• Business Operating Loans

    Business loans for operating needs.

Quick solution

Overcome any sudden financial problems.

Reserves

Get financial reserves to cover unexpected financial expenses.

Up to you

Choose the loan drawdown method at your discretion.

One agreement

Finance your operations and investments as needed and under one agreement.

Why KB?

Finance receivables

Finance overdue receivables or outstanding wages.

Gradual drawdown

Your loan may also be used gradually.

Separate loans

Separate loans for individual currencies.

How to get this product?

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At a branch

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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.

Other applicants

Municipalities and their clusters, regions, contributory organisations or legal entities set up/founded by regions or municipalities.

Pricelist

Detailed KB pricelist and interest rates.

Detail

About Business Operating Loans

  • Loans intended for legal entities and individuals carrying out their business activities / with tax liability the Czech Republic and be eligible to take out loans under applicable legal regulations
  • Also available for municipalities, regions and various entities founded by them
  • Loans may be used to finance operating and investment needs, current assets or short-term shortage of funds
  • Three maturities available: short-term, medium-term, and long-term
  • Draw your loan at once or gradually or as a revolving credit or overdraft loan, as appropriate
  • Available loan currencies: CZK, EUR, USD, CHF, and GBP

You might also like to know

  • Business loan types:
    • Revolving credit
      • Single limit (possibility to repeatedly increase undrawn loan amount by payments made within the deadline specified in an agreement)
      • With basic and current limit
        • Draw and repay up to the current limit – in line with agreed deadlines
        • Current limit may be set up according to client’s financial situation – up to the basic limit
      • Loan term
        • Fixed term
          • Short-term (up to a year)
          • Medium-term (no more than 3 years)
        • Indefinite term
    • Bank overdraft
      • Loan term
        • Fixed term
          • Short-term (up to a year)
          • Medium-term (no more than 3 years)
        • Indefinite term
      • Provided to a current account
      • Specified credit limit cannot be exceeded
      • Purpose:
        • Particularly for overcoming temporary shortage of financial funds
        • Funding of trade receivables, inventory, or operating needs (in combination with investments in some cases) arising from business activities
    • Loan aimed at overcoming shortage of financial funds
      • Short-term or medium-term
      • Funding for overdue receivables, payroll costs
      • Usually used in a single drawdown
        • For specific purpose – direct payment
        • Transfer to client’s current account
      • Fixed or variable interest rate
      • Solely in Czech crowns (CZK)
    • Loan for current assets
      • Short-term, medium-term or long-term
      • Up to the expected amount of current assets or specific types of current assets as of a specific date
      • Loan drawdown and repayment: at once or gradually
      • Direct settlement of business liabilities
      • Fixed or variable interest rate
      • Available in Czech crowns (CZK), selected foreign currencies (EUR, USD, and CHF) or their combination
      • Also available as revolving credit for funding of receivables up to standard maturity, both domestically and abroad
    • Loan for operating and investment needs
      • Short-term, medium-term or long-term
      • Up to the expected amount of the financed needs
      • For investment component – up to the contractual price
      • One-off or gradual drawdown
      • Direct settlement of business liabilities
      • Fixed or variable interest rate
      • Available in Czech crowns (CZK), selected foreign currencies (EUR, USD, and CHF) or their combination