{"id":2520,"date":"2025-07-09T12:22:17","date_gmt":"2025-07-09T12:22:17","guid":{"rendered":"https:\/\/lot-consulting.hr\/?p=2520"},"modified":"2026-04-04T17:35:14","modified_gmt":"2026-04-04T17:35:14","slug":"hbor-ovi-programi-kreditiranja-za-poduzetnike","status":"publish","type":"post","link":"https:\/\/lot-consulting.hr\/?p=2520","title":{"rendered":"HBOR-ovi programi kreditiranja za poduzetnike"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2520\" class=\"elementor elementor-2520\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e51a23e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"e51a23e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb54b9 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width 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data-widget_type=\"wpr-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\n\t\t\t\n\t\t\n\t\t<div class=\"wpr-button-wrap elementor-clearfix\">\n\t\t<a class=\"wpr-button wpr-button-effect wpr-button-none\" data-text=\"\" href=\"#kontakt\">\n\t\t\t\n\t\t\t<span class=\"wpr-button-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"wpr-button-text\">Kontaktirajte nas<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\n\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54b3e12a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"54b3e12a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5db28eab e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5db28eab\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b76ea03 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6b76ea03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">HBOR-ovi programi kreditiranja za poduzetnike<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ad17fc wpr-post-info-align-left elementor-widget elementor-widget-wpr-post-info\" data-id=\"36ad17fc\" data-element_type=\"widget\" data-widget_type=\"wpr-post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-post-info wpr-post-info-horizontal\"><li class=\"wpr-post-info-taxonomy\"><span>Mala i srednja poduze\u0107a<span class=\"tax-sep\">, <\/span><\/span><span>Natje\u010daji<span class=\"tax-sep\">, <\/span><\/span><span>Poljoprivreda<\/span><\/li><li class=\"wpr-post-info-date\"><span>9 srpnja, 2025<\/span><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6487a594 elementor-widget elementor-widget-shortcode\" data-id=\"6487a594\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><span style=\"color: red; font-weight: bold;\">Zatvoreno<\/span><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30a5fdc8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"30a5fdc8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46a4d4ea elementor-widget elementor-widget-text-editor\" data-id=\"46a4d4ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\" target=\"_blank\" rel=\"noopener\">Hrvatska banka za obnovu i razvitak (HBOR)<\/a><\/strong> nudi niz programa kreditiranja koji poduzetnicima omogu\u0107uju povoljnije uvjete financiranja, bilo da se radi o investicijama, obrtnim sredstvima ili digitalnoj i zelenoj tranziciji.<\/p><p>U nastavku donosimo pregled najtra\u017eenijih programa koje HBOR trenutno nudi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12e56941 elementor-widget elementor-widget-heading\" data-id=\"12e56941\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Poduzetni\u0161tvo mladih, \u017eena, po\u010detnika i ostalih posebnih segmenata<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b54e68 elementor-widget elementor-widget-text-editor\" data-id=\"28b54e68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ovaj program kreditiranja namjenjen je <strong>mikro, malim i srednjim poslovnim subjektima privatnog sektora<\/strong> &#8211; trgova\u010dka dru\u0161tva, obrtnici, fizi\u010dke osobe koje samostalno obavljaju djelatnost, OPG-i, zadruge i ustanove, a koje su ujedno i:<\/p><ul><li><strong>mladi poduzetnici (osobe dobi do 41 godine)<\/strong><\/li><li><strong>poduzetnici po\u010detnici (posluju kra\u0107e od 3 godine)<\/strong><\/li><li><strong>\u017eene poduzetnice (jedna ili vi\u0161e \u017eena zajedno posjeduju vi\u0161e od 50% vlasni\u0161tva)<\/strong><\/li><li><span style=\"text-align: var(--text-align);\">poduzetnici koji ula\u017eu u sljede\u0107a podru\u010dja:<\/span><div><span style=\"text-align: var(--text-align);\">&#8211; potpomognuta podru\u010dja (I. do IV. skupina po stupnju razvijenosti (Zakon o regionalnom razvoju RH, Odluka o razvrstavanju jedinica lokalne i podru\u010dne (regionalne) samouprave prema stupnju razvijenosti))<\/span><\/div><div><span style=\"text-align: var(--text-align);\">&#8211; brdsko-planinska podru\u010dja 1. skupine (Zakon o brdsko-planinskim podru\u010djima i Odluka o obuhvatu i razvrstavanju jedinica lokalne samouprave koje stje\u010du status brdsko-planinskog podru\u010dja)<\/span><\/div><div><span style=\"text-align: var(--text-align);\">&#8211; otoci 1. skupine (Zakon o otocima)<\/span><\/div><\/li><li>\u00a0poduzetnici koji ula\u017eu u komercijalizaciju projekata temeljenih na istra\u017eivanjima, razvoju i inovacijama (RDI).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d8ca88 elementor-widget elementor-widget-text-editor\" data-id=\"5d8ca88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kredit je namijenjen ulaganjima u:<\/p><ul><li><strong>osnovna sredstva<\/strong> s ciljem pokretanja poslovanja, modernizacije poslovanja, uvo\u0111enja novih tehnologija, pove\u0107anja kapaciteta, uklju\u010duju\u0107i i turisti\u010dke, razvoja i uvo\u0111enja novih proizvoda ili usluga, poticanja novog zapo\u0161ljavanja i sl.<\/li><li><strong>obrtna sredstva do 30% ugovorenog iznosa kredita.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8bc7d2 elementor-widget elementor-widget-text-editor\" data-id=\"e8bc7d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mogu\u0107e je kreditiranje u suradnji s poslovnim bankama i izravno kreditiranje.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d6955 elementor-widget elementor-widget-heading\" data-id=\"72d6955\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67ff001 elementor-widget elementor-widget-text-editor\" data-id=\"67ff001\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Najni\u017ei iznos kredita je 100.000 EUR (izravno) ili 50.000 EUR (putem poslovnih banaka). Najvi\u0161i iznos kredita je 400.000 EUR.<\/strong><\/p><p>Kod izravnih kredita mo\u017ee se kreditirati do 85% predra\u010dunske vrijednosti investicije bez PDV-a. Kod kredita putem poslovnih banaka mo\u017ee se kreditirati do 100% predra\u010dunske vrijednosti bez PDV-a.<\/p><p>Kamatna stopa kod izravnih kredita je <strong>3,90% uz mogu\u0107nost umanjenja,<\/strong> a kod kredita putem poslovnih banaka <strong>3% uz mogu\u0107nost umanjenja.\u00a0<\/strong><\/p><p>Rok kori\u0161tenja je 12 mjeseci, dok je <strong>rok otplate do 12 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ceeaac5 elementor-widget elementor-widget-image\" data-id=\"4ceeaac5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2.jpg\" class=\"attachment-medium_large size-medium_large wp-image-2524\" alt=\"\" srcset=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2.jpg 600w, https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/07\/hborznak607684bf4408f-2-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc6985a elementor-widget elementor-widget-heading\" data-id=\"bc6985a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investicije privatnog sektora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-118dc4dd elementor-widget elementor-widget-text-editor\" data-id=\"118dc4dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Program kreditiranja namijenjen je <strong>subjektima privatnog sektora<\/strong> &#8211; trgova\u010dka dru\u0161tva, obrtnici, fizi\u010dke osobe koje samostalno obavljaju djelatnost, obiteljska poljoprivredna gospodarstva (OPG-i), zadruge i ustanove.\u00a0<\/p><p>Kredit je namijenjen ulaganjima u:\u00a0<\/p><ul><li><strong>osnovna sredstva<\/strong> (materijalnu i nematerijalnu imovinu) s ciljem modernizacije poslovanja, uvo\u0111enja novih tehnologija, pove\u0107anja kapaciteta, ulaganja u istra\u017eivanje i razvoj i uvo\u0111enje novih proizvoda ili usluga, poticanja projekata za\u0161tite okoli\u0161a, energetske u\u010dinkovitosti i obnovljivih izvora energije, turisti\u010dkih kapaciteta i sadr\u017eaja te poticanja novog zapo\u0161ljavanja te ulaganja u obrambene aktivnosti<\/li><li><strong>obrtna sredstva najvi\u0161e do 30% ugovorenog iznosa kredita.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbfe865 elementor-widget elementor-widget-heading\" data-id=\"cbfe865\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53ca0ba elementor-widget elementor-widget-text-editor\" data-id=\"53ca0ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Najni\u017ei mogu\u0107i iznos kredita je <strong>100.000 EUR<\/strong> kod izravnog kreditiranja te <strong>50.000 EUR<\/strong> kod kreditiranja putem poslovnih banaka.<\/p><p>Kod izravnih kredita mogu\u0107e je kreditirati <strong>do 85%<\/strong> predra\u010dunske vrijednosti investicije, dok je kod kredita putem poslovnih banaka mogu\u0107e kreditirati <strong>do 100%<\/strong> predra\u010dunske vrijednosti investicije.<\/p><p>Kamatna stopa iznosi <strong>3,40 za ulaganja u posebna podru\u010dja, poljoprivrednu djelatnost, zelene projekte, digitalizaciju, RDI, socijalnu infrastrukturu, obrambene aktivnosti, za izvoznike. Kamatna stopa za ostale projekte iznosi 3,90% (uz mogu\u0107nost umanjenja).<\/strong><\/p><p>Rok kori\u0161tenja je 12 mjeseci, a rok otplate <strong>do 20 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4af2d3b elementor-widget elementor-widget-heading\" data-id=\"4af2d3b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Krediti za modernizaciju proizvodnje<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c55add1 elementor-widget elementor-widget-text-editor\" data-id=\"c55add1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Korisnici kredita su poslovni subjekti privatnog sektora koji ispunjavaju sljede\u0107e kriterije:\u00a0<\/p><ul><li>mikro, mali i srednji poduzetnici<\/li><li>registrirani sukladno Nacionalnoj klasifikaciji djelatnosti 2025. (NKD 2025.) <strong>za obavljanje djelatnosti iz podru\u010dja prera\u0111iva\u010dke industrije podru\u010dja C.<\/strong><\/li><\/ul><p>\u00a0<\/p><p>Kredit je namijenjen ulaganjima u <strong>osnovna sredstva koje je povezano s &#8220;po\u010detnim ulaganjem&#8221; te obrtna sredstva najvi\u0161e do 20% ugovorenog iznosa kredita.\u00a0<\/strong><\/p><p>Prihvatljiva su ulaganja u materijalnu i nematerijalnu imovinu povezana s:\u00a0<\/p><ul><li>osnivanjem nove poslovne jedinice<\/li><li>pro\u0161irenjem kapaciteta postoje\u0107e poslovne jedinice<\/li><li>diversifikacijom proizvodnje poslovne jedinice\u00a0<\/li><li>temeljitom promjenom u sveukupnom proizvodnom procesu postoje\u0107e poslovne jedinice.\u00a0<\/li><\/ul><p>\u00a0<\/p><p>Na\u010din kreditiranja je isklju\u010divo izravno kreditiranje te se zahtjevi podnose online.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa9efb elementor-widget elementor-widget-heading\" data-id=\"dfa9efb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a828f20 elementor-widget elementor-widget-text-editor\" data-id=\"a828f20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Iznos kredita mo\u017ee biti izme\u0111u 100.000 EUR i 3.000.000 EUR.\u00a0<\/strong><\/p><p>Mogu\u0107e je kreditirati <strong>do 85%<\/strong> predra\u010dunske vrijednosti investicije bez PDV-a.<\/p><p>Kamatna stopa na dio glavnice kredita iz sredstava EFRR-a je 0%, dok se kamatna stopa na dio glavnice iz sredstava HBOR-a utvr\u0111uje zasebno za svaki pojedini kredit.<\/p><p>Rok kori\u0161tenja je 12 mjeseci, a rok otplate je <strong>do 15 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 3 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-306b7c9 elementor-widget elementor-widget-heading\" data-id=\"306b7c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Otpis dijela glavnice (kapitalni rabat)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ec3fb elementor-widget elementor-widget-text-editor\" data-id=\"29ec3fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Korisnik mo\u017ee ostvariti pravo na kapitalni rabat u iznosu do 50% ukupno ispla\u0107enog iznosa glavnice kredita.<\/strong>\n\nDetaljni opis kriterija za kapitalni rabat pro\u010ditajte <strong><a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/UserDocsImages\/1%20RAZVOJ%20PROIZVODA%20od%202023\/Prilog%202%20Kriteriji%20za%20kapitalni%20rabat_KMP.pdf?vel=131817\" target=\"_blank\" rel=\"noopener\">ovdje.<\/a><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09dd2ae elementor-widget elementor-widget-heading\" data-id=\"09dd2ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Krediti za odr\u017eivi turizam<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5d2468 elementor-widget elementor-widget-text-editor\" data-id=\"c5d2468\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Korisnici kredita su subjekti privatnog sektora koji ispunjavaju sljede\u0107e uvjete:\u00a0<\/p><ul><li>mikro, mali i srednji poduzetnici<\/li><li>registrirani sukladno NKD 2025. za obavljanje neke od djelatnosti <strong>55.1 Hoteli i sli\u010daj smje\u0161taj ili 55.3 Kampovi i prostor za kampiranje.<\/strong><\/li><\/ul><p>\u00a0<\/p><p>Namjena kredita je ulaganje u <strong>osnovna sredstva te obrtna sredstva najvi\u0161e do 30% ugovorenog iznosa kredita.<\/strong><\/p><p><strong>Prihvatljiva su ulaganja u gradnju, rekonstrukciju i\/ili ure\u0111enje i opremanje ugostiteljskih objekata za smje\u0161taj i\/ili dodatni sadr\u017eaj ugostiteljskih objekata za smje\u0161taj, a koji rezultiraju pove\u0107anjem smje\u0161tajnih kapaciteta ili uvo\u0111enjem dodatnih, neobveznih sadr\u017eaja ili razvrstavanjem u vrstu\/kategoriju.<\/strong><\/p><p>Kreditiranje je isklju\u010divo izravno.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26c19f8 elementor-widget elementor-widget-heading\" data-id=\"26c19f8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uvjeti kredita<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df0bccf elementor-widget elementor-widget-text-editor\" data-id=\"df0bccf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Iznos kredita mo\u017ee biti izme\u0111u 250.000 EUR i 7.000.000 EUR.\u00a0<\/strong><\/p><p>Mogu\u0107e je kreditirati <strong>do 85%<\/strong> predra\u010dunske vrijednosti investicije bez PDV-a.<\/p><p>Kamatna stopa na dio glavnice kredita iz sredstava EFRR-a je 0%, dok se kamatna stopa na dio glavnice iz sredstava HBOR-a utvr\u0111uje zasebno za svaki pojedini kredit.<\/p><p>Rok kori\u0161tenja je 12 mjeseci, a rok otplate je <strong>do 17 godina<\/strong> (uklju\u010duju\u0107i po\u010dek do 4 godine).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c02bb62 elementor-widget elementor-widget-heading\" data-id=\"c02bb62\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Otpis dijela glavnice (kapitalni rabat)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb884b elementor-widget elementor-widget-text-editor\" data-id=\"4bb884b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Korisnik mo\u017ee ostvariti pravo na kapitalni rabat u iznosu do 50% ukupno ispla\u0107enog iznosa glavnice kredita.<\/strong>\n\nDetaljni opis kriterija za kapitalni rabat pro\u010ditajte<strong> <a class=\"custom-link\" href=\"https:\/\/www.hbor.hr\/UserDocsImages\/1%20RAZVOJ%20PROIZVODA%20od%202023\/Prilog%202%20Kriteriji%20za%20kapitalni%20rabat_KOT.pdf?vel=218779\" target=\"_blank\" rel=\"noopener\">ovdje.<\/a><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7252fa5d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7252fa5d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6b79a8fa e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6b79a8fa\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68ab3d8d elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"68ab3d8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Imate pitanje? Po\u0161aljite upit ili rezervirajte termin za besplatne i neobvezuju\u0107e konzultacije!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab79c1a elementor-widget elementor-widget-button\" data-id=\"2ab79c1a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lot-consulting.hr\/#kontakt\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Po\u0161alji upit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f1101f elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"6f1101f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a20bad8\" data-id=\"a20bad8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-23661bd elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"23661bd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-a0c4144 elementor-hidden-mobile\" data-id=\"a0c4144\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f65e66e elementor-hidden-tablet wpr-logo-position-center elementor-widget elementor-widget-wpr-logo\" data-id=\"f65e66e\" data-element_type=\"widget\" data-widget_type=\"wpr-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\n\t\t\t<div class=\"wpr-logo elementor-clearfix\">\n\n\t\t\t\t\t\t\t\t<picture class=\"wpr-logo-image\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/02\/cropped-cropped-LOGO1.png\" alt=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"wpr-logo-url\" rel=\"home\" aria-label=\"\" href=\"https:\/\/lot-consulting.hr\/\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"wpr-logo-url\" rel=\"home\" aria-label=\"\" href=\"https:\/\/lot-consulting.hr\/\"><\/a>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-c56e292\" data-id=\"c56e292\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06a1d26 elementor-widget elementor-widget-heading\" data-id=\"06a1d26\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kontakt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d2e7eb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9d2e7eb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c91836 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2c91836\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>LOT, obrt za poslovno savjetovanje i digitalne usluge,&nbsp;vl. Dajana Pranji\u0107&nbsp;<br><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight );\">OIB: 44785801349<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c26052e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c26052e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">091\/603 8394<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-450d095 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"450d095\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M3 15C2.5875 15 2.23438 14.8531 1.94063 14.5594C1.64688 14.2656 1.5 13.9125 1.5 13.5V4.5C1.5 4.0875 1.64688 3.73438 1.94063 3.44063C2.23438 3.14688 2.5875 3 3 3H15C15.4125 3 15.7656 3.14688 16.0594 3.44063C16.3531 3.73438 16.5 4.0875 16.5 4.5V13.5C16.5 13.9125 16.3531 14.2656 16.0594 14.5594C15.7656 14.8531 15.4125 15 15 15H3ZM9 9.75L3 6V13.5H15V6L9 9.75ZM9 8.25L15 4.5H3L9 8.25ZM3 6V4.5V13.5V6Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">info@lot-consulting.hr<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3aae4a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d3aae4a\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M9 16.5C8.825 16.5 8.675 16.45 8.55 16.35C8.425 16.25 8.33125 16.1187 8.26875 15.9562C8.03125 15.2562 7.73125 14.6 7.36875 13.9875C7.01875 13.375 6.525 12.6562 5.8875 11.8312C5.25 11.0062 4.73125 10.2188 4.33125 9.46875C3.94375 8.71875 3.75 7.8125 3.75 6.75C3.75 5.2875 4.25625 4.05 5.26875 3.0375C6.29375 2.0125 7.5375 1.5 9 1.5C10.4625 1.5 11.7 2.0125 12.7125 3.0375C13.7375 4.05 14.25 5.2875 14.25 6.75C14.25 7.8875 14.0313 8.8375 13.5938 9.6C13.1688 10.35 12.675 11.0937 12.1125 11.8312C11.4375 12.7312 10.925 13.4812 10.575 14.0812C10.2375 14.6687 9.95625 15.2937 9.73125 15.9562C9.66875 16.1312 9.56875 16.2688 9.43125 16.3688C9.30625 16.4563 9.1625 16.5 9 16.5ZM9 8.625C9.525 8.625 9.96875 8.44375 10.3312 8.08125C10.6937 7.71875 10.875 7.275 10.875 6.75C10.875 6.225 10.6937 5.78125 10.3312 5.41875C9.96875 5.05625 9.525 4.875 9 4.875C8.475 4.875 8.03125 5.05625 7.66875 5.41875C7.30625 5.78125 7.125 6.225 7.125 6.75C7.125 7.275 7.30625 7.71875 7.66875 8.08125C8.03125 8.44375 8.475 8.625 9 8.625Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Josipa Kozarca 15, \u010cakovec<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-2d690f7 elementor-hidden-mobile\" data-id=\"2d690f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bc74d2 elementor-widget elementor-widget-heading\" data-id=\"6bc74d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Brze poveznice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ebffcd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2ebffcd\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8783bf elementor-widget elementor-widget-heading\" data-id=\"b8783bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#natjecaji\">Natje\u010daji<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e0de79 elementor-widget elementor-widget-heading\" data-id=\"5e0de79\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#usluge\">Usluge<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44f6414 elementor-widget elementor-widget-heading\" data-id=\"44f6414\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=678\">Blog<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-272a887 elementor-widget elementor-widget-heading\" data-id=\"272a887\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=675\">Savjeti<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8a125 elementor-widget elementor-widget-heading\" data-id=\"4a8a125\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=2384\">Pravila privatnosti<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-e6285d1\" data-id=\"e6285d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7b282b elementor-widget elementor-widget-heading\" data-id=\"f7b282b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pratite nas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9720390 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9720390\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03644cc e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"03644cc\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-animation-grow elementor-repeater-item-abcf327\" href=\"https:\/\/www.facebook.com\/lotobrt\/?locale=hr_HR\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-01b8652 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"01b8652\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b571196 elementor-widget elementor-widget-text-editor\" data-id=\"b571196\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Izrada: LOT \/ \u00a9 2025 LOT\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Hrvatska banka za obnovu i razvitak (HBOR) nudi niz programa kreditiranja koji poduzetnicima omogu\u0107uju povoljnije uvjete financiranja, bilo da se radi o investicijama, obrtnih sredstvima ili digitalnoj i zelenoj tranziciji.<\/p>\n<p>U nastavku donosimo pregled klju\u010dnih programa koje HBOR trenutno nudi.<\/p>\n","protected":false},"author":1,"featured_media":2524,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,16,17],"tags":[],"class_list":["post-2520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-natjecaji","category-msp","category-poljoprivreda"],"acf":[],"_links":{"self":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/2520","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2520"}],"version-history":[{"count":73,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/2520\/revisions"}],"predecessor-version":[{"id":3866,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/2520\/revisions\/3866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/media\/2524"}],"wp:attachment":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}