We provide free debt counselling, In the last 7 years we have helped more than 95,000 people to solve their debt problems, of which over 11,000 have solved their situation by means of debt relief under the Insolvency Act. Anyone can contact us, no matter where you are from.

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 provide business and consumer loans from CZK 200 000 with real estate guarantee.

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.