Official name (HR): Mali zajmovi za žene poduzetnice i poduzetnike početnike
A loan of €25,001 to €100,000 for fixed assets at 0.5% interest. Part of the principal is written off for every new hire.
Micro, small and medium-sized enterprises registered for less than three years (start-ups) and enterprises in which women have held more than 50% of the shares for at least two years (women entrepreneurs). People who are only setting up a company or a sole proprietorship can also apply.
The owner or a co-owner is employed full-time in the company
Investments in fixed assets. Working capital may make up to 30% of the loan, and land no more than 10%.
No refinancing and no purchases from related parties
A loan of €25,001 to €100,000 at a fixed interest rate of 0.5% a year. Repayment takes up to 10 years, including a grace period of up to one year. For every new hire 10% of the principal is written off, or 15% if the new employee is a woman or under 30, up to 50% in total.
Maximum write-off 50% of the principal
Intake closed on 25 November 2025 at 12:00 because the funds were used up. No reopening date has been published.
Reopening not announced
We first check the founding date or ownership structure, the activity and previous de minimis aid. Then we link the investment, the hiring plan for the write-off and the documents HAMAG-BICRO 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: November 2026. The current programme, 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%
Upcoming: €2–10 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.