Paperwork-free business loan

Support your business with a loan of 30k CZK to 2 million CZK. It is easy to get it in a few clicks in the Client Portal, approval takes place in a few minutes and repayments are deducted automatically from the transactions made at the payment gateway or terminal.

The bigger your turnover, the bigger loan you get

The loan is for Comgate clients who have been actively using payment services for at least six months.
The maximum amount of the loan is based on the volume of payments on the Comgate payment gateway or terminal.

Quick approval

Loan approval is processed online. Everything, including signing the contract, takes up to 10 minutes.


We send money to your bank account immediately after the contract is signed.

Purpose of
your choice

The purpose of the loan can be anything relevant to your business.

Easy repayment

Repayments are deducted from your revenue automatically, so you don't have to set anything up.

How does it work?

You enter your data online and send a scan of your documents. The whole process, including data verification
and loan approval, can take up to 10 minutes.


You can get a loan offer in the client portal. There is no need to go to a branch or submit statements, just one click.


The total overpayment
of the loan is between
0.8 and 1.3 % per month depending on the individual risk profile.


The loan agreement is concluded online, without paperwork. We send the amount of the loan to your bank account.


Repayment of the loan is automatic. We deduct a predetermined percentage of each transaction as a loan repayment.

We approve more than 80% of loans

We do not require financial statements or years of company history. You don't need to visit a branch and you don't need a guarantor.
Does it sound too good? Yes, that's exactly how it works.

Who is eligible?

The loan is intended for Comgate clients who use a payment gateway or payment terminal and their volume of transactions has not fallen below CZK 20,000/month in the last six months.

What are the parameters of the loan?

You can get a loan of between CZK 30,000 and CZK 2,000,000 depending on the volume of transactions at Comgate. The total fee, depending on the individual risk profile, is 2.4% to 3.9% for a 3-month maturity, 4.8% to 7.8% for a 6-month maturity and 9.6% to 15.6% for a 12-month maturity. The exact repayment period of the loan is based on the automatically determined amount of the fees charged on transactions via the payment gateway or terminal.

How long does approval take?

Loan approval takes around 10 minutes. You receive a loan offer, the next step is to choose the amount and repayment period, and finally you sign the contract online.

What are the liability requirements?

In cases where the assessment results in the need for a guarantee, we only require a personal guarantee by a simple declaration. We do not require any real estate pledges, additional guarantors, notarization or other complexities. We trust that you are serious about your business, loan and repayment.

Who is the loan provider?

The provider of the loan is Lemonero, s.r.o., which is co-owned by Komerční banka, a.s. This loan product was tailor-made for Comgate clients and is provided exclusively in cooperation with Comgate.

How much can I draw?

The loan offer is based on the volume of transactions on the payment gateway or payment terminal in the last six months. As a rough guide, if you have a monthly transaction volume of CZK 350,000, you can get a loan offer of up to CZK 500,000.

How can I activate the loan?

You activate the loan in the Comgate client portal. You will enter the information and photos electronically. You will receive an offer for a specific loan amount within 10 minutes. Once you have chosen the loan amount and repayment period, we will conclude the contract, again online. We then send the money to your bank account immediately.

What documents will I need?

Prepare a double-sided photo of your ID card and a selfie photo with your ID card showing your photo. A second document to verify your identity (driver's licence, passport or health insurance card). In addition to these documents, we will ask you for a copy of your bank statement for the last three months. You can upload the documents in .pdf format or as images (.jpg, .png, .img).

How do I sign the contract?

The contract is concluded online. You fill in a few details and upload the required photos. Once the check has been carried out, you will receive a loan offer. After you sign the electronic contract online, we send the money to your account.

What can I use the loan for?

You can use the loan to purchase inventory, store equipment, marketing... In short, anything.

What is the repayment process?

Repayment is automatically deducted from each trade transaction via the Comgate payment gateway or payment terminal. In the event of a lapse or suspension of transactions through the Comgate payment gateway or payment terminal, the repayment schedule specified in the contract must be followed and payments must be made manually or the difference sent by a bank transfer to the account specified.

What is the option to connect a business bank account?

Linking a business bank account to a business loan allows for a more accurate assessment of business performance, which can lead to higher funding offers. This is because it also makes it possible to evaluate business transactions and movements that take place outside the payment gateway. You can connect a bank account using the SaltEdge app after activating funding in the Client Portal. You create your own identity in the app using your email address and connect the account by confirming your consent in online banking. You can then also manage the connected accounts in SaltEdge. Then, with the correct bank account connected, there is no need to manually upload bank statements when applying for a loan online.

What happens if the volume of transactions is not enough to meet the minimum monthly payment?

This situation may occur in exceptional cases. If, after 15 days into the monthly cycle, it appears that the contracted transaction deduction amount does not reach at least the minimum installment amount, the transaction deduction percentage will be temporarily increased to reach the minimum installment amount no later than 3 days before the end of the monthly cycle. Thereafter, no later than 3 days before the end of the monthly cycle, the amount of the deduction shall be adjusted back to the level agreed in the contract.

Do you have any questions? 

We are available online weekdays from 8:00 to 20:00. Your questions will be answered as fast as possible.

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