Loan with capital rebate - 73.11.FI

HBOR: loans for processing growth.

Official name (HR): Krediti za preradu poljoprivrednih proizvoda

Investments in developing eligible processing capacity through the CAP Strategic Plan financial instrument.

OpenReview updated October 2026.

Who it is for.

Micro, small and medium-sized enterprises processing meat, cereals, fruit and vegetables, including slaughterhouses.

Large enterprises are not eligible

What can be funded.

Investments in developing eligible processing capacity through the CAP Strategic Plan financial instrument.

Instrument 73.11.FI

Loan and write-off.

Loans €200,000–3,000,000 with a possible write-off of up to 40% of the principal, depending on the criteria met.

Possible write-off up to €1.2 million

Status and preparation.

HBOR has been accepting loan applications since 28 October 2026. It lends directly, and loans can be disbursed until 31 December 2029.

Open since 28 October 2026

Eligible costs.

  • Investments in developing eligible processing capacity through the CAP Strategic Plan financial instrument.

What to check before deciding.

  • The write-off criteria are set out in Annex 2 of the HBOR programme.
  • Do not assume the full 40% write-off is available to every project.
  • Working capital is not eligible.
The amounts come from the HBOR programme. They do not constitute loan approval or a guaranteed write-off.

How we prepare the project.

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.

  1. Eligibility check

    activity, company size, location, start date

  2. Budget and evidence

    costs, own funding, evidence

  3. Application

    responsible people, documents, deadlines

  4. Decision

    the competent authority decides on the award

  5. Implementation

    procurement, costs, reports, indicators

Sources and review date.

Reviewed: October 2026. The current call, its amendments and the official documentation prevail.

Related calls and instruments.

Tax reliefOpen

R&D tax relief

250–400% of costs as an additional reduction of the tax base

Sector
Activities with in-house research and development
Large enterprises
YES - subject to the call's terms
What can be funded
Staff, depreciation of research equipment, contract research, knowledge and patents, and other directly related eligible costs.
Deadline / availability
Application before the project starts
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
GrantUpcoming

STEP SPIN: strategic partnerships

Draft: €3–10 million

Sector
Strategic digital, clean and biotechnologies
Large enterprises
YES - subject to the call's terms
What can be funded
Development of STEP strategic technologies. Experimental development is mandatory, together with a regional value chain and technological maturity.
Deadline / availability
Consultation closed on 14 October 2026; application date not published
Terms, costs and preparation

Explore available funding opportunities.

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