Investment loans

You have a great business idea, but you’re afraid of additional costs? You’ve been thinking about investing in your business for months, but every time you get close, an unexpected expense pops up, taking you back to square one.

We at Happtory are here to help you find affordable financing.

There are investment loans with an interest rate of 0.4%, while for the same investment, loans with an interest rate of around 5% are also available. In the case of a loan of 400,000 EUR with a repayment period of 10 years, this difference in interest rates means you will pay an additional 100,000 EUR for the loan with the higher interest rate, for the same purpose.

We will find the best financing option for your business idea, without the fear of overindebtedness.

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Investment loans

The preparation of documentation for a loan depends on the loan amount being requested, the complexity of the investment, and whether you have the necessary data ready for the advisor. In collaboration with the advisor, you will create the set of documents required by each institution.

Obtaining a loan is a lengthy process, and during communication with the banker, you may exchange more than 50 emails! If you don’t want to find yourself in a situation where you run out of liquidity at a crucial moment, reach out to us with confidence!

What do you need to gather for preparing a loan application?
1. Offers and/or cost estimates with prices
2. Historical data about your business (from accounting)
3. Data about key clients and suppliers
4. Data about other liabilities
5. Your plan on how you plan to profit from the investment
6. Permits, if required for operations

You will get the loan if you request it on time. If you’re already in trouble because you don’t have money for regular operations, the loan will not be approved.

If you plan to purchase equipment in May, you should start the preparation process in January.

How can Happtory help you in the search for favorable loans?

If you are unsure about entering the entire loan approval process on your own or simply lack the time, and you do not want to find yourself without the optimal loan at a crucial moment, reach out to us with confidence! We can provide comprehensive support in the loan approval process, from searching for the optimal loan option to the final approval phase. Our service includes preparing applications for HBOR loans, ESIF loans , and more others, and we tailor our service depending on what is the better option for you.

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PREPARATION OF INVESTMENT STUDY FOR HBOR LOANS
SUPPORT IN NEGOTIATIONS WITH THE BANK

If you need us for the preparation of a loan application for HBOR, ESIF loans, or any other, we will:

  • Analyze currently available options for financing the investment
  • Alert you to the most common mistakes when seeking loans
  • Work with you to develop the financing structure
  • Provide support in collecting and reviewing all administrative and technical documentation
  • Prepare the entire set of required documentation for the loan application, such as investment studies, credit requests, client tables, self-assessment questionnaires, and other accompanying documentation

What are your benefits?

Due to our extensive experience, we will reduce the number of attempts and errors for you

We will expedite the approval process and reduce the number of iterations in communication with the bank

We will educate you about accounting terms, loans and processes

We take a broader perspective, which is why we will alert you to potential risks

Because of our approach, we are your right hand - we save you time

Because we are problem solvers, we will apply a solution to every challenge along the way

“Tatjana and Iva did a fantastic job and managed to secure EU funds for us, helping turn our ideas into reality. From the application process to the completion of the project, the Happtory team independently handled a significant part of the work, freeing us from bureaucratic concerns. They are a reliable partner who pays attention to details and does not overlook anything superficially.”

- Marko Čačić, Bitlight

“When a foreigner decides to invest in Croatia, he may not be aware of the complexities, steps, and misinformation involved. In all of this, navigating without the support of the Happtory team would be challenging. They have been with us from the very beginning, when we were just establishing the company; they helped us take advantage of the corporate tax relief; worked with us on preparing documentation for loans, and are there for all questions where we don’t know where to start. Happtory is our right hand in Croatia. We continue boldly forward!”

- Ivica Tomić, GER4TECH Robot Factory

“We don’t consider other options because when working with them, they contemplate various aspects in advance – how to achieve more, what potential risks there are, and how to overcome them. And everything is under control even in extremely short deadlines.”

- Francesco Gargano, Adma Pro

“The team from Happtory is a small group of highly skilled and approachable individuals. Tatjana was available 24/7 for all our questions, no matter how ‘silly’ they may have seemed to us. They demonstrated patience and helpfulness throughout the entire process and ultimately helped us achieve our goal. Warm recommendation!”

- Boris Barbir, Pine Studio

“After each completed project, I am truly happy because they have shortened my long to-do list with minimal effort on my part. They think about us even when we’re not in contact and make an effort to provide a different perspective and give us fresh ideas.”

- Ivana Prahović, Tiskara Pečarić Radočaj

“Everyone in entrepreneurship has their own vision, and personally, I believe that we shouldn’t expect anyone to share our enthusiasm and faith in what we do. However, from Tatjana and Iva, besides top-notch expertise and professionalism, we received an abundance of enthusiasm and empathy. It was truly a beautiful experience, and I am happy to have had the opportunity to work with them. I sincerely hope that we have only just begun”

- Josipa Maras, Studijo Wallart

“We think it’s enough to mention that Happtory is an urgent call in our contacts. And in the end, we are always happy.”

- Gala Marija Vrbanić, YCY

“I’m always happy to recommend good companies and people, and you are both!”

- Krešimir Paić, Eccos-inženjering

“In collaborations with others, we have not yet experienced a process flowing so smoothly. They are our project collaborators and are always there for us, quick, and open to various questions.”

- Dušanka Kirić, XD Fashion Group

Take a look at the current calls for grants for entrepreneurs

We bring you an overview of published and upcoming calls. In our database, you can also find closed calls that can serve as inspiration for you.

ALL CALLS

Investment Promotion Act

  • Open
Primary: Corporate Income Tax Incentives / Secondary: grants for salaries of new employees and employee training

Increase in the Development of Products and Services Resulting from R&D Activities, Phase 2

  • Closed
Support intended for innovative entrepreneurs for research and development projects aimed at developing new products

Transition to an Energy and Resource Efficient Economy

  • Open
Support intended for entrepreneurs from energy-intensive industries whose goal is the transition to an energy-efficient economy

Strengthening Strategic Partnerships for Innovations in the Process of Industrial Transition

  • Closed
Support intended for a consortium of entrepreneurs who are located in one of the regions outside Zagreb and want to develop innovative products/services/technologies
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