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Operational Loans for Business

Business loans for operations in business.

The Operational business loan is intended for:

  • a client who is an entrepreneur (corporate entity or natural person) and who
    • is authorised to do business in the Czech Republic and also does business here
    • has a tax liability in the Czech Republic
    • meets the conditions of the pertinent legal regulations for acceptance of the loan
  • municipalities, clusters of municipalities, regions, contributory organisations established by a municipality or region, corporate entities founded by a municipality or region

Characteristics of the Operational business loan:

  • purpose – the loan is used for financing of:
    • operational requirements
    • investment requirements
    • current funds
    • a temporary lack of funds
  • form of the loan:
    • financing maturity:
      • short-term
      • medium-term
      • long-term
    • method of financing:
      • one-off
      • gradual
      • revolving or bank overdraft
    • currencies: CZK, EUR, USD, CHF or GBP
Types of business loans:
  • Revolving loan
    • with one limit (allows for repeated increase in the undrawn amount of the loan by the instalment amounts paid by the deadline as agreed in the contract)
    • with a basic and current limit
      • can be drawn on and repaid according to agreed deadlines up to the level of the current limit
      • the current limit can be set according to the client's financial situation up to the level of the basic limit
    • maturity
      • for a definite period
        • short-term (up to 1 year)
        • medium-term (up to a maximum of 3 years)
      • for an indefinite period
  • Bank overdraft
    • maturity
      • for a definite period
        • short-term (up to 1 year)
        • medium-term (up to a maximum of 3 years)
      • for an indefinite period
    • is provided in the client's current (overdraft) account
    • the debit balance limit cannot be exceeded
    • purpose:
      • especially for bridging a temporary lack of funds
      • for financing debts from commercial transactions, stock, or operational requirements (in specific cases in combination with investments) resulting from commercial activity
    • for details see Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency
  • Loan for bridging a lack of funds
    • short-term or medium-term
    • a source for financing of overdue debts, payment of salaries
    • usually one-off drawing
      • specifically for direct payment
      • by transfer to the client's current account
    • fixed or flexible interest rate
    • loan provided exclusively in CZK
  • Loan for current funds
    • short-term, medium-term or long-term
    • at most up to the anticipated level of current funds or specific types of current funds as of a specific date
    • the loan can be drawn on and the principal repaid in a one-off manner or gradually
    • for direct payment of business requirements
    • fixed or flexible interest rate
    • in CZK, selected foreign currencies (EUR, USD and CHF) or a combination of these currencies
    • we also offer the loan for current funds as a revolving loan for financing of debts up to the regular maturity date in the Czech Republic and abroad
  • Loan for operational and investment requirements
    • short-term, medium-term or long-term
    • at most up to the anticipated level of requirements the loan is used for
    • for investment parts, up to the level of the contractual price
    • one-off or gradual drawing
    • for direct payment of business requirements
    • fixed or flexible interest rate
    • in CZK, selected foreign currencies (EUR, USD and CHF) or a combination of these currencies

Advantages of Operational business loans:

  • possibility of bridging current, short-term, unavoidable financial problems
  • a financial reserve for unexpected expenditure
  • drawing on a loan at a level adapted to suit the requirements of the client
  • possibility of gradual drawing according to development of requirements

An Operational business loan allows you to:

  • finance overdue debts, pay out salaries owing etc.
  • operationally and comprehensively finance the operational and investment requirements of the business on the basis of one contract
  • gain separate loans for individual types of current funds

How to get an Operational business loan?

  • contact your relationship manager
  • call the free KB Info line on 800 521 521

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