S-podnik UB


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.

Loan amount up to 90%

What type of loan we offer?

  • Loan amount

    CZK 0.4 – 25 million
  • Loan amount

    up to 90%

    Up to 90% of eligible expenses of the project

  • Maturity

    up to 2 or 12 years

    Maturity 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. 

  • What can it be used for?

    investments and working expenses
  • Grace period

    up to 1 or 3 year

    Grace period for working loans is up to 1 years. Grace period for investment loans is up to 3 years.

  • Interest rate and price

    0 % and CZK 0
What type of loan we offer?

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?

  • for the acquisition of machinery and equipment (including second-hand)
  • for the acquisition and renovation of buildings
  • the acquisition of intangible fixed assets
  • to finance working expenses other than staff and salary costs, repayments of other loans or leases
  • expenses on the acquisition of small tangible or intangible assets
  • expenses on the acquisition and financing of stocks

Important information

State aids: de minimis or GBER – regional / initial support

Important information

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.

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