Entrepreneurship has existed since the beginning of human civilization and has changed and adapted according to conditions throughout history and even in the present day. Entrepreneurs are people whose characteristic is that they possess a wealth of knowledge about various branches of entrepreneurial business, they are capable and ambitious, and they bear the risk and responsibility of successful or unsuccessful business results. Precisely because entrepreneurs are innovative and gifted with business spirit, they are ready to start an entrepreneurial venture, or more precisely start a company. Entrepreneurs can develop a business venture by establishing a completely new company, by taking over an existing one, or by deciding to operate through a franchise. For any decision to start a business, entrepreneurs need financial resources in order to survive in the market. There are different ways of financing an entrepreneurial venture, therefore entrepreneurs have a choice of financing with their own funds, borrowing most often from banks, financing the owner's capital through investors or financing from the state. The largest number of entrepreneurs decide on financing by borrowing from banks, that is, financing the company by lending. Lending has certain conditions that the entrepreneur or company must meet in order to be approved for the loan. Each bank has different conditions and loan prices, and it is of great importance that the entrepreneur finds the best and most favorable credit conditions for financing his company. In order to reduce the risk of collecting initial capital, start-up entrepreneurs are often advised to collect funds from several different sources, the so-called. layered financing.