Croatia has a significant potential for the use of grants under EU funds, which can significantly boost the development of entrepreneurship and bring it closer to the average level of development in the EU. However, the process of accessing and using different sources of co-financing at the national level is often fraught with considerable complexity and specific obstacles, which can discourage entrepreneurs. It is important to point out that the respect for the fundamental principles of the system is sometimes also questionable, including the principles of equal treatment, transparency, and unified decision-making on demanding issues. This causes difficulties for businesses, including those related to long-term investment planning, business development, and cash flow management.

This document provides a detailed insight into the challenges businesses face in this regard. Challenges and potential solutions are divided into three logical units: improvement of existing digital systems, expansion of scope and clearer interpretation of state aid rules, and process and time efficiency of the system.