EXPRESS MONEY s.r.o.

Name

EXPRESS MONEY s.r.o.

Legal name

EXPRESS MONEY s.r.o.

Website

https://expressmoney.cz

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Non-Bank Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industry

Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• Non-bank lending
• Real estate loans
• Consumer credit
• Business loans
• Secured lending

Headquarters

HQ city

Liberec

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Primary revenue stream from interest charged on secured loans. Interest rates start from 11.9% p.a. for consumer loans and 12% p.a. for business loans. Interest can be paid monthly, quarterly, semi-annually, annually, or upon principal repayment. The company has been operating since 2005.
2. Loan Processing Fees: One-time processing fee charged at loan signing. Minimum fee is 5,000 CZK for business loans, which includes stamp duties and verification fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

EXPRESS MONEY s.r.o. originates non-bank loans secured by real estate in the Czech Republic, split into consumer loans (interest from 11.9% p.a., terms up to 5 years) and business loans (interest from 12% p.a., terms up to 3 years), with a minimum loan amount of 200,000 CZK and property collateral that need not be owned by the borrower. Applications are taken through the company website or in person at the Liberec office, and the company runs its own property valuation, with approvals commonly within 2-7 working days.

Product overview

EXPRESS MONEY s.r.o. operates as a non-bank lender specializing in real estate-secured loans offered through two distinct product lines: (1) Consumer Loans (Úvěry pro spotřebitele) for individual borrowers, and (2) Business Loans (Úvěry pro podnikatele) for entrepreneurs and companies. Both products share a common architecture: minimum loan amounts of 200,000 CZK, collateral in the form of real estate property (which need not be owned by the borrower), flexible interest payment schedules, and penalty-free early repayment. The company also provides an online loan application platform for initial request submission. Interest rates start at 11.9% p.a. for consumers and 12% p.a. for businesses, with maturity periods of up to 5 years (consumers) or 3 years (businesses).

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Loans (Úvěry pro spotřebitele) Non-bank consumer loans secured by real estate (collateral need not be owned by the borrower), with interest from 11.9% p.a., minimum 200,000 CZK, terms from 1 month up to 5 years, flexible interest payment frequencies, and no penalties on early repayment. Designed for individual consumers in the Czech Republic who need fast, alternative access to credit.
• Business Loans (Úvěry pro podnikatele) Non-bank business loans secured by real estate (collateral need not be owned by the borrower), with interest from 12% p.a., minimum 200,000 CZK with no fixed upper cap (set by collateral value), terms from 1 month up to 3 years, minimum 5,000 CZK processing fee, and no penalties on early repayment. Designed for Czech self-employed individuals, SMEs, and beginning entrepreneurs needing funds for property, projects, working capital, debt restructuring, enforcement, or insolvency proceedings.

Quantifiable outcome

• Loan approval and processing in 2-7 working days
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• MONETA Money Bank: Czech retail and SME bank serving consumers and small businesses with consumer credit and mortgage products. Competes with EXPRESS MONEY for the same borrowers but offers a broader banking product set and lower interest rates.
• Air Bank: Czech consumer-focused bank with digital-first approach offering consumer loans and mortgages. Comparable as a Czech consumer credit provider competing for the same borrower base as EXPRESS MONEY.
• Cofidis: European consumer credit specialist operating in Czech Republic, offering installment loans and credit products. Comparable as an established non-bank consumer lender serving the same end-customer segment with similar products.
• CREDITAS: Czech bank offering consumer credit, mortgages, and SME financing secured by real estate. Comparable in serving similar Czech borrowers seeking real estate-secured financing, though with a broader product portfolio.

Direct peers

• Profi Credit Czech: Czech subsidiary of Profi Credit Group, a leading CEE non-bank consumer lender. Offers consumer loans and credit products to borrowers underserved by banks in similar fashion to EXPRESS MONEY's segment.
• Home Credit Group: Czech-founded non-bank consumer lender operating across CEE, providing consumer credit including real estate-secured products. Closest comparable in business model (non-bank consumer lending with property collateral) and Czech market presence.
• Provident Financial: UK-based non-bank consumer lender specializing in home-collected credit and online consumer loans to underserved borrowers. Comparable in business model (non-bank lender serving credit-thin consumers with flexibility), though operating in a different geography.

Emerging players

• Zonky: Czech P2P lending platform connecting individual lenders with consumer and SME borrowers. Competes with EXPRESS MONEY for the alternative-credit Czech borrower segment using a different distribution model.

Regional players

• AKCENTA: Czech-based financial services company operating in payments and lending across CEE. Comparable as a regional non-bank player in the Czech financial services market.
• AB Finanční služby: Czech non-bank financial services provider offering consumer credit and lending products. Operates in similar niche to EXPRESS MONEY as a smaller domestic non-bank lender serving Czech consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/express-money

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 EXPRESS MONEY s.r.o.