Home > Corporate & public sector > Loans > SME loan

Quick operating capital loan

Our innovation for small and medium enterprises (with turnovers above CZK 50 million; offer for smaller businesses and entrepreneurs here) is a quickly available operating capital loan. You will know within 3 days whether you have been approved for a loan. We provide these loans in amounts up to CZK 10 million, never using real estate as collateral, and with the possibility of multipurpose drawing according to your individual needs.

 
Benefits for you:

• We can identify whether you qualify for a quick loan at the very first meeting at your company.
• Also at the first meeting, we will calculate your interest rate.
• Within 3 days we will give you the final decision regarding approval and will prepare the contractual documentation.
• You will need only the following documents:
  - Financial statements for two concluded accounting periods and interim statements*)
  - For new clients, current account statements for the last 3 months
  (summary electronic banking statement)
  - Information on the time structure of business liabilities, receivables and bank debts

Conditions:

• Drawing up to CZK 10 million – depending on the size of revenues, the company’s creditworthiness and collateral (never using real estate as collateral)
  If you send your financial statements and contact information via email to rychlyuver@unicreditgroup.cz, we will inform you instantly of the amount and cost of a loan for your company.
• Possibility to draw in the form of
  - a multipurpose credit line (includes the select forms of drawing stated below in one!)
  - an overdraft loan
  - short-term loans drawn in tranches
  - short-term bank guarantees
  - export and import letters of credit
  - credit line for hedging currency and interest rate risk
• The loan is intended as financing for the client’s working capital and funding for its operating activities.
• Maturity up to 1 year with the possibility of renewal
• Interest rate established individually based on the company’s creditworthiness

Our bank advisors for corporate clientele will provided you with additional information:

*) Photocopy of the balance sheet and income statement in full version not older than 3 months.