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Financing

Recommended Products and Services

  • Profi Loan

    The Profi loan is a business loan specially designed for small-scale entrepreneurs and SMEs with a significantly simplified and shortened approval process. The Profi loan is a short-term or medium-term loan and is intended for financing current funds, operational requirements or for purchase of tangible investment assets.

  • Credit Card for Entrepreneurs

    A combination of a payment and loan product. Allows you to pay for goods and services and withdraw cash independently of the balance in your business current account. The credit card provides you easily and quickly with a loan up to the level of CZK 200,000, which you can drawn on anywhere in the world where you see the MasterCard logo. Now 2,2% price discount at Benzina filling stations.

  • Profi Factoring

    Profi Factoring is a modern and easy way of financing your trade receivables. With Profi Factoring, you not only gain financing, but also active management, collection and recovery of receivables by a factoring company.  

  • Profi leasing

    Profi leasing in a form of financial lease with buy option is designed to finance purchases of variety of machinery or equipment.

Complete overview of products and services included in the section Financing

This list contains an overview of the products and services included in the Financing section of Komerční banka. The product and service overview is arranged in alphabetical order.

  • Authorised Overdraft in a Commercial Current Account

    Authorised overdraft is a short-term overdraft in CZK for financing fluctuations in the client's current funds. It is provided in the business current account. The client can thus draw on funds in their account up to the contractually agreed limit of the debit balance.

  • Bank Guarantee

    An effective method of decreasing commercial risks relating to doing business. A universal instrument for securing transactions which can be used the world over. A Bank guarantee is created by written declaration by the bank in a letter of guarantee that it will satisfy the creditor up to the level of a specific financial amount if the debtor fails to meet a specific obligation or if other conditions as set out in the letter of guarantee are not met.

  • Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency

    The Bank overdraft is especially intended for financing of operational requirements resulting from the client's commercial activities. The loan is administered in the client's current account.

  • Credit Card for Entrepreneurs

    A combination of a payment and loan product. Allows you to pay for goods and services and withdraw cash independently of the balance in your business current account. The credit card provides you easily and quickly with a loan up to the level of CZK 200,000, which you can drawn on anywhere in the world where you see the MasterCard logo. Now 2,2% price discount at Benzina filling stations.

  • Development Financing

    Development financing allows for financing of a development project, i.e. business plan, the aim of which is to build or purchase real estate for the purpose of its rental or sale.

  • Loan for Investment in CZK and in a Foreign Currency

    A loan for acquisition of tangible or intangible fixed assets (buildings including projects, machinery and equipment or sets of these etc.) up to the level of the contractual price.

  • Loan for Operational and Investment Requirements in CZK and in a Foreign Currency

    Operational financing of comprehensive commercial requirements with the aid of a single loan contract in CZK and other currencies. Possibility of financing operational requirements resulting from commercial activity and also acquisition of tangible and intangible fixed assets.

  • Loan for Purchase of Shares or Business Shares in a Trading Company in CZK or in a Foreign Currency

    The loan is provided for financing of purchase of a business share in a commercial company and for purchase of shares into a strategic portfolio including privatisation.

  • Loan for SMEs from the Resources of the European Investment Bank

    Loan resources from the European Investment Bank (EIB). On the basis of a contract between Komerční banka and the EIB, Komerční banka is able to provide loans with an interest rate 0.25% p.a. lower.

  • Loans for Housing Cooperatives and Flat Owners Associations

    The suitable parameters of the offer enable financing even without securing and without guarantees from the owners of individual residential units or members of the association.

    Financing is possible for the purposes of reconstruction, modernisation, repairs and operation of residential buildings, refinancing of previously provided lines of credit or loans.

  • Loans with support of CMZR Bank

    Make the most of our long-term partnership with the Czech-Moravian Guarantee and Development Bank. We cooperate with CMZR Bank in field of guarantee programs and co-financing of development projects of our clients by subordinated debt by CMZR Bank.

  • Medicum Loan

    Medicum is a flexible operational-investment loan with decreased fees and simplified process for application and approval, prepared specially for the requirements of doctors and dentists.

  • Mortgage Loan in CZK or in a Foreign Currency

    A medium-term or long-term loan intended for investment, especially into real estate, which must be secured by mortgaging of real estate.

  • Operational Loans for Business

    Komerční banka offers you short-term, medium-term and long-term loans for operational and investment requirements for current funds or for a temporary lack of funds. The method of financing is a one-off loan, revolving loan or bank overdraft in a current account.

  • Ponte II Programme

    Loans in the Ponte II Programme for financing projects with grants from the European funds. A loan for pre-financing a grant resolves the time discrepancy between payment of project costs and receipt of the grant. The loan for co-financing a project can be used to pay for costs, which are not covered by the grant.

  • Profi Factoring

    Profi Factoring is a modern and easy way of financing your trade receivables. With Profi Factoring, you not only gain financing, but also active management, collection and recovery of receivables by a factoring company.  

  • Profi leasing

    Profi leasing in a form of financial lease with buy option is designed to finance purchases of variety of machinery or equipment.

  • Profi Loan

    The Profi loan is a business loan specially designed for small-scale entrepreneurs and SMEs with a significantly simplified and shortened approval process. The Profi loan is a short-term or medium-term loan and is intended for financing current funds, operational requirements or for purchase of tangible investment assets.

  • Profi Loan FIX

    The Profi loan FIX is a business loan specially designed for small-scale entrepreneurs and SMEs with a significantly simplified and shortened approval process. It especially differs from the Profi loan in its annuity repayment with a fixed interest rate.

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