EU-supported loans - Entrepreneurs and Businesses - ČSOB

EU-supported loans

  • comprehensive financing of operations and investments

  • reduced interest rate

  • guaranteed by the EU

Loans in cooperation with the European Investment Fund

These loans impose no extra administrative burdens compared to standard financing but offer a lower interest rate and a higher credit limit. Take inspiration from the stories of our successful clients DAVER and CRYONIQ, who took advantage of this opportunity and used loans from ČSOB to grow their business.

The European competitiveness programme COSME aims to provide easier access to finance for European small and medium-sized enterprises (SMEs).


Investment loan

From € 4,000 to € 500,000


Purpose
renovation and purchase of buildings for business, purchase of machinery


Repayment period
18 months - 15 years


Security
guarantor’s declaration, real estate for higher limits

Working loan

From € 4,000 to € 300,000


Purpose
Operational needs, such as purchase of material or stock


Repayment period
12 months - 10 years


Security
guarantor’s declaration, real estate for higher limits

Overdraft loan

From € 4,000 to € 300,000


Purpose
bridging short-term lack of funds, payment of invoices, payroll costs


Repayment period
4 years


Security
guarantor’s declaration, real estate for higher limits


Benefits

  • comprehensive financing of operations and investments with the possibility to also use an EU overdraft loan,
  • more accessible financing thanks to an EU guarantee,
  • reduced interest rate,
  • long repayment period for the investment loan with the possibility to distribute instalments over 15 years,
  • lower collateral requirements.

Conditions for granting

podmienky pre úvery

Registered office in the Slovak Republic

podmienky pre úvery

Business activity in the Slovak Republic for at least 1 year

podmienky pre úvery

An annual turnover of at least € 10,000

podmienky pre úvery

Satisfaction of other conditions laid down by the Bank

Documents

  • proof of business authorisation or establishment as a legal person,
  • tax returns of the applicant for the last two accounting periods,

This financing is made possible by a guarantee provided through COSME and the European Fund for Strategic Investments (EFSI), established under the Investment Plan for Europe. The aim of the EFSI is to support the financing and implementation of productive investments in the European Union and provide easier access to funding.

Learn more about EU support for access to finance