Working Capital Loans through Framework Loans to Banks with HAMAG-BICRO Guarantee - applications received by 30 June 2022


Micro, small and medium-sized entrepreneurs in accordance with the Small Business Promotion Act, including natural persons performing a registered activity (crafts businesses, sole traders, family farms).

The borrowers should cumulatively meet the following conditions:
  • Are COVID score clients, i.e. clients who have been, on the basis of the Methodology for the Calculation of COVID Score of the Financial Agency (FINA), assessed as clients whose business is endangered and who need additional finance. Assessment is assigned in accordance with the type of business entity, and all COVID scores are acceptable for lending purposes except the negative one;
  • Were not in difficulties on 31 December 2019 in terms of the General Block Exemption Regulation (Commission Regulation (EU) No. 651/2014 of 17 June 2014);
  • Were classified to the risk category A (Stage 1 or Stage 2 of credit risk) on 31 December 2019 in accordance with commercial bank's data and/or were classified by the Financial Agency (FINA) to the category "1 – client duly fulfils obligations" or "2 – generally, client duly fulfils obligations“ in accordance with the HNB's risk assessment;
  • Meet HBOR's Eligibility Criteria;
  • Meet the conditions for the approval of individual ESIF guarantee of HAMAG-BICRO.

Purpose of Loans

  • Financing of salaries, overheads and other basic operating expenses (the so-called ‘idle mode’), purchase of raw materials, settlement of obligations towards suppliers and other current operating expenses
  • Loan funds cannot be used for the settling of existing loan obligations towards commercial banks or other financial institutions or for the payment of VAT

Manner of Implementation

  • Through commercial banks

Amount of Loans

  • EUR 187,500.00: minimum loan amount
  • EUR 2,000,000.00: maximum loan amount

Loan Currency

  • HRK indexed to EUR

Interest Rate

  • Maximally 2.00 p.a., fixed


  • Determined by the commercial bank

Period and Manner of Loan Disbursement

  • Determined by the commercial bank

Repayment period

  • Determined by the commercial bank
  • Total loan period: maximally 6 years (from the date of the loan contract until the final loan repayment date)


  • Individual ESIF guarantee of HAMAG-BICRO in the amount of at least 50% of the total loan amount (in line with the agreement concluded between an individual bank and HAMAG-BICRO)
  • Other collaterals determined by the commercial bank

Related Documentation

General Eligibility Criteria

Commercial Banks included in the Cooperation

Addiko Bank d.d.
Hrvatska poštanska banka d.d.
Partner banka d.d.
Raiffeisenbank Austria d.d.



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