Povzetek
Ustanovitev lastnega podjetja je priložnost in cilj vsakega podjetnika. Iskanje prave poslovne ideje je načrtno dejanje, njen razvoj je dolgoročni proces. Podjetnik jo predstavi v poslovnem ali izvedbenem načrtu. Načrtovanje je osnovni pogoj za uspešno in učinkovito delovanje podjetja. Je timsko delo. Zagotavlja opis in predstavitev ključnih področij poslovnih procesov v podjetju: prodajo, nabavo, proizvodnjo, naložbe, potrebna finančna sredstva, upravljanje s človeškimi viri, organizacijo družbe ipd.  Pisanje poslovnega načrta vzpodbuja razmišljanje o ključnih funkcijah in problemih, s katerim se lahko v prihodnosti srečuje podjetnik. Ena od izredno pomembnih nalog je zagotavljanje ustreznih finančnih virov za ustanovitev in poslovanje podjetja. Gre za tri različna področja financiranja: za financiranje nastanka oz. zagona novega malega podjetja, za financiranje njegovega tekočega poslovanja (za potrebna obratna sredstva) in za financiranje razširitve (rasti) poslovanja (nove investicije). Kako izbrati oziroma najti najustreznejši način financiranja, je vprašanje, s katerim se podjetniki srečujejo v vseh fazah razvoja podjetja, od ustanovitve naprej. Predvsem se morajo odločiti med financiranjem z lastnimi viri ali pa z denarjem, pridobljenim iz raznih zunanjih virov. Najpogosteje so se v preteklosti, pred gospodarsko krizo, podjetja  odločala za pridobitev dodatnih finančnih virov v bankah, ki so tradicionalni vir zunanjih virov, v času krize pa se je povečevala tudi uporaba drugih virov financiranja: privarčevani zaslužek, prodaja sredstev, lizing, odkup kratkoročnih terjatev in drugo.

Abstract
Establishing one’s own business is the opportunity and goal of every entrepreneur. Finding the right business idea is a planned action and its development is a long-term process. An entrepreneur presents it in a business or execution plan. Planning is a prerequisite for a successful and efficient operation of the company. It is team work. It provides a description and presentation of key areas of business processes in the company: sales, purchasing, production, investments, necessary financial resources, human resources management, company organization, etc. Writing a business plan stimulates thinking about the key features and problems that an entrepreneur can face in the future. One of the most important tasks is to provide adequate financial resources for the establishment and operation of the company. These are three different areas of financing: to finance the creation and/or starting a new small business, financing its current business (for the required current assets) and financing the expansion (growth) of business (new investments). How to choose or find the most appropriate way of financing is the issue that entrepreneurs face at all stages of the company's development, from the onset. In particular, they have to decide between financing with their own resources or with money derived from various external sources. In the past, before the economic crisis, the companies decided to obtain additional financial resources in banks, which are traditional sources of external sources, while during the crisis, the use of other sources of financing also increased: saved income, sale of assets, leasing, purchase of short-term receivables and other.

Ključne besede: podjetnik, finančni viri, banke, zunanji viri, lastna sredstva

Key words: entrepreneur, financial sources, banks, external sources, own sources