Special financing programs

Special financing programs

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Take the opportunity of financing at more favorable conditions

With the aim of strengthening the economy in Croatia, RBA participates in special programs of domestic and international financial institutions that support the development of  small and medium enterprise.

Why to choose special financing programs?

  • More favorable lending terms

    More favorable lending terms

    Lower interest rates compared to the regular and the possibility of realization of the loan with the instruments of payment, depending on the assessment of the creditworthiness of the borrower.

  • Subsidized interest

    Subsidized interest

    In collaboration with the Ministries and local and regional governments loan offer for development of small and medium-sized enterprises with subsidized interest rate.

  • Guarantees

    Guarantees

    By issuing guarantees allows for easier and quicker realization of loans and the possibility of credit insurance to entrepreneurs who are unable to provide adequate security.

Choose a program

 
  • Loans for women entrepreneurs (EBRD)
    • In cooperation with the European Bank for Reconstruction and Development (EBRD), we provide a credit line aimed at strengthening SMEs in Croatia, with a special emphasis on companies run by women.
      Within the programme women entrepreneurs have the opportunity for business consultations, education and training, and use of Business Lens online tool for business analysis! More information

  • Loans for small and medium-sized enterprises (EBRD)
    • European Bank for Reconstruction and Development (EBRD) and Raiffeisenbank Austria d.d. Zagreb (RBA), by entering into a business cooperation agreement, joins forces in providing support to small and medium-sized enterprises that form the backbone of the Croatian economy. More information

  • EIF guarantee
    • With the aim of further strengthening entrepreneurship in Croatia, the RBA has concluded a Guarantee Agreement with the European Investment Fund (EIF) to encourage small and medium-sized enterprises. Issuance of guarantees allows easier and faster realization of loans as well as the possibility of securing loans to entrepreneurs who are not able to offer adequate insurance. More information

  • HAMAG BICRO jamstva
    • Raiffeisenbank Croatia participates in the HAMAG BICRO guarantee programmes of the Croatian Agency for SMEs, Innovation and Investments, which provide a portion of the loan principal to small business entities for investments or working capital. RBA participates in the implementation of the financial instrument co-financed from the European Regional Development Fund within the scope of the Operational Programme Competitiveness and Cohesion through the ESIF Programme of individual guarantees. More information

  • HBOR
    • Loans are approved in cooperation with HBOR, whose purpose is to encourage lending to small and medium entrepreneurship, entrepreneurs - beginners, development of manufacturing, agricultural and export activities and investment in areas of special state concern. More information

  • In cooperation with the Ministry of Economy, Business and Trade and with local governments
    • In cooperation with the Ministry of Economy, Business and Trade and with local governments RBA offers special programs designed to promote economic development.  More information

  • Cooperation with the Chamber of Crafts Zagreb
    • Raiffeisen Bank and Raiffeisen Leasing in cooperation with the Chamber of Crafts Zagreb provide special conditions for the Chamber members involved in the project Artifex. More information