Loans
“I was surprised by the variety of purposes that
I can use the money for.”
We will advise you on which loan best suits your business.
We will give you the best pricing terms and access to our strategic partners’ programmes.
Operating loans
Do you need money to buy inventories or pay invoices or salaries?
We will provide you with a loan on the most flexible drawdown and repayment terms, tailored precisely to your needs.
Start-up overdraft facility
- For up-and-coming entrepreneurs as well.
- Overdraft facility of up to CZK 50,000.
- No security required.
- No tax return required.
Overdraft facility for companies
- For members of professional associations as well.
- Suitable e.g. for procuring inventories.
- Overdraft facility of up to CZK 2,000,000.
- No need to document the purpose of the funds.
Standard overdraft facility
- Overdraft of up to an agreed amount.
- Individual interest rate.
- No need to document the purpose of the funds.
- Multi-currency limit option for corporate clients.
Operating loan
- One-time or ongoing loan drawdown.
- A repaid amount can be drawn again.
- Choice of the duration, exact dates and amount of payments.
- Multi-purpose credit line.
Multi-purpose credit line
- Pre-approved selected products that you can utilise as you need.
- Possible product combinations include bank guarantees and letters of credit.
- Repaid portions can be drawn again.
Capital loans
You define your investment plan and we help you to complete it successfully.
Use our experience and insights to make your business plans reality more easily.
Tailor-made capital loan
- Suitable for procuring machinery or large investments such as building a new hall.
- Individual security methods and interest rates.
- Repayment period of up to 15 years, depending on the purpose.
- Option of unscheduled payments.
- Option of pre-financing for subsidies.
Non-specific purpose loan
- Suitable for entrepreneurs and companies active for at least two years.
- For members of professional associations as well.
- No need to document the purpose of the funds.
- Provided on the basis of a tax return.
- Up to CZK 2.7 million with no security.
- Loan limit of up to CZK 10 million with real estate collateral.
Real estate loan
- Suitable for procuring, building or refurbishing a property or for development projects.
- Repayment using the income from the sale or lease of the financed property.
- Repayment for 5–25 years depending on the type of the property financed.
- Consulting and assistance for developers and buyers in cooperation with Realitní společnost České spořitelny.
Financing for corporate customers
Business and export financing productsExport and import customer loans.
- Loans for investments made abroad.
- Contract financing.
- Forfeiting.
- Promissory note programme.
Project financing
- Financing for the purpose of completing a domestic or international project.
- Financing for energy projects including renewable and supported energy sources.
- The funds generated by the project are the source of repayment.
Merger and acquisition financing
- Full service for merger and acquisition financing.
- Structure of financing compliant with legal and tax requirements.
- Repayment from cash flow and assets of the newly acquired business.
- Suitable for company acquisitions by experienced executives.
Leveraged recapitalisation
- Provision a non-specific purpose loan against the existing firm’s cash flow.
- This allows for payments of funds to shareholders/owners.
- You do not lose your company or interest.
- A unique offer on the Czech banking market.
Syndicated financing
- One loan provided by a group of banks.
- One loan agreement.
- Uniform terms and conditions and security.
- Access to higher amounts.
- Simpler negotiations and paperwork.
Leasing
Leasing and credit financing tailored precisely to your needs.
For procuring industrial, agricultural, manufacturing, construction, transport and handling machinery and equipment. We provide lease financing through our subsidiaries, Erste Leasing and sAutoleasing.
Operating leasing
- Intended for all types of vehicles and equipment.
- Assets can be bought or returned to the leasing company.
- No need for an upfront payment.
- Fixed and variable payments in Czech crowns and Euros.
- Contracts include servicing, administration and insurance.
Financial leasing
- Long-term lease and subsequent purchase of the leased item.
- Assets can be bought or returned to the leasing company.
- No need for an upfront payment.
- Fixed and variable payments in Czech crowns and Euros.
- Contracts include servicing, administration and insurance.
Credit financing
- Options for repayment conditions.
- Attractive interest rates.
- Fixed loan and insurance premium payments throughout the term of the contract.
Specialised programmes
Are you seeking ways to finance your company’s development?
We have prepared special programmes that take into consideration the specificities of your project and industry. We will give you the best pricing terms and access to our strategic partners’ programmes.
TOP AGRO
- Option of setting payments based on seasonal income.
- Longer maturity for loans financing the procurement of farmland.
- Financing of farming equipment.
- Project consulting and financing.
- Making use of subsidy opportunities.
- Cooperation with the Support and Guarantee Fund for Farmers and Forestry.
Loan with a guarantee from the CMGDB
- Česká spořitelna cooperates with the Czech-Moravian Guarantee and Development Bank.
- Capital and operating loans backed by guarantees or interest subsidies.
- Reduced need for security and/or lower interest rates.
- Programme details available at www.cmzrb.cz.
InnovFin
- Capital loans with a European Investment Fund (EIF) guarantee.
- Capital loans for financing innovative projects.
- Loan amounts up to EUR 7 million.
- EIF guarantee at 50% of the loan.
Discounted loan
- Interest rate reduced by 0.25% p. a.
- Loan amounts from CZK 5 million to 300 million.
- For companies and entrepreneurs with up to 2,999 employees, with a registered number (IČ) and VAT payers.
- For investments or working capital.
- Refinancing of expended internal funding.
- We arrange everything for you.
- Provided in cooperation with the European Investment Bank (EIB).
INOSTART
- Loan of up to CZK 15 million to roll out the business.
- For up-and-coming entrepreneurs and companies pursuing innovative projects.
- Guarantee for 70% of the loan.
- Loan processing at no charge.
- The programme includes fully paid pre-project and project consulting.
TOP INNOVATIONS 4.0
- Loan of up to CZK 15 million to roll out the business.
- For up-and-coming entrepreneurs and companies pursuing innovative projects.
- Guarantee for 70% of the loan.
- Loan processing at no charge.
- The programme includes fully paid pre-project and project consulting.
TOP EU+
- Co-financing of projects using grant calls for the 2014–2020 period.
- Comprehensive grant consulting during all project stages.
- Financing for investments, innovations, research, upgrades and extension of operations.
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