HBOR

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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.

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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.

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Submit the loan application

The application is to be submitted where you arrange a loan.

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Assessment of loan application

Loan application is processed after the receipt of entire documentation through financial, technical and legal assessment.

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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.

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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.

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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.