Unlike most banks in the market, we will not ask you to repay the loan every year, if you use your account adequately. The loan will be at your disposal for an indefinite period. If you are a sole trader or a company, a monthly turnover of at least half of the loan amount will be sufficient; and for freelancers, the threshold can even be as low as 30%. Of course, this will not apply if you decide to dispose of the company or change the shareholders, or if you stop paying interest, go bankrupt, etc.

As another advantage, we will lend you up to CZK 2.5 million and you can make your first reserve of up to CZK 250,000 with us after just six months of doing business. Plus, you don't have to reapply for a loan every year.

Unfortunately not, but even in this case there is something we can offer you. You can take out a favourable start-up loan of up to CZK 100,000, which you will normally repay monthly. For details, see instalment loan.

Not at all, except that there is a common limit on how much you can borrow in total at the start of your business. This means that if, for example, we can lend you a total of CZK 250,000 after 6 months, it is up to you whether and how you split it between a loan and an overdraft. However, having a loan of CZK 200,000 and an overdraft of CZK 150,000 at the same time will not be possible at that moment. We may, of course, increase your limits after your first tax return.

If you want more than CZK 250,000, you primarily need to submit a tax return for at least 12 months of business. For loans up to CZK 250,000, you can do without it; we will only check that you have been in business for at least 6 months.

In each case, you also need to prepare an extract from the business or trade register and, of course, the ID card of a statutory representative.

One of the main advantages of our operating loan is that you don't have to repay it every year. It will be available for your use as long as you fully use our business account. We will only want to see that your monthly turnover in the account is large enough, i.e., at least 50 % of the loan amount for sole traders and companies and 30% for freelancers.

Other than that, we do not have any special conditions for granting you a loan. You can borrow from us simply if you do business under a business registration number and have no negative records in the debtor registers.

No, you don't. We will handle this simply and without unnecessary complications by means of a bill of exchange.