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Profi Loan FIX

A business loan with quick approval process.

The Profi loan FIX is intended for:

  • corporate entities
  • natural persons – entrepreneurs
  • clients authorised to do business in the Czech Republic
  • with a tax liability in the Czech Republic

Characteristics of the Profi loan FIX:

  • a short-term loan
    • maturity of up to one year
  • a medium-term loan
    • maturity of up to five years
  • The Profi loan FIX can be used for financing of:
    • current funds
      • stock and short-term debts from commercial transactions up to their maturity date
    • tangible investment assets
      • other than purchase of computing technology and software; an exception to this is purchase of comprehensive workplace equipment, which includes computing technology
    • operational requirements
      • financing costs for repair and maintenance
  • The Profi loan FIX can be drawn on:
    • directly to suppliers' accounts on the basis of submitted documents
    • by means of transfer to the client's account, KB checks the specific purpose the loan is used for later according to information from the client's accounting records
    • investment requirements are always financed on the basis of submitted documents
  • The Profi loan FIX is drawn on:
    • in a one-off manner
    • gradually
  • Fixed interest rate
Maturity Interest Rate
≤ 1 year 10.9% p.a.
> 1 year ≤ 3 years 11.5% p.a.
> 3 years ≤ 5 years 12.2% p.a.
  • The Profi loan FIX is repaid:
    • gradually in terms of monthly annuity instalments
    • there is always at least one interest payment between the deadline for drawing on the loan in full and the 1st annuity instalment
    • the following instalment is already an annuity instalment
  • The Profi loan FIX is secured using co-acceptance of a blank bill of exchange
  • The price for the Profi loan FIX is governed by the Komerční banka Price list 
  • The Profi loan FIX is provided exclusively in CZK 

Advantages of the Profi loan FIX:

  • a loan specially prepared for entrepreneurs and SMEs
  • significantly shortened and simplified approval process
  • possibility of operationally financing commercial requirements
  • annuity repayment
  • optional creditor protection insurance for natural persons – entrepreneurs
    • coverage for the risk of death, full disability and inability to work
    • the client only signs a Declaration on their state of health
    • limits are only set for the starting age
      • a minimum of 18 years of age
      • a maximum of 60 years of age
      • the sum of the starting age and the insurance period may not be greater than 62 years
      • the insurance is valid for the whole duration of the loan contract

The Profi loan FIX allows you to:

  • finance current funds
  • purchase tangible investment assets
  • finance operational requirements
Requirements for the Profi loan FIX
  • loan application
  • current documents showing authorisation to do business
  • final accounts including tax return and auditor's report
    • for the past accounting period
    • current balance sheet and profit and loss statement including additional information
  • a copy of your income tax return including appendices pursuant to Act 337/1992 Coll. for the past accounting period together with additional information
    • the copy of the tax return must including the stamp of the tax office proving receipt of the original
  • documents required for securing the loan according to the character of the means of security
  • 3 monthly statements from the current account
    • which the client held with their previous main bank
    • these statements must not be for a period older than 6 months
    • provided by new clients

How to get a Profi loan FIX without proof of income?

  • for existing clients of KB
  • a current account held in KB for at least 6 months
  • depending on turnover in the business current account in Komerční banka, it is possible to gain:
    • a short-term Profi loan FIX
      • maturity of up to 1 year
      • up to the level of CZK 2,000,000 (over CZK 1,000,000 if the client has held an account in KB for at least 12 months)
    • a medium-term Profi loan FIX
      • maturity of up to 3 years
      • up to the level of CZK 1,000,000 (if the client has held an account in KB for at least 12 months)
  • security using co-acceptance of a blank bill of exchange
  • all you need to get the loan is current documents proving your authorisation to do business

How to get a Profi loan FIX?

  • contact your relationship manager
  • call the free KB Info line on 800 521 521

Use the Business Service KB, within which we are happy to advise you and help you set other products and services tailored to your business.

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