Advanced & Corporate Financing
A chess game
with banking
methodologies
A real investor doesn't ask "how much will you lend me?" — they ask how to build a structure to finance more and more properties. A different discipline begins here.
The investor's journey
5 phases of advanced financing
Each phase breaks the current ceiling and moves you to a higher level. Phases can overlap — depending on your specific situation.
1Horizon: Now
Standard credit rating — what's possible right now
- Income vs. expenses: We take your income and expenses and calculate what the bank will lend you right now — no waiting, no preparation.
- Maxing out your ID number: We find the bank that lends the absolute maximum. Exceptions allow monthly income to be loaded up to 70%.
- Unsecured loans: Large building-savings loans without a bank lien — the acquired flats immediately serve to leverage further.
up to 20 mil. CZK
2Horizon: 3–6 months
Rents and turnover-based pre-approved loans
- Rents as income: Flats from phase 1 are rented out. Banks recognise up to 70% of net rent — credit rating rises again and doors open to more loans.
- Turnover mortgages: Selected banks don't examine net profit from your tax return — they look at credit turnover on accounts. Properly set up in 3–6 months, they generate pre-approved frames of tens of millions.
- Cash Buyer tactic: Pre-approved funds = entering the market as a cash buyer. Fast purchase, instant discount, refinanced with a 30-year loan.
+another 10 mil. CZK
3Horizon: 6–12 months
Engaging sole trader and IČO structures
- Sole trader ID as a tool: Once a sole trader or trade licence exists for at least 6–12 months (ideally after the first tax return), new products and methodologies open up.
- Specific professions: For IT and software production, banks have special highways — even with a short history, large loans are achievable practically just on invoicing.
- Dead capital: Releasing liens from existing properties — up to 70% of value back to your account without needing to sell.
+more options
4Horizon: 24 months
Corporate financing via S.R.O.
- Transition to S.R.O.: Banks require 24 months of history and positive results. The company matures — and frames of up to 30 million CZK open up.
- Cutting off personal registers: Corporate debts don't reflect into BRKI/NRKI. You separate personal life from business — personal credit rating stays clean for further phases.
- Maturity up to 30 years: Corporate mortgages with exceptional maturity, where the bank cares mainly about property yield and collateral — not your personal credit rating.
up to 30 mil. CZK
Credit potential of the system
Exponential growth of financing across phases
~10 mil.
~20 mil.
~35 mil.
~50 mil.
60 mil.+
1. Standard credit rating — what's possible right now
Credit rating
2. Rents and turnover-based pre-approved loans
+ Rents
3. Engaging sole trader and IČO structures
+ Sole trader
4. Corporate financing via S.R.O.
+ S.R.O.
5. Synergistic sum of all phases at once
Synergy
5Combination phase — uncapped
Synergistic sum of all phases at once
- Sum of all limits: Phase 5 adds up everything built in previous phases — personal rating, sole trader, S.R.O. — and adds extra income from rentals of corporate properties.
- Key principle: Corporate loan instalments don't reflect into personal credit rating, but rental income from corporate flats does. A clean positive effect on total limit.
- No ceiling: This phase has no defined ceiling — it only depends on how far the client wants to go and how many properties they want in the structure.
- Five-year plan: With clients we work with long-term, we talk about portfolios of 60 million CZK and above. And the number keeps growing.
10 mil. CZK and more
1
Standard credit rating — what's possible right now
Horizon: Now
up to 20 mil. CZK
- Income vs. expenses: We take your income and expenses and calculate what the bank will lend you right now — no waiting, no preparation.
- Maxing out your ID number: We find the bank that lends the absolute maximum. Exceptions allow monthly income to be loaded up to 70%.
- Unsecured loans: Large building-savings loans without a bank lien — the acquired flats immediately serve to leverage further.
~10 mil.
Credit rating~10 mil.
2
Rents and turnover-based pre-approved loans
Horizon: 3–6 months
+another 10 mil. CZK
- Rents as income: Flats from phase 1 are rented out. Banks recognise up to 70% of net rent — credit rating rises again and doors open to more loans.
- Turnover mortgages: Selected banks don't examine net profit from your tax return — they look at credit turnover on accounts. Properly set up in 3–6 months, they generate pre-approved frames of tens of millions.
- Cash Buyer tactic: Pre-approved funds = entering the market as a cash buyer. Fast purchase, instant discount, refinanced with a 30-year loan.
~20 mil.
+ Rents~20 mil.
3
Engaging sole trader and IČO structures
Horizon: 6–12 months
+more options
- Sole trader ID as a tool: Once a sole trader or trade licence exists for at least 6–12 months (ideally after the first tax return), new products and methodologies open up.
- Specific professions: For IT and software production, banks have special highways — even with a short history, large loans are achievable practically just on invoicing.
- Dead capital: Releasing liens from existing properties — up to 70% of value back to your account without needing to sell.
~35 mil.
+ Sole trader~35 mil.
4
Corporate financing via S.R.O.
Horizon: 24 months
up to 30 mil. CZK
- Transition to S.R.O.: Banks require 24 months of history and positive results. The company matures — and frames of up to 30 million CZK open up.
- Cutting off personal registers: Corporate debts don't reflect into BRKI/NRKI. You separate personal life from business — personal credit rating stays clean for further phases.
- Maturity up to 30 years: Corporate mortgages with exceptional maturity, where the bank cares mainly about property yield and collateral — not your personal credit rating.
~50 mil.
+ S.R.O.~50 mil.
5
Synergistic sum of all phases at once
Combination phase — uncapped
10 mil. CZK and more
- Sum of all limits: Phase 5 adds up everything built in previous phases — personal rating, sole trader, S.R.O. — and adds extra income from rentals of corporate properties.
- Key principle: Corporate loan instalments don't reflect into personal credit rating, but rental income from corporate flats does. A clean positive effect on total limit.
- No ceiling: This phase has no defined ceiling — it only depends on how far the client wants to go and how many properties they want in the structure.
- Five-year plan: With clients we work with long-term, we talk about portfolios of 60 million CZK and above. And the number keeps growing.
60 mil.+
Synergy60 mil.+
Total portfolio potential
with long-term cooperation in a five-year plan
60 mil. CZK+
What the consultation delivers
You leave the consultation
with a bulletproof plan
No universal template. Your path is shaped by what you have available right now — and by where you want to go.
Excel portfolio model
Calculations of your future portfolio, asset growth, instalments and a realistic 10-year cash flow — concrete numbers for your situation.
Step-by-step timeline
What to do now, what in 3 months and what in 2 years. Concrete steps in a concrete order — not generic advice.
Connection to the execution team
I'll hand you over to a mortgage specialist who executes the strategy exactly to plan. You don't have to worry about the rest.
First step
Ready to play
differently from the rest?
Book a strategic consultation and find out which phase your situation belongs to — and how far we can go together.
Book a consultationThe consultation is paid and has a concrete output. Not a sales meeting.
Legal information
Mandatory information about the service provider
Form of business
As Regional Director for OVB Allfinanz, a.s. I provide intermediation of financial products.
Description of activities and services
We provide intermediation of financial products including mortgages, investment advisory and strategic financing of investment portfolios. Our services include analysis of the financial situation, negotiation of credit terms with banks, legal support and complete administration related to real estate financing.
Personal data processing (GDPR)
Information on the processing of personal data and fulfilment of the information obligation pursuant to Art. 13 of the GDPR can be found in the Privacy Policy
Information on incentives
In accordance with applicable legal regulations, we will provide you with information on incentives that may influence the advice provided upon request.
Complaints procedure
Pursuant to § 13 of Act No. 634/1992 Coll. on consumer protection, the seller is obliged to properly inform about the scope, conditions and manner of exercising rights from defective performance. Complaints can be filed in writing to the registered office address or electronically to the e-mail address listed in the contacts.