Interest rates from 0.4 percent or interest rate subsidy of up to 75 percent
Investments in competitiveness and resilience
Under the National Recovery and Resilience Plan (NRRP), favourable funds are made available to entrepreneurs. The funds are approved through the implementation of financial instruments for private and public sector entities with interest rates from 0.4 % or interest rate subsidies of up to 75 %.
Direct loans from the NRRP funds are intended for start-up entrepreneurs (up to 3 years of operations), young entrepreneurs (up to 40 years), companies owned and/or managed by women, entrepreneurs investing in special areas of the Republic of Croatia (assisted areas in accordance with the development index, hill and mountain areas and the islands) and entrepreneurs investing in the commercialisation of research, development and innovation-based projects (RDI projects).
Special SME Segments Investment under the National Recovery and Resilience Plan (NRRP)
Interest rate: 0.4 % or 0.8 %
- for projects that are mostly focused on green or digital transition and commercialisation of RDI projects - 0.4% p.a.
- for other investments in competitiveness and resilience - 0.8 % p.a.
Loans for entities in both private and public sectors with subsidised interest rates are made available under the following HBOR programmes for financing investments: Private Sector Investment, Public Sector Investment and Youth, Female and Start-up Entrepreneurship
Subsidy of up to 75 percent of regular interest rate
Interest rate: reduced by up to 75 %
- for investments in green transition or digital transition projects, interest rate for borrowers can be reduced by up to 75 %,
- for investments in special areas of the Republic of Croatia and investments in RDI based projects - by up to 65 %,
- for other investments to increase competitiveness and resilience - by up to 50 %
Guarantees from the NRRP funds are issued for investments by entities of medium market capitalisation and large business entities financed by commercial banks, leasing companies or HBOR. Depending on the type of investment and state aid rules, it is possible to provide guarantee coverage of up to 80% of the placement principal, subsidisation of the guarantee fee of up to 100% of the amount and subsidisation of interest per placement up to 75% of the amount.
Guarantees for entities of medium market capitalisation and large business entities
The guarantees are intended for investments in green and digital transition, for investments in special areas of the Republic of Croatia, for investments in projects based on research, development and innovation or investment in research, development and innovation (as special target groups), and for all other investments with the aim of increasing competitiveness and resilience.