The loans for entrepreneurs service is equally intended for start-up entrepreneurs or natural persons with a plan to establish a company, as well as for active business entities or companies that are already on the market. Given the rich experience in performing and communicating with credit and guarantee institutions in state and private ownership (HBOR, HAMAG-BICRO, commercial banks, etc.), for each project we are able to find the ideal source of funding and develop it in this direction. Depending on the type of investment, it is sometimes possible to choose the credit line that best suits the needs of the client / investor (or a combination of several of them), while sometimes this choice is narrowed. Each credit line has its own conditions and accompanying documentation (pre-planned forms - requests, statements, tables, questionnaires, etc.), which must be completed in an appropriate manner and in accordance with the Business Plan / Investment Study. In addition, not every credit line is intended for all entrepreneurs and types of investments (some lines, for example, are intended specifically for beginners, young people, women, individuals with a business start-up plan, only companies older than two years, etc.). Below are some of the current and most favorable credit lines for entrepreneurs and beginners, in the implementation of which we are very successful in mediating, most often on a turnkey basis.
LOANS FOR HAMAG-BICRO ENTREPRENEURS
ESIF loans are an excellent opportunity both for start-ups or start-ups (with a business start-up plan) and for active entrepreneurs in the micro, small and medium-sized enterprises sector. With the lowest interest rates on the market ranging from 0.5% (up to 1.5%), with the possibility of waiting up to a year, without processing costs and / or reservation of funds and without currency or interest rate risk (interest rates are fixed), Starting or improving a business has never been more profitable and easier. ESIF loans are divided into two investment programs (Micro up to EUR 25,000.00 and Small up to EUR 50,000.00) and one working capital program (up to EUR 25,000.00). Investment loans must be spent within 6 months, while working capital loans are spent within 3 months after the investment is made. Both are exclusively earmarked and serve future (new) investments, which means that refinancing, reprogramming, closing existing liabilities and the like is not possible. Investment loans are used mainly for investments in fixed assets (real estate, equipment, devices, machines, tools, etc.), whereby even these loans can allocate up to 30% of the amount of loans in working capital (minimum 70% must be allocated to fixed assets). working capital). Working capital is used to cover current costs - rent of business premises, salaries (gross), utilities, raw materials, raw materials, inventories, etc., depending on the type of business activity. Applicants for ESIF loans can be registered companies but also individuals with a plan to establish a company. We have prepared special offers and discounts on our services for both.
ESIF LOANS FOR RURAL DEVELOPMENT
Financial instruments Micro Loans for Rural Development and Small Loans for Rural Development are intended for small businesses, and are co-financed from the European Agricultural Fund for Rural Development. Under these Financial Instruments, small business entities in the agricultural, processing and forestry sectors are directly granted loans in accordance with the terms of the Rural Development Program of the Republic of Croatia for the period 2014-2020. The conditions are similar to classic investment loans (Micro and Small) , with the exception of interest rates of as little as 0.1% (for the dairy sector) and 0.5% to a maximum of 1% for other sectors. You can find out more about HAMAG-BICRO's ESIF loans here.
I NEED AN ESIF LOAN
LOANS FOR ENTREPRENEURS OF HBOR (DIRECTLY AND / OR THROUGH COMMERCIAL BANKS)
YOUTH ENTREPRENEURSHIP, WOMEN AND BEGINNERS
Eligible beneficiaries are private sector business entities - companies, craftsmen, self-employed individuals, family farms (OPG), cooperatives and institutions, which are young entrepreneurs, start-up entrepreneurs and women entrepreneurs. The highest loan amount is HRK 2,000,000.00, depending on the specifics and creditworthiness of the borrower and the purpose and structure of the investment, where up to 85% of the estimated value of the investment can be credited without VAT, except for loans up to 700,000.00 HRK where it is possible to credit up to 100% of the estimated value of the investment without VAT. You can find out more about this line of credit here.
PRIVATE SECTOR INVESTMENTS
Eligible beneficiaries are private sector business entities - companies, craftsmen, self-employed natural persons, family farms (OPG), cooperatives and institutions. The maximum loan amount is not limited, but depends on the specifics and creditworthiness of the borrower, the purpose and structure of the investment and the available sources of financing of HBOR, where up to 75% of the estimated value of the investment can be credited without VAT. You can find out more about this line of credit here. You can find out more about this line of credit here.
ESIF LOANS FOR ENTREPRENEURS
• ESIF LOANS FOR GROWTH AND DEVELOPMENT
Eligible beneficiaries are small and medium-sized enterprises that operate in the territory of the Republic of Croatia for at least 2 years before applying for a loan, that meet all eligibility conditions and that plan investments in eligible sectors. The method of lending is exclusively through commercial banks, and you can find out more about this credit line here.
• INVESTMENT LOANS FOR RURAL DEVELOPMENT
Eligible loan beneficiaries are farmers and processors of agricultural products and entities operating in the forestry sector. The method of crediting is exclusively through business and you can find out more about this line of credit here.
OTHER LOANS FOR HBOR ENTREPRENEURS
EXPORTS, PUBLIC SECTOR INVESTMENTS, EU PROJECTS, CURRENT ASSETS, FINANCIAL RESTRUCTURING
You can find out more about these lines of credit here.
I NEED A LOAN FOR HBOR
LOANS FOR ENTREPRENEURS OF COMMERCIAL BANKS
Most commercial banks operating in the territory of the Republic of Croatia have credit lines intended for entrepreneurs, although most often they are not intended for beginners. The terms of credit lines vary from bank to bank and depend on the business policy of each.
I NEED A LOAN FOR ENTREPRENEURS