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COVID - 19 measures

Moratorium, rescheduling of existing loan obligations towards HBOR, new favourable loans for liquidity
Portfolio insurance policies as collateral for loan approval
Interest rates from 0% on HBOR's sources
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EIB and HBOR unlock EUR 142.5 million credit line for Croatian SMEs

EIB and HBOR create a new EUR 142.5 million credit line to support faster recovery of Croatian SMEs from COVID-19; The credit line supports SMEs...

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The EIB and HBOR agree on Covid-19 recovery package for Croatian SMEs and MidCaps

The EIB will contribute with EUR 100 million worth agreement that will support Croatian SMEs and MidCaps Whole value of this support will be dedicated...

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Investment in three equity funds

Up to EUR 205 million of investments in SMEs and mid-caps (up to 3,000 employees) will be unlocked The European Investment Fund (EIF) and the...

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Interest Rates as Low as 0% and Insurance of 50% of Loan Amount

Entrepreneurs have access also to favourable HBOR's funds for financing liquidity that are approved in cooperation with commercial banks or directly to entrepreneurs in separate...

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news and events

Više od 5,2 milijarde kuna kredita za likvidnost uz HBOR-ovo osiguranje

Insurance of Higher Amounts of Export Turnover at Lower Prices

News

ERSTE BANKA AND HPB – EASIER LOAN APPROVAL WITH HBOR PORTFOLIO INSURANCE

News

The European Commission confirmed HBOR’s portfolio insurance scheme for liquidity loans

News

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.

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Loan repayment

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