Maximum loan amount under Micro Loans for Growth and Inclusion raised to EUR 50,000
The Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) has published an amendment to the Micro Loans for Growth and Inclusion (Mikro zajmovi za rast i uključenost) programme.
Updated 28 October 2026. Since 28 October 2026 at 9:00, HAMAG-BICRO has been accepting applications for SP ZPP Loans for Growth of Agricultural Production. Read the conditions by sector in the guide SP ZPP Loans for Growth of Agricultural Production 2026.
You can find all the conditions, a sample calculation and the documentation in our micro loan guide.
With the amendment to the programme, the maximum loan amount increases from the previous EUR 25,000 to EUR 50,000 and the definition of a start-up entrepreneur changes.
Compared with the earlier interpretation, the fact that the applicant (a natural person) or the applicant’s owner/co-owner previously held a share of more than 30% in another company no longer excludes them automatically. Instead, the duration of the previous ownership is assessed (no more than 36 months cumulatively), which significantly widens the range of entrepreneurs who can meet the start-up entrepreneur condition.
Along with this amendment, HAMAG-BICRO announced the upcoming opening of a new line, “SP ZPP Loans for Growth of Agricultural Production in Sensitive Sectors” (SP ZPP zajmovi za rast poljoprivredne proizvodnje u osjetljivim sektorima), under which applicants will be able to apply for up to EUR 150,000 with a principal write-off of up to 50%. Read more about it HERE.
>> Help with your application: HAMAG-BICRO loans
How Omnia Solutions can help you
The Omnia Solutions team has many years of experience in preparing projects financed from EU funds and national financial instruments. We help you check the eligibility of your business and investment, structure the project so that it makes the most of the available principal write-off, and prepare the complete application documentation on time.
Guide: HAMAG-BICRO loans 2026
- HAMAG-BICRO loans 2026: all programmes with their status on the date of review, interest rates and conditions for 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%.
- HAMAG-BICRO loans: advice and application support, how we prepare the application and what you need to send us for review.
>> All 2026 guides in one place
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