Profi Credit

What Profi Credit does

PROFI CREDIT Czech, a.s. is a non-bank consumer and commercial lender headquartered in Prague (registered office) and Pardubice (operational headquarters), operating as part of the multinational Profireal Group. Founded in 1994 as PROFIREAL and re-branded to PROFI CREDIT upon entry into consumer lending in 2000, the company has provided tens of billions CZK in cumulative loans and serves Czech residents aged 18+, entrepreneurs, and over-indebted consumers seeking consolidation. Its product portfolio comprises unsecured personal loans (Osobní půjčka, 10,000–250,000 CZK, 12–48 months), a digital-native online loan (Razdva půjčka), loan consolidation (up to six loans, up to 250,000 CZK), unsecured business loans for self-employed borrowers (from 3 months of operation), and secured commercial loans (Byznys půjčka, 500,000 CZK to hundreds of millions, up to 80% LTV on real estate). Pricing follows a monthly installment model with representative APRs from 7.21% p.a. and a regulatory maximum RPSN of 143.18%.

The operating model is built on a hybrid distribution system: a network of loan advisors ('úvěrový poradci') reachable remotely or in person at 8 physical branches, complemented by a contact center (800 166 000), WhatsApp support, and an online client portal (Klientský portál) for self-service loan management and contract signing. Customer acquisition runs through inside and field sales, referral rewards (2,000 CZK per successful referral), SEO-optimized content marketing, and social media presence across Facebook, Instagram, and LinkedIn; retention is driven by the 'Klub dobrého klienta' (Good Client Club) loyalty program offering up to 15% lower payments and priority service after six regular payments. Revenue is generated from interest income on the loan portfolio, with cross-sell of optional loan insurance (death, disability, job loss, serious illness, income protection).

Corporate strategy emphasizes international expansion via the Profireal Group — which operates in Poland, Bulgaria, Russia, Slovakia, North Macedonia, and through the Philippines-based Flexi Finance (75% stake acquired April 2017) — alongside brand-building CSR partnerships (notably UNICEF from 2015). The company is regulated by the Czech National Bank under the Consumer Credit Act (No. 257/2016 Coll.) and led by CEO Petr Florián.

Name

Profi Credit

Legal name

PROFI CREDIT Czech, a.s.

Website

https://proficredit.cz

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

PROFI CREDIT Czech, a.s. is a Prague-based non-bank lender offering consumer loans, loan consolidation, and business loans to Czech individuals and SMEs, distributed through 8 branches, a loan advisor network, and digital self-service channels, as part of the Profireal Group.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Consumer lending
• Non-bank lending
• Loan consolidation
• Business loans
• Personal loans

Headquarters

HQ city

Pardubice

HQ country

Czechia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Spotřebitelské úvěry (Consumer Loans): PROFI CREDIT generates revenue primarily through interest income from personal loans (Osobní půjčka), Razdva loans, and business loans. The company charges interest rates (e.g., 7.21% p.a. for personal loans, up to 143.18% RPSN maximum) on the principal amount borrowed. Revenue is realized through monthly installments comprising principal and interest over the loan term.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

PROFI CREDIT is a Czech non-bank lender that originates and services consumer and business loan products. Its flagship Osobní půjčka (Personal Loan) provides up to 250,000 CZK over 12–48 months, complemented by the online Razdva půjčka, Sloučení půjček (Loan Consolidation of up to 6 loans), unsecured Podnikatelská půjčka up to 250,000 CZK for entrepreneurs, and secured Byznys půjčka from 500,000 CZK to hundreds of millions CZK against real estate collateral. Revenue is generated primarily through interest income on monthly installments.

Product overview

PROFI CREDIT is a non-bank lending company offering a portfolio of consumer and business credit products through a network of 8 branches and loan advisors across the Czech Republic. The core consumer products include Osobní půjčka (Personal Loan) providing up to 250,000 CZK with consolidation features, and Razdva půjčka as an online lending option. Business offerings comprise Podnikatelská půjčka (unsecured business loans up to 250,000 CZK) and Byznys půjčka (secured business loans with real estate collateral from 500,000 CZK to hundreds of millions). The company also offers loan insurance add-ons and maintains the Klub dobrého klienta VIP loyalty program for recurring borrowers. All products are offered under the Profireal Group umbrella, operating in 6 European countries with 30+ years of market presence.

Differentiator

Problem solved

Functional benefit

Brands

• Osobní půjčka: Spotřebitelský úvěr pro fyzické osoby až do výše 250 000 Kč
• Razdva půjčka
• Klub dobrého klienta

Products and services

• Osobní půjčka (Personal Loan) Non-bank personal loan offering from 10,000 up to 250,000 CZK with repayment terms of 12–48 months, targeted at Czech and Slovak consumers aged 18+ for any personal purpose. Includes the option to consolidate up to 6 existing loans into one, up to 3 free installment deferrals, and no fees for additional services.
• Razdva půjčka Online non-bank loan positioned as one of the first online loans on the Czech market, part of PROFI CREDIT's digital lending product line targeted at consumers preferring a fully digital application flow.
• Sloučení půjček (Loan Consolidation) Service allowing customers to consolidate up to 6 existing loans into a single Osobní půjčka, with total consolidation amount up to 250,000 CZK and repayment terms up to 60 months. PROFI CREDIT prepares termination letters for existing loans on behalf of the customer.
• Podnikatelská půjčka (Unsecured Business Loan) Unsecured business loan for self-employed individuals (OSVČ) operating at least 3 months, up to 250,000 CZK, with interest from 9.82% p.a., up to 36-month repayment term, and a representative example of 115,000 CZK over 36 months at 9.82% p.a. (10.27% APR) = 3,701 CZK/month.
• Byznys půjčka (Secured Business Loan with Real Estate Collateral) Business loan secured by real estate property, providing amounts from 500,000 CZK up to hundreds of millions CZK (up to 80% of property value), targeted at larger Czech businesses needing project funding and working capital with collateral-based terms.
• Pojištění půjčky (Loan Insurance) Optional insurance add-on for PROFI CREDIT loans covering death, third-degree disability, job loss, serious illness, and income protection during work incapacity — reducing customer risk during the loan term.
• Klub dobrého klienta (Good Client Club / VIP Loyalty Program) VIP loyalty program for clients who have made at least 6 regular payments, offering up to 15% lower payments, faster approval, priority service, and a dedicated VIP hotline (800 800 180).

Quantifiable outcome

• Loans up to 250,000 CZK available
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered flagship, core, major and minor.

• UNICEFflagshipStrategic or Co-development Partner · 1 January 2015PROFI CREDIT became the main partner of UNICEF in 2015. Help is directed especially to the most vulnerable - children.
• Profireal GroupcoreOthersParent company of PROFI CREDIT Czech. Multinational financial group operating in Czech Republic, Poland, Bulgaria, Russia, Slovakia, North Macedonia, and Philippines. Founded original company PROFIREAL in 1994.
• Dobrý anděl (Good Angel Foundation)majorStrategic or Co-development PartnerFoundation helping families with seriously ill members (children or parents). All donated amounts are evenly distributed to supported families monthly.
• Zdravotní klaun (Health Clown)majorStrategic or Co-development PartnerOrganization bringing joy, good mood, and hope to children's hospital rooms, specialized clinics, and homes caring for seriously ill children.
• SKP-centrum PardubiceminorStrategic or Co-development PartnerSocial aid organization in Pardubice region helping seniors, disabled, people in crisis, homeless, domestic violence victims, children, and young adults.
• Klub nemocných cystickou fibrózou (KNCF)minorStrategic or Co-development PartnerClub helping cystic fibrosis patients and their families cope with this rare incurable disease, providing social services and psychological and material support.
• Soukromý dětský domov Markéta (Private Children's Home Markéta)minorStrategic or Co-development PartnerPrivate facility in Radhošť (Pardubice region) providing care for children with court-ordered institutional care, offering individual approach and natural family environment.
• iWantminorGTM or Marketing PartnerApple partner store offering competition prizes (vouchers up to 300,000 CZK) to PROFI CREDIT clients who obtain loans during promotional periods.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Komerční banka: Komerční banka (Société Générale subsidiary) is one of the top Czech universal banks with significant consumer and SME lending operations. Comparable as a broad incumbent alternative for both Profi Credit's personal loan and business loan segments.
• Česká spořitelna: Česká spořitelna (Erste Group subsidiary) is the largest Czech retail bank and the dominant consumer credit provider. Comparable as a broad incumbent competitor in Czech consumer and SME lending, though its scale and product breadth far exceed Profi Credit's niche.

Direct peers

• Home Credit: Home Credit (PPF Group) is the largest non-bank consumer lender in Central and Eastern Europe, operating across Czech Republic, Slovakia, Russia, and other markets. Directly comparable to Profi Credit in product mix (personal loans, POS lending) and customer segment (underbanked consumers) across the CEE region.
• Banka CREDITAS: Banka CREDITAS is a growing Czech bank focused on retail and SME lending with a strong consumer-loan offering, often positioned as a digital-friendly alternative to traditional banks. Comparable as a domestic Czech lender competing for the same consumer credit customers.
• Vivus (4finance): Vivus is the consumer-facing brand of 4finance, a major European online and SMS-based consumer lender operating across CEE including Czech Republic. Directly comparable as a digital non-bank consumer lender in the same geographies.
• Cofidis: Cofidis, part of Crédit Mutuel group, is a major European non-bank consumer lender with significant Czech operations offering personal loans and credit cards. Directly comparable as a non-bank competitor in the Czech consumer credit market.
• Ferratum (now Multitude SE): Ferratum/Multitude is a Finnish-origin digital lender with operations across Europe offering small-ticket consumer loans. Comparable as a non-bank lender using both digital and traditional channels across multiple European markets.
• Air Bank: Air Bank is a Czech retail bank with a strong consumer-lending franchise and digital-first positioning that competes directly with Profi Credit for unsecured personal loan customers in Czech Republic. Comparable in target segment (mass-affluent Czech consumers seeking fast credit decisions).
• Provident Financial: Provident is one of the largest home-collected credit providers globally with a deep presence in CEE markets (Czech Republic, Poland). Comparable in business model: small-ticket consumer loans distributed via in-person agent network, the same channel Profi Credit uses.

Emerging players

• Zonky: Zonky (now part of Air Bank / PPF) was a Czech peer-to-peer consumer lending platform that competed for the same digitally native Czech borrowers as Profi Credit's Razdva online loan product. Comparable as a digital-first Czech consumer credit provider.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/proficreditcz
• LinkedInlinkedin.com/company/profi-credit-czech-a-s-
• Instagraminstagram.com/proficredit_cz

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Profi Credit