ESIF Micro Loan


Instrument feature/Program title ESIF Micro Working Capital Loan
Target group

·         Micro economic operator

·         Small economic operator

Amount From EUR 1,000.01 to EUR 25,000
Interest rate* 0,5% - 1,0%
Poček Up to 12 months if the repayment period is a minimum of 2 years
Grace period Up to 3 years, including the grace period
Instrumenti osiguranja Promissory note and other collaterals according to the risk assessment
Potpora De minimis
Namjena ·         Working capital - 100% of the loan amount

* Development index and indicators values for the development index calculation at a county level 2017

Financial instrument is not intended for:

Project activities:

  • VAT financing
  • existing liabilities refinancing
  • settlement of obligations according to financial institutions
  • refund of previously paid liabilities
  • payment of obligations older than three months after the Loan Application’s receipt
  • acquisition of securities
  • lending to customers or other legal and natural persons
  • investments for personal purposes
  • brokerage in foreign trade

Business activities:

  • retail sale of automotive fuel in specialized stores (gas stations)
  • activity of taxi service and activity of cars and motor vehicles rental and lease (rent-a-car)
  • activity of road freight transport in accordance with Article 3 (2) of Commission Regulation (EU) no. 1407/2013 of 18 December 2013
  • trade activities
  • activities of publishing newspapers and other periodicals, activities of production and broadcasting of radio and television content, activities of news agencies as well as service activities of advertising and public relations agencies
  • activities of one or more restricted sectors in accordance with Annex 3 of Commission Implementing Regulation (EU) no. 964/2014 of 11 September 2014
  • agricultural and fishing activities and other activities and activities excluded by the applicable de minimis aid regulations (Commission Regulation (EU) No 1407/2013 of 18 December 2013 on the application of Articles 107 and 108 of the Treaty on the Functioning of the European Union to de minimis aid).