Kad vodite mali obrt ili tvrtku, „natječaji“ zvuče kao nešto za velike igrače s cijelim odjelom za EU fondove. Nije baš tako: dio programa napravljen je upravo za mikro poduzetnike, žene poduzetnice i one koji tek kreću. Problem je što su razbacani po desetak različitih stranica, pa sam ih ovdje skupila na jedno mjesto, s poveznicama na izvore.
Otvoreno sada
EU nagrada za žene inovatorice 2027. Europsko vijeće za inovacije (EIC) i Europski institut za inovacije i tehnologiju (EIT) svake godine nagrađuju žene koje su osnovale ili suosnovale inovativnu tvrtku. Nagrada je novac bez obaveza: nema projektnog ugovora ni udjela u tvrtki.
- Žene inovatorice: 100.000 €, 70.000 € i 50.000 €
- Mlade inovatorice (do 35 godina): 50.000 €, 30.000 € i 20.000 €
- EIT Women Leadership: 50.000 €, 30.000 € i 20.000 €, za žene povezane s EIT zajednicom, npr. one koje su prošle akceleracijski program EIT Fooda ili neke druge EIT zajednice
Prijavljujete se kao osoba, morate biti osnivačica ili suosnivačica, a tvrtka mora biti registrirana prije 1. siječnja 2025. Prijaviti se možete u samo jednu kategoriju.
Rok: 1. prosinca 2026. u 17:00. Uvjeti i prijava
HAMAG-BICRO: Mali zajmovi za žene poduzetnice i poduzetnike početnike. Zajam s vrlo niskom kamatom, uz mogućnost da dio uopće ne morate vratiti.
- Iznos: od 25.001 do 100.000 €
- Kamata: 0,5 % godišnje, fiksna, bez naknade za obradu
- Otplata: do 10 godina, uz poček do 12 mjeseci
- Otpis do 50 % glavnice ako uredno otplaćujete i zapošljavate: svaki novi zaposlenik donosi 10 % otpisa, a 15 % ako je riječ o ženi ili osobi mlađoj od 30 godina
Zajam je namijenjen tvrtkama u kojima žene najmanje dvije godine imaju više od 50 % vlasništva te poduzetnicima početnicima (do tri godine poslovanja). Novac možete uložiti u opremu i nematerijalnu imovinu, a do 30 % u obrtna sredstva. Razvoj proizvoda i usluga se ne financira.
Program vrijedi do iskorištenja sredstava, a najkasnije do kraja 2029. Neki ga pregledi ipak vode kao zatvorenog, pa status provjerite izravno s HAMAG-BICRO-om prije nego krenete u papirologiju. Uvjeti programa (PDF)
HZZ: potpore za zapošljavanje. Ako planirate zaposliti nekoga, Hrvatski zavod za zapošljavanje sufinancira plaću 12 ili 24 mjeseca, otprilike 420 do 1.040 € mjesečno, ovisno o mjeri. Osoba koju zapošljavate mora biti prijavljena na Zavodu i pripadati ciljanoj skupini (npr. mladi ili osobe bez radnog iskustva u struci), a vi morate poslovati najmanje 12 mjeseci. Mjere HZZ-a
Stiže uskoro
Vaučeri za digitalizaciju (najava: prvo tromjesečje 2027.). Mali i srednji poduzetnici moći će dobiti vaučer za stručne usluge: digitalnu strategiju, digitalne vještine, kibernetičku otpornost ili složenija digitalna rješenja. Prema dosadašnjim najavama vaučeri bi iznosili otprilike 10.000 do 30.000 €, uz sufinanciranje od oko 64 %. Obična web stranica zasad nije na popisu prihvatljivih troškova. Poziv je već jednom kasnio, pa iznose i datume uzmite kao okvirne. Najava poziva (HOK)
Dokazivanje inovativnog koncepta, drugi poziv. Poziv za one koji imaju ideju za novi proizvod ili uslugu i trebaju provjeriti ima li tržište, prije nego što je proizvod gotov. U prvom pozivu potpore su bile od 26.500 do 70.000 €. Drugi poziv, ukupno 5,3 milijuna eura, okvirno je bio najavljen za jesen 2026., ali u trenutku pisanja još nije objavljen. Nije za proizvode koji su već na tržištu. Otvoreni pozivi HAMAG-BICRO-a
Vrijedi zapisati za 2027.
- Cartier Women's Initiative: nagrade do 100.000 USD za tvrtke koje vode žene i koje imaju jasan društveni ili ekološki učinak. Prošli ciklus zatvoren je u lipnju 2026., a novi se očekuje u proljeće 2027.
- Najinovativniji startup Hrvatske (HAMAG-BICRO): nagradni fond veći od 30.000 €, a mogu se prijaviti i obrti osnovani nakon 1. 1. 2020. Najviše se boduje trakcija, zatim inovativnost i potencijal rasta. Ovogodišnji rok bio je 1. rujna, pa pratite sljedeće izdanje.
Ovaj tekst je informativan. Uvjeti i rokovi mogu se promijeniti, a uvijek vrijedi službeni tekst poziva.
When you run a small craft business or company, "funding calls" sound like something for big players with a whole EU-funds department. Not quite: some programmes are built precisely for micro businesses, women entrepreneurs and people just starting out. The problem is that they are scattered across a dozen different websites, so I've gathered them here in one place, with links to the sources.
Open now
EU Prize for Women Innovators 2027. The European Innovation Council (EIC) and the European Institute of Innovation and Technology (EIT) reward women who founded or co-founded an innovative company every year. The prize is money with no strings attached: no project contract and no equity.
- Women Innovators: €100,000, €70,000 and €50,000
- Rising Innovators (under 35): €50,000, €30,000 and €20,000
- EIT Women Leadership: €50,000, €30,000 and €20,000, for women linked to the EIT community, e.g. alumni of an EIT Food or other EIT accelerator programme
You apply as an individual, you must be the founder or co-founder, and the company must have been registered before 1 January 2025. You can apply to one category only.
Deadline: 1 December 2026, 17:00 CET. Rules and application
HAMAG-BICRO: Small loans for women entrepreneurs and start-ups. A very low-interest loan, part of which you may never have to repay.
- Amount: €25,001 to €100,000
- Interest: 0.5% a year, fixed, no processing fee
- Repayment: up to 10 years, with up to 12 months' grace
- Up to 50% of the principal written off if you repay on time and hire: each new employee earns a 10% write-off, or 15% if the new hire is a woman or under 30
The loan is for companies where women have held more than 50% ownership for at least two years, and for start-ups (up to three years in business). You can invest in equipment and intangible assets, and up to 30% in working capital. Product and service development is not eligible.
The programme runs until funds are used up, at the latest until the end of 2029. Some overviews list it as closed, though, so check the status with HAMAG-BICRO directly before you start on the paperwork. Programme terms (PDF, in Croatian)
Croatian Employment Service (HZZ): hiring subsidies. If you plan to hire, HZZ co-finances the salary for 12 or 24 months, roughly €420 to €1,040 a month depending on the measure. The person you hire must be registered with HZZ and belong to a target group (e.g. young people or people without work experience in their field), and your business must have been operating for at least 12 months. HZZ measures
Coming soon
Digitalisation vouchers (expected: first quarter of 2027). Small and medium-sized businesses will be able to get a voucher for expert services: a digital strategy, digital skills, cyber resilience or more complex digital solutions. Based on announcements so far, vouchers would be worth roughly €10,000 to €30,000, with about 64% co-financing. A standard website is not on the list of eligible costs so far. The call has already been delayed once, so treat the amounts and dates as indicative. Call announcement (HOK, in Croatian)
Proof of innovative concept, second call. For people with an idea for a new product or service who need to test whether there is a market for it before the product is finished. In the first call, grants ranged from €26,500 to €70,000. The second call, €5.3 million in total, was indicatively planned for autumn 2026 but had not been published at the time of writing. It is not for products already on the market. HAMAG-BICRO open calls
Worth noting for 2027
- Cartier Women's Initiative: prizes of up to $100,000 for women-led businesses with a clear social or environmental impact. The last cycle closed in June 2026; the next is expected in spring 2027.
- Croatia's most innovative start-up (HAMAG-BICRO): a prize pool of over €30,000, open to craft businesses too if founded after 1 January 2020. Traction carries the most weight, followed by innovation and growth potential. This year's deadline was 1 September, so watch for the next edition.
This article is for information only. Terms and deadlines may change; the official call text always prevails.