1. Business Finance
  2. Funding
  3. Instalment loan – Neúčelový úvěr

You don’t have to provide the purpose.

We will lend you up to 11.8 million CZK for anything.

Suitable for all expenses

The loan is suitable for covering both operating and investment expenses.

Meets your needs

You can set the repayment period and installment amounts yourself.


Non-purpose loan for entrepreneurs and small businesses

When unexpected expenses or interesting business opportunities arise, the Non-purpose Loan from Raiffeisenbank is always there for you. You get money for your business, which we quickly transfer to your business account.

  • Unsecured loan up to 4,000,000 CZK.
  • Secured loan up to 11,800,000 CZK (with 100% real estate collateral).
  • The loan is non-purpose, so you do not have to specify what you want to use it for.
  • Repayment is made through regular fixed installments. The repayment period can be up to 6 years (for unsecured loans) or up to 15 years (for secured loans).
  • You draw the loan in a lump sum; we will transfer the money to your business account.

Benefits for you 

  • When assessing your creditworthiness, we also consider turnovers on your business accounts at other banks.
  • You can deduct the interest on the loan used for business as expenses.
  • If you are a business owner, you do not have to sign a promissory note for a loan up to and including CZK 1,200,000.

The application process is very simple

To obtain a non-purpose business loan, you only need to meet these 4 requirements:

You are an entrepreneur or a company with annual turnover within this range.

You need a valid tax return for the previous accounting period.

You submit a balance sheet and a profit and loss statement.

You can easily apply for the loan through your online banking.

You can arrange a non-purpose loan for entrepreneurs through internet or mobile banking.