D-loans
More favourable financing for your business’s digital transition process.
Take advantage of the benefits
Digitalisation
Financing
Term
Supporting sustainable business practices
PBZ offers concrete support to clients currently in the process of digital transition with clearly defined investment purposes.
Financing purpose and areas
Multichannel offers
- Digital sales channel activation through e-commerce platforms (e.g. website – web-store)
- Adopting digital systems for payment authorisation (e.g. virtual POS-smart POS-mobile POS)
Digital dialogue with customers and suppliers
- Improving the digital position of businesses (e.g. investing in social media).
- Implementing digital interaction systems/software and remote customer support (e.g. Chat/chatbot).
- Adopting digital solutions and platforms for integrated commercial relations management (e.g. sales platforms).
Digital infrastructure
- Adopting Cloud technologies as a repository for business data and information (e.g. saving databases in the Cloud).
- Adopting solutions for digital identity management for businesses and their employees (e.g. signature authentication systems).
- Adopting cybersecurity hardware and software (e.g. security systems/protocols).
- Structural investments aimed at enabling the use of a broadband connection (e.g. installation of routers/optics)
Digital organisation
- Implementing training programmes for employees on digital transition (e.g. developing digital competencies).
- Using tools to facilitate so-called smart work and digital collaboration between employees (work from home) (e.g. hardware procurement).
D-loan features
- Acceptable loan maturity is from 18 to 36 months.
- Investment in digitalisation must account for at least 51% of the total requested amount.
- The remaining investment may include other purposes such as marketing, for example, for a new e-commerce website.
Follow these steps to get a D-loan
More info
If you have any further questions, please contact your client relations manager or send your question to the following address: sme_inovacija@pbz.hr.
