Bonds Secured by Real Estate Collateral
e-Finance CZ Group, a member of the real estate investment group e-Finance Group, introduces to the market bonds with a high annual yield secured by collateral rights on the entire exclusive Račice Castle estate comprising land over 50,000 m2, properties, and the Račice Castle itself.
The company e-Finance CZ Group now offers a new issue of secured bonds that provide an annual yield of 9%, 8%, and 7%. This attractive investment opportunity allows bondholders to participate in the profits generated from the extensive real estate portfolio owned by e-Finance Group
Why e-Finance?
According to the audited financial statements for the period 2024
for income properties
external sources on the value of the portfolio
on the investment property market
from bonds for the public
After the implementation of planned investments
commercial and residential properties
Annual yield
Secured bonds with a lien on real estate with a yield of up to 9%
Investment due on 1st October 2028
- investment from 50,000 CZK
- annual interest 9% for the first yield period (1st October 2025 to 31st October 2026)
- annual interest 8% for the second yield period (1st November 2026 to 31st October 2027)
- annual interest 7% for the third yield period (1st November 2027 to 31st October 2028)
- bonds are secured by properties of Račice Castle
- bond can be repaid early at any time
- the bond issuer is the business corporation e-Finance CZ Group
- information at phone 515 555 555 or by email info@e-finance.eu
How much do you want to invest?
e-Finance CZ Bonds with an Annual Interest of 9%, 8%, and 7%
The company e-Finance CZ is issuing the e-Finance CZ 69 bond series as of October 1, 2025, within the e-Finance CZ bond program. The e-Finance CZ 69 bonds can be ordered from August 8, 2025.
Interest Yield
The bonds offer a fixed appreciation of 9% p.a. for the first yield period (10/1/2025 to 10/31/2026), 8% p.a. for the second yield period (11/1/2026 to 10/31/2027), and 7% p.a. for the third yield period (11/1/2027 to 10/31/2028). The stated interest is fixed for the entire period and does not change regardless of any potential decrease in bank interest rates. The interest will be paid to the bondholder on 11/1/2026, 11/1/2027, and 11/1/2028.
Form of Bonds
The bonds are issued in paper form, registered to a name, and are freely transferable by endorsement, with the transfer not requiring approval and not incurring any fees. Subscription of the bond is also carried out without any charges.
Use of Funds Obtained from Bonds
The projects in which the Issuer intends to invest primarily include financing the plans of e-Finance Zámek Račice, s.r.o., and e-Finance Apart Hotel, s.r.o. (“Project Companies”), from the Issuer's group (“Group”), for the purpose of refinancing the acquisition of Račice Castle and Lipová Mountain Resort, reconstruction of buildings or renovation of historically valuable elements, renovation of furniture, acquisition of movable assets, operational financing, and refinancing of provided resources.
Bond Repayment
The bonds are due on 11/1/2028, with the bondholder entitled to request an extraordinary redemption with a three-month notice period.
Subscription and Purchase of Bonds
First, you conclude a contract for the subscription and purchase of bonds, then you pay the issue price of the subscribed bonds, either by transfer to the account specified in the contract or in cash (cash only up to the equivalent of 250,000 CZK), and subsequently, the bonds will be handed over to you. Bonds can also be sent by mail as insured valuable shipments. The nominal value of one bond and the minimum investment amount is 50,000 CZK. The bond subscription contract can be concluded directly at the headquarters of e-Finance CZ, a.s. in Brno at Bratislavská 234/52, by correspondence, or after filling out the order form below.
Bond Collateral
The bonds are secured by a lien on the entire exclusive area of Račice Castle, including land covering over 50,000 m2, real estate, and Račice Castle itself.
Download: Expert Opinion on Račice Castle, Castle Area, and Property
The pledged area of Račice Castle, which covers over 50,000 m2, consists of:
- THE MAIN BUILDING of the castle, where there are tour rooms and circuits (1. Piano Nobile, 2. Castle cellars and economic facilities of the castle), but also 18 rooms for guest accommodation during the main tourist season. The main building also features a magnificent courtyard.
- THE FORECASTLE, where in 2021, 3 newly renovated apartments in RETRO-LUX style were opened to the public. In 2022, the renovation of additional apartments in the same spirit is planned. The forecourt also offers tourist accommodation in 3 apartments and 6 rooms.
- THE BELL TOWER with beautiful historical bells. The bell tower is also awaiting a sensitive renovation, allowing visitors to enjoy breathtaking views of the surrounding forests.
- THE GAMEKEEPER'S LODGE, which has been completely renovated. The lodge offers 11 luxurious apartments, a restaurant with a fireplace and bar, and a sauna with a relaxation room.
- SURROUNDING FORESTS, which directly invite for hiking and cycling trips.
Approval by CNB
The base prospectus of bonds was approved by the Czech National Bank as the competent authority under Regulation (EU) 2017/1129.
Complete decision of the CNB on the approval of the base prospectus of the bond offering program
The Czech National Bank approves this prospectus only in terms of its compliance with the standards of completeness, comprehensibility, and coherence imposed by Regulation (EU) 2017/1129. This approval should not be understood as an endorsement of the quality of the securities that are the subject of this prospectus. Investors should conduct their own assessment of the suitability of investing in these securities. We recommend that potential investors read the prospectus before making an investment decision to fully understand the potential risks and returns associated with the decision to invest in securities.
Complete Information
Download: Investment Presentation of Račice Castle
Download: Expert Opinion on Račice Castle, Castle Complex, and Property
Download: e-Finance CZ 2024 Prospectus
Download: Final Terms of Bond Issue e-Finance CZ 69.pdf
The issuance conditions can also be reviewed at the issuer's headquarters at Bratislavská 234/52, Brno, where they are available free of charge in brochure form and on an electronic data carrier CD.
You can download the publication about the pledged area titled RAČICE CASTLE – ILLUSTRATED HISTORY, which was created in collaboration with the renowned architect, doc. Ing. Arch. Ivo Boháč, PhD. and his students from the Faculty of Architecture at BUT in Brno, for free HERE.
Bond pre-order
Request for information
Currently, e-Finance offers the following types of bonds:
One-year bonds with a yield of 7%
Investment due on March 1, 2027
- investment from CZK 50,000
- annual interest 7%
- one-year bonds
- bond can be repaid early at the end of the interest period
- bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Two-year bonds secured by Račice Castle with yield up to 8 %
Investment due on October 1, 2027
- investment from CZK 50,000
- annual interest 8% for the first yield period (October 1, 2025 to September 30, 2026)
- annual interest 7% for the second yield period (October 1, 2026 to September 30, 2027)
- bonds are secured by Račice Castle properties
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by Račice Castle with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by Račice Castle real estate
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by EFI Hotel & Properties shares with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by shares of the hotel and real estate group EFI Hotels & Properties, a.s.
- the bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Four-year anti-inflation bonds e‑Finance CZ
Investment due on October 1,2029
- investment from CZK 50,000
- annual interest INFLATION + 1% is paid out every year
- the bond can be repaid early at the end of the interest period
- the bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Questions and Answers
Our strategy is to invest in real estate in the Czech Republic, either to increase its value through renovation and subsequent sale, or for the purpose of holding and renting the properties. We are also involved in the development of apartment buildings and family houses. Specific projects we are working on, including photo documentation, can be found HERE.
If you find such bonds, inform the notary handling the inheritance proceedings and provide all relevant details, such as the serial numbers of the bonds. The notary will contact us, and we will provide them with all necessary information. It is possible that the bonds have already been repaid, but if they are still outstanding, we will repay the full principal and interest to the rightful heirs under the same conditions as we would have to the original owner.
Interest from the bonds is paid regardless of whether the owner is alive. If a payment is returned to us, for example due to a closed bank account, we will wait up to ten years for the owner or their heirs to contact us and request the interest and principal payout. If there are multiple heirs, the bonds will be divided among them according to the terms of the inheritance ruling.