{"id":3018,"date":"2025-10-14T09:28:46","date_gmt":"2025-10-14T09:28:46","guid":{"rendered":"https:\/\/lot-consulting.hr\/?p=3018"},"modified":"2026-01-03T12:09:25","modified_gmt":"2026-01-03T12:09:25","slug":"najava-otvaranja-prvih-nacionalnih-zajmova-za-investicije-i-obrtna-sredstva-hamag-bicro","status":"publish","type":"post","link":"https:\/\/lot-consulting.hr\/?p=3018","title":{"rendered":"Najava otvaranja prvih nacionalnih zajmova za investicije i obrtna sredstva (HAMAG &#8211; BICRO)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3018\" class=\"elementor elementor-3018\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14097b4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"14097b4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1d4fc 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class=\"wpr-mobile-sub-menu-item\">Ostalo<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-743\"><a href=\"https:\/\/lot-consulting.hr\/#usluge\" class=\"wpr-mobile-menu-item\">Usluge<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-711\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=678\" class=\"wpr-mobile-menu-item\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1705\"><a href=\"https:\/\/lot-consulting.hr\/?page_id=675\" class=\"wpr-mobile-menu-item\">Savjeti<\/a><\/li>\n<\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa9864 elementor-hidden-mobile elementor-hidden-tablet wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"5fa9864\" data-element_type=\"widget\" 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-3dad6a51 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"3dad6a51\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-39eb09fd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"39eb09fd\" 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-fadd63e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fadd63e\" 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\">15. listopada zapo\u010dinje zaprimanje zahtjeva za prve nacionalne zajmove za investicije i obrtna sredstva (HAMAG - BICRO)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17417610 wpr-post-info-align-left elementor-widget elementor-widget-wpr-post-info\" data-id=\"17417610\" 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><\/li><li class=\"wpr-post-info-date\"><span>14 listopada, 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-67fd0384 elementor-widget elementor-widget-shortcode\" data-id=\"67fd0384\" 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-296c6af0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"296c6af0\" 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-7ce769bc elementor-widget elementor-widget-text-editor\" data-id=\"7ce769bc\" 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>Hrvatska agencija za malo gospodarstvo, inovacije i investicije<\/strong> najavljuje otvaranje dva nova programa zajmova: <strong>Nacionalne zajmove za investicije i Nacionalne zajmove za obrtna sredstva.<\/strong> Zajmovi su namijenjeni <strong>mikro, malim i srednjim subjektima<\/strong> malog gospodarstva uz povoljnije uvjete financiranja. <strong>Zaprimanje zahtjeva za zajmove kre\u0107e 15.10.2025. godine u 10 h<\/strong> putem on-line forme na slu\u017ebenim internetskim stranicama Hrvatske agencije za malo gospodarstvo, inovacije i investicije. U nastavku \u010dlanka donosimo najva\u017enije informacije o novim programima kreditiranja.<\/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-27c323b7 elementor-widget elementor-widget-image\" data-id=\"27c323b7\" 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\/10\/charlesdeluvio-Lks7vei-eAg-unsplash-1.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3021\" alt=\"\" srcset=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/charlesdeluvio-Lks7vei-eAg-unsplash-1.jpg 600w, https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/charlesdeluvio-Lks7vei-eAg-unsplash-1-300x200.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\">Izvor: Unsplash<\/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-39493f5 elementor-widget elementor-widget-heading\" data-id=\"39493f5\" 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\">Nacionalni zajmovi za investicije<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d2b88c2 elementor-widget elementor-widget-text-editor\" data-id=\"6d2b88c2\" 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>Namjena zajma:<\/strong><br \/>&#8211; osnovna sredstva<br \/>&#8211; obrtna sredstva (do 30% iznosa zajma)<\/p><p><strong>Prihvatljivi korisnici:<\/strong><br \/>&#8211; subjekti koji imaju status &#8220;subjekta malog gospodarstva&#8221;<br \/>&#8211; registrirani su za djelatnost za koju se tra\u017ei zajam<br \/>&#8211; imaju minimalno jednog zaposlenog na puno radno vrijeme<\/p><p><strong>Iznos zajma:<\/strong><br \/><strong>&#8211; od 25.000 EUR do 150.000 EUR<\/strong><\/p><p><strong>Kamatna stopa:<\/strong><br \/>&#8211; trenutno 2,71% (osnovna stopa za RH na datum zaprimanja zahtjeva uve\u0107ana za 0,5 postotna boda)<\/p><p><strong>Rok kori\u0161tenja:<\/strong><br \/>&#8211; 6 mjeseci od isplate zajma<\/p><p><strong>Rok otplate:<\/strong><br \/>&#8211; 1 &#8211; 10 godina uklju\u010duju\u0107i po\u010dek<\/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-149bdb76 elementor-widget elementor-widget-heading\" data-id=\"149bdb76\" 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\">Nacionalni zajmovi za obrtna sredstva<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8907602 elementor-widget elementor-widget-text-editor\" data-id=\"8907602\" 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>Namjena zajma:<\/strong><br \/>&#8211; priprema proizvodnje<br \/>&#8211; sirovine i materijal<br \/>&#8211; ostali proizvodni tro\u0161kovi<br \/>&#8211; tro\u0161kovi zaposlenih<br \/>&#8211; re\u017eijski tro\u0161kovi<br \/>&#8211; zakup poslovnog prostora<br \/>&#8211; op\u0107i tro\u0161kovi<\/p><p><strong>Prihvatljivi korisnici:<\/strong><br \/>&#8211; subjekti koji imaju status &#8220;subjekta malog gospodarstva&#8221;<br \/>&#8211; registrirani su za djelatnost za koju se tra\u017ei zajam<br \/>&#8211; imaju minimalno jednog zaposlenog na puno radno vrijeme<\/p><p><strong>Iznos zajma:<\/strong><br \/><strong>&#8211; od 1.000 EUR do 50.000 EUR<\/strong><\/p><p><strong>Kamatna stopa:<\/strong><br \/>&#8211; trenutno 3,21% (osnovna stopa za RH na datum zaprimanja zahtjeva uve\u0107ana za 1 postotni bod)<\/p><p><strong>Rok kori\u0161tenja:<\/strong><br \/>&#8211; 3 mjeseca od isplate zajma<\/p><p><strong>Rok otplate:<\/strong><br \/>&#8211; 1 -3 godine uklju\u010duju\u0107i po\u010dek<\/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-594e39a elementor-widget elementor-widget-text-editor\" data-id=\"594e39a\" 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>Uz navedene zajmove ve\u017ee se i <strong>Program Ministarstva demografije kojim je omogu\u0107en otpis dijela glavnice zajma<\/strong> (do 50% za ona ulaganja koja se provode u jedinicama lokalne samouprave svrstane u I., II., III. i IV. skupinu po indeksu razvijenosti). Detalje o uvjetima Programa demografske revitalizacije depopuliranih podru\u010dja kroz subvenciju dijela glavnice zajma mo\u017eete vidjeti na<a class=\"custom-link\" href=\"https:\/\/narodne-novine.nn.hr\/eli\/sluzbeni\/2025\/114\/1656\/pdf\" target=\"_blank\" rel=\"noopener\"> linku.<\/a><\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bbfa63a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"3bbfa63a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6326f656 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6326f656\" 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-2aedfdaa elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2aedfdaa\" 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-342eee74 elementor-widget elementor-widget-button\" data-id=\"342eee74\" 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-0f916b5 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=\"0f916b5\" 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-2f0de95\" data-id=\"2f0de95\" 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-73c222a 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=\"73c222a\" 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-5dd7f4d elementor-hidden-mobile\" data-id=\"5dd7f4d\" 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-ab9ef48 elementor-hidden-tablet wpr-logo-position-center elementor-widget elementor-widget-wpr-logo\" data-id=\"ab9ef48\" 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-c11e106\" data-id=\"c11e106\" 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-8fc311c elementor-widget elementor-widget-heading\" data-id=\"8fc311c\" 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-ba67d5e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba67d5e\" 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-4f0ee0f elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4f0ee0f\" 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-da16f05 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"da16f05\" 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-5ff5819 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ff5819\" 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-92a82c2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"92a82c2\" 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-f4f1c67 elementor-hidden-mobile\" data-id=\"f4f1c67\" 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-047b60c elementor-widget elementor-widget-heading\" data-id=\"047b60c\" 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-8de13af elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8de13af\" 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-9206503 elementor-widget elementor-widget-heading\" data-id=\"9206503\" data-element_type=\"widget\" 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elementor-element-4bffde7 elementor-widget elementor-widget-text-editor\" data-id=\"4bffde7\" 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 agencija za malo gospodarstvo, inovacije i investicije (HAMAG &#8211; BICRO) najavljuje otvaranje dva nova programa zajmova: Nacionalne zajmove za investicije i Nacionalne zajmove za obrtna sredstva. 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