- Ulica kralja Zvonimira 36a, Zagreb
- info@happtory.hr
The private sector investment loan is intended for entrepreneurs who want to invest in starting, developing, and modernizing their business operations.
The purpose of the loan is to finance investments in tangible and intangible assets, such as the construction, reconstruction, or purchase of business premises, acquisition of equipment, machinery and tools, software, furnishing of new workplaces, and investments in solar systems, heat pumps, and similar solutions.
The investments are intended for starting or modernizing business operations, increasing capacities, and developing or introducing new technologies, products, or services.
Up to 30% of the loan amount may be used for working capital, such as raw materials, employee salaries, rent, utilities, marketing activities, and similar expenses.
Directly through HBOR (for loans above EUR 100,000) or in cooperation with commercial banks (for loans above EUR 50,000).
The maximum loan amount is not limited and depends on the specifics of the project and the entrepreneur’s creditworthiness.
In the case of cooperation with a commercial bank, the loan documentation is submitted to the commercial bank.
In the case of direct financing through HBOR, the complete documentation is submitted directly to HBOR.
A business consultant provides support in collecting the loan documentation, preparing the business plan or investment study, completing the required application forms, and submitting the documentation to the institution.
For the preparation of the loan application documentation, the investor must provide valid supplier offers or cost estimates for the items to be financed through the loan, the main project design and other technical documentation (permits, approvals, etc.), as well as their own financial contribution, which must be used before the loan funds are utilized.
Micro, small, medium-sized, and large enterprises (companies, crafts, sole proprietors, family farms, cooperatives, and institutions) that are not companies in financial difficulty.
For loans up to EUR 400,000, the interest rate is up to 3.90%.
For loans above EUR 400,000, the interest rate is determined by HBOR for each individual application, depending on the size of the company and other factors.
Interest rate reductions may be available.
Minimum loan amount: EUR 50,000 (through commercial banks) or EUR 100,000 (direct financing through HBOR); up to 75% of the investment value can be financed.
up to 20 years (up to 3 years of wait period)
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