• Profi Loan FIX

    Business loan with quick approval process designed especially for small companies and entrepreneurs.

Quick

Get a loan without tedious administration.

Versatile

Finance your investments, operations, or inventory.

Up to CZK 5,000,000

Receive up to CZK 5,000,000.

No security

Loans of up to CZK 2 million may also be drawn without security.

Why KB?

Customized

This product has been designed especially for small companies and entrepreneurs.

Get insurance

Optional Payment Protection Insurance for entrepreneurs.

KB service

KB provides extensive consulting services for its business clients.

How to get this product?

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

At a branch

Get the service online – directly in the MojeBanka application.

MojeBanka

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

Call Me Back

Intended for

Legal entities or individuals authorized to carry out and actually carrying out their business activities in the Czech Republic.

Specific conditions

Applicants must have tax liability within the Czech Republic and be eligible to take out loans under applicable legal regulations.

Pricelist

Detailed KB pricelist and interest rates.

Detail

About Profi Loan FIX

  • Business loan intended for entrepreneurs and legal entities engaged in business activities / with tax liability within the Czech Republic
  • Loan is provided in CZK, with maximum loan amount of CZK 5,000,000
  • Available as short-term (payable within 1 year), short-term (within 5 years) or long-term loan (within 7 years), either gradually or all at once
  • Profi Loan FIX may be used to finance:
    • Short-term assets
      • Inventory and short-term trade receivables to maturity
    • Movable fixed assets
      • Not intended for computers and/or software; the aforementioned does not apply to all-inclusive workplace equipment that also involves computers
    • Operating needs
      • Repair and maintenance costs
  • Loan may be paid out directly to contractors’ accounts on the basis of presented documents or to a client’s account, with KB verifying the given purpose later based on information from client’s accounting books
  • Investment needs are always financed on the basis of presented documents
  • Loan repayment:
    • Monthly annuity payments
    • At least one interest rate payment between the loan drawdown and 1st annuity payment, with annuity payments paid thereafter
  • Loan is available without security or with security in the form of co-acceptance to a blank collateral draft
    • Standard security instruments also used for amounts exceeding CZK 2,000,000
      • Guarantee
      • Right of lien to real property
      • Right of lien to movables or receivables

You might also like to know

  • Loan requirements:
    • Loan application
    • Current authorization documents for business activities
    • Financial statements including income tax return and auditor’s report
      • Last two fiscal periods
      • Current balance sheet and profit and loss statement, including additional information
    • Copy of an income tax return incl. annexes under Act no. 280/2009 Coll., Tax Code, for the past fiscal period, including additional information
    • Loan security documents – depending on security instruments in question
    • 3 monthly account statements (new clients)
      • For account with client’s previous primary bank
      • Statements may not be older than 6 months

Important information for you

  • Loan is also available without security, provided the following conditions are met:
    • Existing KB clients
      • Current account in KB for no less than 6 months
      • Depending on the business current account turnover:
        • Short-term Profi Loan FIX
          • Loan term of up to 1 year
          • Up to CZK 3,000,000 (over CZK 500,000 solely for clients with KB account for more than 12 months)
        • Medium-term Profi Loan FIX (for clients with KB account for more than 12 months)
          • Loan term of up to 3 years
          • Up to CZK 3,000,000
      • Security in the form of co-acceptance to a blank collateral draft
      • Current authorization documents for business activities are only required
    • New KB clients (even starting business) in selected sectors
      • Clients in selected sectors (farmers, pharmacists, attorneys, notaries, tax advisors, accountants, architects, authorized engineers and technicians, veterinarians, outpatient doctors, and dentists)
        • Short-term Profi Loan FIX
          • Loan term of up to 1 year
          • Up to CZK 100,000
        • Medium-term Profi Loan FIX
          • Loan term of up to 5 years
          • Up to CZK 600,000 (CZK 1,000,000 for dentists)
      • Current authorization documents for business activities are only required