Official name (HR): Mali zajmovi za industrijsku tranziciju
Tangible and intangible assets for industrial transition. Working capital may make up to 30% of the loan.
SMEs with at least three years of operation in Pannonian, Northern or Adriatic Croatia, involved in a regional value chain.
Large enterprises are not eligible
Tangible and intangible assets for industrial transition. Working capital may make up to 30% of the loan.
Investment linked to regional priorities
Loan up to €100,000 with a possible write-off of up to 50% of the principal once the prescribed criteria are met.
Maximum possible nominal write-off €50,000
Intake has been temporarily suspended since 6 May 2026. HAMAG-BICRO reopens intake on 20 November 2026 from 08:00.
Reopens on 20 November 2026, 08:00
First we check the activity, the size of linked enterprises, the location, the costs and the start date. Then we align the budget, own funds and the evidence this instrument requires.
During preparation we agree the responsible people, documents and deadlines. After approval we track procurement, costs, reporting and indicators. See how we manage implementation.
Eligibility check
activity, company size, location, start date
Budget and evidence
costs, own funding, evidence
Application
responsible people, documents, deadlines
Decision
the competent authority decides on the award
Implementation
procurement, costs, reports, indicators
Reviewed: October 2026. The current call, its amendments and the official documentation prevail.
250–400% of costs as an additional reduction of the tax base
Loan up to €3 million; write-off up to 50%
Draft: €3–10 million
Tell us about your plans. In just 15 minutes, we'll identify the funding opportunities that may be suitable for your project and outline the next steps.