NRB
Domů Interest-free floods loan

Interest-free floods loan

Through an interest-free investment loan with a grant component and a maturity of up to 15 years, we support business recovery and development in areas affected by the 2024 floods.

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Interest-free floods loan

The Flood Programme offers small and medium-sized enterprises and self-employed persons an interest-free investment loan to help with business recovery after September´s floods. The loans will facilitate financing of business projects and starting new company development. Applications are accepted from the beginning of November 2024.

The support is provided in the form of preferential investment loan, combined with the grant component – the financial contribution of up to 25% of the loan principal, applied in the form of forgiveness of principal repayments of the loan.

This financial instrument belongs to the Operational Programme Technology and Applications for Competitiveness 2021-2027 (hereinafter referred to as “OP TAC”).

 

What type of loan do we offer?

  • Loan amount

    CZK 0.5-100 MILLION

  • Loan amount

    UP TO 90%

    Up to 90% of eligible expenses of the project.

  • Maturity

    UP TO 15 YEARS

  • Grace period

    UP TO 36 MONTHS

  • Interest rates and fees

    0% and CZK 0

  • Grant component

    Financial contribution of up to 25%

    A financial contribution of up to 25% of the (actually drawn) amount of the loan principal will be applied as forgiveness of principal repayments of the preferential loan.

What type of loan do we offer?

State aid: De minimis or GBER (Article 14 or 22).

What can be financed with this loan?

  • Acquisition of technological facilities and equipment and the necessary business infrastructure
  • Purchase of production machinery and equipment that will increase the technological level of SMEs and/or their competitiveness
  • Investment in flood risk reduction measures implemented in direct connection with the project
  • VAT on eligible expenditure, even if the beneficiary is a taxable person and can claim back VAT

AREAS MOST AFFECTED BY FLOODING

The interest-free investment loan Flood in the OP TAC programme can be used on the entire territory of Czechia except for the Capital City of Prague.

Other programs offered

  • New Energy Savings

    Preferential loan programme for companies of all sizes realizing energy savings projects. Projects can be located anywhere in the Czech Republic except the Capital City of Prague. If the planned energy savings are achieved the beneficiary will also receive a financial contribution in the form of a grant.

    • the loan amount CZK 0.5 – 60 million
    • for investments, up to 90% of all eligible expenses of the project
    • fixed interest rate 0 % p.a.
    • for SMEs and large companies
    • a financial contribution to the acquisition of an energy assessment
    • financed from ERDF (OP TAC - Technologies and Applications for Competitiveness) 
      • Applications are being accepted from 5 August 2026.
    more information

  • Energ

    The programme enables Prague companies to obtain interest-free loans to finance investment projects focused on energy savings.

    • the amount of the loan CZK 500 thousand to 60 million 
    • no interest and no fees
    • for investments
    • for small, medium and large companies
    • financial contribution for the acquisition of an energy assessment and for achieving the planned energy savings 
      • Applications are being accepted from 1 April 2024.
    more information

  • S-Business Plus

    The programme enables social enterprises to obtain interest-free loans to finance projects aimed at launching or developing business activities. It is suitable for funding projects throughout the Czech Republic.

    • Loan amounts from 400,000 to 25 million CZK
    • Interest-free and with no fees
    • To cover operating costs and investments
    • For small, medium and large businesses
    • Also for businesses with a short track record
      • Applications are being accepted from 1 April 2024.
    more information