HAMAG-BICRO loans: advice and application support

Omnia Solutions from Zagreb prepares applications for HAMAG-BICRO (Croatian Agency for SMEs, Innovations and Investments) loans for entrepreneurs, sole proprietorships (obrt) and family farms (OPG) across Croatia. We check whether you meet the conditions, prepare the business plan and documentation, and guide you through the online application, the disbursement and the request for a partial principal write-off.

Two programmes are currently open: the micro loan of up to EUR 50,000 for young companies and owners from vulnerable groups, and the CAP Strategic Plan (SP ZPP) loan for farmers in sensitive sectors, with applications from 28 October 2026.

Micro loan of up to EUR 50,000

The programme is Micro Loans for Growth and Inclusion (Mikro zajmovi za rast i uključenost). On 24 September 2026, HAMAG-BICRO raised the maximum loan amount from EUR 25,000 to EUR 50,000.

Condition	Micro loan
Amount	EUR 1,000 to 50,000
Interest	base rate for Croatia minus 2.5 percentage points, at least 0.5%, fixed; with the base rate of 2.71% (from 1 July 2026) it is 0.5%
Repayment period	up to 5 years, including a grace period of up to 1 year; quarterly instalments
Purpose	tangible and intangible assets, and working capital up to 30% of the loan
Approval fee	none
Write-off	up to 30% of the principal drawn, subject to regular repayment and the additional employment of a person from the target group
Application deadline	until funds are used up, no later than 31 December 2029

Who can apply for the micro loan

A micro or small entity that operates in Croatia and is majority-owned by natural persons.
In addition, it must be an independent young company up to 3 years old, or an entity whose majority owners are persons with disabilities, persons over 55, young people aged 18 to 29 or persons without completed secondary education.
The majority owner works full-time in the entity for the entire duration of the loan agreement.
A person who is only just setting up a company or sole proprietorship can also apply; the agreement is signed with the registered entity.

Who is not eligible

Medium-sized and large enterprises.
A young company whose majority owner or founder currently holds more than 30% of another entity, or held such a share for more than 3 years in total.
An entity with a blocked account (currently, or continuously for more than 30 days in the last 6 months) or with debts to the state without an agreed rescheduling.
An entity in the first year of self-employment aid from the Croatian Employment Service (HZZ), and anyone who has already used this loan.
Excluded activities, among others: agriculture, forestry and fishing; transport and storage; accommodation; real estate; finance and insurance; rental and leasing; employment activities; fossil fuels and tobacco.

The micro loan does not finance, among other things, real estate, product and service development, investments already completed, refinancing or purchases from related parties.

SP ZPP loan for farmers

The programme is SP ZPP Loans for Growth of Agricultural Production in Sensitive Sectors (SP ZPP zajmovi za rast poljoprivredne proizvodnje u osjetljivim sektorima). HAMAG-BICRO implements it directly, and it is co-financed by the European Agricultural Fund for Rural Development.

We described the conditions and write-off criteria by sector in the guide SP ZPP Loans for Growth of Agricultural Production, and for beekeepers in the guide Loan for beekeepers.

Condition	SP ZPP loan
Amount	EUR 1,000 to 150,000
Interest	0.10%, fixed
Repayment period	up to 8 years (young farmers up to 10), including a grace period of up to 12 months; quarterly instalments
Period for using the funds	up to 6 months from disbursement (fruit and vegetables up to 12 months)
Approval fee	none
Write-off	up to 45% of the principal drawn (young farmers up to 50%), subject to regular repayment and meeting the criteria for the sector
Applications	online only on the HAMAG-BICRO website, from Wednesday 28 October 2026 at 9:00, until funds are used up, no later than 31 December 2029

Who the SP ZPP loan is for

Family farms (OPG), sole proprietorships, companies, producer organisations and other legal entities that are small business entities and are entered in the Farm Register (Upisnik poljoprivrednika) or another appropriate register.
They have been registered and operating in the sector of the investment for at least 2 years before applying.
The investment is outside the urban centres of Zagreb, Osijek, Rijeka and Split.
Legal entities have at least one employee or hire one within 6 months; OPG holders and sole proprietors are entered in the Register of Taxpayers and pay contributions (except pensioners).
Sectors: dairy cattle farming; beef cattle farming (fattening of young cattle and suckler cows); sheep and goat farming; pig farming (sows); beekeeping (more than 100 hives); pome and stone fruit, and strawberries in protected cultivation; vegetable growing.

What to watch out for

Do not buy or pay for anything before the loan is disbursed. Reimbursement of previously paid obligations is not eligible.
The loan does not finance working capital, refinancing of loans and leases, recoverable VAT, obligations older than 3 months, investments for personal purposes or purchases from related parties.
For the same investment, the loan may not be combined with grants or other financial instruments from EU funds.
Each beneficiary can receive only one SP ZPP loan; the account must not be blocked, and obligations to the state must be settled or rescheduled.

How we work

You send us your activity, the planned investment and the approximate amount.
We check whether you meet the conditions and which programme suits you.
We draw up an investment plan: how much comes from the loan, how much from your own funds, and what may be bought when.
We prepare the business plan and documentation according to HAMAG-BICRO’s list.
We submit the online application and answer HAMAG-BICRO’s queries.
After approval, we help with the disbursement, the proof of investment and the request for a partial principal write-off.

>> For grants, see also EU projects: preparation and implementation

Guides to HAMAG-BICRO loans

We describe the detailed conditions, amounts and principal write-off criteria in our guides.

HAMAG-BICRO loans 2026: an overview of all HAMAG-BICRO loans and guarantees, with the programmes currently open, interest rates and principal write-off.
Micro Loans for Growth and Inclusion 2026: EUR 1,000 to 50,000 at 0.5% interest with a principal write-off of up to 30%, for young companies and owners from vulnerable groups. You can apply even before setting up a company or sole proprietorship.
SP ZPP Loans for Growth of Agricultural Production 2026: up to EUR 150,000 at 0.10% interest with a principal write-off of up to 45% (50% for young farmers), for nine sectors. Applications from 28 October 2026.
SP ZPP loan for beekeepers: a truck or trailer for migratory beekeeping at 0.10% interest with a principal write-off of up to 45%.
Grants and loans for young people, women and start-up entrepreneurs 2026: the micro loan of up to EUR 50,000, an HBOR (Croatian Bank for Reconstruction and Development) loan of up to EUR 400,000 and aid in agriculture, with what is open and how to prepare.

>> All 2026 guides in one place

Frequently asked questions

Can I apply for a micro loan if I am only just setting up a company or sole proprietorship?

Yes. You can apply before the business is set up, and the loan agreement is signed with the registered entity. The majority owner must work in it full-time.

How is the interest on the micro loan calculated?

The interest rate is the base rate for the Republic of Croatia minus 2.5 percentage points and cannot be lower than 0.5%. With the base rate of 2.71% (from 1 July 2026) it is 0.5%, fixed for the entire repayment period. It is set on the day the application is received.

What can beekeepers finance with an SP ZPP loan?

The purchase of used goods vehicles of categories N2 and N3, trailers with a payload of more than 3,500 kg and semi-trailers, no older than 10 years, for beekeepers with more than 100 hives. The vehicle is entered in the register of beekeeping vehicles. The purchase of bees and hives is not allowed.

What can dairy cattle farmers finance with an SP ZPP loan?

The purchase, reconstruction and equipping of existing facilities for raising and keeping dairy cows, and the construction, reconstruction and equipping of milking parlours.

Is approval certain if I meet the conditions?

No. HAMAG-BICRO decides on the loan. We prepare a complete and accurate application and follow it through to the decision.

Check whether you can apply for a loan

Send your activity, the planned investment and the approximate amount to info@omniasolutions.hr, or call 097 7969 679.

More on the micro loan increase: Maximum loan amount raised to EUR 50,000. You can find all the conditions in the guide Micro Loans for Growth and Inclusion.

>> Frequently asked questions

Sources

The conditions are summarised from official sources as of 13 October 2026. They may change; HAMAG-BICRO decides on the loan.