Support of Enterpreneurs

Overview of all products for enterpreneurs

Guarantees

SMART Guarantee in the Guarantee 2015-2023 programme (portfolio guarantee for SMEs)

Funding

  • Revolved public funds
  • Counter-guaranteed by the European Investment Fund from EFSI under COSME LGF

Main characteristics:

  • Portfolio guarantee to support digital transformation of SMEs
  • Guaranteed amount up to 80% of the loan principal
  • Guaranteed loan amount up to CZK 4 million
  • Guarantee maturity up to 6 years
  • Free of charge

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ NACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Working capital loan
  • Investment loan

State aid: de minimis

For more information please see here.

M-Guarantee in the Guarantee 2015-2023 programme (portfolio guarantee for SMEs)

Funding

  • Revolved public funds
  • Since August 2015 counter-guaranteed from the European Investment Fund – COSME LGF (EFSI)

Main characteristics:

  • Guaranteed amount up to 70% of the loan principal
  • Guaranteed loan amount up to CZK 4 million
  • Guarantee maturity up to 6 years
  • Free of charge

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ NACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Working capital loan
  • Investment loan

State aid: de minimis

For more information please see here.

Expansion Guarantees (portfolio guarantee for SMEs)

Funding

  • ESIF 2014-2020 (ERDF)
  • OP Enterprise and Innovations for Competitiveness

Main characteristics:

Two types of the product:

A. Standard guarantee

  • Guaranteed amount up to 70% of the loan principal
  • Guaranteed loan amount CZK 4-40 million
  • Guarantee maturity up to 7 years, in case of acquiring real estate up to 10 years
  • Free of charge

B. Special supported activities

  • Guaranteed amount up to 80% of the loan principal
  • Guaranteed loan amount CZK 1-60 million
  • Guarantee maturity up to 10 years

Project location & Supported sectors:

  • Territory of the Czech Republic (except the Capital City of Prague)
  • Sectors available in CZNACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Working capital
  • Investment loan

Special supported activities:

  • Project implementation in one of economically affected regions
  • Development of high-speed internet
  • Efficient use of water in industry
  • Calamity timber logging and processing
  • Business centres development
  • Material and energy recovery of waste

State aid: de minimis

For more information please see here.

S-Guarantee in the Guarantee 2015-2023 programme (individual guarantee with financial contribution for SMEs - social enterprises)

Funding

  • Revolved public funds

Main characteristics:

  • Guaranteed amount up to 80% of the loan principal
  • Guarantee up to CZK 20 million
  • Guarantee maturity up to 8 years
  • Free of charge
  • Possibility to gain financial contribution – 10% of guaranteed loan, up to CZK 0.5 million

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ NACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Investment loan

Social enterprise is the one which fulfils all the following criteria:

  • Employ persons disadvantaged on a labour market (at least 30% of all employees)
  • Reinvest more than 50% of the profit back to the development
    of business
  • Apply a democratic style of corporate governance
  • Develop corporate social responsibility

State aid: de minimis or GBER – regional / SME block exemption

For more information please see here.

GEN Guarantee in the Guarantee 2015-2023 programme (individual guarantee for family business transfer - SME business transfer)

Funding

  • Revolved public funds

Main characteristics:

  • Guaranteed amount up to 80% of the loan principal
  • Guarantee up to CZK 30 million
  • Guarantee maturity up to 8 years
  • Free of charge

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ NACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Investment loan

Guaranteed loan can be used on:

  • Purchase of business share in a family business
  • Acquisition of shares of a family business
  • Purchase of a business establishment (i.e. production site) of a family business

State aid: de minimis

For more information please see here.

International Development Cooperation Guarantee (individual guarantee)

For any enterprise authorized to run a business or invest in less developed countries

Funding

  • National funding

Main characteristics:

  • Guaranteed amount up to 50% of the loan principal
  • Guaranteed loan amount up to CZK 25 million
  • Guarantee maturity up to 8 years
  • Guarantee fee 0.5% p.a.

Project location & Supported sectors:

  • OECD-DAC List of official development assistance (ODA) recipients, except for countries under international sanctions

Basic terms and conditions:

Type of guaranteed loan:

  • Investment and working capital loan with investment part being the same or higher than working capital part
  • Project must have clearly defined development impacts on the host country (new jobs, transfer of technologies or know-how etc.)
  • Eligibility criteria approved by the Selection Committee consisted of representatives of the Ministry of Foreign Affairs, CMZRB, the Export Guarantee and Insurance Corporation (EGAP) and the Czech Development Agency (CZDA)

State aid: de minimis

For more information please see here.

Inostart (portfolio guarantee for SMEs operating no longer than 3 years)

Funding

  • Revolved public funds

Main characteristics:

  • Guaranteed amount up to 70% of the loan principal
  • Guaranteed loan amount CZK 0.5-15 million
  • Guarantee maturity up to 5 years
  • Grace period up to 3 years
  • Guarantee fee: 0.1 % p.a

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ-NACE list (Annex of the programme)

Basic terms and conditions:

Type of guaranteed loan:

  • Working capital
  • Investment loan

The loan has to be provided by Česká spořitelna, a.s.

Only innovative projects can be supported.

State aid: de minimis

For more information please see here.

Vadium 2018-2023 (tender guarantee for SMEs)

Funding

  • Revolved public funds

Main characteristics:

  • Guarantee amount CZK 50,000 up to 5 million
  • Guarantee fee 1% (max. CZK 30,000) + CZK 3,000

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Supply of products, goods and reconstruction work

Basic terms and conditions:

The beneficiary of the guarantee has to be an entity being a resident of the Czech Republic

State aid: de minimis

For more information please see here.

Covid III Guarantee (full portfolio Covid-recovery guarantee)

For SMEs & enterprises with 250-500 employees

Funding

  • National funding with the state guarantee
  • Special law on the provision of the state guarantee for CMZRB (Act n. 228/2020 Coll.)

Main characteristics:

  • Guaranteed loan volume: up to CZK 50 million
  • Target group: Self-employed people and enterprises up to 500 employees
  • Guarantee rate: up to 80% of the loan principal for enterprises with 250-500 employees
  • Guarantee rate up to 90% of the loan principal for SMEs up to 249 employees
  • Guarantee cap: 30%
  • Guarantee capacity for participating commercial banks: based on their market share calculated by the Czech National Bank
  • Guarantee fee based on Temporary Framework for State Aid to be paid by the lending bank; no guarantee fee for the client
  • Guarantee period: up to 3 years

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ-NACE list (Annex of the programme)
  • Use of loan: operating expenses (salaries, rent, energy), payment of invoices, stock purchase

Basic terms and conditions:

Type of guaranteed loan:

  • Working capital

State aid: State Aid Temporary Framework

For more information please see here.

COVID SPORT Guarantee (portfolio Covid-recovery guarantee)

For SMEs operating in the sports sector

Funding

  • ESIF 2014-2020 (ERDF)

OP Enterprise and Innovations for Competitiveness

Main characteristics

  • Working-capital loan guarantee
  • Guaranteed loan: up to CZK 15 million
  • Target group: SMEs operating in the sports sector
  • Guarantee rate: up to 80% of the loan principal
  • Guarantee period: up to 3 years
  • Free of charge
  • Interest rate subsidy up to CZK 1 million

Project location & Supported sectors:

  • Territory of the Czech Republic (except the Capital City of Prague)
  • Use of loan: operating expenses (salaries, rent, energy), payment of invoices, stock purchase
  • Selected CZ-NACE sectors related to sport (operation of cable cars and ski lifts, operation of sports facilities, activities of sports clubs, fitness and other sports and recreational activities)

State aid: de minimis

For more information please see here

COVID TRAVEL Guarantee (individual Covid-recovery guarantee)

For travel agencies

Funding

  • National funding

Main characteristics

  • Guarantee to obtain compulsory insolvency protection insurance
  • Target group: travel agencies
  • Guarantee rate: up to 75% of the travel agencies´ co-participation on the compulsory insurance, up to 30% of the insurance indemnity limit and up to CZK 4 million (EUR 152.000)
  • Guarantee period: up to 1 year
  • Free of charge

Project location & Supported sector:

  • Territory of the Czech Republic
  • The only sector eligible in CZ-NACE list: (79) Travel agency, tour operator and other reservation service and related activities
  • Guarantee is issued for travel agencies as final beneficiaries and can be used to cover their own participation in the maximum limit of indemnity, which is required by the insurance company (all travel agencies are legally bound to be insured against bankruptcy)

State aid: De minimis & State Aid Temporary Framework

For more information please see here

Loans

Southern Bohemian (preferential regional loan)

For small entrepreneurs in the South Bohemian Region.

Funding

  • Budget of the region

Main characteristics:

Investment / working capital loan

  • Loan amount up to CZK 1 million
  • Up to CZK 0.5 million for start-ups
  • Maturity: up to 6 years
  • Interest rate: fixed at 3 % p.a.
  • Grace period: up to 12 months

Project location & Supported sectors:

  • SouthBohemian Region
  • Sectors available in CZ-NACE list (Annex of the programme)

Basic terms and conditions:

Compliance with the definition f small entrepreneur (within the SME definition)

State aids: de minimis

For more information please see here.

Expansion (preferential loan for SMEs)

Funding

  • ESIF 2014-2020 (ERDF)
  • OP Enterprise and Innovations for Competitiveness

Main characteristics:

Interest-free, investment loan

  • Loan amount CZK 1-45 million or CZK 0.65-60 million for special supported activities
  • Up to 45 % of eligible expenses
  • Maturity: up to 10 years
  • Grace period: up to 3,5 years, in case of the special supported activities up to 4 years
  • At least 20 % of eligible expenses have to be financed through commercial loan from cooperating commercial bank / leasing company

Financial contribution – interest rate subsidy in three levels:

  • Up to 15% / CZK 4 million in case of the special supported activities
  • Up to 10% / CZK 2 million for other activities in economically affected regions
  • Up to 8% / CZK 1 million for other regions / activities

Project location & Supported sectors:

  • Territory of the Czech Republic (except the Capital City
    of Prague)
  • Sectors available in CZ-NACE list (Annex of the programme)

Basic terms and conditions:

Special supported activities:

  • NGA (Next Generation Access networks)
  • Efficient use of water in industry
  • Calamity timber processing
  • Business centres development
  • Material and energy recovery of waste

State aids: de minimis or GBER (Investment aid to SMEs)

For more information please see here.

Energ (preferential loan for SMEs and large enterprises)

Funding

  • National funding

Main characteristics:

Interest free investment loan:

  • Loan amount CZK 1-20 million
  • Up to 70% of eligible expenses
  • Maturity: up to 10 years
  • Grace period: up to 2 years
  • Financial contribution to cover the cost of the energy assessment report
  • Financial contribution when achieving expected project results

Project location & Supported sectors:

  • Capital City of Prague Sectors available in CZ- NACE
  • list (Annex of the programme)

Basic terms and conditions:

Financial contribution to cover the cost of the energy assessment
report:

  • Up to 80% of the assessment report cost, maximum CZK 0.1 million

Financial contribution when achieving savings in final energy
consumption:

  • Up to 7% of the loan amount

State aids: de minimis or GBER

For more information please see here.

Energy Savings (preferential loan)

Preferential loan for SMEs and large enterprises (incl. entrepreneurs in agriculture.

Funding

  • ESIF 2014-2020 (ERDF)
  • OP Enterprise and Innovations for Competitiveness

Main characteristics:

Interest-free loan:

  • Loan amount CZK 0.5 – 60 million
  • Up to 70% of eligible expenses or up to 90% for small projects up to CZK 3 million
  • Maturity: up to 10 years
  • Grace period: up to 4 years
  • At least 20% of eligible expenses have to be financed by commercial bank / leasing company
  • Financial contribution to cover the cost of the energy assessment report
  • Interest rate subsidy when achieving expected project
    results

Project location & Supported sectors:

  • Territory of the Czech Republic (except the Capital City
    of Prague)
  • Sectors available in CZ-NACE list (Annex of the programme)

Basic terms and conditions:

Financial contribution to cover the cost of the energy assessment
report:

  • Up to 80% of the assessment report cost,
  • Maximum CZK 250,000

Interest rate subsidy up to 15% of banking loan amount used for project co-financing:

  • Maximum 4 million

State aids: de minimis

For more information please see here.

S-Enterprise (preferential loans for social enterprises - SMEs and large companies)

Funding:

  • ESIF 2014-2020 (ESF)
  • OP Employment

Main characteristics:

Two types of the product:

A. Interest-free investment loan for social enterprises

  • Loan amount CZK 0.4 – 25 million
  • Up to 90% of eligible expenses of the project
  • Maturity: up to 10 years or up to 12 years if real estate assets are acquired
  • Grace period: up to 3 years

B. Interest-free working capital loan

  • Loan amount CZK 0.4 – 25 million (up to CZK 1 million for social enterprises with short history)
  • Maturity: up to 2 years
  • Grace period: up to 1 year

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ- NACE list (Annex of the programme) –
    including agriculture, forestry, fishery

Basic terms and conditions:

  • Compliance with the definition of a social enterprise
  • Loan is designed for both existing and newly created social
    enterprises (including existing enterprises starting social
    activities)
  • Interest-free loan is provided together with optional free
    advisory services for social enterprises (management of the
    social enterprise, organization and production, marketing and PR activities, financial management)

State aids: de minimis or GBER – regional / initial support

For more information please see here.

Overview of all products in pdf format Download here

 

 

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