Special financing programs
HAMAG BICRO guarantee
Raiffeisenbank Croatia participates in the guarantee programs of the Croatian Agency for SME HAMAG BICRO which provides a portion of the principal for investments or working capital to the entities of small entrepreneurship. RBA participates in the execution of 2 financial instruments:
- ESIF individual guarantees co-funded from the European Regional Development Fund within the scope of the Competitiveness and Cohesion Operational Program and
- Individual guarantees for Rural Development co-funded from the European agricultural fund for rural development, focused on agriculture, manufacturing and forestry sectors.
ESIF Individual Guarantees
In addition to providing a portion of the loan principal, the program of ESIF individual guarantees allows also an interest subsidy for particular business activities.
Benefits
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More favourable financing terms
More favourable financing terms in comparison to the standard offer
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Lower interest rate
Lower interest rate in comparison to the standard offer
Other Guarantee Programmes
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EU START-UP - up to 80% OF LOAN PRINCIPAL
Maximum amounts and guarantees
MEASURE A - INVESTMENTS
→ for expanding tourism offer and manufacturing industry capacity increase - max up to HRK 10 million
→ for all other activities - max up to HRK 3 million
MEASURE B – WORKING CAPITAL
→ max up to HRK 1 million
MEASURE C - INNOVATION
→ max up to HRK 5 million -
GROWTH - up to 50% OF LOAN PRINCIPAL, up to 70% for MEASURE C
Maximum amounts and guarantees
MEASURE A - INVESTMENTS
→ for expanding tourism offer and manufacturing industry capacity increase - max up to HRK 18 million
→ for all other activities - max up to HRK 7.5 million
MEASURE B – WORKING CAPITAL
→ for financing business activities - max up to HRK 4 million
→ for refinancing - max up to HRK 2.5 million
MEASURE C - INNOVATION
→ max up to HRK 7 million
Contact us
Ask for additional information
Visit us at any of our centres
Call us
RBA INFO line for business entities