27.03.2026.
Due to a significant increase in the prices of energy, raw materials and other input costs, the Croatian Bank for Reconstruction and Development (HBOR) had decided to introduce a moratorium on loan repayment for micro, small and medium-sized entrepreneurs in the agriculture, forestry and fisheries sector, as well as for entities engaged in retail trade in petroleum products and liquefied petroleum gas.
This decision was made following the conclusions of the Government of the Republic of Croatia on measures to help the economy, and its purpose is to alleviate the pressure on liquidity of entrepreneurs and provide them with additional time to adapt in conditions of market instability.
The measure applies to beneficiaries of HBOR’s direct loans, and it includes investment loans and working capital loans that are in the grace period or repayment period on the date of receipt of application for moratorium. The moratorium covers the loan principal and ordinary interest, it is approved for a maximum period of 6 months, and no fee is charged for its approval.
“We are aware of all challenges that our farmers and entrepreneurs, as well as entrepreneurs in related sectors, are currently facing. Our role, as a development bank, is to react promptly and provide them with concrete support. Therefore, following the Government’s conclusions on measures to help the economy, we have adopted a measure to introduce a moratorium in order to enable them to stabilise their operations in the conditions of great market uncertainties“, said the President of HBOR’s Management Board Hrvoje Čuvalo.
In the agriculture, forestry and fisheries sector alone, the possibility of using the moratorium applies to almost 600 entrepreneurs, for loans in the total amount of EUR 100 million.
Applications can be submitted by post, in person at the mailroom (Zelinska 3, 10 000 Zagreb) or via HBOR website, no later than 30 June 2026.
Due to a significant increase in the prices of energy, raw materials and other input costs, the Croatian Bank for Reconstruction and Development (HBOR) had decided to introduce a moratorium on loan repayment for micro, small and medium-sized entrepreneurs in the agriculture, forestry and fisheries sector, as well as for entities engaged in retail trade in petroleum products and liquefied petroleum gas.
This decision was made following the conclusions of the Government of the Republic of Croatia on measures to help the economy, and its purpose is to alleviate the pressure on liquidity of entrepreneurs and provide them with additional time to adapt in conditions of market instability.
The measure applies to beneficiaries of HBOR’s direct loans, and it includes investment loans and working capital loans that are in the grace period or repayment period on the date of receipt of application for moratorium. The moratorium covers the loan principal and ordinary interest, it is approved for a maximum period of 6 months, and no fee is charged for its approval.
“We are aware of all challenges that our farmers and entrepreneurs, as well as entrepreneurs in related sectors, are currently facing. Our role, as a development bank, is to react promptly and provide them with concrete support. Therefore, following the Government’s conclusions on measures to help the economy, we have adopted a measure to introduce a moratorium in order to enable them to stabilise their operations in the conditions of great market uncertainties“, said the President of HBOR’s Management Board Hrvoje Čuvalo.
In the agriculture, forestry and fisheries sector alone, the possibility of using the moratorium applies to almost 600 entrepreneurs, for loans in the total amount of EUR 100 million.
Applications can be submitted by post, in person at the mailroom (Zelinska 3, 10 000 Zagreb) or via HBOR website, no later than 30 June 2026.