HAMAG-BICRO (Croatian Agency for SMEs, Innovations and Investments) is the key government agency in Croatia dedicated to stimulating the development of small and medium-sized enterprises (SMEs). The agency provides a wide array of services and financial instruments to support entrepreneurs, including non-repayable grants, guarantees, and favorable loans. Its core activities also focus on encouraging research, development, and innovation projects. Furthermore, HAMAG-BICRO offers support services such as expert assistance and education for business development, internationalization, identifying business partners, and protecting intellectual property.
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