Ksaver 208
10000 Zagreb

+ 385 1 488 1003
+385 1 488 1009

The Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) was founded to support the development of SMEs, innovation process and investments. The Agency’s activities are within the competence of the Ministry of Economy, Entrepreneurship and Crafts. During its 25 years of operation, HAMAG-BICRO has been committed to growth and development of SMEs and crafts in Croatia by facilitating their access to finance. The Agency’s main objective is in the strategic creation of a unique system that provides support to entrepreneurs through all development stages of operation – starting from research and development of an idea to commercialization and placement on the market. Its services include: grants, micro and small loans, individual and portfolio guarantees issuing. The Agency also provides financial support to innovative and technology-oriented enterprises.


Year of creation
individual entities or association
Type of organization
National Promotional Bank (NPB), National Promotional Institution (NPI), Private, Mutual, Mixed
Type of scheme
guarantee or counter-guarantee
Guarantee, Loans and grant schemes
Product typology
guarantee or counter-guarantee or co-guarantee
Guarantee, Loans and grant schemes
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
Fully public
Shareholder structure
Private / Public (in %)
100% public
Legal form
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Development agency
Legal form
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Development agency
Structure / Network
i.e. central scheme with regional offices, central scheme only, association network
Central scheme only
Geographic coverage
i.e. local, regional, national
Local, Regional
Sectorial focus
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
SMEs and crafts
Size of businesses supported
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
SMEs, Micro-enterprises, Independent/Self-employed
Supervision statute
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
Under the supervision of the Ministry of Economy, Entrepreneurship and Crafts
Profit / Non-profit oriented
dividends to public shareholders are not considered as profit orientation
Non-profit oriented
Do you benefit from a counter-guarantee at local, regional or national level?
Local level or Regional level or National level
Are you/your members financial intermediary for EU-programmes?
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
CIP/COSME, Structural funds - ESIF; ERFD; EAFRD
Types of guarantee products provided by your organisation/your membersLoan default guarantees, Working capital loan guarantees, Leasing guarantees, Project guarantees, Export guarantees
Other SME support instruments offered by your organisation/your members
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
Subsidized loans, Venture capital, Coaching
Is the activity subject to state aid regulation?Yes
Do you (your members) use..?
De minimis or GBER or Regional guidelines or Notification
De minimis, GBER, Regional guidelines and Notification
Do you (your members) dispose of an internal rating/scoring system?Yes
Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?Yes
Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?No