A public sector entity

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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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 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 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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HBOR continues to implement the three-year pilot project for financing entrepreneurs in the earliest stages of development that was launched last year. Under the aforementioned project, the Programme for Granting of Framework Loans to Entrepreneurial Support Institutions for the Purpose of Granting Loans to Newly Established Companies and a new...
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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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From the funds of the National Recovery and Resilience Plan (NRRP), HBOR, for and on behalf of the Republic of Croatia, implements the Financial Instrument of Guarantee Fund for Loans to Mid-Caps and Large Enterprises within the framework and on the terms and conditions of this programme. The objective of the Financial Instrument is to facilitate
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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 an exporter and have agreed, with the foreign buyer, the deferral of payment of up to 1 year, exceptionally up to 2 years, you can arrange an insurance policy for your short-term export receivables with HBOR and protect yourself against commercial and political risks. Commercial risks are delay in payment by the foreign buyer or...
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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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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 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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