A micro-loan is an all purpose loan of up to EUR 20,000 and the repayment term of up to 36 months. The granted amount is credited directly to the transaction account of the borrower.

Lending terms and conditions

Loan amount:

  • up to EUR 20,000


  • not restricted

Interest rate:

  • depending on the borrower's status

Front-end fee:

  • 1.50%, but not less than HRK 500 (if the borrower holds one of the packages intended for MSEs, then 50-100% discount might be applicable).

Loan repayment term:

  • up to 36 months

Security instruments:

  • Negotiable security instruments: bill of exchange and debit note of the company and owner)