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Loans

UniCredit Bank aims to offer you highly individualised solutions custom-tailored to your exact needs. So contact your bank advisor or the contact links at left so that we can compile for you the most effective combination of our products from the following product portfolio:

Overdraft

An overdraft credit provides a flexible option for financing working capital that enables the client to draw credit within a pre-approved limit in Czech crowns or in another agreed currency. The Bank grants this credit for a maximum of 12 months, and the loan is payable in full at the due date.

Operating capital loan

Operating capital loans are short-term credit lines with maturity up to 1 year and the possibility of rollover. The line can be drawn in Czech crowns or in another agreed currency as an overdraft credit, in tranches, as a credit facility for issuing bank guarantees, a facility for letters of credit, a facility for discounting bills of exchange, and/or as a limit for treasury operations.

Investment loan

An investment loan is a medium-term or long-term instrument designed to finance a client's investment assets. The client can draw the investment loan (under pre-agreed conditions) either one time or in several tranches for a period fixed in advance. The Bank grants investment loans in Czech crowns or in another agreed currency.

SME loan

SME* loans represent a form of fast and flexible financing for small and medium enterprises at UniCredit Bank. They are characterised primarily by their quick processing and lower administrative requirements compared to loans for larger companies.

• More information on the SME loan product can be found here

This special new cross-border lending product is tailored to the needs of companies that operate in several countries simultaneously. It is suited for newly established companies as well as for already existing medium and large companies as a financing solution for subsidiaries in Central and Eastern Europe as well as in Italy, Austria and Germany.

• More information about the Cross Border Plus Credit product can be found here

Corporate Finance

The Corporate Finance Division offers comprehensive and individualised solutions to financial needs especially for large corporate clientele, institutions, and government bodies at various levels. The Division's specialists have abundant experience in structuring and syndicating transactions, whether on the Czech market or in close co‑operation with other entities within UniCredit Group.

• More information on Corporate Finance products can be found here

Real estate financing

UniCredit Bank has many years of experience in providing services in the area of real estate financing. This especially comprises financing of individual projects for various types of real estate: administrative/office premises, retail premises, logistics centres, residential projects and land.

• More information on real estate financing services can be found here

* Definitions of small and medium enterprises vary. At UniCredit Bank, we include among them companies with annual turnover of CZK 50-150 million.