Investment loan for sustainable projects
A purpose-linked loan for companies and public bodies investing in solar energy, efficient buildings, low-emission transport and other sustainable projects.
Esta oportunidade está atualmente disponível em inglês.
Komerční banka can offer preferential interest for investments with a positive environmental or social effect. Eligible examples include solar installations, renewable energy and manufacture of renewable-energy equipment, efficient buildings, low-emission mobility, wastewater treatment and sewers, and projects that reuse materials through a circular economy. Education, healthcare and social-service projects are also covered.
The amount is agreed in your loan contract. You repay the borrowed money on the contractual dates and pay interest on the amounts actually paid out to you. Unless agreed otherwise, the contract takes precedence over the bank’s standard terms.
Application assessment, arrangement, company loan administration, changes requested by you and reservation of undrawn investment-loan funds are priced individually. Municipal loan administration is CZK 300 per month, charged for each started month from the contract taking effect throughout the loan relationship. The investment-loan reservation charge is calculated on the undrawn balance and collected monthly only when it exceeds CZK 30.
Early repayment, or drawing less than the agreed amount, can require compensation unless you agree otherwise. The bank compares the original and revised loan payments after converting future payments to their value today. Revised payments include any principal repaid early—the borrowed amount before interest; for a loan not fully drawn, the calculation treats the undrawn principal as received at the end of the agreed drawdown period. You pay only a positive difference, with no charge if the difference is zero or negative. This compensation for drawing less is waived when the shortfall is strictly less than 10% of the agreed loan and the original drawdown period is at most 36 months from signing.
Eligibility
The corporate route serves companies, financial institutions, public bodies and municipalities. Companies with annual turnover from CZK 60 million to CZK 1.5 billion use corporate and municipal banking; those above CZK 1.5 billion use global banking. The bank assesses your proposal and is not obliged to grant a loan.
- Use the money only for the purpose agreed in the contract and prove that use when requested.
- Maintain a current account at Komerční banka for repayments and charges. Route your payments through it at least in the proportion set by the bank’s financing relative to financing from other financial institutions.
- Provide and maintain security when the contract requires it, submit the financial statements on the agreed dates and keep your property or insurable assets insured throughout the contract.
- The standard terms require prior written bank consent for transferring assets, granting others rights over assets (including using assets to secure debts), leasing assets to others, borrowing or lending money, entering leases as a tenant and the other financial commitments listed in the terms. The stated exceptions cover ordinary-course asset sales at usual market conditions and security for debts owed to Komerční banka. Security granted to an entity controlled by Société Générale is also excepted when that entity is based in Czechia or has or acquires a direct or indirect equity stake in a Czech-based entity. The bank will not refuse consent without serious reasons.
A contractual breach can allow the bank to stop further payouts and demand repayment earlier.
How to apply
- Estado
- Aberto continuamente
- Condições do período de candidaturas
- Contact corporate banking for individual assessment.[^c2][^c3]
Contact your bank adviser or the corporate banking team listed for your region or client category to discuss this investment loan. The current product accepts enquiries through these contacts.
After signing, payment depends on meeting the contract’s conditions: paying the arrangement charge or other agreed setup fee, providing any legally required approval to enter the contract, proving agreed security and supplying the other agreed documents. Submit a completed signed request at least two business days before the requested payout, unless a shorter period is agreed; you need bank consent to change or cancel it. Money can be paid out once or in stages after conditions are met.