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HBOR

Urban Development Fund

A possibility of write-off of up to 50% of loan principal amount
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Production Modernisation Loans

Possibility to write off up to 50% of loan principal for modernisation, digitalisation and increased productivity of companies
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Alternative ways of funding

Private Equity Funds

HBOR encouraged the establishment of the largest start-up fund and new private equity funds
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The Largest Investments in Education in Karlovac County Launched with Support of HBOR
24.03.2025.

The Largest Investments in Education in Karlovac County Launched with Support of HBOR

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The ESI Framework Loan Programme for the Purpose of Granting Loans to Newly Established Companies Continued
24.03.2025.

The ESI Framework Loan Programme for the Purpose of Granting Loans to Newly Established Companies Continued

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HBOR
24.03.2025.

HBOR's Alternative Investment Funds Investment Programme

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HBOR Joined PCAF Initiative for More Transparent and Responsible Financing
20.03.2025.

HBOR Joined PCAF Initiative for More Transparent and Responsible Financing

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How to get a loan

Start from our web page

Select the loan programme that suits you best depending on whether you need to finance investment or working capital, whether you require restructuring or funding for a project to be co-financed from the EU funds.

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Select the manner of application submission

Check whether the selected loan programme is implemented through commercial banks or also directly by HBOR. The loan terms and conditions for you are the same!

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General eligibility criteria

The General Eligibility Criteria define the general characteristics, restrictions and special features that apply to lending for projects/clients under the loan programmes. General eligibility criteria

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Submit the loan application

Loan application documentation, collateral and other documentation necessary for loan approval are submitted at the location where the loan is negotiated: in a commercial bank or at HBOR (online, by post or in person).

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Useful information

The Guide for Entrepreneurs for investment loans is intended for entrepreneurs with the aim of guiding them when submitting an application for an investment loan, whereas more information can be found at the following links:
Frequently Asked Questions: Lending
Frequently Asked Questions: Lending under NRRP

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News

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03.03.2025.

Representatives of the Kenya Development Corporation, the National Treasury of Kenya, and the World Bank in a working visit to HBOR

On Friday, 28 February 2025, the Croatian Bank for Reconstruction and Development (HBOR) hosted a delegation from the Kenya...
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10.06.2024.

HBOR's representatives at Lider Financial and Investment Forum

HBOR’s representatives: Hrvoje Čuvalo, President of the Management Board, and Hrvoje Galičić, Advisor to the Management...
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04.06.2024.

Alan Herjavec, Member of the Management Board of HBOR participated in the conference Next Level Croatia – Regional Development of Croatia

Within the framework of the conference „Next Level Croatia - Regional Development“, Alan Herjavec, Member of the
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16.05.2024.

Delegation of the Republic of Croatia at the Annual Meeting of the European Bank for Reconstruction and Development (EBRD)

The delegation of the Republic of Croatia participated in the Annual Meeting of the European Bank for Reconstruction and...
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