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Loans and Financing

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Complete overview of products and services included in the section Loans and Financing

This list contains an overview of the products and services included in the Loans and Financing section of Komerční banka. The product and service overview is arranged in alphabetical order.

  • Agreement on Administration of a Purchase Price

    The essence of the Agreement is deposit of a purchase price by the buyer at the level resulting from the purchase contract, obligation on the part of the bank to accept the purchase price into its administration and to pay out the purchase price (administered amount) to the seller subject to the agreed conditions, or to return this to the buyer.

  • Authorised Overdraft in a Commercial Current Account

    Authorised overdraft is a short-term overdraft in CZK for financing fluctuations in the client's current funds. It is provided in the business current account. The client can thus draw on funds in their account up to the contractually agreed limit of the debit balance.

  • Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency

    The Bank overdraft is especially intended for financing of operational requirements resulting from the client's commercial activities. The loan is administered in the client's current account.

  • Consultancy for Commercial Financing

    Corporate finance consultancy provided to KB clients helps them to implement plans, mainly of a strategic nature. The Corporate finance team provides consultancy services for acquisitions, mergers and sales of companies on the Czech, Slovak and, thanks to incorporation of KB into the SG Group, also on the European and global market.

  • Development Financing

    Development financing allows for financing of a development project, i.e. business plan, the aim of which is to build or purchase real estate for the purpose of its rental or sale.

  • Discount Loan

    The Discount loan is a short-term loan, which speeds up access to funds from commercial receivables. Komerční banka discounts domestic bills of exchange in CZK and foreign ones issued in CZK and foreign currencies.

  • Electronic Pledging of Receivables

    As specified in the contract, the client sends lists of receivables signed with an electronic signature via the MojeBanka or Profibanka application at regular intervals. The whole process is very simple and places few demands on administration.

  • Export Documentary Letter of Credit Advance Loan

    A loan for pre-financing production or purchase of goods for export, which is covered by a signed export contract and open letter of credit. Provision of the loan is subject to acceptance of risk by the opening bank.

  • Factoring

    Factoring allows you to gain 80% of the value of an invoice immediately after it has been issued and the goods delivered. This includes financing, a guarantee against insolvency (declared or not) on the part of customers as well as collection, administration and recovery (in the form of reminders) short-term receivables with deferred maturity up to 90 days (in exceptional cases up to 120 days).

  • Forfaiting

    Forfaiting is assignment to KB for consideration of a client's receivables due in the future, which were created in terms of commercial transactions implemented. This concerns purchase of receivables without recourse to the original owner.

  • Issue of Bonds

    Primary issue of bonds represents a standard form of medium-term to long-term financing of bank, municipal or government activities via the capital market.

  • KB FleetLease

    KB FleetLease is used by corporate clients for financing and operation of their vehicle fleet. The main product is full-service leasing, but the offer also includes operational leasing without services, reverse leasing and fleet management.

  • KB FlexiRámec

    KB FlexiRámec is a framework contract, which allows you to request drawing on various types of business loans and Trade Finance products.

  • KB Leasing

    KB Leasing is intended for financing of investments over CZK 1 million. It is provided as financial or operational leasing.

  • Loan for Investment in CZK and in a Foreign Currency

    A loan for acquisition of tangible or intangible fixed assets (buildings including projects, machinery and equipment or sets of these etc.) up to the level of the contractual price.

  • Loan for Purchase of Shares or Business Shares in a Trading Company in CZK or in a Foreign Currency

    The loan is provided for financing of purchase of a business share in a commercial company and for purchase of shares into a strategic portfolio including privatisation.

  • Mortgage Loan in CZK or in a Foreign Currency

    A medium-term or long-term loan intended for investment, especially into real estate, which must be secured by mortgaging of real estate.

  • Operational Loans for Business

    Short-term, medium-term and long-term loans for operational requirements, investment requirements, for current funds or for a temporary lack of funds. The method of financing is a one-off loan, revolving loan or bank overdraft in a current account.

  • Ponte II Programme

    Loans in the Ponte II Programme for financing projects with grants from the European funds. A loan for pre-financing a grant resolves the time discrepancy between payment of project costs and receipt of the grant. The loan for co-financing a project can be used to pay for costs, which are not covered by the grant.

  • Structured Financing

    Structured financing is the joint name for a range of financing products and procedures offered to a specific group of corporate clients.

  • Syndication Loan

    The Syndicated loan is a special category of loan. Komerční banka, in the role of the arranger, forms a group of creditors which will finance the debtor. As the potential debtor, you ask various arrangers to present offers, from which you select a specific solution according to your individual requirements.

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