Financing of small and medium enterprises in cooperation with leasing companies


1. Eligible beneficiaries


  • Micro, small and medium-sized enterprises according to Small Business Promotion Act, family farms and other legal entities and natural persons who perform their business activities independently
  • mid-cap enterprises (from 250 to 2999 employees), with total value of investment not exceeding 25 MEUR in national currency equivalent,
  • units of local or regional government (municipalities, cities and counties) as well as companies, institutions and agencies in their ownership or in their majority ownership,
  • companies, institutions and agencies in the ownership or majority ownership of the Republic of Croatia


Pursuant to the Conflict of Interest Prevention Act (Official Gazette of the Republic of Croatia Nos. 26/11, 12/12, 126/12, 57/15), restrictions are in force on financing of business entities whose ownership interests are owned by public officials and their family members. The provisions of these restrictions are deemed a constituent part of HBOR programmes. The full wording of the restrictions can be found at: Restrictions on Lending to State Officials.


2. Eligible purposes


  • new or used equipment,
  • machines,
  • commercial vehicles
  • personal vehicles utilised in commercial purposes or
  • vessels


3. Manner of Implementation


  • via leasing companies


4. Amount of financing and Repayment


  • Determined by leasing company


5. Interest


  • Determined by leasing company


6. Fees


  • Determined by leasing company


7. Security


  • Determined by leasing company


8. Leasing companies Co-operating with HBOR on Programme

Erste & Steiermärkische S-Leasing d.o.o.
Raiffeisen Leasing d.o.o.
UniCredit Leasing Croatia d.o.o.