{"id":3035,"date":"2025-10-14T11:15:38","date_gmt":"2025-10-14T11:15:38","guid":{"rendered":"https:\/\/lot-consulting.hr\/?p=3035"},"modified":"2026-01-03T12:07:22","modified_gmt":"2026-01-03T12:07:22","slug":"otvaranje-zajmova-za-zene-poduzetnice-i-poduzetnike-pocetnike-hamag-bicro","status":"publish","type":"post","link":"https:\/\/lot-consulting.hr\/?p=3035","title":{"rendered":"Otvaranje zajmova za \u017eene poduzetnice i poduzetnike po\u010detnike (HAMAG &#8211; BICRO)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3035\" class=\"elementor elementor-3035\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d7db1c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"4d7db1c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4dbe5a 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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<div class=\"elementor-element elementor-element-c5ff60f elementor-hidden-mobile elementor-hidden-tablet elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"c5ff60f\" 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 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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-c862e23 elementor-hidden-mobile elementor-hidden-tablet wpr-button-icon-style-inline wpr-button-icon-position-right elementor-widget elementor-widget-wpr-button\" data-id=\"c862e23\" 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-1e71abc7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1e71abc7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-10a526eb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"10a526eb\" 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-7266c600 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7266c600\" 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\">Otvaranje zajmova za \u017eene poduzetnice i poduzetnike po\u010detnike <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7536ad5c wpr-post-info-align-left elementor-widget elementor-widget-wpr-post-info\" data-id=\"7536ad5c\" 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-3897a57b elementor-widget elementor-widget-shortcode\" data-id=\"3897a57b\" 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-5da6b3cc e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5da6b3cc\" 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-4eaf3036 elementor-widget elementor-widget-text-editor\" data-id=\"4eaf3036\" 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>Hrvatska agencija za malo gospodarstvo, inovacije i investicije najavljuje otvaranje novog programa zajmova: <strong>Zajmovi za \u017eene poduzetnice i poduzetnike po\u010detnike<\/strong>. Ovaj je financijski instrument namijenjen <strong>mikro, malim i srednjim subjektima<\/strong>\u00a0malog gospodarstva koji zadovoljavaju specifi\u010dne uvjete prihvatljivosti programa:<\/p><p>&#8211; \u017eene vlasnice dru\u0161tva (\u017eene s ve\u0107inskim udjelom u vlasni\u0161tvu poduze\u0107a najmanje 2 godine)<\/p><p>&#8211; mlada poduze\u0107a ili poduzetnici po\u010detnici (poslovni subjekti upisani u odgovaraju\u0107i registar do 3 godine ili fizi\u010dke osobe s namjerom osnivanja poslovnog subjekta).<\/p><p>Uz ovaj financijski instrument vezana je dodatna pogodnost &#8211; <strong>mogu\u0107nost otpisa do 50% glavnice zajma<\/strong> uz ispunjenje specifi\u010dnih uvjeta. Zaprimanje zahtjeva za zajmove kre\u0107e <strong>15. listopada 2025. godine u 10 h<\/strong> putem on-line forme na slu\u017ebenim internetskim stranicama Hrvatske agencije za malo gospodarstvo, inovacije i investicije.<\/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-19491bd3 elementor-widget elementor-widget-image\" data-id=\"19491bd3\" 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\/amy-hirschi-szrJ3wjzOMg-unsplash-1.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3038\" alt=\"\" srcset=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/amy-hirschi-szrJ3wjzOMg-unsplash-1.jpg 600w, https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/amy-hirschi-szrJ3wjzOMg-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-66305da7 elementor-widget elementor-widget-heading\" data-id=\"66305da7\" 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\">Uvjeti programa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31ca54a8 elementor-widget elementor-widget-text-editor\" data-id=\"31ca54a8\" 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\u00a0<br \/>&#8211; obrtna sredstva (do 30% zajma)<\/p><p><strong>Iznos zajma:<\/strong><br \/><strong>&#8211; od 25.001 EUR do 100.000 EUR<\/strong><\/p><p><strong>Kamatna stopa:<\/strong><br \/><strong>&#8211; 0,5% (fiksno)<\/strong><\/p><p><strong>Rok kori\u0161tenja:<\/strong><br \/>&#8211; 6 mjeseci od isplate zajma<\/p><p><strong>Rok otplate:\u00a0<\/strong><br \/>&#8211; od 1 do 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-c0f92de elementor-widget elementor-widget-heading\" data-id=\"c0f92de\" 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\">Uvjeti za otpis glavnice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0541c1d elementor-widget elementor-widget-text-editor\" data-id=\"0541c1d\" 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 \u201eMalog zajma za \u017eene poduzetnice i poduzetnike po\u010detnike\u201c <strong>imaju mogu\u0107nost otpisa do 50% iskori\u0161tenog iznosa glavnice<\/strong> zajma u slu\u010daju uredne otplate predmetnog zajma i dodatnog zapo\u0161ljavanja prema sljede\u0107em izra\u010dunu:<br \/><strong>&#8211; 10% glavnice iskori\u0161tenog iznosa zajma za svaku dodatnu novozaposlenu osobu ili<\/strong><br \/><strong>&#8211; 15% glavnice ukoliko je dodatno novozaposlena osoba \u017eena i\/ili mlada osoba (do navr\u0161enih 30 godina)<\/strong><\/p><p>Korisnici imaju mogu\u0107nost otpisa prema navedenim kriterijima uz kumulativno <strong>zadovoljavanje sljede\u0107ih uvjeta:\u00a0<\/strong><br \/>&#8211; novozaposlena osoba nikada nije bila zaposlena u istom subjektu <br \/>&#8211; s novozaposlenom osobom sklopljen je ugovor o radu na neodre\u0111eno i puno radno vrijeme <br \/>&#8211; novozaposlena osoba mora biti zaposlena u poslovnom subjektu minimalno 12 mjeseci u kontinuitetu (tijekom razdoblja kori\u0161tenja i\/ili otplate zajma, uklju\u010duju\u0107i po\u010dek) <br \/>&#8211; za istu osobu u istom periodu ne smije biti kori\u0161tena mjera Hrvatskog zavoda za zapo\u0161ljavanje <br \/>&#8211; potpore za zapo\u0161ljavanje &#8211; za istu osobu ne smije biti kori\u0161ten otpis glavnice po drugom zajmu u HAMAG-BICRO <br \/>&#8211; prihvatljivi su dr\u017eavljani dr\u017eava \u010dlanica Europskog gospodarskog prostora, \u0160vicarske Konfederacije i dr\u017eavljani tre\u0107ih zemalja koji imaju odobreno dugotrajno boravi\u0161te ili stalni boravak u RH <br \/>&#8211; ukupan broj zaposlenih u trenutku tra\u017eenja otpisa mora biti minimalno jednak broju zaposlenih u trenutku prijave<\/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-1bd04dfc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1bd04dfc\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d465833 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5d465833\" 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-2d96b885 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2d96b885\" 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-3a61ad37 elementor-widget elementor-widget-button\" data-id=\"3a61ad37\" 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-fe9226d 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=\"fe9226d\" 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-9988ecd\" data-id=\"9988ecd\" 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-3d47f4b 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=\"3d47f4b\" 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-c9f092d elementor-hidden-mobile\" data-id=\"c9f092d\" 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-dc87da5 elementor-hidden-tablet wpr-logo-position-center elementor-widget elementor-widget-wpr-logo\" data-id=\"dc87da5\" 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-2127a66\" data-id=\"2127a66\" 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-e6c16c3 elementor-widget elementor-widget-heading\" data-id=\"e6c16c3\" 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-02036b8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"02036b8\" 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-40c9c34 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"40c9c34\" 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-3da2a8f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3da2a8f\" 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-1a4b94c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1a4b94c\" 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-9dc08d7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9dc08d7\" 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-df113eb elementor-hidden-mobile\" data-id=\"df113eb\" 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-8638158 elementor-widget elementor-widget-heading\" data-id=\"8638158\" 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-8720c5b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8720c5b\" 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-8bd76b1 elementor-widget elementor-widget-heading\" data-id=\"8bd76b1\" 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-0e51c00 elementor-widget elementor-widget-heading\" data-id=\"0e51c00\" 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-d7a376a elementor-widget elementor-widget-heading\" data-id=\"d7a376a\" 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 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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-a6460ab e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"a6460ab\" 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-c3744ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c3744ba\" 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-b7e671a elementor-widget elementor-widget-text-editor\" data-id=\"b7e671a\" 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 najavljuje otvaranje novog programa zajmova: Zajmovi za \u017eene poduzetnice i poduzetnike po\u010detnike.  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