Funding guide

Rebate loans and subsidised loans.

A capital rebate means a possible write-off of part of the principal once the conditions are met. A subsidised interest rate lowers the cost of the loan. In both cases we check creditworthiness and the financing structure.

Updated October 2026.

Loan with principal write-off

Up to 50% of the principal written off if the programme conditions are met; the rest is repaid.

Loans with partial principal write-off (capital rebate)

Loan with capital rebateOpen

HBOR: production modernisation

Loan €100,000–3,000,000; write-off up to 50%

Sector: Manufacturing, NACE section C
Large enterprises: NO - SMEs / target group only
What can be funded: New plants, capacity expansion, diversification or a fundamental change of process, together with digital and industrial solutions.
Deadline / availability: Rolling, subject to available funds

Terms, costs and preparation

Loan with capital rebateOpen

HBOR: energy efficiency

Loan up to €3 million; write-off up to 50%

Sector: Eligible manufacturing, commercial and service activities
Large enterprises: YES - subject to the call's terms
What can be funded: Energy-efficiency measures in processes and buildings, plus eligible renewable energy (RES). Energy savings must be verifiable.
Deadline / availability: Rolling, via commercial banks

Terms, costs and preparation

Loan with capital rebateOpen

HBOR: sustainable tourism

Loan €250,000–7,000,000; write-off up to 50% subject to conditions

Sector: Hotels, similar accommodation and campsites
Large enterprises: NO - SMEs / target group only
What can be funded: Construction, reconstruction, refurbishment and equipping of accommodation facilities, plus additional amenities that support sustainability and year-round operation.
Deadline / availability: Rolling; disbursements until 31 December 2029

Terms, costs and preparation

Loan with capital rebateOpen

HAMAG: loans for agricultural growth

Loan €1,000–150,000; possible write-off up to 50%

Sector: Primary agriculture in the programme's sensitive sectors
Large enterprises: NO - SMEs / target group only
What can be funded: Tangible and intangible fixed assets for production development. Only the sectors listed in the programme terms are eligible.
Deadline / availability: Rolling from 28 October 2026, subject to available funds

Terms, costs and preparation

Loan with capital rebateOpen

HBOR: loans for processing growth

Loan €200,000–3,000,000; write-off up to 40%

Sector: Slaughterhouses, cereal, fruit and vegetable processing
Large enterprises: NO - SMEs / target group only
What can be funded: Investments in developing eligible processing capacity through the CAP Strategic Plan financial instrument.
Deadline / availability: Rolling from 28 October 2026, subject to available funds

Terms, costs and preparation

Subsidised loans

Subsidised loanOpen

HBOR NRRP: green transition

Loan with no set maximum; interest subsidy

Sector: Private sector with an eligible green investment
Large enterprises: YES - subject to the call's terms
What can be funded: Investments in fixed assets that fully contribute to climate objectives under the eligible categories.
Deadline / availability: Rolling, subject to available funds

Terms, costs and preparation

Subsidised loanOpen

HBOR NRRP: digital transition

Loan with no set maximum; interest subsidy

Sector: Private sector with an eligible digital investment
Large enterprises: YES - subject to the call's terms
What can be funded: Strategic digital investments and AI, equipment, software and other tangible and intangible assets that meet the digital tagging criteria.
Deadline / availability: Rolling, subject to available funds

Terms, costs and preparation

Subsidised loanOpen

HBOR NRRP: defence and security

Loan with no set maximum; interest subsidy

Sector: Defence industry, cybersecurity and dual use
Large enterprises: YES - subject to the call's terms
What can be funded: Cybersecurity, dual-use infrastructure, modernisation and research and development in the defence and security industry.
Deadline / availability: Rolling, subject to available funds

Terms, costs and preparation

Subsidised loanOpen

HBOR: private sector investment

Direct from €100,000; via banks from €50,000

Sector: Private sector in eligible activities
Large enterprises: YES - subject to the call's terms
What can be funded: Tangible and intangible assets for business development and modernisation; related working capital up to 30% of the loan.
Deadline / availability: Rolling, subject to available funds

Terms, costs and preparation

Temporarily suspended

Loan with capital rebateSuspended

resumes 20 Nov

HAMAG: industrial transition

Loan up to €100,000; write-off up to 50%

Sector: Regional value chains outside the City of Zagreb
Large enterprises: NO - SMEs / target group only
What can be funded: Tangible and intangible assets for industrial transition. Working capital may make up to 30% of the loan.
Deadline / availability: Suspended until 20 November 2026, 08:00

Terms, costs and preparation

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