Interest-free TRANSFORMATION loans are dedicated to support the investment activities of small and medium-sized entrepreneurs active in three just transition regions, i.e. Moravian-Silesian, Ústí nad Labem and Karlovy Vary regions.
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Transformation – loans
Karlovarský kraj, Ústecký kraj, Moravskoslezský kraj
Karlovarský kraj, Ústecký kraj, Moravskoslezský kraj 
What type of loan do we offer?
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Loan amount
CZK 0.5-100 millionCZK 0.5-60m for projects located in Karlovy Vary or Ústí Regions; CZK 0.5-100m for projects in the Moravian-Silesian Region)
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Loan amount
Up to 90%Up to 90% of eligible expenses of the projects
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Maturity
Up to 10 years -
Grace period
4 years -
Interest rate and fees
0% and CZK 0
The programme addresses SMEs operating in
• Manufacturing and construction
• Retail and wholesale trade
• Transportation and storage
• Cultural, entertainment and recreational activities
What can be financed with this loan?
• Acquisition of machinery and equipment
• Technical upgrade of buildings
• Acquisition of technological procedures, programs, licenses and software
Other programs offered
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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.
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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.
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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.
