Preferential loans under the S-Enterprise programme make it easier for social enterprises to finance investment projects aimed at starting or developing business activities and to cover working expenses.
S-Enterprise
What type of loan we offer?
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Loan amount
CZK 0.4 – 25 million -
Loan amount
up to 90%Up to 90% of eligible expenses of the project
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Maturity
up to 2 or 12 yearsMaturity for working loans is up to 2 years. Maturity for investment loans is up to 10 years or up to 12 years if real estate assets are acquired.
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What can it be used for?
investments and working expenses -
Grace period
up to 1 or 3 yearGrace period for working loans is up to 1 years. Grace period for investment loans is up to 3 years.
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Interest rate and price
0 % and CZK 0

Project location & Supported sectors:
- Territory of the Czech Republic
- Sectors available in CZ- NACE list (Annex of the programme) – including agriculture, forestry, fishery
Basic terms and conditions:
- Compliance with the definition of a social enterprise
- Loan is designed for both existing and newly created social enterprises (including existing enterprises starting social activities)
What can be financed by loan?
Important information
State aids: de minimis or GBER – regional / initial support

The programme is financed from the ESI funds under the Operational Programme Employment.
In addition to interest-free financing to cover working or investment expenses, we also offer free advice to social enterprises up to 50% of the loan amount. We advise on management, organisation and production, marketing and PR and financial management. Further information can be found here.
Contact us
Do you want to learn more about our programmes or our bank's activities? Send us your enquiry and we will get back to you.
