I need a loan

Enhance your business and join the world of entrepreneurship. PBZ can help you with that because it has prepared special loan programmes to encourage the development of small and medium-sized enterprises.

Consumer loans

PBZ has enabled craftsmen and company owners to purchase goods and services via our consumer loan. The amount of the loan that can be granted is between EUR 500 and 10,000.

Contract a consumer loan at your nearest PBZ Branch Office.

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Short-term loan - allowed overdraft based on traffic per business account

Do you need money for business and maintenance of short-term liquidity of the company fast? PBZ has prepared short-term loans for you.

Set up a short-term loan at your nearest PBZ Branch Office.

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Individualized CARD Loans (automated processing)

Do you need money for business and maintenance of short-term liquidity of the company fast? PBZ has prepared short-term loans for you.

Set up a short-term loan at your nearest PBZ Branch Office.

 

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Long-term loans - domestic currency, foreign currency and domestic currency with foreign currency clause

If you need money for a trade development or a long-term investment, we have prepared long-term loans for you. Repayment period is over a year, and loans can be in domestic currency, foreign currency and domestic currency with a currency clause.

Set up a long-term loan at your nearest PBZ Branch Office.

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Long-term loans (with currency clause EUR) out of CEB / EIB

PBZ, along with the European Investment Bank (EIB) and the Council of Europe Development Bank (CEB), has prepared an exclusive loan offer for you.

Which are the benefits of this loan offer?

  • Favourable interest rate
  • No application processing fee (for loan amounts of up to EUR 70,000) 

What are the characteristics of this loan offer?

  • Loan users can be small and medium entrepreneurs and local governments, regardless of whether they are Bank's clients or whether they will become one
  • The purpose  of this loan offer is financing construction, purchase and renovation of production capacity and business facilities, expansion and modernisation of production capacities, procurement of equipment, machinery and vehicles, environmental improvement (installation changes, noise reduction, etc.), research and development (ICT infrastructure), health and education, and all the investments that contribute to maintaining jobs and creating new ones
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Long-term loans (with currency clause EUR) EIB energy efficiency

Investment in infrastructure, energy restoration of façades, replacement of windows and doors and modernisation of the heating system are just some of the options covered by a credit line of financing energy efficiency projects.

In cooperation with the European Investment Bank (EIB), PBZ has prepared credit lines in the amount of up to EUR 20 million.

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Long-term loans (with currency clause EUR) CEB investment

Basic agreement of PBZ with first-rate European banks and financial institutions, with the purpose of credit financing of equipment, goods, projects and services import.

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Long-term loans (with currency clause euro) EBRD SME

PBZ, along with the European Investment Bank (EIB) and the Council of Europe Development Bank (CEB), has prepared an exclusive loan offer for you.

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Long-term loans (with currency clause EUR) EBRD to finance exports

Do you need a loan in order to export goods? There is a buyer's credit (Buyer's Credit) intended to support and enhance export.

In order to set up a buyer's credit, you need to fill in Application for financing/insurance and submit it to a PBZ Branch Office. Before the conclusion of the commercial contract, the Application should be submitted to the HBOR.

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Long-term loans - domestic currency, foreign currency and domestic currency with foreign currency clause

If you need money for a trade development or a long-term investment, we have prepared long-term loans for you. Repayment period is over a year, and loans can be in domestic currency, foreign currency and domestic currency with a currency clause.

Set up a long-term loan at your nearest PBZ Branch Office.

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Loans for renovation and energy efficiency

Replace the old windows, roof or renew the façade of the building using PBZ loans for reconstruction of apartment buildings and energy efficiency projects. Energy renovation is co-financed by the Environmental Protection and Energy Efficiency Fund along with the Government of the Republic of Croatia and PBZ.

Find additional information at the nearest PBZ Branch Office.

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Counties and cities programs

PBZ and the Council of Europe Development Bank (CEB) signed a contract on credit line of EUR 30 million, which is intended for financing projects of small and medium enterprises (according to the EU definition) as well as infrastructural projects of local government. The biggest amount of joint financing (PBZ and CEB) through this program generally amounts to 50% of the total investment. The remainder of the investment can be financed using a PBZ loan (from commercial resources), client's own funds and/or other resources.

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Special loan programs

Upgrade your business and become a part of the entrepreneurship world. PBZ will help you with that by preparing loan programmes just for you in order to increase small and medium-sized enterprises.

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