Credit financing
HAMAG-BICRO
HAMAG-BICRO approves loans from the European Fund for Regional Development (ERDF) and other European funds, as support for entrepreneurs in the form of more favorable conditions compared to market ones. When approving loans, care is taken of the compliance of the subject of financing with the principle of "doing no significant harm" (DNSH), with EU climate goals and relevant EU and national legislation.
Loans are divided into investment loans and loans for working capital.
The following lines are currently active:
Users: Micro, small and medium entrepreneurs
Amount: 25,000.01 - 50,000.00 EUR
Interest rate: 3.11%
Start: up to 12 months
Repayment term: up to 10 years
Purpose: investment in fixed assets (tangible and intangible assets) and working capital (max up to 30% of the loan amount).
The goals of this financial instrument are to strengthen the sustainable growth and competitiveness of SMEs, create jobs, and encourage production investments.
ERDF Small Loans for Working Capital
Users: Micro and small entrepreneurs
Amount: 1,000.00 - 30,000.00 EUR
Interest rate: 3.61%
Waiting period: up to 6 months
Repayment period: up to 3 years
Purpose: investment in working capital (production preparation, raw materials and materials, employee salaries, lease of office space, overhead costs, etc.)
Users: Micro, small and medium-sized entrepreneurs in the agriculture and processing sector (OPG, craft, trading company, other legal entity)
Eligible sectors: Investments in primary agricultural production, investments in the processing of agricultural products, business development in rural areas
Amount: 1,000.00 - 30,000.00 EUR
Interest rate: 0.50%
Period: up to 12 months
Repayment period: up to 3 years
Purpose: investment in working capital (production preparation, raw materials and materials, employee salaries, lease of office space, overhead costs, etc.)
HBOR
Entrepreneurship of youth, beginners and women
Type: Investment loan
Beneficiaries: trading companies, artisans, OPG, cooperatives, institutions, natural persons who perform their activities independently - provided that they are young entrepreneurs, beginning entrepreneurs or women entrepreneurs.
Young entrepreneurs
Business entities in which one or more persons jointly own more than 50% of the property, and have not reached the age of 41 on the date of application submission
Women in entrepreneurship
Business entities in which at least one or more women jointly own more than 50% of the ownership and which are also managed by a woman.
In a company that is not micro or small, a woman or women together can have less than 50% ownership, provided that at least one woman is in one of the key management positions related to finance and/or operational affairs and/or strategy.
A novice entrepreneur
Business entities of micro, small and medium enterprises that have just been established or have been operating for less than 3 (three) years on the date of application submission. Real owners (natural persons) with a majority share in the business entity were not previously and are not currently owners or co-owners of another business entity with a share of more than 30%.
Amount: 50,000.00 - 300,000.00 EUR
Interest rate: 4 %
Age: 3-5 years
Repayment term: up to 12-14 years
Purpose:
investments in fixed assets (tangible and intangible assets) with the aim of starting a business, modernizing the business, introducing new technologies, increasing capacities, including tourism, developing and introducing new products or services, encouraging new employment, etc.,
investments in fixed assets (tangible and intangible assets) with the aim of recovering from the consequences of the earthquake and encouraging the economic development of Sisak-Moslavina County*.
working capital up to 30% of the agreed loan amount.
Lending method: through commercial banks or according to the risk sharing model or direct lending
Note: possible reduction of the interest rate for youth employment, with subsidies from the city/municipality/county, for entities that invest in earthquake recovery and economic development of Sisak-Moslavina County
Type: Investment loan
Users: trading companies, craftsmen, OPG, cooperatives, institutions, natural persons who perform their activities independently
Amount: above EUR 50,000.00
Interest rate: 4.5% (with possible reductions, depending on the type of investment)
Age: up to 4 years
Repayment period: up to 17 years
Purpose:
investments in fixed assets (tangible and intangible assets) with the aim of starting a business, modernizing the business, introducing new technologies, increasing capacities, including tourism, developing and introducing new products or services, encouraging new employment, etc.,
investments in fixed assets (tangible and intangible assets) with the aim of recovery from the consequences of earthquakes and working capital up to 30% of the contracted loan amount.
Lending method: through commercial banks or according to the risk sharing model or direct lending
Note: possible reduction of the interest rate for employment of young people, with subsidies from the city/municipality/county, for projects in accordance with the conditions of the NPOO, for entities investing in earthquake recovery and economic development of Sisak-Moslavina County
Type: Short-term, revolving or long-term loan for working capital
Users: trading companies, craftsmen, OPG, cooperatives, institutions, natural persons who perform their activities independently, business entities of the public sector
Amount: above EUR 50,000.00
Interest rate: 5% (with possible reductions, depending on the type of investment)
Grace period: up to 2 years for long-term loans
Repayment term: for short-term and revolving loans – up to 12 months; for long-term loans – up to 6 years
Purpose:
financing of current operations (e.g. procurement of raw materials, raw materials, semi-finished products, small inventory, settlement of obligations to suppliers, labor costs, general costs of current operations),
settlement of short-term liabilities to financial institutions, the state and other short-term liabilities, excluding the return of loans to the owner, related persons and other third parties, with a repayment term of up to 12 months.
Lending method: through commercial banks or according to the risk sharing model or direct lending
Note: possible interest rate reduction with subsidies from the city/municipality/county, for entities that invest in earthquake recovery and economic development of Sisak-Moslavina County
Our service
1.
Administrative verification of your company as a potential applicant
2.
Overview of available credit lines and selection of the most favorable line for your needs
3.
Defining the necessary administrative and technical documentation
4.
Preparation of a loan application (may include preparation of a business plan or investment study and other accompanying tables and forms, depending on the prescribed conditions for a particular credit line)
5.
Launching the application through the online application system
6.
Communication with the bank during the evaluation of the loan application
7.
Consulting during implementation, if necessary (control of documentation, visibility measures, etc.)
