-alt\">\n            <div class=\"bk-art-shape-alt\"><\/div>\n            <div class=\"bk-art-icon-alt\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"8\" cy=\"8\" r=\"6\"\/><path d=\"M18.09 10.37A6 6 0 1 1 10.34 18\"\/><path d=\"M7 6h1v4\"\/><path d=\"M16.71 13.88.49 10.2\"\/><\/svg>\n            <\/div>\n            <div class=\"bk-art-card-title\">Nebanku (alternat\u012bvais) finans\u0113jums<\/div>\n            <p class=\"bk-art-card-desc\">Elast\u012bgi un \u0101tri risin\u0101jumi situ\u0101cij\u0101s, kad banka atsaka vai kad laiks ir svar\u012bg\u0101ks par zemu procentu likmi.<\/p>\n            <ul class=\"bk-art-list\">\n                <li>\n                    <svg class=\"bk-art-icon-green\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg>\n                    <span>\u013boti \u0101tra l\u0113mumu pie\u0146em\u0161ana (da\u017ek\u0101rt 2-3 dienu laik\u0101).<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-green\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg>\n                    <span>Elast\u012bgas pras\u012bbas nodro\u0161in\u0101jumam (pie\u0146em ar\u012b n\u0101kotnes naudas pl\u016bsmu, pamatl\u012bdzek\u013cus).<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-red\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg>\n                    <span>Augst\u0101kas procentu likmes.<\/span>\n                <\/li>\n                <li>\n                    <svg class=\"bk-art-icon-red\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg>\n                    <span>Parasti \u012bs\u0101ks atmaksas termi\u0146\u0161 (l\u012bdz 3-5 gadiem).<\/span>\n                <\/li>\n            <\/ul>\n        <\/div>\n    <\/div>\n\n    <p>\n        Bankas pelna no apjoma un maza riska. To darb\u012bbu stingri regul\u0113 Eiropas Centr\u0101l\u0101 banka (ECB) un FKTK pras\u012bbas. Ja j\u016bsu projektam ir augsts riska profils vai nav likv\u012bdas \u0137\u012blas 120% apm\u0113r\u0101 no aizdevuma summas, banka visdr\u012bz\u0101k atbild\u0113s ar \"n\u0113\". \n    <\/p>\n    <p>\n        Savuk\u0101rt nebanku finans\u0113t\u0101ji (mezan\u012bna fondi, priv\u0101t\u0101 kapit\u0101la aizdev\u0113ji, p\u016b\u013ca finans\u0113\u0161anas platformas) str\u0101d\u0101 ar citu lo\u0123iku. Vi\u0146i apzin\u0101ti uz\u0146emas liel\u0101ku risku, pret\u012b prasot liel\u0101ku atdevi jeb augst\u0101kus procentus.\n    <\/p>\n\n    <!-- 2. Parametru sal\u012bdzin\u0101jums -->\n    <h2>Grafisks parametru sal\u012bdzin\u0101jums<\/h2>\n    \n    <div class=\"bk-art-table-wrapper\">\n        <table class=\"bk-art-table\">\n            <thead>\n                <tr>\n                    <th class=\"col-1\">Parametrs<\/th>\n                    <th class=\"col-2\">Banku sektors<\/th>\n                    <th class=\"col-3\">Nebanku sektors<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody>\n                <tr>\n                    <td class=\"col-1\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg>\n                        Izskat\u012b\u0161anas \u0101trums\n                    <\/td>\n                    <td class=\"col-2\">L\u0113ns (2 l\u012bdz 8 ned\u0113\u013cas)<\/td>\n                    <td class=\"col-3\">\u013boti \u0101trs (2 l\u012bdz 5 dienas)<\/td>\n                <\/tr>\n                <tr>\n                    <td class=\"col-1\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"19\" y1=\"5\" x2=\"5\" y2=\"19\"\/><circle cx=\"6.5\" cy=\"6.5\" r=\"2.5\"\/><circle cx=\"17.5\" cy=\"17.5\" r=\"2.5\"\/><\/svg>\n                        Kapit\u0101la cena (Likme)\n                    <\/td>\n                    <td class=\"col-2 bk-art-td-green\" style=\"color: #059669; font-weight: 700;\">Zema (EURIBOR + 2% l\u012bdz 4%)<\/td>\n                    <td class=\"col-3\">Vid\u0113ja l\u012bdz augsta (8% l\u012bdz 15%+)<\/td>\n                <\/tr>\n                <tr>\n                    <td class=\"col-1\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n                        Pras\u012bbas \u0137\u012blai\n                    <\/td>\n                    <td class=\"col-2\">\u013boti stingras (visbie\u017e\u0101k N\u012a)<\/td>\n                    <td class=\"col-3\">Elast\u012bgas (naudas pl\u016bsma)<\/td>\n                <\/tr>\n                <tr>\n                    <td class=\"col-1\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polygon points=\"13 2 3 14 12 14 11 22 21 10 12 10 13 2\"\/><\/svg>\n                        Elast\u012bba\n                    <\/td>\n                    <td class=\"col-2\" style=\"border-bottom-left-radius: 0.75rem;\">Zema (stingra banku politika)<\/td>\n                    <td class=\"col-3\" style=\"border-bottom-right-radius: 0.75rem;\">Augsta (individu\u0101la pieeja)<\/td>\n                <\/tr>\n            <\/tbody>\n        <\/table>\n    <\/div>\n\n    <h2>Kad izv\u0113l\u0113ties kuru risin\u0101jumu?<\/h2>\n\n    <p>\n        Liel\u0101k\u0101 k\u013c\u016bda, ko uz\u0146\u0113m\u0113ji pie\u013cauj, ir koncentr\u0113\u0161an\u0101s <strong>tikai un vien\u012bgi uz procentu likmi<\/strong>. L\u0113ta nauda, kas sa\u0146emta par v\u0113lu, vai l\u0113ta nauda, kas prasa iesald\u0113t visus uz\u0146\u0113muma akt\u012bvus stingr\u0101s \u0137\u012bl\u0101s, var bremz\u0113t biznesa t\u0101l\u0101ku att\u012bst\u012bbu.\n    <\/p>\n\n    <!-- 3. Scen\u0101riji -->\n    <div class=\"bk-art-scenarios\">\n        <!-- Bankas -->\n        <div class=\"bk-art-scenario bk-art-scen-bank\">\n            <div class=\"bk-art-scen-left\">\n                <div class=\"bk-art-scen-icon\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M7 10v12\"\/><path d=\"M15 5.88 14 10h5.83a2 2 0 0 1 1.92 2.56l-2.33 8A2 2 0 0 1 17.5 22H4a2 2 0 0 1-2-2v-8a2 2 0 0 1 2-2h2.76a2 2 0 0 0 1.79-1.11L12 2h0a3.13 3.13 0 0 1 3 3.88Z\"\/><\/svg>\n                <\/div>\n                <div class=\"bk-art-scen-title\">Izv\u0113lies Banku<\/div>\n            <\/div>\n            <div class=\"bk-art-scen-right\">\n                <ul class=\"bk-art-scen-list\">\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span>Projektam ir ilgs atmaks\u0101\u0161an\u0101s laiks (piem\u0113ram, r\u016bpn\u012bcas \u0113kas b\u016bvniec\u012bba).<\/span><\/li>\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span>Jums ir br\u012bva un v\u0113rt\u012bga \u0137\u012bla (nekustamais \u012bpa\u0161ums, kur\u0161 nav apgr\u016btin\u0101ts).<\/span><\/li>\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span>Projekts nav steidzams \u2013 j\u016bs varat at\u013cauties gaid\u012bt vair\u0101kus m\u0113ne\u0161us l\u012bdz naudas sa\u0146em\u0161anai.<\/span><\/li>\n                <\/ul>\n            <\/div>\n        <\/div>\n\n        <!-- Nebankas -->\n        <div class=\"bk-art-scenario bk-art-scen-alt\">\n            <div class=\"bk-art-scen-left\">\n                <div class=\"bk-art-scen-icon\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polygon points=\"13 2 3 14 12 14 11 22 21 10 12 10 13 2\"\/><\/svg>\n                <\/div>\n                <div class=\"bk-art-scen-title\">Izv\u0113lies Nebanku<\/div>\n            <\/div>\n            <div class=\"bk-art-scen-right\">\n                <ul class=\"bk-art-scen-list\">\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span><strong>\u0100tra izdev\u012bba tirg\u016b:<\/strong> par\u0101d\u012bjusies iesp\u0113ja l\u0113ti uzpirkt izejmateri\u0101lus, un naudu vajag ned\u0113\u013cas laik\u0101.<\/span><\/li>\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span>Bankas kred\u012btlimiti ir sasniegti, un visas eso\u0161\u0101s \u0113kas jau ir ie\u0137\u012bl\u0101tas.<\/span><\/li>\n                    <li><div class=\"bk-art-scen-dot\"><\/div><span>Jums ir nepiecie\u0161ams \"tilti\u0146a\" (bridge) aizdevums liel\u0101kam projektam.<\/span><\/li>\n                <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <h2>Zelta vidusce\u013c\u0161: Hibr\u012bda arhitekt\u016bra<\/h2>\n\n    <p>\n        Realit\u0101t\u0113 visgudr\u0101kie un veiksm\u012bg\u0101kie uz\u0146\u0113m\u0113ji izmanto abu \u0161o pasau\u013cu lab\u0101k\u0101s \u012bpa\u0161\u012bbas. Lielos un sare\u017e\u0123\u012btos dar\u012bjumos finans\u0113jums reti sast\u0101v tikai no viena avota.\n    <\/p>\n\n    <div class=\"bk-art-hybrid\">\n        <p>\n            Piem\u0113ram: Uz\u0146\u0113mums p\u0113rk ra\u017eo\u0161anas iek\u0101rtu par 1 miljonu eiro. Banka piekr\u012bt finans\u0113t <strong>700 000 EUR<\/strong> (70%) par zemu likmi, bet k\u0101 pirmo iemaksu prasa atliku\u0161os 300 000 EUR no pa\u0161a uz\u0146\u0113m\u0113ja. Ja uz\u0146\u0113m\u0113jam br\u012bvas skaidras naudas nav, vi\u0146\u0161 \u0161o tr\u016bksto\u0161o da\u013cu (jeb pirmo iemaksu) piesaista no <strong>nebanku mezan\u012bna fonda<\/strong>. T\u0101d\u0113j\u0101di projekts tiek realiz\u0113ts, saglab\u0101jot labu vid\u0113jo procentu likmi.\n        <\/p>\n    <\/div>\n\n    <p>\n        M\u0113s <em>Biznesa Kod\u0101<\/em> vienm\u0113r analiz\u0113jam klientu projektus no ab\u0101m pus\u0113m. P\u0101rzinot gan banku pras\u012bbas, gan nebanku fondu specifiku, m\u0113s rad\u0101m strukt\u016bras, kas \u013cauj biznesam augt maksim\u0101li \u0101tri, vienlaikus uzturot sapr\u0101t\u012bgas kapit\u0101la izmaksas.\n    <\/p>\n\n<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6ac3999c221c6\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6ac3999c22530\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  >    <style>\r\n        .bk-cta-wrap { max-width: 1280px !important; margin: 0 auto !important; padding: 0 16px !important; width: 100% !important; display: block !important; box-sizing: border-box !important; }\r\n        @media (min-width: 640px) { .bk-cta-wrap { padding: 0 24px !important; } }\r\n        \r\n        .bk-cta-box {\r\n            background: linear-gradient(135deg, #003E51 0%, #063140 100%) !important; border-radius: 0 !important; \r\n            padding: 32px 24px !important; color: #ffffff !important; border: 1px solid #0A5269 !important; \r\n            display: flex !important; flex-direction: column !important; gap: 24px !important; \r\n            box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1) !important; margin-top: 48px !important; \r\n            margin-bottom: 48px !important; font-family: 'Open Sans', sans-serif !important;\r\n        }\r\n        @media (min-width: 768px) {\r\n            .bk-cta-box { flex-direction: row !important; align-items: center !important; justify-content: space-between !important; padding: 40px !important; }\r\n        }\r\n        \r\n        .bk-cta-content { flex-grow: 1 !important; }\r\n        \r\n        .bk-cta-badge {\r\n            background: rgba(241,180,52,0.15) !important; color: #F1B434 !important; border: 1px solid rgba(241,180,52,0.3) !important; \r\n            font-size: 11px !important; font-weight: 800 !important; text-transform: uppercase !important; \r\n            padding: 6px 12px !important; display:inline-block !important; margin-bottom: 12px !important; border-radius: 0 !important;\r\n        }\r\n        \r\n        .bk-cta-title { font-family: 'Lato', sans-serif !important; font-size: 22px !important; font-weight: 800 !important; color: #ffffff !important; margin: 0 0 8px 0 !important; line-height: 1.2 !important; }\r\n        @media (min-width: 640px) { .bk-cta-title { font-size: 26px !important; } }\r\n        \r\n        .bk-cta-desc { color: #CBD5E1 !important; font-size: 14px !important; margin: 0 !important; line-height: 1.5 !important; max-width: 700px !important;}\r\n        \r\n        .bk-cta-btn {\r\n            background-color: #F1B434 !important; color: #003E51 !important; font-weight: 800 !important; padding: 14px 24px !important; \r\n            text-decoration: none !important; display: inline-flex !important; align-items: center !important; justify-content: center !important; \r\n            font-size: 14px !important; transition: transform 0.2s ease, background-color 0.2s ease !important; border-radius: 0 !important; \r\n            white-space: nowrap !important; width: 100% !important; text-transform: none !important; box-sizing: border-box !important;\r\n            font-family: 'Open Sans', sans-serif !important;\r\n        }\r\n        @media (min-width: 640px) { .bk-cta-btn { width: auto !important; padding: 16px 32px !important; } }\r\n        .bk-cta-btn:hover { background-color: #D99F23 !important; transform: scale(1.02) !important;}\r\n    <\/style>\r\n    \r\n    <div class=\"bk-cta-wrap\">\r\n        <div class=\"bk-cta-box\">\r\n            <div class=\"bk-cta-content\">\r\n                <span class=\"bk-cta-badge\">Eksperta konsult\u0101cija<\/span>\r\n                <h2 class=\"bk-cta-title\">Radies k\u0101ds jaut\u0101jums? <\/h2>\r\n                <p class=\"bk-cta-desc\">Piesakieties konsult\u0101cijai pie m\u016bsu ekspertiem, lai izv\u0113rt\u0113tu lab\u0101kos finans\u0113juma un att\u012bst\u012bbas scen\u0101rijus.<\/p>\r\n            <\/div>\r\n            <div>\r\n                <a href=\"https:\/\/biznesakods.lv\/pieteikuma-forma\/\" target=\"_blank\" class=\"bk-cta-btn\">\r\n                    Pieteikies konsult\u0101cijai &rarr;\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    <\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Banku un nebanku finans\u0113jums Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums? BK Biznesa Kods 14. August, 2026 5 min las\u012bjums S\u0101kums Jaunumi Banku un nebanku finans\u0113jums Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums? Katra uz\u0146\u0113muma izaugsmes posm\u0101 pien\u0101k br\u012bdis, kad pa\u0161u peln\u012bt\u0101s naudas nepietiek, lai spertu n\u0101kamo lielo soli \u2013 vai t\u0101 b\u016btu jaunas ra\u017eo\u0161anas [...]","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2122","post","type-post","status-publish","format-standard","hentry","category-banku-un-nebanku-finansejums"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums? - Biznesa Kods<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ar ko at\u0161\u0137iras banku un nebanku finans\u0113jums? 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