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href=\"mailto:info@omniasolutions.hr\">info@omniasolutions.hr<\/a>\n      <a class=\"btn btn-navy\" href=\"#kontakt\" data-cta=\"header\">Free check <span class=\"arr\">\u2192<\/span><\/a>\n    <\/div>\n  <\/div>\n<\/header>\n<div class=\"hd-spacer\" aria-hidden=\"true\"><\/div>\n\n<main>\n\n<!-- HERO -->\n<section class=\"hero\">\n  <div class=\"wrap\">\n    <div>\n      <h2 class=\"hero-title\">HBOR loan for modernisation: 0%&nbsp;interest on half the loan and up to 50% write-off<\/h2>\n      <p class=\"lead\">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 <strong>0%<\/strong>, and with the criteria met, a <strong>write-off of up to 50% of the principal<\/strong> is possible. Omnia Solutions manages the entire procedure, from the eligibility check to HBOR&#8217;s decision.<\/p>\n      <div class=\"hero-ctas\">\n        <a class=\"btn btn-navy\" href=\"#kontakt\" data-cta=\"hero-primary\">Request a free check <span class=\"arr\">\u2192<\/span><\/a>\n        <a class=\"btn btn-ghost\" href=\"#kalkulator\" data-cta=\"hero-secondary\">See the possible write-off<\/a>\n      <\/div>\n      <p class=\"hero-note\">Reply within one working day \u00b7 No obligation \u00b7 Funds are limited, applications are accepted until the allocation is used up<\/p>\n    <\/div>\n    <div class=\"hero-card rv\">\n      <div class=\"hc-title\">Key programme conditions<\/div>\n      <div class=\"hc-grid\">\n        <div class=\"hc-item\"><div class=\"hc-num\">0%<\/div><div class=\"hc-cap\">interest on the ERDF part of the loan<\/div><\/div>\n        <div class=\"hc-item\"><div class=\"hc-num\">EUR 3 million<\/div><div class=\"hc-cap\">maximum loan amount<\/div><\/div>\n        <div class=\"hc-item\"><div class=\"hc-num\">15 years<\/div><div class=\"hc-cap\">repayment period<\/div><\/div>\n        <div class=\"hc-item\"><div class=\"hc-num\">3 years<\/div><div class=\"hc-cap\">grace period before the first instalment<\/div><\/div>\n        <div class=\"hc-item hl\"><div class=\"hc-num\">up to 50%<\/div><div class=\"hc-cap\"><strong>principal write-off<\/strong>, a capital rebate for criteria met<\/div><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- PURPOSE -->\n<section id=\"namjena\">\n  <div class=\"wrap\">\n    <div class=\"sec-kicker\">Loan purpose<\/div>\n    <h2>What can you finance?<\/h2>\n    <p class=\"sub\">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.<\/p>\n    <div class=\"grid-3\">\n      <div class=\"card rv\">\n        <div class=\"ic\"><svg fill=\"none\" stroke-width=\"2\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M11.42 15.17 17.25 21A2.652 2.652 0 0 0 21 17.25l-5.877-5.877M11.42 15.17l2.496-3.03c.317-.384.74-.626 1.208-.766M11.42 15.17l-4.655 5.653a2.548 2.548 0 1 1-3.586-3.586l6.837-5.63m5.108-.233c.55-.164 1.163-.188 1.743-.14a4.5 4.5 0 0 0 4.486-6.336l-3.276 3.277a3.004 3.004 0 0 1-2.25-2.25l3.276-3.276a4.5 4.5 0 0 0-6.336 4.486c.091 1.076-.071 2.264-.904 2.95l-.102.085\"\/><\/svg><\/div>\n        <h3>Machinery and equipment<\/h3>\n        <p>Purchase of new production machines, lines and equipment, including CNC machines, robotics and process automation.<\/p>\n      <\/div>\n      <div class=\"card rv\">\n        <div class=\"ic\"><svg fill=\"none\" stroke-width=\"2\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M2.25 21h19.5m-18-18v18m10.5-18v18m6-13.5V21M6.75 6.75h.75m-.75 3h.75m-.75 3h.75m3-6h.75m-.75 3h.75m-.75 3h.75M6.75 21v-3.375c0-.621.504-1.125 1.125-1.125h2.25c.621 0 1.125.504 1.125 1.125V21M3 3h12m-.75 4.5H21m-3.75 3.75h.008v.008h-.008v-.008Zm0 3h.008v.008h-.008v-.008Zm0 3h.008v.008h-.008v-.008Z\"\/><\/svg><\/div>\n        <h3>Production premises<\/h3>\n        <p>Investments in production buildings when they are part of a modernisation project. We check the eligibility of construction costs separately for each project.<\/p>\n      <\/div>\n      <div class=\"card rv\">\n        <div class=\"ic\"><svg fill=\"none\" stroke-width=\"2\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M3.75 13.5l10.5-11.25L12 10.5h8.25L9.75 21.75 12 13.5H3.75Z\"\/><\/svg><\/div>\n        <h3>Renewables and digitalisation<\/h3>\n        <p>Alongside the main investment: renewable energy sources, digital solutions and employee training. For investments only in energy efficiency, HBOR has a separate loan.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CONDITIONS -->\n<section style=\"padding-top:0\">\n  <div class=\"terms-outer wrap\" style=\"max-width:1208px\">\n    <div class=\"terms\">\n      <div class=\"wrap\">\n        <div class=\"sec-kicker\">Loan conditions<\/div>\n        <h2>Considerably more favourable than commercial loans<\/h2>\n        <div class=\"t-grid\">\n          <div class=\"t-cell\"><div class=\"t-num\">EUR 100,000 to 3,000,000<\/div><div class=\"t-cap\">loan amount<\/div><\/div>\n          <div class=\"t-cell\"><div class=\"t-num\">0% per year<\/div><div class=\"t-cap\">fixed interest on the ERDF part (50% of the loan)<\/div><\/div>\n          <div class=\"t-cell\"><div class=\"t-num\">up to 50%<\/div><div class=\"t-cap\">principal write-off (capital rebate)<\/div><\/div>\n          <div class=\"t-cell\"><div class=\"t-num\">up to 15 years<\/div><div class=\"t-cap\">repayment period<\/div><\/div>\n          <div class=\"t-cell\"><div class=\"t-num\">up to 3 years<\/div><div class=\"t-cap\">grace period<\/div><\/div>\n          <div class=\"t-cell\"><div class=\"t-num\">50 : 50<\/div><div class=\"t-cap\">ratio of ERDF to HBOR funds<\/div><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CAPITAL REBATE -->\n<section id=\"kalkulator\" style=\"padding-top:0\">\n  <div class=\"wrap\">\n    <div class=\"sec-kicker\">Capital rebate<\/div>\n    <h2>How much of the loan do you not have to repay?<\/h2>\n    <p class=\"sub\">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.<\/p>\n\n    <p style=\"margin-top:22px;font-size:15.5px;color:var(--navy-80)\">We explain in detail which criteria bring a write-off, how they are proven and which documents are required in the guide <a href=\"https:\/\/omniasolutions.hr\/en\/hbor-loan-production-modernisation-2026\/\">HBOR loan for production modernisation 2026: conditions, write-off and procedure<\/a>.<\/p>\n  <\/div>\n<\/section>\n\n<!-- ELIGIBILITY -->\n<section id=\"prihvatljivost\" style=\"padding-top:0\">\n  <div class=\"wrap\">\n    <div class=\"sec-kicker\">Eligibility<\/div>\n    <h2>Is the loan intended for your company?<\/h2>\n    <p class=\"sub\">The programme is intended for manufacturing companies that want to invest in development, expansion and modernisation. Check the basic criteria:<\/p>\n    <div class=\"elig-grid\">\n      <div class=\"elig-col rv\">\n        <h3><span class=\"badge yes\"><svg fill=\"none\" stroke-width=\"3\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m4.5 12.75 6 6 9-13.5\"\/><\/svg><\/span>You are eligible if\u2026<\/h3>\n        <ul>\n          <li>you are a micro, small or medium-sized private sector company (up to 249 employees)<\/li>\n          <li>you are registered for manufacturing (section C of the NKD classification of activities) and have a business unit in Croatia<\/li>\n          <li>you plan to invest in machinery, equipment, new products or expansion of production<\/li>\n          <li>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)<\/li>\n          <li>you settle your obligations regularly and are creditworthy (HBOR assesses each application)<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"elig-col neg rv\">\n        <h3><span class=\"badge no\"><svg fill=\"none\" stroke-width=\"3\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M6 18 18 6M6 6l12 12\"\/><\/svg><\/span>The programme is not for you if\u2026<\/h3>\n        <ul>\n          <li>you are a large company (250+ employees)<\/li>\n          <li>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)<\/li>\n          <li>the investment already started before the Investment Notification or the application was submitted<\/li>\n          <li>you are not in manufacturing (e.g. trade, services, primary agriculture) or the activity is on the programme&#8217;s list of ineligible activities<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n    <p style=\"margin-top:26px;font-size:14.5px;color:var(--navy-60)\">Not sure? This is exactly what the eligibility check is for. <a href=\"#kontakt\">Send an enquiry<\/a> and within one working day we will tell you whether you meet the basic conditions, with no obligation.<\/p>\n  <\/div>\n<\/section>\n\n<!-- PROCESS -->\n<section id=\"proces\" style=\"padding-top:0\">\n  <div class=\"wrap\">\n    <div class=\"sec-kicker\">How we work<\/div>\n    <h2>From idea to approval, we manage the entire procedure<\/h2>\n    <p class=\"sub\">Omnia Solutions from Zagreb specialises in combining EU funds and favourable sources of financing: <a href=\"https:\/\/omniasolutions.hr\/en\/hbor-loans-advisory-application-preparation\/\">HBOR loans<\/a>, <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loan-application-support\/\">loans from HAMAG-BICRO (Croatian Agency for SMEs, Innovations and Investments)<\/a> and <a href=\"https:\/\/omniasolutions.hr\/en\/eu-projects-preparation-implementation\/\">EU grants<\/a>.<\/p>\n    <div class=\"grid-4 steps\">\n      <div class=\"step rv\"><h3>Eligibility check<\/h3><p>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.<\/p><\/div>\n      <div class=\"step rv\"><h3>Investment structure<\/h3><p>We put together the financial structure, the investment phases and a strategy for maximising the capital rebate.<\/p><\/div>\n      <div class=\"step rv\"><h3>Documents and application<\/h3><p>We submit the Investment Notification, prepare the business plan or investment study and prepare the application with complete documentation.<\/p><\/div>\n      <div class=\"step rv\"><h3>Implementation and rebate<\/h3><p>We monitor implementation and reporting and prepare the evidence for the capital rebate.<\/p><\/div>\n    <\/div>\n\n    <div class=\"case\">\n      <a class=\"case-main rv\" href=\"https:\/\/omniasolutions.hr\/en\/hbor-loan-production-modernisation-50-principal-write-off\/\" target=\"_blank\" rel=\"noopener\" data-cta=\"case-study\" aria-label=\"Read the full case study: HBOR loan with 50% principal write-off\" style=\"display:flex;flex-direction:column;justify-content:flex-start;align-items:flex-start;gap:20px\">\n        <div class=\"sec-kicker\" style=\"margin-bottom:0\">From practice<\/div>\n        <h3 style=\"font-size:clamp(21px,2.4vw,26px);line-height:1.25\">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.<\/h3>\n        <span class=\"btn btn-navy\" style=\"margin-top:6px\">Read the full case study <span class=\"arr\">\u2192<\/span><\/span>\n      <\/a>\n      <div class=\"case-aside rv\">\n        <div class=\"big\">\u2248 EUR 730,000<\/div>\n        <p style=\"margin-top:6px\">of capital rebate (50% of the principal) for one client<\/p>\n        <hr>\n        <p><b>Why is preparation decisive?<\/b> The rebate criteria are defined before approval. From day one, the investment must be structured so that the criteria are achievable and provable.<\/p>\n        <hr>\n        <p><b>Applications are accepted until the allocation is used up!<\/b><\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"faq\" style=\"padding-top:0\">\n  <div class=\"wrap\">\n    <div class=\"sec-kicker\">Frequently asked questions<\/div>\n    <h2>Everything entrepreneurs ask most often<\/h2>\n    <div style=\"margin-top:34px\">\n      <details>\n        <summary>Who can apply for the HBOR loan for production modernisation?<\/summary>\n        <div class=\"a\">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&#8217;s list of ineligible activities.<\/div>\n      <\/details>\n      <details>\n        <summary>What can be financed with this loan?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>What is the interest rate on the HBOR loan for production modernisation?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>What share of the investment can HBOR finance?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>What is a capital rebate?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>What are the criteria for the capital rebate?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>Can I start the investment before the loan is approved?<\/summary>\n        <div class=\"a\">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&#8217;s decision to approve the loan are refunded from the loan. The loan application is submitted within 6 months of the Investment Notification.<\/div>\n      <\/details>\n      <details>\n        <summary>Which documents are required?<\/summary>\n        <div class=\"a\">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 &#8220;do no significant harm&#8221; (DNSH) principle and climate resilience are submitted. HBOR does not prepare the business plan or the study; we prepare the entire package.<\/div>\n      <\/details>\n      <details>\n        <summary>Are there any fees, and how is the application submitted?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>How long does the procedure take from application to disbursement?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>How much does the Omnia Solutions service cost?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n      <details>\n        <summary>Until when can applications be submitted?<\/summary>\n        <div class=\"a\">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.<\/div>\n      <\/details>\n    <\/div>\n    <p style=\"margin-top:26px;font-size:14.5px;color:var(--navy-60)\">Source: HBOR, <a href=\"https:\/\/www.hbor.hr\/krediti-za-modernizaciju-proizvodnje-1726\/1726\" target=\"_blank\" rel=\"noopener\">Loans for Production Modernisation (Krediti za modernizaciju proizvodnje)<\/a> (programme of 15 June 2026). Information checked on 13 October 2026.<br>More: <a href=\"https:\/\/omniasolutions.hr\/en\/hbor-loans-advisory-application-preparation\/\">all HBOR loans and application preparation<\/a> \u00b7 <a href=\"https:\/\/omniasolutions.hr\/en\/hbor-loans-processing-agricultural-products\/\">HBOR Loans for Processing of Agricultural Products<\/a> \u00b7 <a href=\"https:\/\/omniasolutions.hr\/en\/faq-eu-projects-hbor-hamag-bicro-loans\/\">frequently asked questions about EU projects, HBOR loans and HAMAG-BICRO loans<\/a><\/p>\n  <\/div>\n<\/section>\n\n<!-- CONTACT -->\n<section class=\"form-sec\" id=\"kontakt\" style=\"padding-top:0\">\n  <div class=\"wrap form-grid\">\n    <div>\n      <div class=\"sec-kicker\">Free eligibility check<\/div>\n      <h2>Find out within one day whether you meet the conditions<\/h2>\n      <p class=\"sub\" style=\"max-width:520px\">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.<\/p>\n      <div class=\"trust\">\n        <div class=\"trust-item\"><span class=\"badge yes\"><svg fill=\"none\" stroke-width=\"3\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m4.5 12.75 6 6 9-13.5\"\/><\/svg><\/span><span><strong>Reply within one working day.<\/strong><\/span><\/div>\n        <div class=\"trust-item\"><span class=\"badge yes\"><svg fill=\"none\" stroke-width=\"3\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m4.5 12.75 6 6 9-13.5\"\/><\/svg><\/span><span><strong>No obligation, the check does not commit you to anything.<\/strong><\/span><\/div>\n        <div class=\"trust-item\"><span class=\"badge yes\"><svg fill=\"none\" stroke-width=\"3\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m4.5 12.75 6 6 9-13.5\"\/><\/svg><\/span><span><strong>Confidentiality, the information is used only to reply to your enquiry.<\/strong><\/span><\/div>\n      <\/div>\n    <\/div>\n    <div class=\"pz-cta\"><p class=\"pz-k\">Free introductory call<\/p><p class=\"pz-t\">Not sure whether your investment qualifies for the HBOR loan?<\/p><p>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.<\/p><div class=\"pz-btns\"><a class=\"pz-b1\" href=\"mailto:info@omniasolutions.hr\">Email info@omniasolutions.hr<\/a><a class=\"pz-b2\" href=\"tel:+385977969679\">Call +385 97 7969 679<\/a><\/div><\/div>\n  <\/div>\n<\/section>\n\n<\/main>\n\n<footer>\n  <div class=\"wrap ft\">\n    <a class=\"logo-ft\" href=\"https:\/\/omniasolutions.hr\/en\/\" aria-label=\"Omnia Solutions\">\n      <svg role=\"img\" aria-label=\"Omnia Solutions logo\" width=\"153\" height=\"69\" viewBox=\"0 0 153 69\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M23.0622 16.0144H52.0274C57.7577 16.0144 62.403 20.9802 62.403 27.1058H55.4859C55.4859 25.0673 53.9344 23.4087 52.0274 23.4087H23.0622V16.0144ZM10.525 38.1972H39.4902V30.803H10.525C8.61801 30.803 7.06648 29.1444 7.06648 27.1058C7.06648 25.0673 8.61801 23.4087 10.525 23.4087H11.822V16.0144H10.525C4.7947 16.0144 0.149414 20.9802 0.149414 27.1058C0.149414 33.2315 4.7947 38.1972 10.525 38.1972ZM52.0274 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modernisation?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What can be financed with this loan?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is the interest rate on the HBOR loan for production modernisation?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What share of the investment can HBOR finance?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is a capital rebate?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What are the criteria for the capital rebate?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Can I start the investment before the loan is approved?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Which documents are required?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Are there any fees, and how is the application submitted?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How long does the procedure take from application to disbursement?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How much does the Omnia Solutions service cost?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Until when can applications be submitted?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"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.\"\n   }\n  }\n ]\n}\n<\/script>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>EUR 100,000 to 3,000,000 for manufacturing SMEs, 0% interest on the ERDF half of the loan, up to 50% capital rebate and up to 15 years of repayment.<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1714","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HBOR Loan for Production Modernisation: 0% Interest<\/title>\n<meta name=\"description\" content=\"HBOR loans of EUR 100,000 to 3 million for manufacturing SMEs: 0% interest on the ERDF half and up to 50% principal write-off. Free eligibility check.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/omniasolutions.hr\/en\/hbor-loan-production-modernisation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HBOR Loan for Production Modernisation: 0% Interest\" \/>\n<meta property=\"og:description\" content=\"HBOR loans of EUR 100,000 to 3 million for manufacturing SMEs: 0% interest on the ERDF half and up to 50% principal write-off. 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