HBOR credit program

Current

From the HBOR credit program, here’s a brief highlighted overview of the most interesting and the most commonly used credit forms.
If you are interested in co/financing your investment, please feel free to contact us and together we will find the best solution for you!

Entrepreneurship for young people, women and beginners (start-ups)

Eligible applicants: companies, craftsmen, self-employed natural persons, family agricultural holdings (OPG), cooperatives and institutions, which are young entrepreneurs, start-ups and women entrepreneurs.

Amount: 200,000.00 – 2,000,000.00 HRK

Interest rate: about 2%

Repayment period: up to 12 years including grace period up to 3 years

Eligible costs:
• fixed assets (tangible and intangible assets)
• current assets (up to 30% of the loan amount)

Private sector investment

Eligible applicants: companies, craftsmen, self-employed natural persons, family agricultural holdings (OPG), cooperatives and institutions

Amount: from HRK 200,000.00

Interest rate: 1.5% – 3%

Repayment period: up to 14 years including grace period up to 3 years

Eligible costs:
• fixed assets (tangible and intangible assets)
• current assets (up to 30% of the loan amount)


Public sector investment

Eligible Applicants: Public sector entities – local and regional self-government units (municipalities, cities and counties – hereinafter referred to as JLP (R) S) and companies, institutions and agencies owned or majority owned by JLP (R) S and / or the Republic of Croatia

Amount: from HRK 300,000.00

Interest rate: 1.75% – 2%

Repayment term: up to 15 years including grace period up to 5 years

Eligible costs:
• investments by public sector business entities
• current assets (up to 30% of the loan amount)


EU projects

Eligible Applicants: Private and Public Sector Entities (JLP (R) S and entities owned or majority owned and / or owned or majority owned by the Republic of Croatia) who qualify for the grant application to which they have applied, including those applying relate to the planned investment

Amount: from HRK 200,000.00

Interest rate: 1.70% – 1.90%

Repayment period: up to 15 years including grace period up to 3 years

Eligible costs:
in accordance with the call for proposals to which the creditor has applied and include:
• eligible expenditure – expenditure of a project to be financed by a grant,
• ineligible expenditure – exclusively the costs of a submitted project for a tender which cannot be applied for grants (fixed assets and current assets up to 30% of the total contracted loan – current assets that are considered eligible expenditure are not taken into account in the calculation)

ESIF Loans for Growth and Development

Eligible applicants:
Small and Medium Enterprises:
• operating on the territory of the Republic of Croatia for at least 2 years before applying for a loan,
• who meet all eligibility requirements,
• who plan investments in eligible sectors.

Amount: EUR 100,000.00 – EUR 3,000,000.00, tourism sector up to EUR 10,000,000.00

Interest rate: 0% on a portion of the principal from ESIF, in accordance with the bank’s business decision on a portion of the principal of the commercial bank loan

Repayment period: up to 12 years including grace period up to 2 years (tourism sector grace period up to 4 years)

Eligible costs:
• fixed assets (investments in tangible and intangible assets)
• current assets (up to 30% of the loan amount)

Investment loans for rural development

Eligible applicants: farmers and agricultural products processors and entities active in the forestry sector, which covers the following organizational forms:
• family farm (OPG),
• trade registered for agricultural activity,
• a company (including producer organizations),
• cooperatives (also including producer organizations).

Amount: 50,000.01 – 1,000,000.00 EUR

Interest rate: 0% on a portion of the principal from the Program Contribution, in accordance with the bank’s business decision on a portion of the principal of the commercial bank loan

Repayment period: up to 15 years including grace period up to 3 years

Eligible costs:
• fixed assets (investments in tangible and intangible fixed assets, all in accordance with the eligible purposes for each sub-measure of the RDA)
• current assets (up to 30% of the loan amount or up to EUR 200,000.00)

Investments are possible in the following measures, sub-measures and types of operations of the Rural Development Program of the Republic of Croatia for the period 2014-2020. (PRR):
• Measure 4. Investments in physical assets
◦ Sub-measure 4.1. Investments in agricultural holdings (4.1.1., 4.1.2., 4.1.3.)
◦ Sub-measure 4.2. Investment in processing, marketing and / or development of agricultural products (4.2.1., 4.2.2.)
• Measure 6. Development of farms and businesses
◦ Sub-measure 6.4. Investments in the development of non-agricultural activities in rural areas (6.4.1.)
• Measure 8. Investments in forest area development and improvement of forest sustainability
◦ Submeasure 8.6. Support for investment in forestry technologies and in processing, mobilization and marketing of forest products (8.6.1., 8.6.2.)

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