K&H Business Activity Loan

a long-term all-purpose loan to let your business grow

  • available without own contribution of the borrower
  • no need to verify the use of the loan with invoices
  • tangible collateral not required
K&H Business Activity Loan


purpose of the loan
any purpose related to your business – without the verification of utilization

  • fund the expansion of your business


loan amount
  • at least HUF 1 million
  • not more than HUF 25 million

own contribution
own contribution is not required to use the credit facility

  • at least 1 year + 1 day
  • not more than 7 years

grace period
not more than 3 months calculated from the end of the commitment period

The fees and commissions charged by the Bank in connection with lending are included in our Announcement for Corporate Clients.

Under certain conditions the K&H Bank may ask for the involvement of a free-of-charge COSME Portfolio Guarantee in addition to strengthen the collateral security.  COSME guarantees are issued by the COSME (Competitiveness of Enterprises and Small and Medium-sized Enterprises) Programme and the European Fund for Strategic Investments (EFSI) in the framework of the European Investment Plan. EFSI’s mission is to facilitate the financing and implementation of strategic investments in the European Union and to prevent disruptions in financing.

For more information about the COSME Portfolio Guarantee Facility, visit:

COSME Portfolio Guarantee

who might be interested?

micro businesses that need funds of unrestricted use to grow 

tailored to your needs

  • wide range of loan purposes
  • duration, grace period (if any) and instalment amounts tailored to your business’s needs
  • opportunity to improve your competitiveness thanks to the development of your business with the loan 

good to know before you make up your mind

  • the K&H Business Activity Loan has been designed for micro businesses
  • the interest rate is set on an individual basis 

the K&H Business Activity Loan is fast and easy to apply for:

  • we don’t look into your business plan; no specific purpose has to be defined
  • you don’t have to submit any invoices
  • no own contribution is required

the K&H Business Activity Loan has many uses:

  • to finance operating and development costs
  • to refinance existing debt

predictable and long-term solution:

  • durations of up to 7 years; lump-sum draw-down
  • repayment and duration tailored to your needs
  • prepayment is possible according to the relevant provisions of K&H Bank’s General Contractual Terms and Conditions for Active Corporate Banking Services (Credit, Loan, Bank Guarantee, Letter of Credit, Bills of Exchange and Financial Leasing deals)
This material does not constitute an offer. The Bank reserves the right to modify the terms and conditions. A detailed description of the product and its terms and conditions can be found in the relevant Contract, the General Contractual Terms and Conditions for Active Corporate Banking Services (Credit, Loan, Bank Guarantee, Letter of Credit, Bills of Exchange and Financial Leasing deals), in K&H Bank’s General Terms and Conditions, and the Announcement for Corporate Clients. K&H Bank will decide on the credit facility amounts and the availability thereof as well as on the collateral required at its sole discretion, in accordance with its own policies.