MAKE more FAVORABLE FINANCING happen: Cooperation with local governments
We cooperate with counties and cities to provide more favorable loan conditions and subsidized interest rates for entrepreneurs investing in their regions. This means that for the approved loan, the subsidizer (city or county) pays part or all of the interest rate as long as the entrepreneur repays the loan regularly.
The loans are intended for micro, small and medium-sized enterprises and can be used for investments or working capital. The specific conditions are determined by each competition.
How can you access subsidies for business loans?
Submit a subsidy application to your county/city or the subsidizer that has announced the competition
If the subsidy is approved, submit a loan application to RBA
If the loan is approved, you sign the loan agreement with the bank and provide the agreed collateral instruments for the loan
We disburse the funds to your account
Subsidized interest rate for HBOR (Croatian Bank for Reconstruction and Development) loans
Certain counties or cities exclusively subsidize the interest rate if the loan is approved through the HBOR program.In that case, you first submit the application to the bank. After a positive assessment, RBA submits the request to the subsidizer.
With which subsidizers do we collaborate?
COUNTY
- Dubrovačko-neretvanska County
- Sisačko-moslavačka County
- Osječko-baranjska County
- Splitsko-dalmatinska County
- Karlovačka County
- Istarska County
- Šibensko-kninska County
- Zadarska County
- Primorsko-goranska County
- Zagrebačka County
- Virovitičko podravska County
CITIES AND MUNICIPALITIES
- City of Kastav
- City of Bjelovar
- City of Bakar
- City of Sisak
- City of Umag
