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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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You are

A micro, small or medium-sized enterprise

If you are thinking about starting or expanding a business, making new investments or entering new markets, it is time to step forward!
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A large enterprise

If you are planning larger investments or stepping into international markets, access to capital is crucial for the realisation of your goals!
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A public sector entity

If you are developing projects that change the space and quality of life of the community, let us make them real without delay!
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Featured

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Warning of Possible Fraudulent Activities
19.03.2026.

Warning of Possible Fraudulent Activities

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HBOR Presented New Energy Efficiency Loans for Entrepreneurs
10.03.2026.

HBOR Presented New Energy Efficiency Loans for Entrepreneurs

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Strategic Investment in the Focus of Croatia
03.02.2026.

Strategic Investment in the Focus of Croatia's Presidency of the Three Seas Initiative

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New Measure for Entrepreneurs in the Wood-Processing Industry Launched by HBOR and the Ministry of Agriculture, Forestry and Fisheries
01.12.2025.

New Measure for Entrepreneurs in the Wood-Processing Industry Launched by HBOR and the Ministry of Agriculture, Forestry and Fisheries

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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.

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!

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

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).

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

News

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13.11.2025.

Alan Herjavec Participated in the First Economic Forum of the University of Zagreb

The First Economic Forum of the University of Zagreb was held under the title "Competitive and Resilient...
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21.10.2025.

Hrvoje Čuvalo Re-Elected Member of IDFC Steering Group

Hrvoje Čuvalo, President of HBOR’s Management Board, participated in the Annual Meeting of the International Development...
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29.09.2025.

Alan Herjavec Re-Elected to the Management Board of ELTI

At the General Assembly of the European Long-Term Investors Association (ELTI) held on 26 September 2025 in the Netherlands that...
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23.05.2025.

HBOR Joined the European Association of Guarantee Institutions (AECM)

The Croatian Bank for Reconstruction and Development (HBOR) has become an associate member of the European Association of...
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