Raiffeisen Bank 

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Infoline: 800 900 900

Business Current Account

Serves as a reserve for unexpected business expenditures. Solves problems from temporary shortages of funds allowing you to maintain a reputation for meeting your obligations on time. You only pay interest on the amount which you actually draw.

The Business Current Account is intended for entrepreneurs and limited companies which:

  • have been operating continually for at least 12 months
  • do not have any overdue liabilities to the state or to financial institutions
  • have annual sales from 300,000 to 30 million crowns

Advantages

  • approval while you wait
  • you don’t pay interest on the amount which is not drawn
  • you do not need to make payments on the loan for a year
  • in the majority of cases we provide loans which are not secured by real estate, for an amount up to 3 million 
  • you do not pay for the real estate assessment (in the event that you choose to secure the loan with real estate)
  • to acquire a Business Current Account you only need to
    • fill out and sign the Application
    • submit only one tax return for the past accounting period
    • for a loan over 300,000 you must submit a declaration that you do not own state bodies and taxes or social security

You do not request a product, you request money – you select the type of loan, either a Business Current Account or a Quick Business Loan, after you learn of the maximum amount of the loan we can offer you.

Loyal customer benefits

  • if you select Raiffeisenbank as your main bank for conducting payment relations you can quickly and easily take advantage of our pre-approved installment loan, regularly updated based upon the use of the current account by the client.

Quick Business Loan

  • Amount
    • from 30,000 CZK up to 3 million CZK
  • Drawing
    • continually as needed from your current account at Raiffeisenbank
  • Payment
    • the current account is always provided for one year, and the bank automatically offers an extension
    • every payment made to your account reduces the overdraft amount on which you pay interest
    • you don’t pay interest on overdraft funds which have not been drawn
  • Security
    • typically secured by only a blank note instead of tangible assets
    • in the event that you select a loan variation which is secured by real estate, you do not need to submit any assessment, we will assess the real estate ourselves free of charge, and you also do not need to wait for the registration into the land registry – you receive the money directly after submitting the motion for registration.

How to request a Business Current Account

  • at the closest Raiffeisenbank branch

Additional information

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