Business Loans

Your Loan Payments Will Not Move

  • A flexible loan for entrepreneurs
Book a branch visit

We can help your business grow.

We Can Offer

Expres Business

A flexible loan for entrepreneurs, with a maximum of CZK 5 million. Take advantage of the offer of a loan that will adapt itself to you. Loan processing for free.

 

Flexi Business

An overdraft facility allowing you to incur a debit in your account. A financial provision for your company.

 

Operativ Business

A general-purpose operating loan of up to CZK 5,000,000, which only needs to be secured with a bill of exchange, or of up to CZK 10,000,000 if secured with real estate.

 

Operating Loans

To finance your operating needs, such as accounts receivable, inventory, and costs related to business activities.

 

Investment Loans

To finance long-term needs, especially the purchase of machines, equipment, and real estate, or for their renewal.

Financing the Renovation or Privatisation of Residential Buildings

Loans for housing cooperatives and condominiums for the financing of everyday repairs, renovations, or for the purchase of a residential building.

 

The Agricultural Sector

Loans for financing your crops and purchasing agricultural equipment and a stock of agricultural commodities.

 

The Light Industry Sector

Financing business plans in the sphere of light industry.

 

The Eco-Energy Sector

Financing renewable sources in the sphere of eco-energy.

 

Medical and Legal Business

A comprehensive programme of banking services designed for selected professional groups of Physicians, Dentists, and Veterinarians, Lawyers and Notaries, on more advantageous terms.

 

EU Servis

A new MONETA Money Bank service that makes it easier for entrepreneurs and companies to finance their business plans from public sources.

Flexi Business Loan

The Flexi Business Loan is intended for:

  • Natural persons who are acting in the capacity of sole proprietors (NPSP) and associations of NPSP (the loan is secured by your own bill of exchange without your spouse’s aval.; you do not have to present this if you are presenting two tax returns and are requesting a loan of up to CZK 400,000)
  • Legal entities: limited-liability companies and general partnerships (security in the form of the company’s own bill of exchange with an aval. of the partners) and for agricultural cooperatives (without security)

Conditions of the Provision of the Expres Business Loan

The following conditions must be met to obtain the Expres Business Loan:

  • You have been in business for at least one complete tax period
  • The registered seat of your company, address of your permanent residence and citizenship: Czech Republic
  • Minimum revenue in the last year of business activities: CZK 300,000
  • The company is not in bankruptcy / liquidation / composition and no execution has been ordered with respect to the current account
  • You are not delinquent in your payments to the Revenue Authority or the Social Security Administration Office

Other Business Loans

MONETA Money Bank offers many types of business loans with special conditions and benefits such as:

  • Flexi Business - An overdraft facility allowing you to incur a debit in your account. A financial provision for your company
  • Operativ Business - A general-purpose operating loan of up to CZK 5,000,000, which only needs to be secured with a bill of exchange, or of up to CZK 10,000,000 if secured with real estate
  • Operating Loans - To finance your operating needs, such as accounts receivable, inventory, and costs related to business activities
  • Investment Loans - To finance long-term needs, especially the purchase of machines, equipment, and real estate, or for their renewal
  • Financing the Renovation or Privatisation of Residential Buildings - Loans for housing cooperatives and condominiums for the financing of everyday repairs, renovations, or for the purchase of a residential building
  • The Agricultural Sector - Loans for financing your crops and purchasing agricultural equipment and a stock of agricultural commodities
  • The Light Industry Sector - Financing business plans in the sphere of light industry
  • The Eco-Energy Sector - Financing renewable sources in the sphere of eco-energy
  • Medical Business - A comprehensive programme of banking services designed for selected professional groups of Physicians, Dentists, and Veterinarians, on more advantageous terms
  • Legal Business - A comprehensive programme of banking services designed for the professional group of Lawyers and Notaries, on more advantageous terms
  • EU Service - A new MONETA Money Bank service that makes it easier for entrepreneurs and companies to finance their business plans from public sources

Borrow from Us for Your Business

Applying for a Business Loan is easy:
Leave us your contact information and our telephone banker will call you back at no cost and help you.

  • Or call 844 844 844 and we will gladly answer your questions immediately
  • Or visit any MONETA Money Bank branch
  • You can also apply through our SME bankers

Bank Guarantees

We offer domestic and foreign payment and non-payment guarantees.

A bank guarantee is set up as a written declaration of a bank on a guarantee deed, that it will satisfy the recipient of the guarantee to the amount of a certain monetary amount, based on the contents of the guarantee deed, if a specific third person fails to comply with a specific obligation, or if other conditions set out in the guarantee deed are met.

We Offer Domestic and Foreign Guarantees:

  • Payment guarantees – a guarantee that a client's payment obligations are met, e.g., a guarantee for the payment of a purchase price (invoice), for the repayment of a loan, for the payment of a documentary collection, or for the payment of leasing instalments
  • Non-payment guarantees – guaranteeing the meeting of a supplier's obligation, e.g., a guarantee for a bid for a public tender (vadium), guarantee for the return of an advance payment (down-payment), guarantee for the correct execution of a contract (security), guarantee for withheld amounts
  • Other domestic guarantees – for securing excise tax, for TIR carnets

If a greater number of guarantees is required, you can apply for the approval of a line for the provision of bank guarantees

We offer to evaluate the text and check the legal validity of guarantees issued in favour of our clients by a foreign bank or another domestic bank (so-called advised guarantees) and to arrange for the performance on those guarantees.

How to Get It

  • Contact your commercial banker at selected MONETA Money Bank branch, where you will receive an application form for the provision of a bank guarantee
  • With your application for the provision of a bank guarantee, you also need to present documents for assessing the client's credit-worthiness and a document for the issuance of a guarantee (based on the guarantee type – e.g., an order or a contract, an agreement for work, announcement of a public tender in a commercial journal, etc.)
  • A bank guarantee must usually be secured to the full amount of the obligation guaranteed, e.g., by a pledge to a deposit, to real property, to accounts receivable, by a bill of exchange availed by a third person, etc.
  • We will gladly answer any questions that you may have, on the basis of an information request form that you complete.

Contact Us

  • Book a
    Branch Visit

    Book a visit at a nearest
    MONETA Money Bank branch.

    Book a visit

Switch Banks

We'll ensure a smooth transition for you from your existing account to MONETA Money Bank.

More

About Us

Read about our management,
career or history. Find out more
about us.

More

Smart Bank

Control your accounts easily using a mobile phone with the iOS or Android operating system.

More

Accounts

Comprehensive and flexible banking
services that match individual needs
of each client.

More