Széchenyi Card Program MAX+

The aim of the Széchenyi Card Program MAX+ is to enable micro, small, and medium-sized enterprises to access funding quickly and easily, under favorable conditions and with low borrowing costs, thanks to a high level of government support.

Széchenyi Card Overdraft MAX+, Széchenyi Tourism Card Overdraft MAX+, Széchenyi Liquidity Loan MAX+, which help bridge temporary liquidity gaps. Their purpose is to ensure financial flexibility and maintain stable operations.
Széchenyi Investment Loan MAX+ and Széchenyi Agricultural Investment Loan MAX+, which are designed to finance business development and investment needs in a long-term and appropriate structure, thereby encouraging investment activity and supporting the company’s competitiveness.

The products of the Széchenyi Card Program MAX+ are available to Hungarian micro, small, and medium-sized enterprises that, provided they meet the application requirements, wish to access fast and low-cost financing under favorable conditions and with significant government support.

Basic eligibility criteria for the applicant company:

• must qualify as a Hungarian-registered micro, small, or medium-sized enterprise,
• must not be under bankruptcy, liquidation, or winding-up proceedings,
• must not have overdue public debts or overdue loan liabilities,
• must comply with the additional conditions set out in the relevant Széchenyi Card Program Business Regulations. The business regulations of the Széchenyi Card Program are available on the KAVOSZ website.

You can apply for loan products available under the Széchenyi Card Program MAX+ as follows:

1. Visit any of our bank branches, where we will assist you in completing the application documents.
   
   Branch Locator
2. Visit any KAVOSZ registration office with the completed documentation.
   
   Find a Registration Office
3. Once we receive your loan application from the registration office, and following a successful credit assessment, we will conclude the contract with you.

Several loan types are available under the Széchenyi Card Program MAX+, each with different maximum loan amounts and maturities:

The loan products available under the Széchenyi Card Program MAX+ are supported by the following government subsidies, which significantly reduce the financing costs of eligible enterprises.

• Interest rate subsidy: Instead of market-based interest rates, thanks to government support, enterprises pay a fixed interest rate of 3% per annum for the entire loan tenor. (In the case of the “GREEN” investment sub-program, the interest rate is a fixed net 1.5% per annum.)
• Management fee subsidy: 0% management fee throughout the loan tenor.
• Guarantee fee subsidy: The State partially assumes the guarantee fee charged by Garantiqa Hitelgarancia Zrt., resulting in only a minimal residual cost for the enterprise.