S-Enterprise plus

S-Enterprise plus

Funds Czech social enterprises with zero-interest loans supporting both operations and investment in social impact growth.

S-Enterprise plus is a zero-percent-interest loan program administered by Narodni rozvojova banka (NRB) and designed exclusively for Czech social enterprises — both newly established entities and existing organizations formally entering social economy activities under the official Czech statutory definition. The program is co-financed by European Social Fund+ capital through the Czech Operational Programme Employment+ (OP Z+), providing a direct EU mandate for social economy development rather than industrial or regional aid objectives.

Loans range from CZK 0.4 million to CZK 25 million, covering up to 90% of eligible expenses. Two distinct loan variants are available: an investment variant with a tenor of up to 12 years and a grace period of up to 3 years, and a working-capital variant with a tenor of up to 3 years and a grace period of up to 1 year. This dual structure means social enterprises can use the program for long-term asset acquisition or for bridging operational cash needs. Eligible costs include machinery (including second-hand equipment), buildings and renovation, intangible assets, working expenses excluding salaries and lease payments, stock, and small tangibles. There is no Prague exclusion — the program is available across the entire Czech Republic.

Applicants must hold or qualify for social enterprise status under Czech law, which requires demonstrated social purpose and specific organizational form criteria. The combination of zero interest, a 90% coverage ratio, and the long investment tenor makes S-Enterprise plus one of the most favorable debt-financing instruments for Czech social economy organizations seeking to scale operations or undertake infrastructure investment without commercial borrowing costs.