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Interest rate of 9.9% p. a.

available after only one year of business

Or an overdraft of up to CZK 250,000 to get you started

  • A guaranteed interest rate of 9.9% p. a. on overdrafts between CZK 250,000 and CZK 2.5 million.

  • Up to CZK 250,000 even without a tax return.

  • We offer overdrafts of up to CZK 8 million for farmers.

I would like a non-binding offer

To avoid disruptions in your income

Get a backup that will support you when things don't go according to plan.

Money always at hand

An overdraft is an operating reserve that you can use at any time and for any purpose in your business. No further requests or approvals required. The money is always available in your account.

No additional expenses

You only borrow only as much as you need each time. Not less, not more. So, you don't pay anything extra. And when you don't use your reserve, you don't pay any interest, of course.

Certainty that you have a source

Seasonal fluctuations in income? Broken equipment? An unexpected opportunity to buy something? With an overdraft, you can be sure that you will be able to cover unexpected expenses without blowing your budget.

I would like a non-binding offer

How exactly does an overdraft work?

We will discuss how you envision your reserve, and it can be yours in just 2 hours.

1. You change your mind about the amount

For amounts over 250,000 and up to 2.5 million, you are guaranteed an interest rate of 9.9% p. a. A tax return for at least 12 months of business activity is sufficient. If you are starting a business, you can take out a reserve of up to CZK 250,000.

2. Let's talk it over with no strings attached

We will arrange a meeting at our branch and advise you on everything. So that your reserve is just right and helps you. Don't worry, we have over 120 branches, so you're never far away.

3. Let us take a moment to approve it

We will quickly discuss with our colleagues whether an overdraft would do you more harm than good. We usually wrap up within 2 hours, and then you can borrow as much as you need at any time.

4. The reserve is ready

You can use it whenever you need it. No questions asked, no strings attached, up to the full amount of the reserve. You pay it back when it suits you, and we deduct the interest ourselves, so you don't have to worry about it.

I would like a non-binding offer

What you are most interested in

Why should I borrow from you
What documents do I need if I want to borrow money
Are there any other conditions I need to meet
Do I need any collateral or guarantees
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