Nazivnost review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.

Key facts

Best for
Short working capital cover for Czech business owners who value speed over a low rate.
APR
0.037% to 30,341% (Source, checked September 26, 2026)
Loan amount
CZK 5,000 to CZK 200,000 (Source, checked September 26, 2026)
Term
2 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within minutes of approval, at latest the next day (Source, checked September 26, 2026)
Representative example
Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts (Source, checked September 26, 2026)
Origination fee (%)
0.05% (Source, checked September 26, 2026)
Loan types
Business, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
CreditKasa s.r.o. (IČO 048 23 541) (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
nazivnost.cz

Pros and cons

Pros

  • Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
  • A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
  • Free early repayment, so an early settlement adds nothing to the bill.
  • A fixed rate on a fixed-rate model, so instalments hold steady across the schedule.

Cons

  • Rates of 0.036% to 30,341% sit far above the site median of 12%.
  • The credit check is hard and the file must be fair.
  • Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
Nazivnost

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Who it suits

  • Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
  • Borrowers who expect to settle early, since free early repayment is offered.
  • Owners who put speed of funding ahead of the cheapest headline rate.

Who should look elsewhere

  • Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
  • Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.

How your money is protected

Nazivnost is a direct lender, so the agreement runs directly with CreditKasa, the company named on the terms, and the same firm sets the pricing. The representative example is the figure to read first: an annuity business loan of CZK 5,000 to CZK 200,000 over 2 to 12 repays several times the sum borrowed, with the annual rate in the hundreds. Put that against your own plan before signing.

The company behind it

The lender is CreditKasa s.r.o. (IČO 048 23 541), registered in Czechia and trading since 2016. Because it lends directly, the paperwork, the terms and the payments all sit with one entity. Support runs on phone, email and help centre, so a question can go by phone, by email or through the help centre.

How Nazivnost compares

Where Nazivnost is available

Available
Czechia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Nazivnost?+

Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.

What does it cost to borrow here?+

The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.

What credit check is used?+

The check is hard, a full credit file search, and the file is expected to be fair. Eligibility also lists permanent residence in the Czech Republic, a personal bank account at a Czech bank and a trade licence held a waiting period.

How quickly does the money arrive?+

Funding is Within minutes of approval, at latest the next day, and same-day funding is a listed feature. The licence has to have been held a waiting period, so that speed is available to an established trader once the qualifying time on the licence has passed.

Do I need a business licence to apply?+

Yes. Eligibility requires a valid trade licence held a waiting period, permanent residence in the Czech Republic and a personal bank account at a Czech bank, plus a minimum age. The criteria point at established sole traders in the Czech Republic.

Can I repay early without a charge?+

Free early repayment is offered, so settling the balance before the schedule ends costs nothing extra. That matters against a daily arrangement fee, since the daily charge stops once the loan is closed. Support runs on phone, email and help centre if the figures need checking.

Where else could I get a lower rate?+

Look elsewhere for a gentler ceiling. Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well below the top of 0.036% to 30,341%, and Creditilia ES at 4% to 289% also stops short of that level.

Sources

  • ares.gov.cz/ekonomicke-subjekty-v-be/rest/ekonomicke-subj... checked September 26, 2026

    Backs: Founded, Headquarters

    “datumVzniku: 2016-02-24”

  • nazivnost.cz checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Lender type, Representative example, Term

    “Až 200 000 korun ihned 24/7, 100% online”

  • nazivnost.cz/contacts checked September 26, 2026

    Backs: Support channels

    “Klientské centrum: 234 261 737, info@creditkasa.com, Oddělení pohledávek: pohledavky@creditkasa.com”

  • nazivnost.cz/faq checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Eligibility, Free early repayment, Loan types, Arrangement fee, Origination fee (%), Rate type

    “RPSN dosahuje 0,0365% ... RPSN dosahuje 30341%”

  • nazivnost.cz/terms-and-conditions-commercial-loan checked September 26, 2026

    Backs: Legal entity, Pricing model

    “společností CreditKasa s.r.o., IČO 048 23 541, sídlem Hradecká 2526/3, Praha 3, Vinohrady, PSČ 130 00, zapsanou v obchodním rejstříku vedeném Městským soudem v Praze pod sp. zn. C 254110”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Nazivnost

Nazivnost

Short working capital cover for Czech business owners who value speed over a low rate.

9.0/10Visit

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