For investment and

CZK 4,000,000

Benefit from better terms and conditions with the bank guarantee

Guarantee covering up to 80% of the loan principal

Loan processing free of charge

How to get this product?

By phone

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At a branch

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  • Loans intended for implementation of business projects targeting investments in long-term tangible and intangible assets or funding and purchasing of inventory / small tangible assets or purchasing of small intangible assets
  • Use the loan to finance your investments and development projects under special terms even without loan security
  • Benefit from our free consulting services at KB branches
  • Receive current information about guarantee programmes of NRB
  • We will help you with the guarantee application process
  • Guarantee covering up to 70% / 80% of the guaranteed loan principal (depending on the guarantee type)

About M-Guarantee

M-Guarantee is a bank guarantee provided under special conditions to businesses interested in investment or operating loans, with limited loan security options. Get a loan of up to CZK 4 million – depending on its purpose. Benefit from a simplified process relating to the provision of the M-Guarantee. 

Loans supported by Národní rozvojová banka (NRB, formerly Českomoravská záruční a rozvojová banka) are intended for individuals and legal entities (businesses):

  • Authorised to carry out business activities in the Czech Republic
  • With tax liability within the Czech Republic
  • Eligible for the loan under applicable legal regulations
  • Complying with terms and conditions for small and medium-sized enterprises pursuant to Commission Recommendation of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises (2003/361/EC)

Other requirements for applicants:

  • 250 employees or less
  • Annual turnover not exceeding EUR 50 million
  • Annual balance sheet total (total assets) not exceeding EUR 43 million

Receipt of applications within the GUARANTEE 2015-2023 programme reopened

The receipt of applications for guarantees within this programme was reopened on 11 February 2016. Certain parameters of the programme have changed. For information about the programme, ask your relationship manager or visit

European Fund for Strategic Investments (EFSI) – European Union (EU) 

The GUARANTEE 2015-2023 programme benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of enterprises and small and medium enterprises (COSME) (2014-2020).