How to get a guarantee?

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FINANCIAL INSTRUMENTS

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National guarantees

- Guarantees for loans in the field of culture and creative industries

- Guarantees for loans in the maritime, transport and transport infrastructure sectors

- Guarantees for loans in the tourism and sport sectors

- PLUS

ESIF guarantees

- Individual

- Limited portfolio guarantee

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- Individual rural development
guarantees

What are HAMAG-BICRO’s loan guarantees?

HAMAG-BICRO’s guarantees are the ultimate collateral of your entrepreneurial investment. They are issued to secure a part of the loan principal issued by commercial banks or the Croatian Bank for Reconstruction and Development (HBOR).
They enable the realization of investments in the SME sector that would not be possible without the help of HAMAG-BICRO.

Before approving the guarantee, HAMAG-BICRO checks the status and financial documentation and assesses the economic justification of your project.

An entrepreneur who seeks loans funds, but lacks collaterals, submits via the creditor the Decision on Loan Approval, application for guarantee and the prescribed documentation. After submitting the documentation, HAMAG-BICRO’s financial analysts initiate the guarantee application analysis.