Loans
We will offer you a funding structure tailored to the individual needs of your company.
Operating capital loans
UniCredit Bank offers a practical solution for funding your company’s operations – a single credit line with which you can easily and repeatedly draw a bank overdraft, letter of credit, guarantee or credit tranche, or enter into transactions to secure your currency and interest rate risks.
Investment loans
Are you going to renovate or expand your company’s facilities? Do you need to free up funds invested in the last 12 months? We will help you in the decision-making on new investments and select a mix of loan and leasing tools for you to best suit your requirements.
Call us at our Infoline +420 221 210 031 and agree on an appointment with your advisor.
Financing of real property
UniCredit Bank provides a comprehensive range of products for the financing of real property projects mainly in the segment of offices, retail, industrial real property and residential houses. The bank finances the construction of new projects, as well as the renovation or acquisition of already existing real property. Thanks to its unique structure, the bank is able to provide banking services to clients both in the Czech Republic and in Slovakia.
Press release (7.9.2015) - UniCredit Bank is the best bank for financing of real property in the Czech Republic
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Structured financing and Syndications
UniCredit is among the long term leading players in the area of structured financing in the Czech Republic and in Europe. The amount of a loan is not a limiting factor; we are able to extend billions in loans within the UniCredit Group, or in cooperation with other banks.
As your strategic partner in the field of structuring and arranging syndicated loans, we will help you achieve an optimum financial structure. Within UniCredit’s global operation, the financing of your expansion on foreign markets will be easier. We are even the bank with the highest level of expertise in the financing of renewable energy sources in the Czech market.
We have great experience in coordinating syndicated loans, and have the financing provided by several banks under our umbrella. We offer a large range of tailor-made products to satisfy the needs of your company – ranging from club loans to international, highly structured acquisition financing. We will ensure a subscription for financing – the loan will be extended by UniCredit, and then placed on the market. This solution is appropriate mainly for acquisition financing with respect to the speed and confidentiality before completing the transaction.
More information for Large enterprises and corporates
Structured financing and Syndications Small and medium-sized enterprises
Financing of agriculture
UniCredit Group understands the specific business conditions of agriculture in all 22 European countries where it operates. Based on a long local tradition dating back to Živnostenská banka and the shared experience from UniCredit’s Europe-wide network, we have prepared for you a special approach for financing agricultural business activities.
We understand the irregular income, the long-term and uncertain return on investments in livestock production, and income’s dependence on natural conditions.
With our good knowledge of agricultural business and our personal approach, we will help you find the most appropriate solution to meet your needs.
Energy sector and renewable sources
UniCredit Group understands the specific business conditions of renewable energy sources in all 22 European countries where it operates. Owing to our experience sharing across the pan-European UniCredit network, we have prepared a special approach for financing your entrepreneurial activities.
We are a bank with the highest involvement in the area of renewable energy sources in the Czech market.
The European Investment Fund (EIF) provides support of the InvestEU Fund for micro, small and medium-sized enterprises as well as small Mid-Cap enterprises up to 499 employees, who pass the eligibility criteria for the Final Recipient, the Final Recipient Transaction and the Product of innovation, digitalization, culture, creative sector or sustainability. With the support of the EIF guarantee, the Final Recipient receives the benefit of a collateral in the form loan guarantee (with guarantee rate of 50% of the outstanding amount ), as well as a lower applicable loan interest rate.
The Inclusion period End Date for InvestEU guarantee is 12th of April, 2025.
Final Recipient shall be:
- micro, small and medium enterprises up to 250 employees with a turnover of max. EUR 50 million or assets max. EUR 43 million (includes the entire economic client group)
- small Mid-Cap enterprises up to 499 employees (includes the entire economic client group)
- incorporated and operating in the Czech Republic / Slovak Republic
Final Recipient Transaction parameters:
- applicable for working capital or investment
- a possibility for refinancing of the existing liabilities (max. up to 10% of the initial principal amount of the Final Recipient Transaction)
- he Final Recipient or Final Recipient Transaction must meet at least one of the Product eligibility criteria (Product: innovation / digitalization / culture and creative sector/ sustainability)
- Guarantee rate: 50% of the outstanding amount for working capital or investment loan
- the maximum Final Recipient Transaction principal amount is EUR 7,5 million
- Final Recipient Transaction Maturity is from 12 to 120 months for investment loans, or 12 months for a working capital loan with the possibility to exceed up to 48 months, starting from the loan agreement signature date
