Financing of small and medium enterprises in cooperation with leasing companies


1. Eligible beneficiaries


  • Small and medium-sized enterprises, family farms and other legal entities and natural persons who perform their business activities independently


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 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


  1. UniCredit Leasing Croatia d.o.o.
  2. Erste & steiermärkische s-leasing d.o.o.
  3. PBZ leasing d.o.o.
  4. Raiffeisen Leasing d.o.o.
  5. OTP Leasing d.d.
  6. IMPULS-LEASING d.o.o.
  7. SG Leasing d.o.o.