Official name (HR): Investicije privatnog sektora
Tangible and intangible assets for business development and modernisation; related working capital up to 30% of the loan.
Companies, sole traders, self-employed persons, family farms, cooperatives, institutions and associations, subject to the programme terms.
Large enterprises are also eligible
Tangible and intangible assets for business development and modernisation; related working capital up to 30% of the loan.
Capacity, equipment, technology and development
The maximum amount is not capped in advance. As a rule, up to 75% of the estimated investment value excluding VAT is financed, with exceptions set out in the programme.
Amount depends on the project and creditworthiness
For loans up to €400,000, the standard rates are 3.40% or 3.90% fixed, depending on the purpose, with possible subsidies. For larger loans, the terms are set individually.
Application to HBOR or a commercial bank
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.