Special financing programs

HBOR

Special financing programs

HBOR

Find out more
 

More favorable credit terms with lower interest rates!

RBA participates in the programme of the Croatian Bank for Reconstruction and Development, HBOR, by offering entrepreneurs the possibility for more favourable financing conditions at lower rates. 

HBOR loans

  • What are the long-term credit programmes in place?

    What are the long-term credit programmes in place?

    Click the individual links and learn about the details of every programme.

    Youth, Female and Start-up Enterpreneurship
    Private sector investments
    Public sector investments
    EU projects
    Export preparations
    Financial restructuring

  • What are the programmes for short-term, revolving or long-term loans for working capital?

    What are the programmes for short-term, revolving or long-term loans for working capital?

    Click on the programmes below and learn about the details of individual programmes.
    Working capital
    Financial restructuring
    Working capital Crisis 2022 – Measure 

  • What are the steps you need to take to be granted an RBA loan?

    What are the steps you need to take to be granted an RBA loan?

    1. Submit an application with RBA.
    2. If a positive decision is passed, the bank sends the application to the HBOR.
    3. After the HBOR's positive decision, RBA makes the agreement with you and collects the necessary security instruments as defined by the loan agreement.
    4. The bank disburses the loan. 
    Note: Individual investments can be financed through the Risk-Sharing Model, which means that RBA and the HBOR finance your project jointly in equal shares. In this case, the entrepreneur signs the loan agreement with the bank and the HBOR.

What if the situation in Ukraine impacts your business?

 

If the current crisis in Ukraine has caused difficulties in your business and you need new liquid assets, we stand at your disposal. Feel free to contact your banker at RBA so they can inform you of the financing possibilities for the following:
• financing purchase of raw materials, production materials, semi-finished products, small inventory,
• settlement of obligations to suppliers,
• labour costs and
• general operating expenses.

 

What types of financing do we offer?

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