This service is equally intended for start-ups as well as for existing companies. Given our extensive experience in accessing and communicating with publicly and privately-owned credit and guarantee institutions (HBOR, HAMAG-BICRO, commercial banks etc.), we are able to find the ideal financing source for each project and develop it in this direction. Each credit line has its own terms (conditions) and additional documentation, which must be filled in appropriately and in accordance with the Business Plan/Feasibility Study (statements, tables, questionnaires, etc.). In addition, not every credit line is intended for all entrepreneurs and types of investments. We list some of the current and most favourable Croatian credit lines for entrepreneurs and start-ups, whose implementation can be mediated by our turn-key model service.
ESIF (EUROPEAN STRUCTURAL AND INVESTMENT FUNDS) loans are an excellent opportunity for both start-ups as well as active entrepreneurs from the micro, small and medium-sized enterprises. With the lowest interest rates on the market ranging from 0.1% (up to 1%), with the possibility of a grace period of up to one year, without the cost of processing and/or reserving of funds, and without currency or interest rate risk (interest rates are fixed), starting or improving a business has never been more convenient and easier. ESIF loans are divided into two investment programs (Micro up to EUR 25,000.00 and Small up to EUR 50,000.00) and one working-capital program (up to EUR 25,000.00). Investment loans must be spent within six (6) months, while working-capital loans should be spent within 3 months after the investment. Both are exclusively investment dedicated and serve to future (new) investments, which means that refinancing, rescheduling, closing of existing liabilities etc. is not possible. Investment loans are mainly used for investments in fixed assets (real estates, equipment, appliances, machinery, tools, etc.), where up to 30% of loan can be allocated in the working capital. Current assets (working capital) serves to cover running costs like renting office space, salaries, utilities, raw materials, supplies etc., depending on the type of business activity. Applicants for ESIF loans can be already registered companies and persons with an establishment Business Plan. We have prepared special offers and discounts on our services for both of them.
Financial instruments Micro and Small Loans for rural development are intended for a small economy companies, and are co-financed by the European Agricultural Fund for Rural Development. Within these financial instruments, small economy operators in the agricultural, processing and forestry sectors are directly granted by loans in accordance with the terms of the Rural Development Program of the Republic of Croatia for the period 2014-2020. The interest rates are 0.1% or 0.25%.
More about the HAMAG-BICRO’s ESIF Loans you can find out here.
Eligible borrowers are private sector business entities – companies, crafts businesses, sole traders, family farms, cooperatives and institutions that are young entrepreneurs, start-ups or female entrepreneurs. The maximum loan amount is HRK 2,000,000.00 and depends on the specific features and creditworthiness of the borrower as well as the purpose and structure of investment. Financing through loan can be up to 85% of the estimated investment value, VAT not included. Depending on the specific features and creditworthiness of the borrower as well as the purpose and structure of investment, it is possible to finance up to 100% of the estimated investment value, VAT not included, in case of loans in the amount of up to HRK 700,000.00. More about this credit line you can find here.
Eligible borrowers are private sector business entities – companies, crafts businesses, sole traders, family farms, cooperatives and institutions. The maximum loan amount is not limited and depends on the specific features and creditworthiness of the borrower, purpose and structure of investment as well as available HBOR’s sources of finance. Financing through loan can be up to 75% of the estimated investment value, VAT not included. You can find out more about this credit line here.
•ESIF GROWTH AND EXPANSION
Eligible borrowers are small and medium-sized enterprises that have been operating in the territory of the Republic of Croatia for at least 2 years before the submission of loan application, meet all eligibility criteria and plan to invest in eligible sectors. Manner of implementation is exclusively via commercial banks and more about this credit line you can find here.
•INVESTMENT LOANS FOR RURAL DEVELOPMENT
Eligible borrowers are farmers and entities doing business in the agricultural products processing industry as well as entities doing business in the forestry industry. Manner of implementation is exclusively via commercial banks and more about this credit line you can find here.
OTHER HBOR CREDIT LINES
EXPORT, PUBLIC SECTOR INVESTMENT, EU PROJECTS, WORKING CAPITAL, FINANCIAL RESTRUCTURING. More about these credit lines you can find here.
Most commercial banks operating in the territory of the Republic of Croatia have credit lines provided for entrepreneurs, although most of them are not intended for start-ups. The terms and conditions of those credit lines vary from bank to bank and depend on the business policy of each of them.
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