Investment loans

Are you going to renovate or expand your company’s facilities? Do you need to free up funds invested in the last 12 months? We will help you in the decision-making on new investments and select a mix of loan and leasing tools for you to best suit your requirements.

Call us at our Infoline 800 14 00 14 and agree on an appointment with your advisor.

We will help you to

  • finance investments into technologies as well as such tangible assets such as real estate and machinery.
  • refinance investment loans that you draw from other banks.
  • refinance your own sources invested in the last 12 months.

Simplicity and flexibility

  • You may use the financing also for another purpose – for example, in relation to representing your company.
  • We allow you to defer payments.
  • You may draw our medium- or long-term investment loan in lump sum or progressively.
  • We provide loans in Czech korunas as well as foreign currencies.
  • You may combine a loan with leasing.
  • The interest rate and frequency of payment may be set differently for the period when the loan is drawn and for the period when the loan is repaid (we adjust the frequency of instalments to suit your cash flows).
  • We can help you to hedge against unfavourable interest rate developments.
  • Maintenance of the loan account is free of charge.
  • You may secure the loan by means of various types of security. In addition to standard methods (personal guarantee, real estate, among others), you may also use, for example, a bank guarantee from the Czech–Moravian Guarantee and Development Bank (ČMZRB).
  • For selected companies with less than 3,000 employees, we can provide benefits in the form of lower interest rates thanks to funds from the Council of Europe Development Bank (CEB) and the European Investment Bank (EIB).
  • We will set up an advantageous loan to be tailored for you.

Financing support (EIB, CEB and ČMZRB)

Investment loan with guarantee from Czech–Moravian Guarantee and Development Bank and support of social enterprises

Thanks to cooperation with the Czech–Moravian Guarantee and Development Bank (ČMZRB), we are able to offer to enterprises comprising up to 50 employees a guarantee up to 70% of the loan amount, which can be max. CZK 4 million. With this guarantee, it is possible to reduce the costs of risk, thus achieving a lower interest rate. ČMZRB supports social enterprises for which along with the guarantee allows the possibility of obtaining a financial support up to CZK 500 ths.

Investment loan from European Investment Bank

For enterprises with less than 3,000 employees we offer a loan from European Investment Bank (EIB) sources. Compared to standard loans, it has an interest rate reduced by 0.25% p.a. This benefit applies for loans up to CZK 350 million and may cover up to 100% of project expenses. In combination with other EU sources (e.g. subsidies from structural funds), however, EIB sources may not exceed 100% of the project’s acknowledged expenses. The reduced interest rate can be obtained by drawing sources from the Council of Europe Development Bank (CEB).

Investment loan from Council of Europe Development Bank

We offer a benefit from the Council of Europe Development Bank to municipalities and enterprises with less than 250 employees and whose loan does not exceed CZK 70 million. As with the EIB, it is possible to combine this support with other EU sources provided that the amount of sources from the EU does not exceed 100% of the project’s acknowledged expenses. The reduced interest rate can be obtained by drawing sources from the European Investment Bank (EIB).

Quickly available investment loan

We offer a quickly available investment loan for small and medium-sized enterprises (with revenues exceeding CZK 10 million). We provide these loans in amounts up to CZK 10 million depending on the company’s creditworthiness, and the security.

Send us your financial statements along with your contact information to the email address rychlyuver@unicreditgroup.cz, and we will inform you as soon as possible about the amount and pricing of a loan for your company.

Within 5 days from meeting with our advisor, we will give you a final decision regarding the loan’s approval and will prepare the contractual documentation.

To process an application, you will need the following documents:

  • Financial statements for two completed accounting periods and interim statements.
  • For new clients, current account statements for the last 3 months.
  • Information about the time structure of trade payables, accounts receivable and bank debts.
  • Information on your investment (investment value, sources of financing, cash-flow plan)