Investment loans from the NPOO, up to EUR 100,000 at 0.8% interest (programme 2026, intake suspended)
IMPORTANT Because the funds have been used up, HAMAG-BICRO (Croatian Agency for SMEs, Innovations and Investments) stopped accepting applications for investment loans under the National Recovery and Resilience Plan (NPOO) on 24 March 2026 at 9:45. The programme was valid until 30 June 2026 at the latest, and no reopening had been announced by 2 November 2026. To find out which programmes are currently open, read the guide HAMAG-BICRO loans 2026.
The Croatian Agency for SMEs, Innovations and Investments announced on its website (hamagbicro.hr) on 13 March 2026 that Investment Loans from the NPOO (Investicijski zajmovi iz NPOO-a) were once again available to entrepreneurs, in amounts of up to EUR 100,000 at an interest rate of 0.8%. The loans are intended for investments in the green and digital economy and for strengthening competitiveness.
An allocation of EUR 10 million was available to entrepreneurs, and the entire process of processing applications and disbursing the loans was to end no later than 30 June 2026, or once the allocation has been used up.
The programme was announced to reopen on 17 March 2026.
Open HAMAG-BICRO programmes, including the micro loan for growth and inclusion of up to EUR 50,000, are tracked in our guide HAMAG-BICRO loans 2026, and for larger investments in the green and digital transition see HBOR loans for entrepreneurs 2026.
For timely and well-prepared loan applications, contact us at info@omniasolutions.hr or call +385 97 796 96 79.
Guide: HAMAG-BICRO loans 2026
- HAMAG-BICRO loans 2026: all programmes with their status on the date checked, interest rates and conditions for principal write-off.
- Micro Loans for Growth and Inclusion 2026 (Mikro zajmovi za rast i uključenost): EUR 1,000 to 50,000 at 0.5% interest and a principal write-off of up to 30%.
- HAMAG-BICRO loans: advice and application: how we prepare the application and what you need to send us for a check.
