Business operating loans

Finance your operations, investments,
and temporary financial shortfalls

Business loans
for everyone

Select one of 5 loan types
to suit your needs

Funds may also be drawn to a client’s account

In CZK, EUR, USD, CHF, GBP or a combination thereof

Loans may also be drawn gradually​

Separate loans for individual current asset types

Arrange your loan online

BUSINESS LOANS CAN BE USED TO

  • Settle overdue receivables or outstanding wages

  • Overcome unexpected financial problems

  • Finance operations and investments under a single agreement

  • Finance inventory and operations

BUSINESS LOANS CAN BE USED TO

Revolving loan facility

  • Fixed or open-term maturity
  • Single limit or a combination of two limits

 

Bank overdraft

  • Bank overdraft for your current account
  • Available for different purposes

Loans for operations

  • Short and long-term loan
  • One-off or gradual drawdowns/repayments

For operations and investments

  • Different repayment periods available
  • Up to the amount of funded operations or contract price for investments

Overcome temporary financial shortfalls

  • Short or medium-term loan
  • Fixed or variable interest rate

How to get this product?

At a branch

Select a branch, leave your contact information – we will call you back.

By phone

Leave it all up to us. Leave your contact information – we will call you back.

MojeBanka

Get the service online – directly in the MojeBanka application.

MojeBanka
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USEFUL INFORMATION

  • Business loans for individuals and legal entities operating and liable to taxes in the Czech Republic and comply with applicable legal regulations for accepting credits
  • Business loans are also available for municipalities, regions, and entities established by them
  • Finance your operations, investments, working capital, and temporary financial shortfalls
  • Short, medium, and long-term maturity available for business loans
  • Benefit from single-payment, gradual or revolving loans and bank overdrafts
  • Business loans are available in CZK, EUR, USD, CHF, and GBP

 

Choose a business loan that best suits your needs. Arrange it by telephone or make an online appointment at a branch using this website.

Revolving loan

  • With a single limit (available funds are increased by any payments made by a deadline) or with a basic limit and a current limit (draw and repay funds up to your current limit that may be set up to the amount of your basic limit)
  • Fixed or open-term maturity (no more than 3 years)

Bank overdraft

  • Available for your current (bank overdraft) account
  • Debit balance limit cannot be exceeded
  • It is used to overcome temporary financial shortfalls, finance trade receivables, inventory or operations (in combination with investments in certain cases)

Loan for current assets

  • Short, medium or long-term loan for direct settlement of business needs
  • Up to the estimated amount of current assets or their specific types at a certain date
  • Benefit from one-off or gradual drawdowns and repayments
  • Fixed or variable interest rate
  • In CZK, selected foreign currencies (EUR, USD, CHF) or a combination thereof
  • It may be used as a revolving loan to fund receivables (within standard maturity) in the Czech Republic and abroad

Loan for operations and investments

  • Short, medium or long-term loan for direct settlement of business needs
  • Up to the amount of funded operations or contract price for investments
  • One-off or gradual drawdowns
  • Fixed or variable interest rate
  • In CZK, selected foreign currencies (EUR, USD, CHF) or a combination thereof

Loan to overcome temporary shortage of funds

  • Short or medium-term CZK loan
  • Settle overdue receivables or outstanding wages 
  • Usually a one-off loan for direct payment (purpose) or funds made available to a client’s account
  • Fixed or variable interest rate