Updated October 17, 2026 · BorrowCue Editorial Team
Nazivnost vs VIP Capital Funding
Where Nazivnost and VIP Capital Funding differ
| Compare |  Nazivnost | VIP Capital Funding ReviewVisitVisit |
|---|---|---|
| APR | 0.037% to 30,341%Lower | 7% to 12% |
| Loan amount | CZK 5,000 to CZK 200,000 | $25,000 to $15,000,000 |
| Funding time | Within minutes of approval, at latest the next day | decision in as little as 4 to 24 hours for qualifying businesses |
| 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 | minimum $25K average monthly revenue for qualifying businesses |
| Loan types | Business, PaydayCovers more | Business |
| Term | 2 to 12 months | Not confirmed |
| 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 | Not confirmed |
| Credit check | Hard | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0.05% | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- VIP Capital Funding scores higher overall: 9.2 vs 9.0.
- APR is lower at Nazivnost: 0.037% to 30,341% vs 7% to 12%.
- Support channels: only Nazivnost offers Phone, Help centre.
- Loan types: only Nazivnost offers Payday.
Our verdict on each
Nazivnost
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.
VIP Capital Funding
VIP Capital Funding invites businesses to discuss financing needs and lists financial statements and a summary of business needs among requested documents.
Score breakdown
| Area | Nazivnost | VIP Capital Funding |
|---|---|---|
| Cost | 9.3HigherRates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. | 9.2 |
| Offer | 8.7 | 9.0Higher |
| Trust | 8.8 | 9.3Higher |
Which one suits you
Pick Nazivnost if apr and loan types matter most.
Pick VIP Capital Funding if offer and trust matter most.
Where they rank in our lists
| Ranking | Nazivnost | VIP Capital Funding |
|---|---|---|
| Business loans | 15 of 438 | 13 of 438 |
A third option
Prestamiau ES has apr at 0% to 36%, against 0.037% to 30,341% for Nazivnost and 7% to 12% for VIP Capital Funding.
Prestamiau ES reviewSources behind this comparison
Nazivnost
- nazivnost.cz: 18 facts, checked September 26, 2026
- ares.gov.cz: 2 facts, checked September 26, 2026
VIP Capital Funding
- vipcapitalfunding.com: 9 facts, checked October 17, 2026
Every fact side by side
| Fact | Nazivnost | VIP Capital Funding |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | CreditKasa s.r.o. (IČO 048 23 541) | Not confirmed |
| Headquarters | Czechia | United States |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Nazivnost | VIP Capital Funding | Median |
|---|---|---|---|
| APR | 0.037% to 30,341%lowest quarter | 7% to 12%below the median | 8.95 |
| Term | 2 to 12 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | 0.05%below the median | Not confirmed | 0.125% |
Median across 1164 listed lenders.
Pros and cons
Nazivnost
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.
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.
VIP Capital Funding
Pros
- VIP Capital Funding invites businesses to discuss financing needs and lists financial statements and a summary of business needs among requested documents.
- Its role as creditor or intermediary is not established, and no approval or timing is promised.
Who each suits
Nazivnost
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%.
VIP Capital Funding
Who it suits
- US businesses reviewing the enquiry materials VIP Capital Funding requests
Country by country
| Country | Nazivnost | VIP Capital Funding |
|---|---|---|
| Czechia | Yes | No |
Questions about each
Nazivnost
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.
VIP Capital Funding
What types of business financing are offered?+
The company provides working capital for payroll, inventory and revenue gaps, financing for equipment, machinery and vehicles, and longer term loans for established businesses. It also mentions support for business acquisition as one area it covers. Financing is designed around growth needs and operational stability rather than a single product.
Does the financing require collateral?+
The company says its funding is offered without collateral, which can suit businesses that prefer not to pledge assets. Its approach focuses on cash flow stability and long term growth capacity. The company describes its model as flexible and designed around the goals of each business.