Potovn spoitelna newly introduced Mal podnikatelská vr to less than a hundred pots. Let’s look at the Czech banking market, which, according to small businesses in the field of finance. Banks have prepared a firmly fast and simplified enough and approval of small incl. The paper bag cannot be completely avoided.
Both natural persons, entrepreneurs and first-time persons (eg limited liability companies) can provide unsuitable advances for small entrepreneurs. Most banks require one and two years of business experience and sometimes a minimum and / or maximum turnover.
Komern banka and Potovn spoitelna are quite strict and require the entrepreneur to have their business for a period of six months before they can fully maintain their business. On the other hand, Raiffeisenbank (eBanka) does not require a business loan to be established here even during the first year. Other banks are on the way: you do not have to have a bank before you can take it, but you only pay your pension to an account of your own offer.
| Bank | Nzev vru | Who me Which o vr | Water and on bank day |
| esk spoitelna | Profit | history bnho tu 12 msc, turnover up to 30 mil. K ron | not a condition for erpn yes |
| GE Money | Express business nezajitn | ron history | not a condition for erpn yes |
| Comern Bank | professional vr | yes, 6 msc | |
| Potovn spoitelna | Times business incl | turnover up to 10 mil. K ron | yes, 6 msc |
| Raiffeisenbank (eBanka) | Business fast pjka | plant of 300 thousand K do 60 mil. K ron | not a condition |
| Unicredit bank (ivnostensk bank, HVB) | Rychl investin vr | turnover up to 50 mil. K ron, ron history | not a condition for erpn yes |
Most banks will provide non-finals at 9 and 11% year rates. When choosing a fee, it is important not only the rate, but also the fees and the possibility to pay early.
| Bank | And provided vru | Maturity vru |
| esk spoitelna | a 1 mil. K | a 6 let |
| GE Money | 40 tis. a 1 mil. K | 2 a 7 let |
| Comern Bank | and 1 mil. K for 1 year and 500 ths. K for 3 years | |
| Potovn spoitelna | 50 tis. a 500 tis. K | 1 a 5 let |
| Raiffeisenbank (eBanka) | 30 tis. a 3 mil. K | 1 a 15 let |
| Unicredit bank (ivnostensk Bank, HVB) | 100 tis. a 3 mil. K, neelov a 500 tis. K | a 5 let |
The vast majority of banks charge a fee for the provision of a fee. Only GE Money does not charge a comparable fee. However, expensive money comes in GE Money, which is paid for in advance, pay for it 5% of the balance of the fee. Other banks are not punished with an additional fee, or for it the same 1% of the remaining unpaid deposits. During the payment, you can pay a small fee of 200 and 300 K for the first year.
| Bank | years rate ron | Fees for provided | spicy paid |
| esk spoitelna | 11 % | 2500 K | you can free of charge |
| GE Money | 8,3 a 11,9 % | free of charge | 5% from the ship vru, mine. 1000 K |
| Comern Bank | prmrn 9 % | 0,6 %, mine. 1000 K | you can free of charge |
| Potovn spoitelna | 10,1 % fixation for 1 year | 500 a 3000 K | 1% from the ship vru |
| Raiffeisenbank (eBanka) | 6,7 a 12,5 % | 0,5 %, mine. 5000 K | 1% from the ship vru, mine. 5000 K |
| Unicredit bank (ivnostensk Bank, HVB) | does not share | 0,5 %, mine. 5000 K, max. 25 000 K | companion charge became hum |
By default, banks require this type of bank to be blank. In the event of non-compliance, the bank will be able to supplement this non-compliance agreement with its contents so that the amount corresponds to the amount of the outstanding debt. Potovn spoitelna then advertises Mal podnikatelský vr up to 100 thousand K completely without guarantees.
| Bank | How long can you take a pension? |
| esk spoitelna | confessed within 24 hours, transfer immediately after t |
| GE Money | pedbn approved immediately, pensions until the next day from the signing of the contract |
| Comern Bank | usually 3 days |
| Potovn spoitelna | up to 2 days from the signing of the contract |
| Raiffeisenbank (eBanka) | enough to judge, board within 24 hours from the signing of the contract |
| Unicredit bank (ivnostensk Bank, HVB) | prmrn 1 tden |
You can get a pension for your business relatively quickly. Banks usually promise pensions within two and three working days.
Banks approach the required documents very differently. In addition, Potovn spoitelna wants to look into your ethnicity and requires a tax return for two counting periods. On the other hand, Komern banka now does not need tax and financial statements at all, and therefore does not manage your income.
When we omit Potovn spoitelny from the SOB group, SOB itself does not lead an uninteresting classic vr for small entrepreneurs in its offer. It recommends that less entrepreneurs be allowed to pay over or credit cards. The disadvantage of this type of financing is usually years (eg peer here at SOB for 15.75% ron), which, however, balances the flexibility of these products. It is possible to draw and pay within the set limit at any time and without penalty fees and can be kept at hand as an immediate reserve.
In addition to the ones listed here, you will of course find many other offers on the market, especially eel. Entrepreneurs can use temporary money, credit cards with credit limits, or combine the products as needed. Banks have been fighting for small and medium-sized businesses lately, and their offer for them is constantly growing.
