Paperwork-free business 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.

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.

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.

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.

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.

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.

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).

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

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.

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.

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.