hamag-bicro - croatian agency for smes, innovations and investments

The Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) is a key state institution created to support entrepreneurship, innovation, and investment in Croatia. Established through the merger of several development agencies, its mission is to foster the growth of the Croatian economy by providing comprehensive support to entrepreneurs, from start-ups and innovative projects to established SMEs seeking expansion. The agency achieves this through a wide range of financial instruments, including non-repayable grants, guarantees for commercial loans, micro-loans, and venture capital investments, thereby facilitating access to capital and encouraging a culture of innovation.