How to finance a fabric-covered hall (practical information)

When financing makes sense (and when it doesn't)

Financing typically pays off when a warehouse addresses an immediate capacity need, but a one-time investment would limit operations.

The most common scenarios:

• rapid increase in storage capacity (logistics, e-commerce, manufacturing),
• seasonal peaks (agriculture, construction, service),
• expansion of production or service without waiting for the next investment period.

When is it better to consider an alternative:

• if you only need a solution for a short period (weeks to a few years) → renting often makes sense,
• if the absolute lowest total price is key for you and cash is not a constraint → purchase

What can usually be included in financing

Hall and tent projects are not just about the "structure." The price (and therefore the financing) typically includes:

• hall/tent including specifications (dimensions, eave height, type of cladding),
• accessories (doors, side curtains, lighting, etc.),
• assembly and related delivery according to the offer.

Practical note: the more detailed the offer, the faster the calculation and application can be prepared.

How installment financing works in practice

The specific parameters vary depending on the product and approval by the provider, but the following is essential for the customer:

• repayment period (typically 24–60 months),
• down payment (how much is paid in advance),
• monthly payment, and total increase.

It is good to communicate two layers on the website:

1. generally, that you set the repayments to suit your needs,
2. current promotion, if applicable (and has fixed numbers).

Quick payment calculation: price incl. VAT × coefficient

A simple indicative method is often used for special offers:

Monthly installment (approximate) = sales price incl. VAT × coefficient (%) according to the repayment period

Overview of coefficients for the current special offer (according to the flyer)

24 months: installment 3.58% of the price incl. VAT (total increase 6%)
36 months: installment 2.47% of the price incl. VAT (total increase 9%)
48 months: installment of 1.92% of the price incl. VAT (total increase of 12%)
60 months: installment of 1.58% of the price incl. VAT (total increase of 15%)

Down payment: 20%.

Minimum financing amount for this promotion: from CZK 400,000.

Specific example (to make it clear)

Example of sales price: CZK 1,000,000 incl. VAT
Down payment 20% = CZK 200,000 in advance.

Approximate installments:

24 months: CZK 1,000,000 × 3.58% = CZK 35,800/month.
36 months: CZK 1,000,000 × 2.47% = CZK 24,700/month.
48 months: 1,000,000 × 1.92% = CZK 19,200/month.
60 months: 1,000,000 × 1.58% = CZK 15,800/month.

Note for VAT payers: some models assume that VAT payers claim VAT deductions after delivery (we recommend checking with your accountant/tax advisor based on your specific situation).

What to watch out for (so that customer expectations do not clash with reality)

It is important to state this fairly but briefly:

• The calculator and flyer are for guidance only – final installments and terms will be confirmed after approval.
• Promotions usually have limits (minimum amount, down payment, time limit).
• Approval is always individual (creditworthiness, form of business, documents).

How to speed up approval and the entire process

When a customer sends an inquiry, you can save the most time by providing the following information right away:

• purpose (warehouse/production/service/seasonal operation),
• dimensions + required height,
• location and deadline,
• whether accessories and installation should be included in the price.

Result: faster quote, faster calculation, faster decision.

If you are unsure, we will recommend the most suitable option for your scenario.