How to get a guarantee?

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.