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HBOR loan for production modernisation

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HBOR loan for modernisation: 0% interest on half the loan and up to 50% write-off

A loan from HBOR (Croatian Bank for Reconstruction and Development) of EUR 100,000 to 3,000,000 for micro, small and medium-sized enterprises in manufacturing. On half of the loan (the part from EU funds, ERDF) the interest rate is 0%, and with the criteria met, a write-off of up to 50% of the principal is possible. Omnia Solutions manages the entire procedure, from the eligibility check to HBOR’s decision.

Request a free check → See the possible write-off

Reply within one working day · No obligation · Funds are limited, applications are accepted until the allocation is used up

Key programme conditions
0%
interest on the ERDF part of the loan
EUR 3 million
maximum loan amount
15 years
repayment period
3 years
grace period before the first instalment
up to 50%
principal write-off, a capital rebate for criteria met
Loan purpose

What can you finance?

The loan is intended for investments in fixed assets: a new business unit, capacity expansion, new products or a fundamental change in the production process. Up to 30% of the loan can be used for working capital.

Machinery and equipment

Purchase of new production machines, lines and equipment, including CNC machines, robotics and process automation.

Production premises

Investments in production buildings when they are part of a modernisation project. We check the eligibility of construction costs separately for each project.

Renewables and digitalisation

Alongside the main investment: renewable energy sources, digital solutions and employee training. For investments only in energy efficiency, HBOR has a separate loan.

Loan conditions

Considerably more favourable than commercial loans

EUR 100,000 to 3,000,000
loan amount
0% per year
fixed interest on the ERDF part (50% of the loan)
up to 50%
principal write-off (capital rebate)
up to 15 years
repayment period
up to 3 years
grace period
50 : 50
ratio of ERDF to HBOR funds
Capital rebate

How much of the loan do you not have to repay?

The loan is granted 50 : 50 from ERDF and HBOR funds. If criteria defined in advance are met, up to 50% of the disbursed principal can be written off, which turns the investment into partly non-repayable financing.

We explain in detail which criteria bring a write-off, how they are proven and which documents are required in the guide HBOR loan for production modernisation 2026: conditions, write-off and procedure.

Eligibility

Is the loan intended for your company?

The programme is intended for manufacturing companies that want to invest in development, expansion and modernisation. Check the basic criteria:

You are eligible if…

  • you are a micro, small or medium-sized private sector company (up to 249 employees)
  • you are registered for manufacturing (section C of the NKD classification of activities) and have a business unit in Croatia
  • you plan to invest in machinery, equipment, new products or expansion of production
  • the investment has not yet started (before the Investment Notification (Najava ulaganja) or the application is submitted, there are no contracts, advance payments or invoices)
  • you settle your obligations regularly and are creditworthy (HBOR assesses each application)

The programme is not for you if…

  • you are a large company (250+ employees)
  • you are seeking only working capital or refinancing of existing loans (working capital is possible up to 30% of the loan, together with an investment)
  • the investment already started before the Investment Notification or the application was submitted
  • you are not in manufacturing (e.g. trade, services, primary agriculture) or the activity is on the programme’s list of ineligible activities

Not sure? This is exactly what the eligibility check is for. Send an enquiry and within one working day we will tell you whether you meet the basic conditions, with no obligation.

How we work

From idea to approval, we manage the entire procedure

Omnia Solutions from Zagreb specialises in combining EU funds and favourable sources of financing: HBOR loans, loans from HAMAG-BICRO (Croatian Agency for SMEs, Innovations and Investments) and EU grants.

Eligibility check

We analyse your company and the planned investment free of charge and let you know within one working day whether you meet the basic conditions.

Investment structure

We put together the financial structure, the investment phases and a strategy for maximising the capital rebate.

Documents and application

We submit the Investment Notification, prepare the business plan or investment study and prepare the application with complete documentation.

Implementation and rebate

We monitor implementation and reporting and prepare the evidence for the capital rebate.

From practice

We helped a manufacturing client secure an HBOR loan of about EUR 1.45 million with the highest capital rebate of 50% of the principal.

Read the full case study →
≈ EUR 730,000

of capital rebate (50% of the principal) for one client

Why is preparation decisive? The rebate criteria are defined before approval. From day one, the investment must be structured so that the criteria are achievable and provable.

Applications are accepted until the allocation is used up!

Frequently asked questions

Everything entrepreneurs ask most often

Who can apply for the HBOR loan for production modernisation?
Micro, small and medium-sized private sector enterprises registered for a manufacturing activity (section C of the NKD) with a business unit in Croatia. The programme cannot be used by large companies or for activities on the programme’s list of ineligible activities.
What can be financed with this loan?
Investments in fixed assets (tangible and intangible assets) for a new business unit, capacity expansion, new products or a fundamental change in the production process. Alongside the main investment, renewable energy sources, digital solutions and employee training are also eligible. Working capital can make up at most 30% of the loan.
What is the interest rate on the HBOR loan for production modernisation?
The loan is granted in a 50 : 50 ratio from ERDF and HBOR funds. On the part from ERDF funds, the interest rate is 0% per year, fixed. On the HBOR part, a fixed interest rate applies, which HBOR sets for each loan based on a risk assessment. The repayment period is up to 15 years, including a grace period of up to 3 years.
What share of the investment can HBOR finance?
As a rule, HBOR lends up to 85% of the estimated value of the investment, in an amount of EUR 100,000 to 3,000,000. If regional aid is granted, the entrepreneur must provide at least 25% of the eligible costs of the investment in fixed assets.
What is a capital rebate?
A capital rebate is a write-off of part of the loan principal from ERDF funds, up to a maximum of 50% of the total disbursed principal. It is granted after the investment, by proving criteria defined in advance. This is why it is essential to structure the investment from the start so that the criteria are achievable and provable.
What are the criteria for the capital rebate?
According to Annex 2 of the programme: 10% for each Industry 4.0 solution costing at least 10% of the loan principal, 2% for each digital solution and 5% for an investment aligned with the Smart Specialisation Strategy (S3). A maximum of 50% in total. Fulfilment of the criteria is confirmed by an authorised court expert, before and after the investment.
Can I start the investment before the loan is approved?
Not before submitting the Investment Notification or the loan application, because costs incurred before that are not eligible. Under this programme, only costs incurred after the Notification or the application and paid after HBOR’s decision to approve the loan are refunded from the loan. The loan application is submitted within 6 months of the Investment Notification.
Which documents are required?
For investments worth up to EUR 400,000, a business plan using the HBOR template, and for larger investments, an investment study. In addition, HBOR forms (application, investment tables, statements) and documentation on the “do no significant harm” (DNSH) principle and climate resilience are submitted. HBOR does not prepare the business plan or the study; we prepare the entire package.
Are there any fees, and how is the application submitted?
HBOR does not charge a fee for processing the application or for reserving funds. The application is submitted directly to HBOR, exclusively electronically. One borrower can contract only one loan under this programme.
How long does the procedure take from application to disbursement?
HBOR does not publish a fixed processing time. The duration depends on the complexity of the investment and the completeness of the documentation, and as a rule it takes several months. A well-prepared application significantly shortens processing, and this is exactly where we take on most of the work.
How much does the Omnia Solutions service cost?
The eligibility check is free and non-binding. The fee for preparing and managing the project is agreed transparently, depending on the scope, and is many times lower than the value of the capital rebate the project can achieve.
Until when can applications be submitted?
Applications are accepted until the available funds are used up. Since the allocation is being used continuously, we recommend starting the procedure as soon as the investment is defined.

Source: HBOR, Loans for Production Modernisation (Krediti za modernizaciju proizvodnje) (programme of 15 June 2026). Information checked on 13 October 2026.
More: all HBOR loans and application preparation · HBOR Loans for Processing of Agricultural Products · frequently asked questions about EU projects, HBOR loans and HAMAG-BICRO loans

Free eligibility check

Find out within one day whether you meet the conditions

Send us basic information about your company and the planned investment. We analyse eligibility and get back to you with a concrete answer, with no obligation and at no cost.

Reply within one working day.
No obligation, the check does not commit you to anything.
Confidentiality, the information is used only to reply to your enquiry.

Free introductory call

Not sure whether your investment qualifies for the HBOR loan?

Tell us about your company and what you plan to invest in, and we will check whether you meet the basic conditions. The introductory call is free. Email or call us.

Email info@omniasolutions.hrCall +385 97 7969 679