NRRP Guarantee

Croatian Bank for Reconstruction and Development (HBOR), from the funds of the National Recovery and Resilience Plan (NRRP), implements Financial Instrument of Guarantee Fund for Loans to Mid-Caps and Large Enterprises (Financial Instrument).

The objective of the Financial Instrument is to facilitate access to financing for Mid-Caps and large enterprises through the issuance of guarantees, encouraging in this way capital investments in new technologies and equipment, expansion of production and/or service capacities and other purposes necessary for strengthening competitiveness and green and digital transition.

NRRP funds are intended for financing investments in the territory of Republic of Croatia in green transition and/or digital transition and/or strengthening competitiveness and resilience.

Guarantee can be issued for loans for investments in:

• Fixed assets (tangible and intangible assets) aiming at business start-up, modernisation of business, introduction of new technologies, increase in capacities (including tourist capacities), development and introduction of new products and services, digitisation of business, investment in environmentally acceptable production processes and resources efficiency, research, development etc.,
• Working capital necessary for the implementation of investments and growth of final beneficiaries: up to 30% of the contracted loan amount.

Investments must be compliant with the Do No Significant Harm principle.

The Programme implementation period (deadline for the signing of Guarantee agreement) is until the available funds of the NRRP have been disbursed in full, but not later than 30 June 2026.