Loan with capital rebate - HBOR - energy efficiency

HBOR: energy efficiency.

Official name (HR): Krediti za energetsku učinkovitost poduzetnika

Energy-efficiency measures in processes and buildings, plus eligible renewable energy (RES). Energy savings must be verifiable.

OpenReview updated October 2026.

Who it is for.

Businesses of all sizes in eligible manufacturing, commercial and service activities, registered for at least one year.

Check your NACE (NKD) code

What can be funded.

Energy-efficiency measures in processes and buildings, plus eligible renewable energy (RES). Energy savings must be verifiable.

Equipment, building envelope and technical systems

Loan and write-off.

Loan up to €3 million. Possible write-off of up to 50% of the principal, at most €1.5 million, once the conditions are met. The ERDF half of the loan carries 0% interest.

The rebate depends on the criteria achieved

Loan up to €3 million

Loan sources

50% ERDF, 0% interest50% bank

If the criteria are met

write-off up to 50% of principal, max €1.5 millionrepayment

Repayment up to 17 years

grace period up to 3 yearsrepayment

The write-off is not automatic: it depends on the criteria met, company size and investment region. The loan is approved by a commercial bank.

Savings and status.

Production processes: at least 20% savings; commercial and service sector: 30%. Additional criteria apply to buildings.

Active programme via commercial banks

Minimum energy savings

  • Production processat least 20%
  • Commercial and service sectorat least 30%
  • Buildings serving production, heating and coolingat least 50%

Savings are proven in the main design, and each unit is assessed separately.

Eligible costs.

  • More energy-efficient machinery and production processes.
  • Renovation of the building envelope and technical systems to energy criteria.
  • Eligible renewable energy sources and related investment costs.

What to check before deciding.

  • Eligible NKD code and at least one year since registration.
  • Savings of at least 20% in production processes, 30% in the commercial/service sector; additional conditions for buildings.
  • The capital rebate is not automatic: check the indicators, the evidence required and the aid limits.

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.

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Deadline / availability
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STEP SPIN: strategic partnerships

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Sector
Strategic digital, clean and biotechnologies
Large enterprises
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What can be funded
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Deadline / availability
Consultation closed on 14 October 2026; application date not published
Terms, costs and preparation
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HBOR NRRP: green transition

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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

Explore available funding opportunities.

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