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.
T
Transformation – loans
Karlovarský kraj, Ústecký kraj, Moravskoslezský kraj
Karlovarský kraj, Ústecký kraj, Moravskoslezský kraj 
What type of loan do we offer?
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Loan amount
CZK 0.5-100 millionCZK 0.5-60m for projects located in Karlovy Vary or Ústí Regions; CZK 0.5-100m for projects in the Moravian-Silesian Region)
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Loan amount
Up to 90%Up to 90% of eligible expenses of the projects
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Maturity
Up to 10 years -
Grace period
4 years -
Interest rate and fees
0% and CZK 0
The programme addresses SMEs operating in
• Manufacturing and construction
• Retail and wholesale trade
• Transportation and storage
• Cultural, entertainment and recreational activities
What can be financed with this loan?
• Acquisition of machinery and equipment
• Technical upgrade of buildings
• Acquisition of technological procedures, programs, licenses and software
Other programs offered
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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.
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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
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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)
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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…
- 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%
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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
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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
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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
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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
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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
