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Nazivnost review

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

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Our verdict

Nazivnost lends to Czech business licence holders, and it suits sole traders who need cash the same day. Amounts of CZK 5,000 to CZK 200,000 carry an APR of 0.036% to 30,341%, whose upper end is severe, so check the total repayable before applying.

Key facts

Best for
Czech sole traders wanting a business loan paid the same day with free early repayment.
APR
0.037% to 30,341%↗
Loan amount
CZK 5,000 to CZK 200,000↗
Term
2 to 12 months↗
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↗
Credit check
Hard↗
Funding time
Within minutes of approval, at latest the next day↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
0.05%↗
Loan types
Business, Payday↗
Credit needed
Fair↗
Legal entity
CreditKasa s.r.o. (IČO 048 23 541)↗
Headquarters
Czechia↗
Founded
2016↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
nazivnost.cz

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Free early repayment, so clearing the balance early costs nothing extra.
  • Support runs on phone, email and help centre, including a help centre for self-service questions.
  • Lending is fixed rate from a direct lender, so the price holds after you sign.
  • Same-day funding is offered, and Within minutes of approval, at latest the next day.

Cons

  • APR of 0.036% to 30,341% runs well above the 15.5% site median, so the cheaper end is narrow.
  • The daily arrangement fee is 0.05% on the amount drawn, and returning clients pay more than new clients.
  • A hard credit check runs on every application, so a refusal can leave a mark.
Nazivnost

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Sole traders in the Czech Republic with a valid business licence and a Czech bank account.
  • Owners who need cash quickly, since funding is Within minutes of approval, at latest the next day.
  • Borrowers who can clear the balance early without an exit charge.

Who should look elsewhere

  • Cashspace, whose APR of PHP 12 to PHP 36 sits in a much tighter range, serves borrowers in the Philippines rather than Czech traders.
  • Sofkredit, at 10.74% to 18.06%, may suit Spanish borrowers who rate-watch over speed.

Who runs it

Nazivnost trades as CreditKasa s.r.o. (IČO 048 23 541), based in Czechia and operating since 2016. The lender serves a single market, so applicants are judged on Czech criteria. Support runs on phone, email and help centre, with the same team handling application questions and existing borrowers.

How Nazivnost compares

Where Nazivnost is available

Available
Czechia

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

Frequently asked questions

What rate do I pay on a Nazivnost loan?+

The APR is 0.036% to 30,341% on a fixed rate, so the offer you are given matters more than the headline. The upper end of that range sits well above the 15.5% median across the site, which is why the total repayable figure is the number to read.

How much can I borrow?+

Amounts run CZK 5,000 to CZK 200,000, covering business loans and payday loans for a short gap. Applicants need a personal bank account at a Czech bank, so the balance lands in a Czech account and larger sums sit at the top of the range.

How long do I have to repay?+

Terms run 2 to 12, a short window that leaves the instalment on a large balance heavy. Early repayment is free, so a business that sees cash arrive sooner can clear the balance without an exit charge.

What fees will I pay?+

A daily arrangement fee of 0.05% on the amount drawn applies to new clients, with higher daily rates for returning clients and separate rates on annuity loans. The representative example on an annuity business loan shows a total repayable far above the sum borrowed.

Who can apply?+

You need to be an adult living permanently in the Czech Republic, with a personal bank account at a Czech bank, a valid business licence held for a minimum period and no debts. A fair credit record fits the profile.

How fast do I get the money?+

Funding is Within minutes of approval, at latest the next day, with same-day funding offered as standard. You apply with an approved licence and an existing Czech bank account, so the wait turns on the decision rather than the paperwork.

How do I get help?+

Support runs on phone, email and help centre, so you can call, email or use the help centre. The lender is a direct lender operating in Czechia as CreditKasa s.r.o. (IČO 048 23 541), and the same team answers questions on a business loan.

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

Czech sole traders wanting a business loan paid the same day with free early repayment.

9.0/10Visit