ESIF Individual Guarantees

Zagrebačka banka and the Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) have concluded a Financing Agreement for Issuing Individual Guarantees Funded from the European Structural and Investment Funds based on which HAMAG-BICRO will approve investment loan guarantees (up to 80% of unpaid loan principal for guarantees up to EUR 4 million and up to 50% of unpaid loan principal for guarantees from EUR 4 million up to EUR 10 million, guarantee term up to 10 years) and working capital loan guarantees (up to 80% of unpaid loan principal for guarantees up to EUR 1 million, guarantee term up to 5 years).

HAMAG-BICRO from the funds of the National Recovery and Resilience Facility subsidizes up to 50% of the interest on new investment loans approved for green transition projects or ecologically acceptable production processes and improving the efficiency of the Final beneficiary's resources, projects for digitalization of the Final beneficiary's business and for projects aimed at strengthening competitiveness and resilience of the Final beneficiary's business.

For more detailed information about ESIF’s Individual Guarantees, please check please HAMAG-BICRO web site, contact your banker/Relationship Manager or visit one of our business centres.

This document was prepared with the support of the European Union. The views set out in this document do not reflect the official opinion of the European Union.

Zagrebačka banka participates in the implementation of a financial instrument co-financed by the European Regional Development Fund as part of the Competitiveness and Cohesion Operational Programme.