HAMAG-BICRO is offering loans you don’t want to miss – take advantage of them with Osmi bit’s solutions

If you’ve been postponing investments in software, equipment, or business modernization — now is the right time.

HAMAG-BICRO has launched the Small Loans for Industrial Transition program, aimed at micro, small, and medium-sized enterprises, offering exceptionally favorable financing conditions.

How Osmi bit can help

Through this program, you can finance concrete solutions that deliver immediate value:

💻 Development and implementation of business software solutions
⚙️ Digitalization and automation of business processes
📊 System integration and business optimization
☁️ Implementation of cloud solutions and modern IT systems

In other words — not only can you secure favorable financing, but you can invest it in solutions that directly increase efficiency and competitiveness.

What you get

• Up to €100,000 in financing

• Interest rates starting from 0.5% (fixed)

• Up to 50% principal write-off

• Repayment period of up to 10 years

• Investments in software, equipment, business premises, and working capital

Who can apply

• Micro, small, and medium-sized enterprises (3+ years in operation)

• Location: Pannonian, Northern, or Adriatic Croatia

• Mandatory registration in Regional Value Chains (RLV)

• Stable operations with no account blocks

⚠️ Note: Companies based in Zagreb are not eligible.

For more details about the program, visit: HAMAG BICRO krediti za industrijsku tranziciju