Capital,
accounted for.
MORAVIAN INVESTMENT COMPANY a.s. structures lending with the discipline of a ledger and the judgment of a long-term partner. Every facility is documented, explained, and built to be understood — not deciphered.
Three facilities, plainly stated.
No product catalogue. No upsell ladder. Three financing structures, each with the terms visible from the first conversation — because a facility you cannot fully explain is a facility you should not sign.
Working Capital Lines
Revolving facilities sized to the receivables cycle rather than a generic template. Draw and repay as the business breathes, with limits reviewed as the order book grows.
Asset-Backed Facilities
Commercial property, plant equipment, and fleet financing with tenors aligned to the useful life of the asset. Valuation, legal perfection, and disbursement handled by one manager.
Bridge & Acquisition Finance
Short-dated capital for transactions where timing decides the outcome. Daily interest, no early-exit penalty, and a documented path to permanent refinancing from day one.
What the numbers actually say.
Four reference points we return to in almost every structuring conversation. They are not marketing statistics — they are the arithmetic of borrowing well.
Half a percentage point on a €250,000 facility over seven years equals roughly €8,750 in extra interest. One hour of rate negotiation repays itself many times over.
Most SME defaults trace back to mismatched repayment schedules, not headline rates. A facility that fits the cash cycle prevents more failures than a lower rate ever will.
Buyers with pre-arranged financing close roughly four times more often in competitive acquisition processes. Readiness is a strategic asset, not a back-office chore.
Every Moravian facility ships with a plain-language term summary alongside the legal documents. If any condition cannot be explained in one page, we rewrite it.
Lending should read like a well-kept ledger.
Every figure traceable to its source. Every condition written where you can find it. Every fee disclosed before signature, not after.
We founded Moravian Investment Company because we were tired of watching capable businesses sign facilities they could not fully explain to their own boards. That should never be the price of growth.
Four steps, each documented.
You will never wonder what stage your application is at, or what we are still waiting for. The process is short, and every stage ends with something in writing.
Conversation
A 20-minute call to understand the financing need, timeline, and constraints. No commitment, no documents required yet.
Indicative Terms
A written term sheet within 24 hours: amount, rate, tenor, and conditions — complete enough to take to your board.
Underwriting
Financials, collateral, and structure reviewed together. Most decisions are issued within 48 hours of complete documentation.
Disbursement
Legal formalities completed and funds released on the agreed schedule, with a plain-language summary of final terms.
Write to Moravian.
Response within one business day
Olomouc, Olomoucký kraj
779 00, Czech Republic
Moravian Client App
Review term sheets, track drawdowns, and manage repayment schedules from a single dashboard. Built for borrowers who like their figures in order.