We are the key to your housing dreams. We believe that every property has a story, and we are ready to write its next chapter together with you. Our experience, enthusiasm and human touch will ensure that your wishes become a reality. Your trust is our commitment, your success our joy.

We offer invoice shortening for small and medium sized businesses. You don't have to wait for your customer to pay you. With us you have the money in your account within 3 days.

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 offer insurance for individuals, businesses and large corporations. We provide insurance for people, vehicles, small and medium-sized businesses, employees, legal protection, property and citizens, industry and entrepreneurs, liability or municipal insurance program.

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.