Strategic finance HBOR is a Croatian development and export credit agency with strong government backing, offering long-term financing up to 17 years for investments and up to 6 years for working capital, presenting an opportunity to bundle cross-border, export-oriented lending solutions for SMEs and mid-caps.

Export protection HBOR provides export credit insurance and supports banks and financial institutions with credit insurance tied to exports, enabling sales teams to target exporters and their suppliers with risk-mitigated financing and trade credit products.

Equity and venture Active involvement in private equity markets and launch of the Alternative Investment Funds Investment Programme signals a public-private funding channel for high-growth startups and scale-ups, ideal for partnerships with venture-backed firms and fund managers seeking growth capital.

Infrastructure focus Recent MOUs and participation in the Three Seas Initiative to establish an infrastructure fund of funds indicate a strategic appetite for large-scale infrastructure projects, presenting opportunities to align with contractors, developers, and international investors seeking financing and guarantees.

Digital and partnerships HBOR’s technology stack (Cloud, collaboration tools, WordPress, ERP-like processes) paired with a strong mandate to support sustainable development and export services suggests leverage points for fintech integrations, digital platforms for export finance, and partner ecosystems with financial institutions and regional development bodies.