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 also offer online fast non-bank loan and credit up to 300 000 CZK without collateral and with a record in the register for employees, pensioners and entrepreneurs (self-employed, sole proprietors, Ltd. ). You can arrange the loan online and in person by phone. We also offer business loans and loans with collateral up to 80% of the value of the collateral.

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.