Commercial Loans

Short-term loan

• financing of operational needs of client, or re-financing of other obligations of client
• in EUR, CZK or USD
• maturity of the loan is max of 1 year  

Medium-term or long-term loan

• to finance investment needs of client (procuring real estates, technologies, techniques, machinery and equipment including transport from abroad, reconstruction and modernisation of structures, techniques and technology), or re-financing of other obligations of client
• in EUR, CZK or USD
• maturity of medium-term is from 1 year to max. of 5 years, in case of long-term loan, the maturity is from 5 years to max. of  12 years

Current account overdraft

• debit loan limit set on business account of client to cover operational needs or bridging of insufficient funds due to time disharmony between mature receivables and obligations of client
• only in EUR with maturity within max of 1 year with possible recurring granting
• possible granting of bank overdraft secured only by blank note of client and notarial deed with execution title charging assets of client after values of indicators determined by the bank are met

Revolving loan

• to finance operational needs of client (stocks, trade receivables before due date, etc.)
• in EUR, CZK or USD
• for max. of  5 revolving periods, while max. duration of one revolving period is 12 months
• possible granting of revolving loan secured only by blank note of client and notarial deed with execution title charging assets of client after values of indicators determined by the bank are met

Loan limit for purposes of operation or covering of letters of credit

• to cover operational needs of client, or to bridge time disharmony between need and creation of resources of client, or to cover letters of credit
• in EUR, CZK or USD with maturity of loan limit within max. of 12 months,
• in case of covering of letters of credit, the amount of loan limit depends on limit for letters of credit, while the amount of partial limits must not exceed total amount of the loan

Loan for financing of project

• financing of particular project of client, e.g. financing of real estates (from purchase of land to the construction itself, reconstruction and modernisation of real estates), financial investments (purchase of stocks, or business share for purpose of further development of business entity)
• in EUR, CZK or USD
• individual assessment of every project in respect of its individuality

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