Profi loan for small businesses
Profi loans form small business
Always having sufficient funds to finance your everyday business and its further growth forms the basis of successful business.
When preparing our financing offer for sole traders and other entepreneurs , we consider your needs putting the greates emphasis on speed , simplicity and flexibility of our loans.
We offer a variety of loans from which you can always choose the best and the most efficient way how to satisfy your business needs.
Types of Profi loans we offer:
1) Profi loan:
- all-purpose loan from EUR 3 300 to EUR 166 000
- designed for financing of operating business needs of a client without necessity of proving utilization purpose
- maturity period for overdraft from 6-12 months, for instalments from 1 to 2 years
- Loan collateral : blank promissory note signed by company owners
2) Profinvest:
- purpose loan from EUR 3 300 to EUR 33 200
- to fund short- term and medium–term investment needs of clients , in particular purchase and installation , improvement and reconstruction of immovable or movable assets
- maturity period from 2 to 3 years
- Loan collateral: blank promissory note signed by company owners
3) Profinvest plus
- purpse loan from EUR 9900 to EUR 332 000
- financing of client´s mid-term and long- term investment needs to purchase business related movable assets (e.g. machinery, tecnology)
- the bank can require the client to provide a certain amount of own funds ( 30% of total expenses) for its investment plan
- maturity period from 2 to 8 years
- Loan collateral:
- blank promissory note signed by company owners
- pledge over movable assets
- insurance of pledge movable assets
4) Profihypo loan
- Profihypo loans offer a solution how to obtain funds up to EUR 500 000
- financing investment in a real estate used for business purpose – purchase , construction, reconstruction or repayment of loan granted for the above purpose
- maturity period from 4 to 15 years
- Loan collateral:
- a blank promissory note
- an appropriate domestic real estate
- registered in the Real Estate Cadastre
- under construction located on a plat map
- without any restriction on a transfer of ownership title to the relevant real estate
- insurance of pledge immovable assets
Documents reqiured for all types of Profi loans:
1)To access loan application:
- loan apllication
- tax return and financial statements for the last accounting period completed or as at the and of completed half- year of a current accounting period
- confirmation of a tax liability amount and a tax payment receipt
- an expert opinion prepared by an expert under Notice No. 492/2004 Coll. on Determining General Value of Real Estate within the HYPO Program (for Profihypo loan)
2) following loan approval
- documents supporting the business license
- documents proving the loan purpose ( for Profihypo loan and Profinvest plus loan)
