Special financing programs
HBOR
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
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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?
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?
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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Portfolio insurance scheme for liquidity
Exporters who have faced difficulties caused by the crisis can apply for a loan at the bank with the HBOR’s portfolio insurance, which protects against loan default. The policy insures up to 90% of the loan principal, and if a lower amount is insured, it covers also the respective interest rates. Significant benefit is that the insurance premium can be subsidized.
Feel free to contact your banker for more information. Also, the scheme conditions are available at the HBOR website:
• Programme for the portfolio insurance of liquidity loans for exporters - measure for support the economy of the Republic of Croatia following the Russian aggression against Ukraine
• Programme for the portfolio insurance of liquidity loans for exporters - measure to support the economy of the Republic of Croatia following the Russian aggression against Ukraine
•Programme for subsiding the insurance premium - measure to support the economy of the Republic of Croatia following the Russian aggression against Ukraine. -
Working capital Crisis 2022
This programme represents a credit line under which the bank and HBOR make a club loan with the entrepreneur and thus jointly, by equal shares finance the entrepreneur.
The line is offered to:
• private commercial companies,
• artisans,
• family farms (OPG) in the VAT system,
• self-employed activities,
• associations and institutions
• publicly owned companies, which can prove that the crisis affected their business.
Read more about the programme on Working capital CRISIS 2022 - measure.
Contact us
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RBA INFO line for business entities