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PBZ COSME loan

A credit program for your easy access to funds.

Take advantage of the benefits

Without a mortgage for real estate

Reduced demand for insurance instruments

Shorter process

Faster loan application processing

Extended repayment period

Longer loan repayment periods

PBZ COSME loan

Loan program with extremely favourable financing conditions, with reduced requirements for insurance instruments.


Financing is made possible thanks to the guarantee secured under the COSME program from the European Fund for Strategic Investments (EFSI).

Loans for financing working capital

Loans for financing working capital

  • amount of loan: up to HRK 250,000.00
  • loan repayment term: 18 to 36 months
  • insurance instruments: ONLY bills of exchange and debenture
  • mortgages as an insurance instrument are not required
Loans for financing investments

Loans for financing investments

Loans for financing investments in new equipment and machinery, IT equipment, commercial vehicles and trailers.

  • amount of loan: up to HRK 400,000.00
  • loan repayment term: 18 to 60 months
  • insurance instruments: bills of exchange, debenture, mortgage for a financing subject with a value of more than HRK 25,000.00
For medium and large enterprises
Loans for financing investments

Loans for financing investments

Loans for financing investments in new equipment and machinery, IT equipment, commercial vehicles and trailers.

  • amount of loan: up to HRK 1,000,000.00
  • loan repayment term: 18 to 84 months
  • insurance instruments: bills of exchange, debenture, mortgage for a financing subject with a value of more than HRK 25,000.00
Notice

"This financing is made possible thanks to the EU Guarantee for Borrowing with the financial support of the European Union under the Credit Guarantee established under Regulation (EU) No 1095/2010. 1287/2013 of the European Parliament and of the Council establishing a Program for the Competitiveness of Enterprises and Small and Medium Enterprises (COSME) (2014-2020)."

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