Loan Programmes

Financial instrument, for which funds are provided by the European Structural and Investment Funds (ESIF) and commercial banks in the proportion 50:50, and out of which new long-term investments of small and medium-sized enterprises at low interest rates are financed without customary fees for loan approval and disbursement.
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Borrowers Private sector business entities in the category of micro, small and medium-sized enterprises: companies, crafts businesses, family farms, cooperatives and producer organisations or other legal entities that are actively engaged in primary agricultural production and/or processing. Investments carried out on the territory of the...
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Financing of working capital needed for the elimination of instabilities in production and financing of current operations (preparation of production, raw materials, other operating costs, labour costs, settling of obligations toward suppliers and other current operating costs; except for loan obligations towards commercial banks and other financial institutions as well as VAT).
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Financing of local government units in the activities relating to energy renovation, including dismantling and disposal of lamps and equipment to be replaced; installation of lighting and regulation equipment; installation of new billing and control metering devices for electric energy; preparation of studies, expert supervision etc.
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Programme for Issuing Bank Guarantees at the Request of Exporters 1. Beneficiaries of Bank Guarantees Legal entities abroad inviting international tenders and/or intending to enter (or having already entered) into a contract on the purchase of goods, works or services. If a bank guarantee (hereinafter: bank guarantee) is issued in co-operation...
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 Programme for the Issuance of Performance-Related Bank Guarantees 1. Beneficiary of Bank Guarantee Natural person or legal entity in the Republic of Croatia 2. Purpose Issuance of performance-related bank guarantees to domestic entrepreneurs for the purpose of participating in tenders and entering into contracts for the supply of goods,...
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1. Borrowers Micro, small and medium private sector business entities - companies, crafts businesses, sole traders, family farms, cooperatives and institutions that are:   young entrepreneurs, start-ups, female entrepreneurs, entrepreneurs investing in the following areas: supported areas (groups I to IV by the level of development...
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Loans for investment in fixed assets for the purpose of business modernisation, introduction of new technologies, increase in capacities, investment in research and development and introduction of new products or services, promotion of environmental protection, energy efficiency and renewable energy resources projects, tourist capacities and facilities as well as promotion of new employment.
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Loans for investment of public sector business entities: units of local or regional government (municipalities, cities or counties) and companies, institutions and agencies owned or majority-owned by the units of local or regional government and/or the Republic of Croatia.
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Direct loans for micro, small and medium-sized enterprises from the funds of the European Regional Development Fund (ERDF) and from HBOR's sources at fovourable conditions, with a possibility of a write-off of up to 50% of loan principal for financially sustainable investments contributing to boosting productivity and competitiveness and the goals of digital transformation of business and enterprises.

 
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Direct loans with more favorable terms and the possibility of writing off up to 50% of the loan principal for public sector investments in commercial/public infrastructure projects that, in addition to the public element, also have a certain commercial content, from the funds of the European Regional Development Fund (ERDF) and HBOR funds.
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Direct loans for micro, small and medium-sized enterprises from the funds of the European Regional Development Fund (ERDF) and from HBOR's sources at favourable terms and conditions with a possibility of a write-off of up to 50% of loan principal for financially sustainable investments contributing to the goals of green transition and to the quality of tourism products and services.
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Loans for private and public sector business entities that meet the requirements of the tender for grants under which they submit their applications.
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1. Borrowers Private and public sector business entities (entities owned or majority-owned by the units of local or regional government and/or owned and/or majority-owned by the Republic of Croatia), where income taxpayers (except primary agricultural producers) must meet all of the following requirements: At least 10% share of capital and...
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Direct HBOR loans above EUR 100,000 from the funds of the National Recovery and Resilience Plan (NRRP) for micro, small and medium-sized enterprises for investments in compliance with the Do No Significant Harm principle.
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Financial instrument co-financed from the sources of the European Agricultural Fund for Rural Development and sources of the national contribution1 (50%) and commercial bank's sources (50%), out of which new long-term investments of small and medium-sized enterprises active in the agricultural, processing and forestry sectors are financed.
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Financial instrument for financing investments in energy efficiency and promoting the use of renewable energy sources in public sector buildings for the purpose of achieving energy savings. Loan proceeds are intended for the completion of funding plans for projects implemented by grant beneficiaries who have obtained a Decision on Financing under the Invitation to Submit Project Proposals for the Specific Goal 4c1 „Reduction of Energy Consumption in Public Sector Buildings“.
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Pre-shipment export finance until collection (purchase of raw materials, production materials, semi-products, settlement of obligations towards suppliers, labour costs and other current expenses) and/or financing the collection of payment for an export transaction.
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Financing of foreign buyers of goods and services (except for consumer goods) pursuant to the rules determined by the OECD Consensus. Benefits for exporter: collection of payment for export transaction immediately upon delivery, payment to the account of exporter in the currency of export contract, loan is repaid by bank/buyer abroad, increase in liquidity of exporter, avoidance of risk of collecting payment for export transaction.
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Loans intended for exporters that sell on credit terms for the export of goods and services, except for consumer goods, pursuant to the rules determined by the OECD Consensus.
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Temporary measure under the loan programme Working Capital for the financing of current operations and settlement of liabilities towards suppliers, intended for business entities that can prove to have difficulties in operations caused by the effects of the Russian aggression against Ukraine based on the criteria for the assessment of the crisis effects. Application until 31 December 2022 (loan contract to be executed no later than until that date) or until the available funds have been disbursed in full.
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Borrowers Private sector business entities in the category of micro, small and medium-sized enterprises: companies, crafts businesses, family farms, cooperatives and producer organisations or other legal entities that are actively engaged in primary agricultural production and/or processing. Investments carried out on the territory of the...
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Temporary framework measure in cooperation with 6 commercial banks for the financing of current operating expenses (so-called idle mode), purchase of raw materials and settlement of obligations towards suppliers (except for loan obligations towards commercial banks and other financial institutions). Intended to micro, small and medium-sized companies as well as mid-cap companies that can prove negative consequences of the COVID-19 pandemic on their business operations.
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Loans for the financing of current business operations (e.g. purchase of raw materials, production materials, semi-products, small inventory, settlement of obligations towards suppliers, labour costs, general current operating expenses), settlement of short-term obligations towards financial institutions, the state and settlement of other short-term obligations, excluding the repayment of debt to the owner, related entities and other third persons, with the maximum repayment period of up to 12 months.
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The Measure for Entrepreneurs in Wood Processing and Furniture Production Activities is implemented as a temporary measure under the Working Capital loan programme, and it applies to the applications received in HBOR until 31 December 2024 or until the funds provided by the Ministry of Agriculture have been used up. Applicants are not...
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