{"id":1763,"date":"2025-08-19T16:15:04","date_gmt":"2025-08-19T14:15:04","guid":{"rendered":"https:\/\/omniasolutions.hr\/?p=1763"},"modified":"2026-11-02T15:22:38","modified_gmt":"2026-11-02T14:22:38","slug":"hamag-bicro-loans-start-ups-women-entrepreneurs","status":"publish","type":"post","link":"https:\/\/omniasolutions.hr\/en\/hamag-bicro-loans-start-ups-women-entrepreneurs\/","title":{"rendered":"HAMAG-BICRO Small Loans for Women Entrepreneurs and Start-ups up to EUR 100,000, conditions and status"},"content":{"rendered":"\n

Note, 30 October 2026.<\/strong> The programme Small Loans for Women Entrepreneurs and Start-up Entrepreneurs is temporarily closed because its funds have been used up, and no reopening date has been published. What is currently open for young people, women and start-ups is covered in our guide Grants and loans for young people, women and start-up entrepreneurs 2026<\/a>. This article was published in August 2025 as an announcement, and the conditions below have been aligned with the final programme text.<\/p>\n\n\n\n

Alongside the EU calls announced for the autumn of 2025 (for example the digitalisation call<\/a>), HAMAG-BICRO announced a loan for start-up entrepreneurs and women entrepreneurs, aimed at making initial investments easier and encouraging business growth, with the possibility of a principal write-off of up to 50%.<\/strong><\/p>\n\n\n\n

In brief<\/h2>\n\n\n\n
    \n
  • Small Loans for Women Entrepreneurs and Start-up Entrepreneurs are HAMAG-BICRO loans of EUR 25,001 to 100,000 at a fixed 0.5% interest rate, with a grace period of up to 1 year and repayment of up to 10 years including the grace period.<\/li>\n\n\n\n
  • Working capital may make up to 30% of the loan, and the drawdown period is 6 months from disbursement.<\/li>\n\n\n\n
  • Up to 50% of the drawn principal is written off with regular repayment and new hires, 10% per newly employed person, or 15% if the new employee is a woman or a person under 30.<\/li>\n\n\n\n
  • They are intended for micro, small and medium-sized enterprises younger than 3 years, enterprises in which women have held more than 50% for at least 2 years, and natural persons who are about to set up a company or a sole proprietorship.<\/li>\n\n\n\n
  • The programme is temporarily closed because its funds have been used up, and no reopening date had been published by 30 October 2026.<\/li>\n<\/ul>\n\n\n\n\n\n

    Financial instruments are one of the most effective ways to channel public funds smartly and to encourage the development of the companies that matter most to every economy, small and medium-sized enterprises. By focusing on projects with clear market potential, favourable sources of financing enable investment through loans, guarantees, interest rate subsidies, and equity and quasi-equity financing. In other words, they provide exactly the push that is missing for a good idea to grow into a sustainable business.<\/p>\n\n\n\n

    The loans are intended for micro, small and medium-sized enterprises <\/strong>(SMEs) in the following target groups:<\/p>\n\n\n\n

      \n
    • Start-up entrepreneurs (companies up to 3 years old)<\/li>\n\n\n\n
    • Companies majority-owned by women (for at least 2 years before the application is submitted)<\/li>\n\n\n\n
    • Natural persons who are only planning to open their own company or sole proprietorship (obrt)<\/li>\n<\/ul>\n\n\n\n

      What the loan can finance<\/strong><\/p>\n\n\n\n

      With this loan you can cover tangible and intangible investments, from equipment, machinery, software and technologies to investment in business development<\/strong>. <\/p>\n\n\n\n

      Financing of working capital up to a maximum of 30% of the loan<\/strong> is also allowed.<\/p>\n\n\n\n