{"id":3052,"date":"2025-10-14T17:40:51","date_gmt":"2025-10-14T17:40:51","guid":{"rendered":"https:\/\/lot-consulting.hr\/?p=3052"},"modified":"2026-01-03T12:05:10","modified_gmt":"2026-01-03T12:05:10","slug":"novi-zajmovi-za-male-poduzetnike-hamag-bicro","status":"publish","type":"post","link":"https:\/\/lot-consulting.hr\/?p=3052","title":{"rendered":"Novi zajmovi za male poduzetnike (HAMAG &#8211; BICRO)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3052\" class=\"elementor elementor-3052\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a13bd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"a0a13bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b927b62 elementor-icon-list--layout-inline elementor-mobile-align-center 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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-33c382e7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"33c382e7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36dbc009 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"36dbc009\" 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-3c6f435d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3c6f435d\" 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\">Novi zajmovi za male poduzetnike (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-38fe046b wpr-post-info-align-left elementor-widget elementor-widget-wpr-post-info\" data-id=\"38fe046b\" 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-6d7372b7 elementor-widget elementor-widget-shortcode\" data-id=\"6d7372b7\" 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-77cd7c0e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"77cd7c0e\" 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-64b3ab6b elementor-widget elementor-widget-text-editor\" data-id=\"64b3ab6b\" 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> najavila je otvaranje novih programa zajmova: <b>Nacionalni zajmovi za osnovna i obrtna sredstva te Mali zajmovi za \u017eene poduzetnice i poduzetnike po\u010detnike.<\/b>\u00a0Zajmovi 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-3cc8d3e4 elementor-widget elementor-widget-image\" data-id=\"3cc8d3e4\" 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=\"640\" height=\"427\" src=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/student-849828_640.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3065\" alt=\"\" srcset=\"https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/student-849828_640.jpg 640w, https:\/\/lot-consulting.hr\/wp-content\/uploads\/2025\/10\/student-849828_640-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Izvor: Pixabay<\/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-3ad59d55 elementor-widget elementor-widget-heading\" data-id=\"3ad59d55\" 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-2ee103d9 elementor-widget elementor-widget-text-editor\" data-id=\"2ee103d9\" 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-6b719fa elementor-widget elementor-widget-heading\" data-id=\"6b719fa\" 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-4963ef0e elementor-widget elementor-widget-text-editor\" data-id=\"4963ef0e\" 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-4f2e030c elementor-widget elementor-widget-text-editor\" data-id=\"4f2e030c\" 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 <strong>I., II., III. i IV. skupinu<\/strong> po indeksu razvijenosti). Skupinu prema indeksu razvijenosti svojeg mjesta mo\u017eete prona\u0107i <strong><a class=\"custom-link\" href=\"https:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2024_01_3_60.html\" target=\"_blank\" rel=\"noopener\">OVDJE.<\/a><\/strong><\/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-bd57c0d elementor-widget elementor-widget-heading\" data-id=\"bd57c0d\" 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\">Mali zajmovi za \u017eene poduzetnice i poduzetnike po\u010detnike (*Zatvoreno)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67b103d elementor-widget elementor-widget-text-editor\" data-id=\"67b103d\" 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>Prihvatljivi korisnici:\u00a0<\/strong><br \/>&#8211; subjekti koji imaju status &#8220;subjekta malog gospodarstva&#8221; uz zadovoljavanje specifi\u010dnih uvjeta:\u00a0<br \/>a) \u017eena ve\u0107inska vlasnica poduze\u0107a (najmanje 2 godine) ili<br \/>b) poduzetnik po\u010detnik (subjekt upisan u registar do 3 godine ili fizi\u010dka osoba s namjerom osnivanja subjekta)<br \/><br \/><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-3b90c9e elementor-widget elementor-widget-text-editor\" data-id=\"3b90c9e\" 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>\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-7556fec elementor-widget elementor-widget-text-editor\" data-id=\"7556fec\" 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>Za vi\u0161e informacija o navedenim programima kreditiranja ili pomo\u0107 oko pripreme prijave kontaktirajte nas na 091 782 8989 (Dajana) ili putem <a class=\"custom-link\" href=\"https:\/\/lot-consulting.hr\/#kontakt\"><strong>kontakt obrasca.<\/strong><\/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-75310a09 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"75310a09\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ae9472e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6ae9472e\" 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-5b549831 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"5b549831\" 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-4fba93a3 elementor-widget elementor-widget-button\" data-id=\"4fba93a3\" 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-3703587 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=\"3703587\" 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-79e3083\" data-id=\"79e3083\" 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-7cca366 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=\"7cca366\" 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-899ab51 elementor-hidden-mobile\" data-id=\"899ab51\" 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-ffefda1 elementor-hidden-tablet wpr-logo-position-center elementor-widget elementor-widget-wpr-logo\" data-id=\"ffefda1\" 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-ee0e473\" data-id=\"ee0e473\" 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-205a166 elementor-widget elementor-widget-heading\" data-id=\"205a166\" 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-fb32f86 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fb32f86\" 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-31d8b1d elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"31d8b1d\" 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-4be7770 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4be7770\" 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-61bd0a3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61bd0a3\" 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 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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-961b32c elementor-hidden-mobile\" data-id=\"961b32c\" 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-d09613a elementor-widget elementor-widget-heading\" data-id=\"d09613a\" 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-4b6c261 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4b6c261\" 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-6bda4fe elementor-widget elementor-widget-heading\" data-id=\"6bda4fe\" 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-96e00d6 elementor-widget elementor-widget-heading\" data-id=\"96e00d6\" 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-0a1773e elementor-widget elementor-widget-heading\" data-id=\"0a1773e\" 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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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-fe43e4f\" data-id=\"fe43e4f\" 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-28acf4e elementor-widget elementor-widget-heading\" data-id=\"28acf4e\" 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-e3a8fe6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e3a8fe6\" 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-88b61e8 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"88b61e8\" 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-692cb20 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"692cb20\" 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-154349e elementor-widget elementor-widget-text-editor\" data-id=\"154349e\" 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 najavila je otvaranje novih programa zajmova: Nacionalni zajmovi za investicije i obrtna sredstva te Mali zajmovi za \u017eene poduzetnice i poduzetnike po\u010detnike.<\/p>\n","protected":false},"author":1,"featured_media":3065,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-3052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-msp"],"acf":[],"_links":{"self":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3052","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=3052"}],"version-history":[{"count":45,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3052\/revisions"}],"predecessor-version":[{"id":3390,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/posts\/3052\/revisions\/3390"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=\/wp\/v2\/media\/3065"}],"wp:attachment":[{"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lot-consulting.hr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}