Unhošť, a small town in Czechia, needed to almost double its primary school from eight to eighteen classrooms — adding barrier-free access and cutting energy use — at a time when no suitable grant was available. We built scenario-based financial models, assessed the town’s debt capacity and project risks, defined the parameters of the investment loan, and designed a transparent bank-selection process supported by a lender information memorandum. The study confirmed the borrowing was sustainable even under conservative assumptions and equipped the council to approach banks from a position of strength.
