{"id":6878,"date":"2025-09-27T19:34:18","date_gmt":"2025-09-27T17:34:18","guid":{"rendered":"https:\/\/www.avafin.es\/?p=6878"},"modified":"2026-04-22T12:07:28","modified_gmt":"2026-04-22T10:07:28","slug":"prestec-mercantil","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/","title":{"rendered":"Pr\u00e9stec Mercantil: Qu\u00e8 \u00e9s, com funciona i qu\u00e8 has de saber abans de signar-ne un"},"content":{"rendered":"<p class=\"wp-block-paragraph\">A difer\u00e8ncia dels pr\u00e9stecs que les persones naturals fem, \u00e9s molt diferent del m\u00f3n dels negocis i les operacions comercials, on els pr\u00e9stecs no sempre tenen les mateixes regles. Les grans difer\u00e8ncies depenen de qui ho sol\u00b7liciti, la finalitat del pr\u00e9stec, entre quines parts se signa, si el pr\u00e9stec t\u00e9 car\u00e0cter civil o mercantil. \u00c9s per tot aix\u00f2 que el pr\u00e9stec mercantil \u00e9s una figura clau dins del Codi de comer\u00e7 espanyol, amb diferents implicacions jur\u00eddiques i molt concretes. &nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si penses a emprendre, o actualment ja est\u00e0s emprenent aquest tema t&#039;interessa. Igual per a aquells que gestionin una empresa o facin operacions entre professionals, han d&#039;entendre qu\u00e8 \u00e9s un pr\u00e9stec mercantil i el paper fonamental que t\u00e9 per protegir els teus interessos. En aquest nou bloc d&#039;Avafin, us explicarem tots els detalls, les seves caracter\u00edstiques, difer\u00e8ncies amb un pr\u00e9stec civil i les conseq\u00fc\u00e8ncies en no pagar-lo.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, et compartim enlla\u00e7os \u00fatils com els ajuts per a joves emprenedors o alternatives de finan\u00e7ament com els pr\u00e9stecs de 1000 euros que pots sol\u00b7licitar en l\u00ednia.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#%C2%BFQue_es_el_prestamo_mercantil\" >Qu\u00e8 \u00e9s el pr\u00e9stec mercantil?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Caracteristicas_principales_de_los_prestamos_mercantiles\" >Caracter\u00edstiques principals dels pr\u00e9stecs mercantils\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Propositos_de_los_prestamos_mercantiles\" >Prop\u00f2sits dels pr\u00e9stecs mercantils\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Diferencias_entre_prestamos_mercantiles_y_prestamos_civiles\" >Difer\u00e8ncies entre pr\u00e9stecs mercantils i pr\u00e9stecs civils\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#%C2%BFQue_tipo_de_contrato_es_el_prestamo_mercantil\" >Quin tipus de contracte \u00e9s el pr\u00e9stec mercantil?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Elementos_clave_del_contrato_de_prestamo_mercantil\" >Elements clau del contracte de pr\u00e9stec mercantil:\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#%C2%BFQue_pasa_si_no_pago_un_prestamo_mercantil\" >Qu\u00e8 passa si no pago un pr\u00e9stec mercantil?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Prestamo_mercantil_y_el_Codigo_de_Comercio\" >Pr\u00e9stec mercantil i el Codi de comer\u00e7\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Prestamo_mercantil_requisitos_basicos\" >Pr\u00e9stec mercantil: requisits b\u00e0sics\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#Partes_de_un_contrato_de_prestamo_mercantil\" >Parts d&#039;un contracte de pr\u00e9stec mercantil\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#%C2%BFDonde_conseguir_un_contrato_de_prestamo_mercantil_modelo\" >On aconseguir un contracte de pr\u00e9stec mercantil model?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#%C2%BFNecesitas_un_Prestamo_Rapido\" >Necessites un Pr\u00e9stec R\u00e0pid?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_prestamo_mercantil\"><\/span><strong>Qu\u00e8 \u00e9s el pr\u00e9stec mercantil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El pr\u00e9stec mercantil \u00e9s un contracte mitjan\u00e7ant el qual un prestador lliura a una altra persona (el prestatari) una determinada quantitat de diners o b\u00e9ns, amb l&#039;obligaci\u00f3 de tornar-los en un termini determinat i condicions acordades, que es regeixen per les normes del Codi de Comer\u00e7, i no pel Codi Civil, el qual regeix els pr\u00e9stecs personals. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El contracte d&#039;un pr\u00e9stec es considera com a \u201cmercantil\u201d nom\u00e9s quan el pr\u00e9stec es realitza en l&#039;\u00e0mbit d&#039;una activitat empresarial o comercial, o quan es t\u00e9 com a finalitat una operaci\u00f3 mercantil. Aix\u00f2 est\u00e0 plasmat legalment a l&#039;article 311 del Codi de comer\u00e7 espanyol.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No tot pr\u00e9stec \u00e9s mercantil, nom\u00e9s aquells que se celebren entre empresaris, aut\u00f2noms o societats amb fins comercials.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Caracteristicas_principales_de_los_prestamos_mercantiles\"><\/span><strong>Caracter\u00edstiques principals dels pr\u00e9stecs mercantils\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els pr\u00e9stecs mercantils presenten una s\u00e8rie de caracter\u00edstiques diferents daltres tipus de pr\u00e9stecs. A continuaci\u00f3, et detallem les difer\u00e8ncies m\u00e9s rellevants:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Car\u00e0cter oner\u00f3s<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A difer\u00e8ncia dels pr\u00e9stecs civils, en els contractes mercantils es presumeix l&#039;exist\u00e8ncia d&#039;interessos, llevat que es pacti expressament el contrari.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Finalitat comercial<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Han d&#039;estar relacionats amb activitats econ\u00f2miques o de comer\u00e7. No es consideren mercantils els pr\u00e9stecs fets entre particulars sense finalitat empresarial.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Formalitzaci\u00f3 habitual per escrit<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tot i que la llei no exigeix un format espec\u00edfic, el m\u00e9s com\u00fa \u00e9s formalitzar el contracte de pr\u00e9stec mercantil per escrit, i aix\u00ed evitar conflictes legals. Podeu utilitzar un model de contracte de pr\u00e9stec mercantil o fins i tot descarregar un contracte de pr\u00e9stec mercantil en PDF. A internet podeu trobar diferents models que us poden funcionar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Regulaci\u00f3 legal<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es regeixen principalment pel Codi de Comer\u00e7, especialment als articles 311 a 315, i suplet\u00f2riament pel Codi Civil.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Inter\u00e8s legal m\u00e9s elevat<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de manca dacord sobre el tipus dinter\u00e8s, saplicar\u00e0 linter\u00e8s legal dels diners vigents, m\u00e9s els rec\u00e0rrecs establerts per la normativa mercantil.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Propositos_de_los_prestamos_mercantiles\"><\/span><strong>Prop\u00f2sits dels pr\u00e9stecs mercantils<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00e9stec mercantil sol utilitzar-se per a diferents fins, per\u00f2 sempre dins un entorn professional o empresarial. Els prop\u00f2sits m\u00e9s comuns s\u00f3n:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inversi\u00f3 inicial per emprendre un nou negoci.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flux de caixa o ampliaci\u00f3 de capital per a una empresa.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compra de mercaderies o primeres mat\u00e8ries.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagament a prove\u00efdors o diners per completar el pagament de n\u00f2mines.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finan\u00e7ament de campanyes publicit\u00e0ries o nous productes&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s creant la teva pr\u00f2pia emprenedoria, o est\u00e0s en fase d&#039;expansi\u00f3, et recomanem llegir el nostre article sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ajudes-joves-emprenedors\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ajudes per a joves emprenedors<\/strong><\/a> com a complement a un pr\u00e9stec mercantil.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diferencias_entre_prestamos_mercantiles_y_prestamos_civiles\"><\/span><strong>Difer\u00e8ncies entre pr\u00e9stecs mercantils i pr\u00e9stecs civils\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s molt com\u00fa tenir dubtes sobre les difer\u00e8ncies entre un pr\u00e9stec civil i un pr\u00e9stec mercantil. Encara que tenen diverses similituds, hi ha difer\u00e8ncies clau entre les seves caracter\u00edstiques, la seva naturalesa, la seva regulaci\u00f3 i les conseq\u00fc\u00e8ncies jur\u00eddiques. &nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Element<\/strong><\/td><td><strong>Pr\u00e9stec Civil<\/strong><\/td><td><strong>Pr\u00e9stec Mercantil<\/strong><\/td><\/tr><tr><td>Normativa aplicable<\/td><td>Codi Civil<\/td><td>Codi de comer\u00e7<\/td><\/tr><tr><td>Presumpci\u00f3 d&#039;inter\u00e8s<\/td><td>No, excepte pacte expr\u00e9s&nbsp;<\/td><td>S\u00ed, excepte pacte en contra&nbsp;<\/td><\/tr><tr><td>\u00c0mbit&nbsp;<\/td><td>Particular, familiar o no professional&nbsp;<\/td><td>Empresarial o professional&nbsp;<\/td><\/tr><tr><td>Garanties&nbsp;<\/td><td>Poden o no existir&nbsp;<\/td><td>Solen incloure garanties comercials&nbsp;<\/td><\/tr><tr><td>Finalitat&nbsp;<\/td><td>Personal o dom\u00e8stica&nbsp;<\/td><td>Comercial, professional o empresarial&nbsp;<\/td><\/tr><tr><td>Termini de prescripci\u00f3&nbsp;<\/td><td>5 anys&nbsp;<\/td><td>3 anys (segons normativa mercantil)&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_tipo_de_contrato_es_el_prestamo_mercantil\"><\/span><strong>Quin tipus de contracte \u00e9s el pr\u00e9stec mercantil?<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>contracte de pr\u00e9stec mercantil<\/strong> \u00e9s un <strong>contracte bilateral, oner\u00f3s i consensual<\/strong>, que genera obligacions per a ambdues parts: el prestador lliura el capital i el prestatari es compromet a tornar-lo en el termini establert, juntament amb els interessos pactats.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Elementos_clave_del_contrato_de_prestamo_mercantil\"><\/span>Elements clau del contracte de pr\u00e9stec mercantil:\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Parts del contracte<\/strong>: prestador i prestatari (persones jur\u00eddiques o f\u00edsiques amb activitat mercantil).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Capital prestat<\/strong>: import o b\u00e9ns fungibles lliurats.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inter\u00e8s<\/strong>: taxa pactada o legalment aplicable.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Termini de devoluci\u00f3<\/strong>: data l\u00edmit per al reemborsament total o parcial.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Garanties<\/strong>: personals (avalistes) o reals (hipoteques, peces).&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s buscant redactar-ne un, pots trobar f\u00e0cilment un contracte de pr\u00e9stec mercantil model a internet o utilitzar un contracte de pr\u00e9stec mercantil en PDF adaptat a la teva operaci\u00f3.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_no_pago_un_prestamo_mercantil\"><\/span><strong>Qu\u00e8 passa si no pago un pr\u00e9stec mercantil?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Igual que qualsevol pr\u00e9stec, no pagar-ho comporta conseq\u00fc\u00e8ncies legals, per\u00f2 en el cas de ser un contracte mercantil, aquest t\u00e9 conseq\u00fc\u00e8ncies legals immediates ja que el prestador pot prendre accions per reclamar el deute de diferents maneres:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Reclamaci\u00f3 judicial<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El prestador podr\u00e0 reclamar els diners per mitj\u00e0 d&#039;una demanda judicial, aix\u00f2 si el contracte est\u00e0 formalitzat correctament, amb els interessos de demora i costos judicials. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Execuci\u00f3 de garanties<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas que s&#039;hagi incl\u00f2s un aval, penyora o hipoteca, el creditor podr\u00e0 executar les garanties per recuperar l&#039;import prestat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Informe a registres de morositat<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s de les conseq\u00fc\u00e8ncies econ\u00f2miques, l&#039;incompliment derivar\u00e0 segurament a l&#039;aparici\u00f3 per part del deutor en un fitxer de morositat com l&#039;ASNEF, afectant greument la solv\u00e8ncia de la part que no ha complert el pagament.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Cl\u00e0usules penals<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alguns contractes inclouen penalitzacions addicionals per impagament, com ara rec\u00e0rrecs autom\u00e0tics o augment del tipus d&#039;inter\u00e8s que es faran efectius en no complir-se amb el pagament. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamo_mercantil_y_el_Codigo_de_Comercio\"><\/span><strong>Pr\u00e9stec mercantil i el Codi de comer\u00e7\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El Codi de Comer\u00e7 espanyol regula els contractes mercantils en general, i els pr\u00e9stecs mercantils en particular, als articles 311 al 315. Aquests s\u00f3n els punts has de tenir en compte si tens dubtes sobre el teu pr\u00e9stec mercantil:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Article 311<\/strong>: defineix quan un pr\u00e9stec es considera mercantil.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Article 312<\/strong>: indica que els pr\u00e9stecs mercantils es presumeixen onerosos (amb interessos).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Article 313<\/strong>: tracta sobre la forma de c\u00e0lcul d&#039;interessos si no se&#039;n va pactar un d&#039;espec\u00edfic.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Article 315<\/strong>: regula el pr\u00e9stec de valors o altres b\u00e9ns fungibles.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En entendre aquests articles, tindr\u00e0s un suport legal i les cl\u00e0usules clares al moment de redactar un contracte de pr\u00e9stec mercantil s\u00f2lid.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prestamo_mercantil_requisitos_basicos\"><\/span><strong>Pr\u00e9stec mercantil: requisits b\u00e0sics<\/strong>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00e9stec mercantil compta amb requisits m\u00ednims per ser legalment v\u00e0lids. Aquests s\u00f3n els que has de tenir en compte: &nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capacitat legal de totes dues parts.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que el pr\u00e9stec tingui finalitat comercial o professional.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que hi hagi un lliurament real del capital o b\u00e9ns fungibles.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que el contracte estigui clar, per escrit preferiblement.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que s&#039;hi inclogui l&#039;inter\u00e8s pactat entre les dues parts igual que les condicions de pagament.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un acord verbal no \u00e9s irregular, per\u00f2 en entorns empresarials \u00e9s molt recomanable deixar const\u00e0ncia escrita de l&#039;acord i les seves condicions per evitar tenir un problema en el futur.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Partes_de_un_contrato_de_prestamo_mercantil\"><\/span><strong>Parts d&#039;un contracte de pr\u00e9stec mercantil\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per al compliment d&#039;un contracte de pr\u00e9stec mercantil, cal incloure els apartats seg\u00fcents:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Dades identificatives de les parts (DNI\/NIF, ra\u00f3 social).&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Objecte del contracte (import i ben lliurat).&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Condicions financeres (tipus dinter\u00e8s, forma damortitzaci\u00f3).&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Termini de devoluci\u00f3 i calendari de pagaments.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Garanties aportades, si n&#039;hi ha.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li>Jurisdicci\u00f3 i resoluci\u00f3 de conflictes.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Com m\u00e9s detallat i espec\u00edfic sigui el contracte, menys marge hi haur\u00e0 per a interpretacions o disputes legals.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFDonde_conseguir_un_contrato_de_prestamo_mercantil_modelo\"><\/span><strong>On aconseguir un contracte de pr\u00e9stec mercantil model?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pots trobar m\u00faltiples opcions de contracte de pr\u00e9stec mercantil model o PDF descarregable en diferents p\u00e0gines d&#039;internet especialitzats en assessoria legal, col\u00b7legis d&#039;advocats, plantilles en l\u00ednia o fins i tot en portals del Govern o c\u00e0meres de comer\u00e7.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recorda sempre que el teu pr\u00e9stec mercantil ser\u00e0 diferent de la resta, per la qual cosa \u00e9s important adaptar el model al teu cas concret. Si \u00e9s una operaci\u00f3 d&#039;alt import o entre societats, \u00e9s recomanable que ho revisi un advocat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El pr\u00e9stec mercantil \u00e9s una eina clau per a moltes empreses, aut\u00f2noms i emprenedors que necessiten liquiditat, inversi\u00f3 o finan\u00e7ament puntual per a la vostra activitat. Entendre les seves caracter\u00edstiques, difer\u00e8ncies amb els pr\u00e9stecs civils i el seu enquadrament legal dins del Codi de comer\u00e7, permet prendre decisions m\u00e9s informades i segures.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s pensant en finan\u00e7ar el teu negoci o impulsar un projecte professional, a <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Avafin<\/strong><\/a> pots trobar solucions de finan\u00e7ament adaptades a les teves necessitats, fins i tot si cerques <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>prestem de 1000 euros<\/strong><\/a>.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, et recomanem informar-te tamb\u00e9 sobre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ajudes-joves-emprenedors\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ajudes per a joves emprenedors<\/strong><\/a>, que es poden complementar perfectament amb un pr\u00e9stec mercantil ben estructurat.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%BFNecesitas_un_Prestamo_Rapido\"><\/span>Necessites un Pr\u00e9stec R\u00e0pid?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A diferencia de los pr\u00e9stamos que las personas naturales realizamos, es muy diferente al mundo de los negocios y las operaciones comerciales, d\u00f3nde los pr\u00e9stamos no siempre tienen las mismas reglas. Las grandes diferencias dependen de quien lo solicite, la finalidad del pr\u00e9stamo, entre que partes se firma, si el pr\u00e9stamo tiene car\u00e1cter civil o [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":6879,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[26,23,21],"tags":[],"class_list":["post-6878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ayudas","category-educacion-financiera","category-prestamo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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les difer\u00e8ncies amb el pr\u00e9stec civil, tipus de contracte i conseq\u00fc\u00e8ncies legals si no es paga.","breadcrumb":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/blog\/prestamo-mercantil\/#primaryimage","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/09\/prestamo-mercantil.jpg","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/09\/prestamo-mercantil.jpg","width":2250,"height":1500,"caption":"A diferencia de los pr\u00e9stamos que las personas naturales realizamos, es muy diferente al mundo de los negocios y las operaciones comerciales, d\u00f3nde los pr\u00e9stamos no siempre tienen las mismas 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