We offer non-bank loans to individuals, entrepreneurs and sole traders up to CZK 250,000. Personal and business loans can be arranged from the comfort of your home or at our branches. You can arrange a Razdva loan from your mobile phone within 12 minutes of approval. We do not need to know the reason for the loan and we also offer the possibility of merging loans.

The company has a history of 24 years of real estate investment. It offers bonds with yields up to 9%. Its portfolio of investments includes EFI Hotels, EFI Brewery, office buildings and residential properties. It will also offer its services as a real estate agency. The insurance services division will take out insurance for you.

We are a full-service real estate and financial advisory agency providing a comprehensive service for the sale, purchase and lease of residential and commercial real estate in the Czech Republic. By combining real estate and finance, we offer superior care, time savings and the certainty of making the right decisions - all handled efficiently and in one place.

We deal with the professional processing of bankruptcy petitions and have a 100% success rate in personal bankruptcy. We help people in a difficult financial situation to stop property auctions and debt recovery not only by bailiffs, thus protecting their assets. We also offer free consultations.