Investice a Finance

What Investice a Finance does

Investice a Finance s.r.o. is a Pardubice-based financial advisory firm operating as a dedicated division of the accounting practice Mka účetnictví s.r.o. The company specialises in intermediating bank loans, refinancings, non-bank financings, and Czech/EU subsidy programmes for small and medium-sized enterprises, entrepreneurs, and real estate developers across the Czech Republic. Its service model is consultative and field-based: advisors visit clients on-site, prepare the full documentation package, run tender proceedings across multiple lenders, represent the client in creditor negotiations, and provide ongoing servicing including annual bank reporting. A network of 50+ Czech banking and non-banking partners (including Komerční banka, ČSOB, Česká spořitelna, UniCredit, MONETA, ČMZRB, Akcenta, Artesa) is used to obtain competitive terms.

Name

Investice a Finance

Legal name

Investice a Finance s.r.o.

Website

https://investice-finance.eu

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Investice a Finance s.r.o. is a Pardubice-based financial advisory division of Mka účetnictví s.r.o. that intermediates bank loans, refinancings, non-bank financing, and Czech/EU subsidies for SMEs, entrepreneurs, and real estate developers across the Czech Republic.

Ownership category

akta.pro rank

Product category

Commercial Lending Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Miscellaneous Business Credit Institution (6159), Investment Advice (6282)

akta.pro industry

PRIMARYBPAHADAG

Capital Raising Advisory (Debt/Equity/Private Capital)

Business & Public Services/Professional Services (Legal, Accounting, Consulting)/Strategy & Corporate Finance Advisory

SECONDARYFSAEAGAD

Debt Advisory & Financing Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/M&A Advisory & Corporate Finance

SECONDARYBPAHADAB

Corporate Finance & Capital Advisory

Business & Public Services/Professional Services (Legal, Accounting, Consulting)/Strategy & Corporate Finance Advisory

SECONDARYFSAEAGAE

Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/M&A Advisory & Corporate Finance

Keywords

• Commercial loan advisory
• Loan refinancing services
• Business financing consulting
• Subsidy application support
• SME credit intermediation

Headquarters

HQ city

Pardubice

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Financial Advisory and Intermediation Services: The company charges for its financial intermediation and advisory services using individual pricing models. They offer hourly rates, monthly flat fees, or contract-based fees per case. This fee-based model (not commission-based from banks) allows them to provide truly independent advice without conflicts of interest.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Investice a Finance is the financial advisory division of Mka účetnictví s.r.o., intermediating bank and non-bank loans, refinancing, and subsidy advisory for Czech SMEs, entrepreneurs, and developers. The firm acts as an independent credit broker with authorization under the Czech Banking Act, drawing on a network of 50+ financing partners. Services include initial financial analysis, identification of suitable subsidy programs, and end-to-end deal structuring through disbursement.

Product overview

Investice a Finance is a financial advisory division of Mka účetnictví s.r.o. that operates as a unified consulting platform offering loan intermediation, refinancing, and subsidy advisory services. The core offerings include Bankovní úvěry pro firmy a podnikatele (bank loans for businesses), Refinancování úvěrů (loan refinancing), Nebankovní úvěry (non-bank loans), and Dotace a podpůrné programy (grants and support programs). Supporting services include free Finanční analýza a prvotní konzultace (financial analysis and initial consultation) and special advisory for Financování developerských projektů (developer project financing). The comprehensive Portfolio úvěrů pro podnikatele covers current account credits, revolving credits, factoring, custom financing, investment loans, project financing, and business share purchases.

Differentiator

Problem solved

Functional benefit

Products and services

• Portfolio úvěrů pro podnikatele (Loan Portfolio for Entrepreneurs)

Quantifiable outcome

• Interest rate reduction to below 1% p.a.
• +6 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and major.

• Komerční banka (KB)coreChannel Partner/ Reseller/ DistributorOne of the largest Czech banks, part of Société Générale group. Listed as a primary banking partner for facilitating client loan applications and financing arrangements.
• ČSOB (Československá obchodní banka)coreChannel Partner/ Reseller/ DistributorMajor Czech banking institution. Key partner for corporate and SME financing solutions.
• Česká spořitelnacoreChannel Partner/ Reseller/ DistributorLargest Czech bank by number of clients. Primary partner for various financing products.
• UniCredit Bank Czech RepublicmajorChannel Partner/ Reseller/ DistributorInternational banking group with strong corporate banking focus. Partner for enterprise financing solutions.
• MONETA Money BankmajorChannel Partner/ Reseller/ DistributorCzech retail and corporate bank. Partner for SME financing and refinancing solutions.
• Českomoravská záruční a rozvojová banka (ČMZRB)coreChannel Partner/ Reseller/ DistributorState-owned development bank providing subsidized loans and guarantee programs for SMEs including EXPANZE, ENERG, and regional programs. Primary source for subsidized financing with 0% interest rates.
• AkcentamajorChannel Partner/ Reseller/ DistributorNon-banking financial institution. Partner for non-bank financing solutions and alternative credit options.
• ArtesamajorChannel Partner/ Reseller/ DistributorNon-banking financial company. Partner for non-traditional financing solutions.
• MPUmajorChannel Partner/ Reseller/ DistributorNon-banking credit provider. Partner for alternative financing arrangements.
• NEY (Contact Financial)majorChannel Partner/ Reseller/ DistributorNon-banking financial institution. Partner for non-bank loan solutions and credit alternatives.

Scale indicators5 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• GEPARD finance: Czech non-bank lending and financial advisory firm focused on SME and consumer credit intermediation. Directly comparable in loan brokerage and advisory for Czech SMEs.
• Fincentrum: Czech financial advisory and intermediation platform serving retail and SME clients across banking, investment, and insurance products. Comparable independent advisory business with multi-bank distribution.
• Broker Trust (Broker Consulting): One of the largest independent financial advisory networks in the Czech Republic, offering intermediation across banking products, investments, and insurance for individuals and SMEs. Directly comparable intermediation and advisory model.
• Partners Financial Services: Czech financial advisory group providing intermediation across financing, investments, and insurance products. Comparable advisory and intermediation business model targeting retail and SME clients.
• Kapitol (Finanční poradenství): Czech financial advisory firm providing loan intermediation and refinancing services for SMEs. Directly comparable SME loan broking and refinancing focus.

Regional players

• Akcenta: Czech non-banking financial institution offering SME financing and FX-hedging products. Listed as a partner but also operates in overlapping non-bank lending space for Czech SMEs.

Broad incumbents

• ČSOB (Československá obchodní banka): Major Czech universal bank (KBC Group). Similar to KB - a key partner channel but also an incumbent with broad SME financing offerings that could displace external brokers.
• Komerční banka (KB): One of the largest Czech banks, Société Générale subsidiary. Both a partner and a potential substitute - offers in-house SME lending and advisory that competes with the external broker layer.

Emerging players

• Top Finance: Czech financial advisory and loan brokerage for SMEs and individuals. Comparable SME-focused intermediation model but smaller scale.

Others

• ČMZRB (Českomoravská záruční a rozvojová banka): Czech state-owned development bank providing subsidized loans and guarantees to SMEs. A key partner/ecosystem player rather than competitor, but materially relevant given the subsidy-led nature of Investice a Finance's offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/financovanifirem
• LinkedInlinkedin.com/company/investice-a-finance-s--r--o-

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Investice a Finance