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Are you seeking to conveniently and efficiently manage your finances? Try the BUSINESS Account, which includes provision of an operating capital loan free of charge.

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Home > Small business > Loans > Operating capital loans
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BUSINESS operating capital loans

BUSINESS operating capital loans are intended for entrepreneurs and small businesses with annual turnover of up to CZK 50 million that have been in operation at least 1 year and have their registered office/place of business in the Czech Republic.

Every Business mortgage comes with an overdraft line of credit of min. CZK 200,000. For more information, please contact your banker or call 800 144 441.

  • loan application accepted and evaluated free of charge
  • loan granted and renewed as part of BUSINESS Account free of charge
  • maximum loan amount up to CZK 12.5 million
  • individual approach to the risk assessment, including collateral
  • variable interest rate established on an individual basis
  • possibility of granting the loan in CZK, EUR or USD
  • services of a personal banker as a matter of course

General-purpose overdraft loan intended for financing your company's short-term operating capital needs related to its subject of business (e.g. to bridge the time discrepancy between the due dates of your receivables and payables).

Standard operating capital loan

  • loan amount: max. 25% of your turnover for the account period last ended; min. CZK 100,000, max. CZK 12.5 million 
  • loan currency: CZK, EUR, USD
  • loan maturity: max. 12 months with the possibility of renewal
  • collateral: individually determined depending on the loan amount and your credit scoring

Fast operating loan

  • loan amount: max. 10% of your turnover for the account period last ended or max. 20% of the turnover on your current account over the last 6 months; min. CZK 50,000, max. CZK 1 million 
  • loan currency: CZK
  • loan maturity: 12 months with the possibility of renewal
  • collateral: promissory note with co-acceptance by the majority owner (in the case of a legal entity)

Are you interested in this product? Choose the way of contacting us that suits you the best.

On-line

Fill out the simple online request form and one of our bankers will contact you as soon as possible.

At a branch

Schedule a meeting at your nearest branch.

By telephone

We are at your disposal on our toll-free line
800 144 441 (7 a.m.–10 p.m. daily).

Basic conditions for obtaining the loan:

  • your company’s annual turnover is up to CZK 50 million
  • you have no overdue liabilities to the Tax Authority or the Czech Social Security Administration
  • your company is not in bankruptcy or liquidation
  • your business is legally created as an f.o. (natural person), s.r.o. (limited liability company), a.s. (joint-stock company), v.o.s. (general commercial partnership), k.s. (limited partnership) or freelance profession

Basic required documents:

  • trade licence, extract from the Commercial Register, or the like 
  • identification document, i.e. ID card or passport
  • tax returns (including annexes) for the last 2 years