Guarantee for commercial loans for SMEs

S-záruka UB


The S-guarantee for a loan with financial contribution in the Guarantee 2015 to 2023 programme facilitates social entrepreneurs’ access to funds from commercial banks. Through this programme, we provide guarantees for investment loans that finance, for example, the acquisition of new technology, software, real estate, etc.

Guaranteed amount up to 80%

What guarantee do we offer?

  • Guaranteed amount

    up to 80%

    Guaranteed amount up to 80% of the loan principal

  • Guarantee

    up to CZK 20 million
  • Guarantee maturity

    up to 8 years
  • Type of guaranteed loan

    investment loan
  • Financial contribution

    up to CZK 0.5 million

    Possibility to gain financial contribution – 10% of guaranteed loan, up to CZK 0.5 million

  • Price and fees

    CZK 0
What guarantee do we offer?

Project location & Supported sectors:

  • Territory of the Czech Republic
  • Sectors available in CZ NACE list (Annex of the programme)

Social enterprise is the one which fulfils all the following criteria:

  • Employ persons disadvantaged on a labour market (at least 30% of all employees)
  • Reinvest more than 50% of the profit back to the development of business
  • Apply a democratic style of corporate governance
  • Develop corporate social responsibility

What can the guarantee be used for?

  • purchase of machinery, equipment and technology
  • acquisition of licences and software
  • purchase and technical improvement of tangible fixed assets
  • acquisition of intangible fixed assets

Other information

Individual guarantee with financial contribution for SMEs - social enterprises. State aid is de minimis or GBER – regional / SME block exemption

Other information

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