Overview of the Call
HAMAG-BICRO, in cooperation with the Ministry of Agriculture, Forestry, and Fisheries, offers low-interest loans for entities in the agriculture, processing, and forestry sectors through micro and small loans for rural development. These financial instruments ensure continuity of available funds and facilitate access to capital for farmers and related activities.
Eligible Activities and Locations
- Loans are available throughout the entire territory of Croatia, except in urban centers: Zagreb, Osijek, Rijeka, and Split.
- 73.10.FI – primary agricultural production (currently suspended due to exhausted allocation),
- 73.11.FI – processing of agricultural products,
- 73.14.FI – business development in rural areas.
Microloans for Working Capital
Purpose: financing working capital or regular business expenses.
Loan amount: EUR 1,000 – 25,000
Repayment period: up to 3 years (including grace period)
Repayment method: quarterly installments (equal principal + interest)
Collateral: promissory notes from the borrower and owner, and other instruments based on risk assessment
Fee: no approval fee
Small Investment Loans
Status: Applications for this line (Small Loans for Rural Development) were suspended on April 30, 2025, due to exhausted funds. Disbursement deadline is September 30, 2025.
Purpose: covers investments under Submeasures 4.1, 4.2, 6.4, and 8.6 – includes working capital (up to 30%), purchase of livestock, used equipment, annual crops, etc.
Loan amount: EUR 25,000 – 100,000
Interest rate: 0.1% for municipalities in development groups I–IV, 0.25% for groups V–VIII
Grace period: up to 12 months (with a minimum repayment period of 2 years), or up to 60 months for perennial crops
Repayment period: 1–10 years (up to 12 years for plantations/tourism in rural areas of groups I–IV)
Repayment method: quarterly installments
Collateral: promissory notes and other instruments depending on risk assessment
This call provides flexible financial mechanisms for investments in rural agricultural holdings and the processing industry. Microloans for working capital are still available, while small investment loans are temporarily closed due to exhausted allocations.
