{"id":1759,"date":"2025-10-16T19:32:50","date_gmt":"2025-10-16T17:32:50","guid":{"rendered":"https:\/\/omniasolutions.hr\/?p=1759"},"modified":"2026-11-02T22:43:36","modified_gmt":"2026-11-02T21:43:36","slug":"hamag-bicro-national-loans-investment-working-capital","status":"publish","type":"post","link":"https:\/\/omniasolutions.hr\/en\/hamag-bicro-national-loans-investment-working-capital\/","title":{"rendered":"HAMAG-BICRO National Loans for Investment and Working Capital, conditions and status"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><em>Updated 30 October 2026. Both national loans are temporarily closed because their funds have been used up, and no reopening date has been published. To see which programmes are currently open, read the guide <\/em><\/strong><a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-2026\/\"><em><strong>HAMAG-BICRO loans 2026<\/strong>.<\/em><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the already <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-start-ups-women-entrepreneurs\/\">published attractive lines for start-up entrepreneurs and women entrepreneurs<\/a>, the Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) also opened two national loan lines for micro, small and medium-sized enterprises, with a principal subsidy of 20% to 50% for borrowers from municipalities and towns in development index groups I to IV. Both programmes are now temporarily closed because their funds have been used up. These loans provide favourable access to financing and offer flexible conditions for further business development. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In brief<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The National Loan for Investment is EUR 25,000.01 to 150,000 at the base rate for Croatia plus 0.5 percentage points, with a grace period of up to 6 months and repayment of up to 10 years including the grace period.<\/li>\n\n\n\n<li>The National Loan for Working Capital is EUR 1,000 to 50,000 at the base rate plus 1 percentage point, with a grace period of up to 3 months and repayment of up to 3 years.<\/li>\n\n\n\n<li>The base rate for Croatia has been 2.71% since 1 July 2026, which gives 3.21% for investment and 3.71% for working capital. The rate is set on the date the application is received and stays fixed until the loan is repaid.<\/li>\n\n\n\n<li>Borrowers with their registered office and activity in municipalities and towns in development index groups I to IV receive a subsidy of 20% to 50% of the drawn principal, until 31 December 2027 or until the funds are used up.<\/li>\n\n\n\n<li>Both programmes are temporarily closed because their funds have been used up, and no reopening date had been published by 30 October 2026.<\/li>\n<\/ul>\n\n\n\n<div class=\"omnia-program\" data-program=\"nacionalni-zajmovi\" style=\"border:1px solid #d6dfe8;border-radius:12px;overflow:hidden;margin:0 0 28px;font-size:15px;line-height:1.5\">\n<p style=\"margin:0;padding:12px 14px;background:#f4f7fa;font-weight:700;font-size:16px\">National Loans for Investment and National Loans for Working Capital<span style=\"display:block;font-weight:400;font-size:13px;color:#5b6470\">Programme at a glance \u00b7 checked 2 November 2026<\/span><\/p>\n<table style=\"width:100%;border-collapse:collapse;margin:0;border:0\">\n<tbody>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Provider<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">HAMAG-BICRO (direct loans); principal subsidy run with the Ministry of Demography and Immigration<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Type<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Loan (with a possible partial principal subsidy)<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Who can apply<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Micro, small and medium-sized businesses operating in Croatia with at least one full-time employee and no blocked account<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Who cannot apply<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Agriculture and fisheries, financial services, real estate, leasing, tobacco; for investment loans also residential property and passenger cars<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Amount<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Investment EUR 25,000.01 to EUR 150,000; working capital EUR 1,000 to EUR 50,000<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Terms<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Base rate plus 0.5 pp (investment) or 1 pp (working capital), fixed; grace up to 6 or 3 months; repayment up to 10 or 3 years; principal subsidy up to 50% (development groups I to IV)<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">How to apply<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">Online, through the HAMAG-BICRO system (applications not possible at the moment)<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Legal basis<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\">De minimis, Regulation (EU) 2023\/2831; principal subsidy under the Demographic Revitalisation Programme (OG 114\/2025), also de minimis<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Status<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\"><span style=\"display:inline-block;padding:2px 10px;border-radius:999px;background:#eef1f4;color:#46505b;font-weight:600;font-size:13px;margin:0 0 4px\">Temporarily closed<\/span><br>Temporarily closed since 17 December 2025 at 4 p.m. after the funds were used up; no reopening announced<\/td><\/tr>\n<tr><th scope=\"row\" style=\"text-align:left;vertical-align:top;width:32%;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#f8fafc;color:#5b6470;font-weight:600;font-size:14px\">Official source<\/th><td style=\"vertical-align:top;padding:9px 14px;border:0;border-top:1px solid #e3e9ef;background:#fff\"><a href=\"https:\/\/hamagbicro.hr\/financijski-instrumenti\/kako-do-zajma\/investicije\/nacionalni-zajmovi-za-investicije\/\" target=\"_blank\" rel=\"noopener\">HAMAG-BICRO, National Loans for Investment (in Croatian)<\/a><\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><u>National Loan for Investment (Nacionalni zajam za investicije)<\/u><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan amount<\/strong>: EUR 25,000 to 150,000<br><strong>Repayment period<\/strong>: 1 to 10 years<br><strong>Grace period<\/strong>: up to 6 months<br><strong>Interest<\/strong>: favourable interest rates based on the base interest rate of the Republic of Croatia, plus 0.5 percentage points. The base rate for Croatia has been 2.71% since 1 July 2026, which gives 3.21%. The rate for the period from 1 November 2026 had not been published by the European Commission by 30 October 2026, and the interest rate is set from the base rate on the date the application is received and stays fixed for the whole repayment period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Purpose of the loan<\/strong><br>This loan is intended to finance investment in fixed assets, such as production equipment, technology, business premises and the modernisation of production lines. It can also be used for working capital (up to 30% of the loan amount), which allows entrepreneurs to invest in long-term growth and business improvement. This loan gives entrepreneurs the opportunity to increase capacity, improve production efficiency and quality, and expand their business activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reimbursement of costs already paid<\/strong><br>Up to 20% of the loan amount may be used to reimburse investment costs that have already been paid. This is a rule on eligible costs in the programme, it is neither a principal write-off nor linked to hiring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who can apply?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Micro, small and medium-sized enterprises with a registered place of business and activity in Croatia<\/li>\n\n\n\n<li>Entities with at least one full-time employee<\/li>\n\n\n\n<li>Entrepreneurs with a sound financial history and no blocked accounts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><u>National Loan for Working Capital (Nacionalni zajam za obrtna sredstva)<\/u><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan amount<\/strong>: EUR 1,000 to 50,000<br><strong>Repayment period<\/strong>: 1 to 3 years<br><strong>Grace period<\/strong>: up to 3 months<br><strong>Interest<\/strong>: favourable interest rates based on the base interest rate of the Republic of Croatia, plus 1 percentage point. With the base rate of 2.71%, valid from 1 July 2026, the interest rate is 3.71%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Purpose of the loan<\/strong><br>This loan is intended to finance current operating costs, including raw materials, supplies, employee salaries, rent for business premises and overheads. It is an ideal solution for entrepreneurs who want to maintain liquidity and ensure smooth operations. Given the nature of working capital, the loan allows entrepreneurs to secure uninterrupted production and salaries and to carry out other day-to-day operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who can apply?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entrepreneurs operating in Croatia<\/li>\n\n\n\n<li>Entrepreneurs with a sound business history and no blocked accounts<\/li>\n\n\n\n<li>Entrepreneurs who use the funds for specific operating costs of the business<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Application requirements<\/strong><br>To apply for this loan, entrepreneurs must submit a business plan, certificates of regular repayment of existing liabilities and other financial documents required for the application. As with the investment loan, the application is submitted through HAMAG-BICRO&#8217;s official system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both lines offer <strong><u>a principal subsidy of up to 50% for borrowers from municipalities and towns in development index groups I to IV<\/u><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For entrepreneurs with their registered office in<a href=\"https:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2024_01_3_60.html\"> <strong>local government units classified in development index groups I to IV<\/strong><\/a>, there is <strong>a principal subsidy under the Demographic Revitalisation Programme of 50% in group I, 40% in group II, 30% in group III and 20% in group IV, until 31 December 2027 or until the funds are used up. The conditions are a registered office and activity in that municipality or town, no unpaid public levies or blocked accounts, and at least one full-time employee<\/strong>!<\/p>\n\n\n\n<style>\n.oi{background:#f6f8fb;border:1px solid #d9e1ea;border-radius:18px;padding:22px 22px 16px;margin:32px 0;color:#002245;font-family:inherit;font-size:15px;line-height:1.45;max-width:100%;overflow:hidden}\n.oi *{box-sizing:border-box}\n.oi p{margin:0 0 8px !important;color:#002245 !important;font-size:inherit}\n.oi .oi-k{font-size:12px !important;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#4a5d75 !important;margin:0 0 4px !important}\n.oi .oi-t{font-size:19px !important;font-weight:800;line-height:1.3 !important;margin:0 0 14px !important}\n.oi .oi-cap{display:block;font-size:12.5px;line-height:1.4;color:#4a5d75;margin:14px 0 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#d9e1ea;background:#fff}\n.oi-seg{display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;padding:0 6px;white-space:nowrap;overflow:hidden}\n.oi-seg.oi-s1{background:#ccff91;color:#002245}\n.oi-seg.oi-s2{background:#002245;color:#fff}\n.oi-seg.oi-s3{background:#e9eef4;color:#002245}\n.oi .oi-leg{display:flex;flex-wrap:wrap;gap:6px 16px;margin:8px 0 4px !important;font-size:13px !important;line-height:1.35;color:#4a5d75 !important}\n.oi-leg span{display:inline-flex;align-items:center;gap:6px}\n.oi-leg i{display:inline-block;width:12px;height:12px;border-radius:3px;border:1px solid #d9e1ea}\n.oi .oi-leg + .oi-tiles,.oi .oi-leg + .oi-sub{margin-top:16px !important}\n.oi-chk{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:8px}\n.oi-ci{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid #d9e1ea;border-radius:12px;padding:10px 12px;font-size:14px;line-height:1.4;color:#002245;min-width:0}\n.oi-ci svg{flex:0 0 22px;width:22px;height:22px;margin-top:1px}\n.oi-ci.oi-no{color:#4a5d75}\n.oi-chk.oi-sm{grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}\n.oi-chk.oi-sm .oi-ci{padding:8px 10px;font-size:13.5px}\n.oi .oi-sub{font-size:13px !important;font-weight:700;color:#4a5d75 !important;margin:18px 0 8px !important;text-transform:uppercase;letter-spacing:1px}\n.oi-lad{display:flex;flex-direction:column;gap:8px}\n.oi-lr{display:grid;grid-template-columns:minmax(110px,30%) 1fr;gap:10px;align-items:center}\n.oi-lr .oi-ll{font-size:13.5px;line-height:1.25;color:#002245;font-weight:600}\n.oi-lr .oi-ll small{display:block;font-weight:400;color:#4a5d75;font-size:12px}\n.oi-lt{display:grid;grid-template-columns:repeat(9,1fr);gap:3px}\n.oi-lt i{display:block;height:24px;border-radius:4px;background:#fff;border:1px solid #d9e1ea;font-style:normal;font-size:11.5px;line-height:22px;text-align:center;color:#4a5d75}\n.oi-lt i.oi-on{background:#002245;border-color:#002245;color:#ccff91;font-weight:700}\n.oi-lt i.oi-h{background:#ccff91;border-color:#ccff91;color:#002245;font-weight:700}\n.oi-lr.oi-head .oi-lt i{background:transparent;border:0;font-weight:700;color:#002245}\n@media (max-width:560px){.oi{padding:18px 14px 14px}.oi .oi-t{font-size:17px !important}.oi-br{grid-template-columns:1fr auto;gap:4px 10px}.oi-br .oi-bl{grid-column:1 \/ -1}.oi-lr{grid-template-columns:1fr;gap:4px}.oi-tile b{font-size:20px}.oi-seg{font-size:12px}}\n<\/style>\n<figure class=\"oi\" id=\"oi-1759-1\" aria-labelledby=\"oi-1759-1-t\">\n<p class=\"oi-k\">HAMAG-BICRO<\/p>\n<p class=\"oi-t\" id=\"oi-1759-1-t\">HAMAG-BICRO national loans at a glance<\/p>\n<div class=\"oi-tiles\"><div class=\"oi-tile\"><b class=\"oi-lg\">EUR 25,000.01 to 150,000<\/b><span>investment loan, grace period up to 6 months, repayment up to 10 years<\/span><\/div><div class=\"oi-tile\"><b class=\"oi-lg\">EUR 1,000 to 50,000<\/b><span>working-capital loan, grace period up to 3 months, repayment up to 3 years<\/span><\/div><div class=\"oi-tile\"><b class=\"oi-lg\">base rate + 0.5 pp<\/b><span>interest on investment loans; working capital + 1 pp. With a base rate of 2.71% this is 3.21% and 3.71%<\/span><\/div><div class=\"oi-tile oi-a\"><b>up to 50%<\/b><span>principal subsidy for borrowers from municipalities and towns in development index groups I to IV<\/span><\/div><\/div><p class=\"oi-sub\">Principal subsidy by development index group of the municipality or town<\/p><div class=\"oi-bars\"><div class=\"oi-br oi-a\"><span class=\"oi-bl\">Group I<\/span><span class=\"oi-bt\"><span class=\"oi-bf\" style=\"width:100%\"><\/span><\/span><span class=\"oi-bv\">50%<\/span><\/div><div class=\"oi-br\"><span class=\"oi-bl\">Group II<\/span><span class=\"oi-bt\"><span class=\"oi-bf\" style=\"width:80%\"><\/span><\/span><span class=\"oi-bv\">40%<\/span><\/div><div class=\"oi-br\"><span class=\"oi-bl\">Group III<\/span><span class=\"oi-bt\"><span class=\"oi-bf\" style=\"width:60%\"><\/span><\/span><span class=\"oi-bv\">30%<\/span><\/div><div class=\"oi-br\"><span class=\"oi-bl\">Group IV<\/span><span class=\"oi-bt\"><span class=\"oi-bf\" style=\"width:40%\"><\/span><\/span><span class=\"oi-bv\">20%<\/span><\/div><\/div>\n<figcaption class=\"oi-cap\">The infographic shows the amounts, interest rate and principal subsidy by development index group under the HAMAG-BICRO programme. The subsidy runs until 31 December 2027 or until the funds are used up. On 30 October 2026 both programmes were temporarily closed because their funds had been used up.<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><u>Why these loans matter for entrepreneurs<\/u><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>National Loans for Investment<\/strong> and <strong>National Loans for Working Capital<\/strong> offer exceptional opportunities for entrepreneurs who want to improve their business. These loans provide favourable access to financing, with flexible repayment terms and favourable interest rates. In addition, the principal subsidy for borrowers from less developed municipalities and towns makes them even more attractive for entrepreneurs who want to expand their capacity and increase employment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in fixed assets such as technology and production equipment allows entrepreneurs to become more competitive in the market, while financing working capital helps entrepreneurs keep their business stable. These loans are key support for further development and business stability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which HAMAG-BICRO loans are currently open is covered in our guide <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-2026\/\">HAMAG-BICRO loans 2026<\/a>. While the national loans are closed, check the conditions of the <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-micro-loans-growth-inclusion-2026\/\">Micro Loan for Growth and Inclusion<\/a> for investments up to EUR 50,000, and <a href=\"https:\/\/omniasolutions.hr\/en\/hbor-loans-for-entrepreneurs-2026\/\">HBOR loans for entrepreneurs 2026<\/a> for larger investments. How a EUR 50,000 loan compares with an HBOR and a bank loan is worked out in our article <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-loan-experience-hbor-bank-comparison\/\">HAMAG loan in practice<\/a>.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How to apply<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more information on the application conditions, required documentation and the application procedure, contact us at <strong><a href=\"mailto:info@omniasolutions.hr\">info@omniasolutions.hr<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions about HAMAG-BICRO national loans<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Are the HAMAG-BICRO national loans open?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Both programmes are temporarily closed because their funds have been used up, and no reopening date had been published by 30 October 2026. We track the status of all HAMAG-BICRO programmes in the guide <a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-2026\/\">HAMAG-BICRO loans 2026<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the interest rate on a national loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The interest rate is the base rate for Croatia on the date the application is received plus 0.5 percentage points for investment, or plus 1 percentage point for working capital, and it stays fixed until the loan is repaid. With the base rate of 2.71%, valid from 1 July 2026, this is 3.21% and 3.71%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How large is the principal subsidy by development index group?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">50% of the drawn principal in group I, 40% in group II, 30% in group III and 20% in group IV, until 31 December 2027 or until the funds are used up. The borrower must have its registered office and activity in that municipality or town, no unpaid public levies or blocked accounts, and at least one full-time employee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who can apply for a national loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Micro, small and medium-sized enterprises with a registered place of business and activity in Croatia and at least one full-time employee. Agriculture and fisheries, financial activities, real estate, leasing, tobacco, residential property and passenger cars are excluded.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"@id\": \"https:\/\/omniasolutions.hr\/en\/hamag-bicro-national-loans-investment-working-capital\/#faq\",\n \"inLanguage\": \"en\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Are the HAMAG-BICRO national loans open?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"No. Both programmes are temporarily closed because their funds have been used up, and no reopening date had been published by 30 October 2026. 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The borrower must have its registered office and activity in that municipality or town, no unpaid public levies or blocked accounts, and at least one full-time employee.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Who can apply for a national loan?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Micro, small and medium-sized enterprises with a registered place of business and activity in Croatia and at least one full-time employee. Agriculture and fisheries, financial activities, real estate, leasing, tobacco, residential property and passenger cars are excluded.\"\n   }\n  }\n ]\n}\n<\/script>\n\n\n\n<h3 class=\"wp-block-heading\">Guide: HAMAG-BICRO loans 2026<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-2026\/\">HAMAG-BICRO loans 2026<\/a>: all programmes with their status on the date of review, interest rates and conditions for principal write-off.<\/li>\n\n\n\n<li><a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-micro-loans-growth-inclusion-2026\/\">Micro Loans for Growth and Inclusion 2026<\/a>: EUR 1,000 to 50,000 at 0.5% interest, with a principal write-off of up to 30%.<\/li>\n\n\n\n<li><a href=\"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loan-application-support\/\">HAMAG-BICRO loans: advice and application support<\/a>, how we prepare the application and what you need to send us for review.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&gt;&gt; <a href=\"https:\/\/omniasolutions.hr\/en\/business-funding-guides-2026\/\">All 2026 guides in one place<\/a><\/p>\n\n\n\n<div class=\"omnia-autor\" style=\"display:flex;gap:20px;align-items:flex-start;background:#f4f7fa;border-left:5px solid #9ED36A;border-radius:0 18px 18px 0;padding:22px 24px;margin:40px 0\"><img decoding=\"async\" src=\"https:\/\/omniasolutions.hr\/wp\/wp-content\/uploads\/2026\/10\/matija-vlahovski-omnia-solutions-150x150.webp\" alt=\"Matija Vlahovski, Omnia Solutions\" width=\"96\" height=\"96\" loading=\"lazy\" style=\"width:96px;height:96px;border-radius:50%;object-fit:cover;flex:0 0 96px\"><div><p style=\"margin:0 0 4px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#5b6470\">About the author<\/p><p style=\"margin:0 0 8px;font-size:20px;font-weight:700;color:#002245\"><a href=\"https:\/\/omniasolutions.hr\/en\/author\/mvlahovski\/\" style=\"color:#002245;text-decoration:none\">Matija Vlahovski, MSc in Economics<\/a><\/p><p style=\"margin:0 0 10px;line-height:1.55\">Co-founder and director of Omnia Solutions. He has more than ten years of experience in business financing, mostly with HAMAG-BICRO loans, HBOR loans, investment studies and tax incentives. He has taken part in more than 90 projects, through which clients were awarded more than EUR 12 million in grants and more than EUR 2 million in tax incentives. Before consulting, he worked at Privredna banka Zagreb, preparing loan proposals for small and medium-sized enterprises. He holds a HANFA licence.<\/p><p style=\"margin:0;font-size:15px\"><a href=\"https:\/\/www.linkedin.com\/in\/matija-vlahovski-247632110\/\" rel=\"noopener\" target=\"_blank\">LinkedIn<\/a> \u00b7 <a href=\"tel:+385977969679\">+385 97 7969 679<\/a> \u00b7 <a href=\"mailto:info@omniasolutions.hr\">info@omniasolutions.hr<\/a><\/p><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Programme temporarily closed. HAMAG-BICRO loans of EUR 25,000 to 150,000 for investment and EUR 1,000 to 50,000 for working capital, up to 50% write-off.<\/p>\n","protected":false},"author":6,"featured_media":685,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20,18],"tags":[79,81],"class_list":["post-1759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financing-and-incentives","category-news","tag-poticaji-en","tag-proizvodnja-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HAMAG-BICRO national loans: conditions and status<\/title>\n<meta name=\"description\" content=\"HAMAG-BICRO national loans are temporarily closed. 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