HBOR loans: advisory services and application preparation
Omnia Solutions from Zagreb prepares applications for HBOR (Croatian Bank for Reconstruction and Development) loans for micro, small and medium-sized enterprises, sole proprietorships (obrt) and family farms (OPG) throughout Croatia. We draw up the business plan or investment study, prepare the forms and statements, and handle communication with HBOR until the loan decision and disbursement.
Before anything else: do not start the investment before submitting the Investment Notice (Najava ulaganja) or the loan application. Costs incurred before that are not eligible.
HBOR investment programmes
| Programme | For whom | Amount and share | Interest rate and repayment | Special feature |
|---|---|---|---|---|
| Loans for Production Modernisation (Krediti za modernizaciju proizvodnje) | micro, small and medium-sized enterprises in manufacturing (section C) | from EUR 100,000 to 3,000,000, up to 85% of the investment value | 0% on the ERDF portion of the loan (half of the loan); up to 15 years, including a grace period of up to 3 years | capital rebate of up to 50% of the disbursed principal if the criteria are met; no processing fee |
| Energy Efficiency Loans for Businesses (Krediti za energetsku učinkovitost poduzetnika) | entities of all sizes and legal forms, registered for at least 1 year | up to EUR 3,000,000 | 0% on the ERDF portion of the loan; up to 17 years, including a grace period of up to 3 years | minimum energy savings required (20% or 30%, depending on the investment); rebate of up to 50% |
| Private Sector Investment (Investicije privatnog sektora) | companies, sole proprietors, family farms, cooperatives and institutions | direct, as a rule, from EUR 100,000, through a bank from EUR 50,000; up to 75% of the investment value | fixed interest rate depending on the purpose of the investment; up to 20 years, including a grace period | possible interest subsidy from a local government unit of up to 2 percentage points |
HBOR also has other programmes, e.g. for entrepreneurship of young people, women and start-ups, and for the digital and green transition (National Recovery and Resilience Plan, NPOO). In the introductory call, we suggest the one that fits your investment.
More on the modernisation loan: HBOR loan for production modernisation.
Guides to HBOR loans
We describe the detailed conditions of individual programmes, the documentation and the principal write-off criteria in our guides.
- HBOR loans for entrepreneurs 2026: all HBOR programmes for entrepreneurs, interest rates, principal write-off of up to 50%, repayment of up to 20 years, documentation and choosing a programme.
- HBOR loan for production modernisation 2026: from EUR 100,000 to 3,000,000 for manufacturing, 0% interest on half of the loan and a write-off of up to 50% of the principal.
- HBOR loans for processing of agricultural products: from EUR 200,000 to 3,000,000 for slaughterhouses and processing of cereals, fruit and vegetables, 0% interest on half of the loan and a write-off of up to 40% of the principal. Applications from 28 October 2026.
- Aid and loans for young people, women and start-up entrepreneurs 2026: a micro loan of up to EUR 50,000, an HBOR loan of up to EUR 400,000 and aid in agriculture. What is open and how to prepare.
- Industry 4.0, 5.0 and 6.0: differences, data for Croatia and investment financing, including the HBOR loan with a write-off of up to 50% of the principal for Industry 4.0 solutions.
- Tax incentives for investment 2026: up to 100% lower profit tax for up to 10 years and aid for new jobs under the Investment Promotion Act (Zakon o poticanju ulaganja), with the eligibility conditions.
>> All 2026 guides in one place
What the application requires
- Business plan or investment study: for investments of up to EUR 400,000, a business plan on the HBOR template; above that, an investment study. HBOR does not prepare them.
- HBOR forms: loan application, investment tables, statements on eligibility, size, aid and related persons, and data on beneficial owners.
- Investment Notice: submitted before the investment starts; the loan application is submitted within 6 months of the Notice.
- For modernisation loans: the loan reimburses only costs incurred after the Notice or the application and paid after the loan approval decision.
Example: PG Orehovec, Veliki Bukovec
For PG Orehovec, which raises and processes poultry, we prepared the application for HBOR’s Loan for Production Modernisation. The investment is worth almost EUR 2 million, the loan is about EUR 1.45 million, and the capital rebate of 50% amounts to approximately EUR 730,000.
The key steps were the investment study in line with HBOR’s conditions, the digital transformation plan, and the DNSH and climate resilience assessment with external experts. The full project story.
How we work
- You send us what you plan to invest in, the approximate amount and the timeline.
- We check eligibility and suggest an HBOR programme or another funding source.
- We draw up a financing plan, covering how much comes from the loan, how much from own funds and when you can start.
- We submit the Investment Notice and prepare the business plan or investment study and the forms.
- We submit the application and answer HBOR’s queries until the decision.
- After approval, we help with disbursement and the evidence for the capital rebate.
Frequently asked questions
When can I start the investment?
Only after submitting the Investment Notice or the loan application. Costs incurred before that are not eligible, and for modernisation loans only costs paid after the approval decision are reimbursed.
Do I need a business plan or an investment study?
For an investment of up to EUR 400,000, a business plan on the HBOR template is sufficient. Larger investments require an investment study.
Can I apply for a modernisation loan if I am not in manufacturing?
No, that programme is intended for activities in section C (manufacturing). Other HBOR programmes exist for other activities, e.g. Private Sector Investment.
Is approval automatic if I meet the conditions?
No. The loan decision is made by HBOR. We prepare complete documentation and manage the application until the decision.
Check whether your investment fits an HBOR programme
Send us what you plan to invest in, the approximate amount and the timeline at info@omniasolutions.hr, or call 097 7969 679.
For smaller investments and young companies, see also HAMAG-BICRO loans from the Croatian Agency for SMEs, Innovations and Investments.
Sources
The conditions are summarised from official sources, as of 13 October 2026. They may change, and the loan decision is made by HBOR.