A micro, small or medium-sized enterprise

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 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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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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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 fovourable conditions, with a possibility of a write-off of up to 50% of loan principal for financially sustainable investments contributing to boosting productivity and competitiveness and the goals of digital transformation of business and enterprises.

 
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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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Financing of foreign buyers of goods and services (except for consumer goods) pursuant to the rules determined by the OECD Consensus. Benefits for exporter: collection of payment for export transaction immediately upon delivery, payment to the account of exporter in the currency of export contract, loan is repaid by bank/buyer abroad, increase in liquidity of exporter, avoidance of risk of collecting payment for export transaction.
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Loans intended for exporters that sell on credit terms for the export of goods and services, except for consumer goods, pursuant to the rules determined by the OECD Consensus.
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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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1. Borrowers Private sector business entities, where entities subject to income tax (except for primary agricultural producers) must meet all of the following requirements: At least 10% share of capital and reserves in the balance sheet liabilities Profit has not been paid out in the last two business years (including the retained...
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The Temporary Measure for Enterpreneurs in Wood Processing and Furniture Production Industry for loans under the Private Sector Investment and Working Capital loan programmes with an interest rate subsidy for the entire duration of the loan and co-financing of the loan ensurance premium, in accordance with state aid regulations.
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Issuance of performance-related bank guarantees to domestic entrepreneurs for the purpose of participating in tenders and entering contracts for the supply of goods, works and services in the domestic market.
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A Documentary Letter of Credit is a bank’s international payment instrument by means of which a certain amount of money is made available to a Beneficiary (Seller) by an Applicant (Buyer) through a Bank that becomes payable after certain terms have been met. Documentary Letter of Credit: Applicant (Buyer) - goods/services at disposal as...
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If you are a small or a medium-sized entrepreneur and if your annual income from exports amounts to up to EUR 2.5 million, under this insurance programme, you can insure the risk of non-payment by your foreign buyer with whom you have arranged for up to 180-day deferred payment. The subject matter of insurance are money receivables arising from...
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If you are an exporter of capital goods or services or if you perform construction works abroad, and the buyer requires, as a basic condition for concluding an export contract, sale of goods or performance of services with deferred payment, you can enter into an insurance contract with HBOR that provides coverage against non-payment of your...
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If you produce goods on a special order from a foreign buyer that cannot be sold to another buyer, you can protect yourself also against the risk of losses during the production. In such a case, you are insured against the inability to fulfil an export contract caused by the foreign buyer’s termination or the occurrence of political risk...
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Acting as an insurer for and on behalf of the Republic of Croatia, HBOR offers, under existing export credit insurance programmes, also Quota Reinsurance Programme providing cover for short-term export receivables against non-marketable and temporarily non-marketable commercial and political risks as a measure of export promotion. The Quota...
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If you are an exporter of capital goods and/or services whose commercial bank grants a loan to the foreign buyer for the purchase of your goods and services, you can enter into an insurance contract with HBOR that provides coverage for the collection of export receivables. Advantages of an insurance policy A loan is directly granted to the...
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If you are, as an exporter, confronted with the need for guarantees issued in favour of your foreign buyers as a condition for entering into or performing export contracts, and if you are at the same time not able to offer usual or sufficient collateral to your bank required for the issuing of a guarantee, you can enter into a contract with HBOR...
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If you are an exporter or plan to export, and you need a loan for the financing of your current business operations (e.g. purchase of raw materials and production materials, settlement of obligations towards suppliers, labour costs etc.), you can obtain from your bank quickly and more easily a working capital loan in the amount of up to EUR...
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If you are a direct or an indirect exporter or plan to export, and you need a loan for the financing of your liquidity, you can ask your bank for approval of such a loan, with repayment coverage of up to  80% of loan principal under the Programme for Insurance of Exporters’ Liquidity Loan Portfolio (hereinafter: Insurance Programme)....
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1. Eligible beneficiaries Private sector business entities - companies, crafts businesses, sole traders, family farms, cooperatives and institutions as follows: micro, small and medium-sized business entities mid-cap entities. Public sector business entities - units of local and regional government (municipalities, cities and counties -...
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