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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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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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Moratorium for All Clients Extended

Since the business of Croatian entrepreneurs is still affected by the COVID-19 pandemic, HBOR has extended the duration of moratorium. Moratorium for activities in tourism...

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WORKING CAPITAL FOR RURAL DEVELOPMENT – LOANS AT 0.5% INTEREST AND NO FEES

As a result of cooperation between the Ministry of Agriculture and HBOR, a new financial instrument called Working Capital for Rural Development has been launched...

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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

15.06.2020.

News

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

23.04.2020.

News

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

09.04.2020.

News

VIŠE OD 1,2 MLRD KUNA ZA LIKVIDNOST UZ KAMATNU STOPU NIŽU ZA 0,75 p. b.

Further Benefits under Working Capital Loans

08.04.2020.

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.

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.