For whom is a capital loan suitable?
A capital loan is aimed at companies having proven the operability of their business model, who are planning development investments.
A capital loan is helpful if the company wishes to finance its fast growth with loan capital, but the level of self-financing is too small or the collateral insufficient for obtaining a bank loan. Similarly to the owner, KredEx will give into the use of the company capital, which due to its subordination increases the level of self-financing in the eyes of other financiers. This in turn enables the inclusion of additional funding, e.g. a bank loan.
What are the main requirements to an applicant?
The capital loan is financed from the European Regional Fund.
How to apply for capital loan?
In order to apply for capital loan, it is necessary to fill in an application (ID card or Mobile ID is required for logging into the environment of e-services), and enclose the following:
If, in addition to the subordinated loan, a bank loan is also to be applied for, it is recommended to contact both the bank as well as KredEx at the same time in order to enable them to mutually coordinate the loan conditions.
Please note! The services provided by KredEx may involve state aid, incl. de mimis aid. The entrepreneur is obliged to disclose any aid which it has received or applied for to finance the project.
Please examine the terms and conditions of the capital loan and, if necessary, consult our client executive.