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.

We are a German savings bank, member of a strong financial group of German savings banks. We offer German banking products for cross-border employees (pendlers) or companies. Among others, mortgages for real estate in the Czech Republic, retirement savings with German state contribution, investments, real estate in Germany.

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.

Available non-bank loan without a fee from CZK 1,000 up to CZK 100,000. No guarantor. We guarantee fast online processing and payment to your account. We do not look into the register of defaulters. Early repayment is possible at any time for free. You can solve everything from the comfort of your home. We process over 700 applications a day.

Online marketing for bank and non-bank loans. Product comparisons, consumer information on the parameters of SMS loans without proof of income and register, bank loans and credit cards.