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HBOR - Homepage

COVID - 19 measures

Favourable liquidity loans and insurance policies as collateral
Moratorium, rescheduling of existing obligations towards HBOR
Interest rates as low as 0% on HBOR's sources, assuming of up to 90% of loan repayment risk
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WORKING CAPITAL FOR EXPORTERS AT 0.8% INTEREST AND UP TO 3-YEAR REPAYMENT

Business entities generating at least 10% of operating income from exports offered working capital loans at 0.8% interest and up to 3-year repayment without application...

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LOANS FOR PUBLIC SECTOR PROJECTS AT 1.1% INTEREST

The interest rate for investments of local and regional government units (LRGUs), institutions and agencies majority-owned by them in supported areas has been reduced to...

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Technology Transfer Platform Worth EUR 40 million Established by HBOR, SID BANK and EIF

Ljubljana, 26 July 2021 – The Croatian Bank for Reconstruction and Development (HBOR), the European Investment Fund (EIF) and SID Bank, the Slovenian export and...

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HBOR and EIB signed EUR 50 million Guarantee Agreement for faster COVID-19 recovery of Croatian mid-caps and large companies

This Guarantee Agreement provides support to Croatian mid-caps and large corporations to finance recovery from the COVID-19 pandemic; The credit line is created under the...

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news and events

EGF Guarantees to HBOR unlock fresh €50m for faster COVID-19 recovery of Croatian SMEs and small mid-caps

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HBOR HOSTED THE THREE SEAS INITIATIVE INVESTMENT FUND MINI-CONFERENCE

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EIB and EIAH support HBOR in providing advisory services for the public sector

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how to get loan?

step 1/8

Start from our web page

Select the loan programme which suits you best, depending on whether you need to finance an investment, working capital, require restructuring or investment co-financed out of the EU funds.

step 2/8

Select the manner of application submission

Check whether the selected loan programme is implemented only through commercial banks or directly via HBOR. Loan terms and conditions for you are equal.

step 3/8

Submit the loan application

The application is to be submitted where you arrange a loan.

step 4/8

Assessment of loan application

Loan application is processed after the receipt of entire documentation through financial, technical and legal assessment.

step 5/8

Loan application decision

Decision on approval is made by the Credit Committee or the Management Board of HBOR depending of the amount of the loan.

step 6/8

Signing of the Contract and fulfilment of conditions precedent

When the decision on loan approval has been made, the Loan Contract is prepared, in which all terms and conditions of approval, disbursement and repayment of the loan will be defined.

step 7/8

Loan disbursement

Loan disbursement is made on the basis of the Request for loan disbursement. Request for loan disbursement has to be accompanied by issued invoices of suppliers/contractors.

step 8/8

Loan repayment

The repayment is made in accordance with the repayment plan that you will receive upon the expiry of the loan disbursement period.