Financing EU projects

Commercial financing coupled with EU grants

Financing EU projects

There are a number of possibilities to finance projects by grants from the European Union funds. However, to receive an EU grant, the project first needs to be implemented, i.e. all of its relevant activities need to be paid. Therefore, a bank loan must usually also be obtained in addition to the EU funds. You have at your disposal three types of loans for financing EU projects:

Some calls for proposals require proof of financing in the application phase. In such a case, a letter of intent or an equivalent document is issued.

If a call for proposals provides for an advance payment of the grant, to use this advance payment, you will need a bank guarantee.

To enable easier tracking of payments within your EU project, we can offer you a dedicated project account.

If you need advice about the optimal way to combine funds from grants and loans, our financial representatives and the Erste EU Desk are at your disposal.

All of above services have been included in the Erste Package for EU Projects. We can also provide tailor-made solutions for possible requirements of a specific a call for proposal.

Tenders for EU grants available in Croatia

Different operational programmes of European structural and investment funds (ESIF) are available in Croatia for financing the following areas:

Financing area

Umbrella document describing the measures/contents of the tender

Publication of tenders

Agriculture and food processing, forestry, natural disaster, non-agricultural activities, rural infrastructure

Rural Development Programme 2014 – 2020

Fish and molluscs farming and processing

Operational Programme'Maritime Affairs and Fisheries' 2014 – 2020

Winemaking and wine processing

National Assistance Programme for the Wine Sector 2014 – 2018 (Wine Envelope) 

SMEs (capacities and technology, tourism, ICT, innovations), research, technological development and innovations, environmental protection, transport, culture, media, healthcare, consumer protection, territorial cooperation

Operational Programme 'Competitiveness and Cohesion' 2014 – 2020

Employment, social inclusion, education and life-long learning, effective administrative capacities

Operational Programme 'Efficient Human Resources'

EU-level tenders

The European Union encourages cooperation between Member States in EU's priority policy areas through the so-called Union Programmes that are implemented directly from Brussels. They mostly require several partners from at least 3 Member States. Some programmes of interest for entrepreneurs:

  1.  Horizon 2020 – research and innovations
  2.  COSME – company competitiveness (primarily SMEs)
  3.  LIFE environmental protection and climate action
  4.  Creative Europe – cinematography, cultural and creative sectors