Loans programs

Borrowers Private sector business entities in the category of micro, small and medium-sized enterprises: companies, crafts businesses, family farms, cooperatives and producer organisations or other legal entities that are actively engaged in primary agricultural production and/or processing. Investments carried out on the territory of the...
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Direct HBOR loans above EUR 100,000 from the funds of the National Recovery and Resilience Plan (NRRP) for micro, small and medium-sized enterprises for investments in compliance with the Do No Significant Harm principle.
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1. Borrowers Micro, small and medium private sector business entities - companies, crafts businesses, sole traders, family farms, cooperatives and institutions that are:   young entrepreneurs, start-ups, female entrepreneurs, entrepreneurs investing in the following areas: supported areas (groups I to IV by the level of development...
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Loans for investment of public sector business entities: units of local or regional government (municipalities, cities or counties) and companies, institutions and agencies owned or majority-owned by the units of local or regional government and/or the Republic of Croatia.
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Direct loans with more favorable terms and the possibility of writing off up to 50% of the loan principal for public sector investments in commercial/public infrastructure projects that, in addition to the public element, also have a certain commercial content, from the funds of the European Regional Development Fund (ERDF) and HBOR funds.
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Loans for investment in fixed assets for the purpose of business modernisation, introduction of new technologies, increase in capacities, investment in research and development and introduction of new products or services, promotion of environmental protection, energy efficiency and renewable energy resources projects, tourist capacities and facilities as well as promotion of new employment.
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Direct loans for micro, small and medium-sized enterprises from the funds of the European Regional Development Fund (ERDF) and from HBOR's sources at favourable terms and conditions with a possibility of a write-off of up to 50% of loan principal for financially sustainable investments contributing to the goals of green transition and to the quality of tourism products and services.
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Loans for private and public sector business entities that meet the requirements of the tender for grants under which they submit their applications.
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1. Borrowers Private and public sector business entities (entities owned or majority-owned by the units of local or regional government and/or owned and/or majority-owned by the Republic of Croatia), where income taxpayers (except primary agricultural producers) must meet all of the following requirements: At least 10% share of capital and...
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Pre-shipment export finance until collection (purchase of raw materials, production materials, semi-products, settlement of obligations towards suppliers, labour costs and other current expenses) and/or financing the collection of payment for an export transaction.
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Temporary measure under the loan programme Working Capital for the financing of current operations and settlement of liabilities towards suppliers, intended for business entities that can prove to have difficulties in operations caused by the effects of the Russian aggression against Ukraine based on the criteria for the assessment of the crisis effects. Application until 31 December 2022 (loan contract to be executed no later than until that date) or until the available funds have been disbursed in full.
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Borrowers Private sector business entities in the category of micro, small and medium-sized enterprises: companies, crafts businesses, family farms, cooperatives and producer organisations or other legal entities that are actively engaged in primary agricultural production and/or processing. Investments carried out on the territory of the...
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Temporary framework measure in cooperation with 6 commercial banks for the financing of current operating expenses (so-called idle mode), purchase of raw materials and settlement of obligations towards suppliers (except for loan obligations towards commercial banks and other financial institutions). Intended to micro, small and medium-sized companies as well as mid-cap companies that can prove negative consequences of the COVID-19 pandemic on their business operations.
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Loans for the financing of current business operations (e.g. purchase of raw materials, production materials, semi-products, small inventory, settlement of obligations towards suppliers, labour costs, general current operating expenses), settlement of short-term obligations towards financial institutions, the state and settlement of other short-term obligations, excluding the repayment of debt to the owner, related entities and other third persons, with the maximum repayment period of up to 12 months.
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