Guarantee programs

The National Guarantee Programme helps sole traders and small and medium-sized enterprises to secure more favourable terms and facilitate access to external financing for both investment and operating expenditure. Its aim is to support the effective and strategic development of businesses and their financing.

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• Amount of the loan guarantee: up to 70 per cent
• Amount of the guaranteed loan: CZK 0.5–20 million
• What can the loan be used to cover? Operating expenses / Capital expenditure
• Term of the loan guarantee: up to 10 years
• Location: throughout the Czech Republic
• Fees: no fees

Applications are being accepted from 18 December 2025.

Financial guarantees pave the way for the implementation of investment projects that contribute to Ukraine’s recovery and development. They support the financing of strategic investments, reduce risks for financing institutions, and help mobilise private capital into areas that are key to the country’s economic recovery, modernisation, and long-term prosperity.

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• Volume of the guarantee: up to 80 % of the guaranteed loan
• Amount of the guaranteed loan: EUR 1–39 million
• Warranty period: up to 10 years
• Currency of the guarantee: EUR
• Fees: No fees
• What can be paid for with a loan: Primarily capital expenditure

Applications are being accepted from 10 September 2026

The aim of the ‘Transformation Guarantee’ scheme is to stimulate economic growth and facilitate the transition to a more sustainable economy for businesses and companies operating in the Karlovy Vary, Ústí nad Labem or Moravia-Silesia regions. The guarantees will provide them with better access to the funding required for further development and investment.

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• Guarantee amount: up to 80%
• Amount of the guaranteed loan: 0.5–40 million
• What can the loan be used for? Operating expenses, capital expenditure
• Guarantee period: up to 7 years
• Costs/fees: 0 CZK
• Location: Karlovy Vary, Ústí nad Labem and Moravia-Silesia regions

Applications are being accepted from 15 December 2025.

The International Development Cooperation (IDC) Guarantee is available to small, medium and large entrepreneurs who are implementing their projects in developing countries and are looking for the access to finance.

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• Guarantee up to 80% of the loan principal (maximum CZK 50 mil.)
• Maturity: up to 8 years
• Mainly investment needs
• Support for expansion into developing markets
• Contributing to the development of local infrastructure
• Guarantee fee 0.5% p.a.

Applications are being accepted from 15 April 2019.

This call is aimed at banking institutions interested in becoming intermediaries for the NRB guarantee programme and offering their clients portfolio guarantees for their investment or operating loans, with the support of InvestEU. The programme is scheduled to launch for end applicants – entrepreneurs and businesses – in the fourth quarter of 2026.

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• Amount of the loan guarantee: up to 70 per cent
• Amount of the guaranteed loan: CZK 40–60 million
• Cost/fees: 0.2 per cent per annum of the outstanding guarantee amount
• Guarantee period: 3 years for working capital loans / 10 years for investment loans
• Location: throughout the Czech Republic
• What the loan can be used to cover: Operating expenses / Investment expenses

The programme for applicants from the business sector is scheduled to launch in the fourth quarter of 2026.