Official name (HR): Ulaganja u digitalnu tranziciju NPOO
Strategic digital investments and AI, equipment, software and other tangible and intangible assets that meet the digital tagging criteria.
Private sector businesses of any size, registered in Croatia. The public sector is eligible under special conditions.
Large enterprises are also eligible
Strategic digital investments and AI, equipment, software and other tangible and intangible assets that meet the digital tagging criteria.
Digitalisation of processes and operations
For direct HBOR loans to the private sector up to €400,000, a fixed rate of 2% applies. Above that, the rate is set individually, at least 1.5% subject to conditions. With commercial banks, the terms of the specific lending model apply.
The loan has no preset upper limit
Interest subsidy up to €1 million, exceptionally up to €2 million for qualifying large projects. The programme is open.
Subsidised interest without principal write-off
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.