ENERG

ENERG

Funds Prague businesses with zero-interest loans for energy efficiency and sustainable infrastructure upgrades.

ENERG is a nationally funded, zero-percent-interest preferential loan offered by Narodni rozvojova banka (NRB) for capital investments in energy efficiency, and it is the only NRB program that explicitly covers enterprises located in Prague — complementing the Expansion Loans product, which excludes the capital under EU regional aid rules. Unlike most NRB products, ENERG is open to small, medium, and large enterprises, broadening the eligible applicant pool to include large corporations with Prague-based operations.

Loans range from CZK 0.5 million to CZK 60 million, covering up to 70% of eligible project expenses, with a 10-year tenor and a grace period of up to 2 years. In addition to the zero-interest loan, the program provides a bonus financial contribution of up to 7% of the loan amount and reimburses up to 80% of the cost of a mandatory energy assessment report (capped at CZK 0.1 million). Eligible projects include building insulation, window and door replacement, heat recovery systems, energy-efficient HVAC, renewable energy generation paired with heat pumps, lighting modernization, and electricity or gas distribution reconstruction tied to measurable consumption reductions. CZ-NACE sector restrictions apply, and state-aid compliance is managed under de minimis or GBER frameworks.

The combined incentive structure — zero interest, a bonus contribution equivalent to a partial grant, and reimbursement of the energy assessment cost — makes ENERG a competitive financing tool for energy-intensive facilities or commercial building operators in Prague seeking to reduce operating costs and meet energy performance obligations. Applicants initiate the process through NRB's inquiry and proposal channels; no fixed application deadlines are published for the program.