Business loans

Fio banka has a long-standing commitment to financing business activities of entities in the Czech Republic and Slovakia. Leveraging its extensive experience, it offers a wide range of credit products including operational, investment, development, and project financing.

Primary features of Fio banka loans

  • The loan amount starts from 20 million CZK, with a repayment period of up to 25 years depending on the nature and distribution of future income from the financed project. Upon agreement and meeting the bank's conditions, especially regarding the nature of the real estate collateral, it may be possible to arrange a loan starting from 3 million CZK.
  • Loans are provided based on real estate collateral (the maximum loan amount typically ranges from 60 to 75% of the property's market value), which can be supplemented with collateral of creditworthy receivables, movable assets, securities, and optionally guarantees.
  • The fees for loan origination and administration are determined on an individual basis.
  • The loan interest rate is typically structured as variable, comprising the reference rate PRIBOR or EURIBOR and a fixed contractual margin. Loans are usually arranged with an annual fixation.

Benefits

  • Zero fees for maintaining bank accounts and payment transactions
  • Loan interest calculated on a daily basis
  • No penalties for full or partial early repayment of the loan
  • Individualized approach

Types of business loans:

Operational financing

Investment financing

Real estate development financing

Project financing

Debt refinancing

Contacts for your inquiries:

helpline (general): +420 224 346 800

phone numbers for business loans over 20 million CZK:

  • +420 224 346 367
  • +420 224 342 007
  • +420 224 342 071
  • e-mail: uvery@fio.cz

Please send us the following information:

  • Applicant's personal details
  • Information regarding the real estate or other collateral for the loan (including floor area measurements of the properties and their addresses for initial appraisal purposes)
  • Specifics of the financed project (including requested loan amount, loan maturity, and details of cash flows intended for loan repayment).

If the above-mentioned parameters for business loans do not meet your needs (loan amount, required collateral, etc.), consider applying for a favorable commercial mortgage loan, business overdraft, or installment loan.

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