NRB
Domů Interest-free floods loan

Interest-free floods loan

Through an interest-free investment loan with a grant component and a maturity of up to 15 years, we support business recovery and development in areas affected by the 2024 floods.

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Interest-free floods loan

The Flood Programme offers small and medium-sized enterprises and self-employed persons an interest-free investment loan to help with business recovery after September´s floods. The loans will facilitate financing of business projects and starting new company development. Applications are accepted from the beginning of November 2024.

The support is provided in the form of preferential investment loan, combined with the grant component – the financial contribution of up to 25% of the loan principal, applied in the form of forgiveness of principal repayments of the loan.

This financial instrument belongs to the Operational Programme Technology and Applications for Competitiveness 2021-2027 (hereinafter referred to as “OP TAC”).

 

What type of loan do we offer?

  • Loan amount

    CZK 0.5-100 MILLION

  • Loan amount

    UP TO 90%

    Up to 90% of eligible expenses of the project.

  • Maturity

    UP TO 15 YEARS

  • Grace period

    UP TO 36 MONTHS

  • Interest rates and fees

    0% and CZK 0

  • Grant component

    Financial contribution of up to 25%

    A financial contribution of up to 25% of the (actually drawn) amount of the loan principal will be applied as forgiveness of principal repayments of the preferential loan.

What type of loan do we offer?

State aid: De minimis or GBER (Article 14 or 22).

What can be financed with this loan?

  • Acquisition of technological facilities and equipment and the necessary business infrastructure
  • Purchase of production machinery and equipment that will increase the technological level of SMEs and/or their competitiveness
  • Investment in flood risk reduction measures implemented in direct connection with the project
  • VAT on eligible expenditure, even if the beneficiary is a taxable person and can claim back VAT

AREAS MOST AFFECTED BY FLOODING

The interest-free investment loan Flood in the OP TAC programme can be used on the entire territory of Czechia except for the Capital City of Prague.

Other programs offered

  • Transformation – loans

    Interest-free TRANSFORMATION loans are dedicated to support the investment activities of small and medium-sized entrepreneurs active in three just transition regions, i.e. Moravian-Silesian, Ústí nad Labem and Karlovy Vary regions.

      Loan amount 
    • CZK 0.5-100 million
    • CZK 0.5-60m for projects located in Karlovy Vary or Ústí nad Labem Regions, CZK 0.5-100m for projects in the Moravian-Silesian Region)
    • Up to 90 % of eligible expenses of the projects
    • Maturity: up to 10 years
    • Grace period: 4 years
    • Interest rate and fees: 0% and CZK 0
    more information

  • New Energy Savings

    Preferential loan programme for companies of all sizes realizing energy savings projects. Projects can be located anywhere in the Czech Republic except the Capital City of Prague. If the planned energy savings are achieved the beneficiary will also receive a financial contribution in the form of a grant.

    • the loan amount CZK 0.5 – 60 million
    • for investments, up to 90% of all eligible expenses of the project
    • fixed interest rate 1,99% p.a.
    • for SMEs and large companies
    • a financial contribution to the acquisition of an energy assessment
    • financed from ERDF (OP TAC - Technologies and Applications for Competitiveness) 
    more information

  • Interest-free floods loan

    The Flood Programme offers small and medium-sized enterprises and self-employed persons an interest-free investment loan to help with business recovery after September´s floods. The loans will facilitate financing of business projects and starting new company development. Applications are accepted from the beginning of November 2024. The support is provided in the form of preferential investment…

    • CZK 0.5-100 million
    • Up to 90% of eligible expenses of the project
    • Maturity: up to 15 years
    • Grace period: up to 36 months
    • Interest rates and fees: 0% and czk 0
    • Grant component: financial contribution of up to 25%
    more information

  • Subordinated Loan – NRP

    Preferential subordinated loans from the Czech National Recovery Plan (NRP) for green investments are supposed to strengthen the investment activities and competitiveness of SMEs and enable them to implement business projects that contribute to achieving climate goals and green transformation.

    • The amount of the loan CZK 1 - 100 million
    • Loan amount up to 45%
    • Maturity: up to 15 years
    • Grace period: 3 - 5 years
    • Interest rates and fees: 0 - 3%;  CZK 0
    • Senior loan conditions
    • For SMEs 
    •  
    • Funded by the National Recovery Plan - the Czech Republic's Reform and Investment Plan, financed under the EU's Recovery and Resilience Facility
    more information

  • S-Enterprise plus

    The programme enables social enterprises of all sizes to obtain interest-free loans to finance projects aimed at starting or developing business activities. It is suitable for financing projects throughout the country.

    • The amount of the loan CZK 400k - CZK 25m
    • No interest and no fees
    • To cover operating expenses and investments
    • For small, medium and large companies
    • Also for companies with a short history
    more information

  • Energ

    The programme enables Prague companies to obtain interest-free loans to finance investment projects focused on energy savings.

    • the amount of the loan CZK 500 thousand to 60 million 
    • no interest and no fees
    • for investments
    • for small, medium and large companies
    • financial contribution for the acquisition of an energy assessment and for achieving the planned energy savings 
    more information

  • Southern Bohemian

    The programme offers preferential loans to finance projects implemented in the South Bohemia Region.

    • the amount of the loan up to CZK 1 million
    • with a fixed interest rate
    • to cover operating expenses and investments
    • for small businesses and small entrepreneurs
    • also for companies with a short history
    more information

  • Expansion – loans

    The programme enables companies to obtain interest-free loans to finance investment projects for the start-up or development of their business. Projects can be implemented anywhere in the Czech Republic except the capital city of Prague.

    • loan amount CZK 0.65-60 million
    • interest-free loan and free of charge
    • for investments
    • for SMEs and also companies with short history
    • including support of SMEs which were affected by natural disasters
    more information