Small businesses in Croatia play a crucial role in boosting the economy and creating jobs. Foreign banks have made it easier for small businesses to get loans, but they tend to prefer lending to households and big companies. This leaves smaller businesses, especially those not focused on technology, struggling to get the funding they need. Even fast-growing small businesses can face challenges in getting loans due to information gaps. Smaller banks tend to lend more to small businesses, while larger banks are starting to pay more attention to them. Overall, there are positive signs of improvement in the availability of funding options for small businesses in Croatia.