Slovenski regionalno razvojni sklad

What Slovenski regionalno razvojni sklad does

Slovenski regionalno razvojni sklad (SRRS) is a public financial institution of the Republic of Slovenia, established in 1996 and headquartered in Ribnica, with a statutory mandate to reduce regional development disparities. Over three decades of operation it has supported more than 13,000 projects with cumulative incentives exceeding €640 million. The fund operates four core programs — AGRO (agriculture and forestry), BIZI (entrepreneurship), LOKALNO (local infrastructure and public sector), and NVO (non-profit organizations) — through more than 20 distinct financial products ranging from €5,000 interest-free microloans (AGRO FI Mikro) to €6 million municipal infrastructure loans (LOKALNO Občine). It also distributes non-repayable grants and pre-financing instruments, particularly under Slovenia's Recovery and Resilience Plan, with preferential terms targeted at border problem areas and regions where Italian and Hungarian autochthonous national communities reside.

SRRS operates its core technology through the e-Rsklad electronic application platform, which integrates with the EBONITETE.SI credit scoring system and the Surveying and Mapping Authority (GURS) for collateral valuation, and additionally offers the EIB-developed Green Checker tool for 40-criterion sustainability assessment. The fund distributes financial products through a hybrid model combining self-serve e-applications, a partner network (notably KGZS for agriculture), and direct consultation for enterprise clients. It does not earn traditional commercial revenue; its economics rest on blended capital from national budget, EU structural funds, the Recovery and Resilience Plan, and EIB partnerships, with loan repayments serving as the principal cash flow stream.

The organization's go-to-market is sales-led public tender: open calls are published in the Official Gazette of the Republic of Slovenia and on the SRRS website, with applications accepted continuously or until fixed deadlines and funds are exhausted. Marketing is conducted through official channels, e-newsletter, webinars, regional events, and participation in European venues such as the fi-compass conference. The fund is led by Director Matjaž Ribaš, is GDPR-compliant, and since August 2024 has held membership in the European Association of Mutual Guarantee Institutions (AECM).

Name

Slovenski regionalno razvojni sklad

Legal name

Slovenski regionalno razvojni sklad

Website

https://srrs.si

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

SRRS is Slovenia's public regional development financial institution, established in 1996 and headquartered in Ribnica. It deploys loans and grants via four programs (AGRO, BIZI, LOKALNO, NVO) to SMEs, farmers, municipalities, and non-profits, prioritizing border problem areas.

Ownership category

akta.pro rank

Headquarters

HQ city

Ribnica

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Loan Repayments: SRRS provides favorable loans to businesses, farmers, municipalities, and non-profit organizations. Loans are repaid with interest rates that vary based on product type, with some products offering 0% interest (AGRO FI Mikro), while others use variable rates based on EURIBOR plus margin. The fund operates as a public financial institution focused on regional development rather than profit maximization.
2. Non-repayable Grants: SRRS distributes non-repayable funds (nepovratna sredstva) as part of various financial products, particularly for entrepreneurs in border problem areas, craftspeople, and agricultural projects. These grants are funded through national budget and European funds including the Recovery and Resilience Plan.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

SRRS is a state-owned public financial institution that provides favorable loans, microloans, pre-financing instruments, and non-repayable grants to Slovenian SMEs, farmers, municipalities, and non-profit organizations for regional development purposes. It operates four programs (AGRO, BIZI, LOKALNO, NVO) covering more than 20 distinct financial products with interest rates as low as 0% and preferential terms for border problem areas.

Product overview

Slovenski regionalno razvojni sklad (SRRS) is a Slovenian public financial institution that provides financial incentives and support programs for regional development, rural development, and economic growth across Slovenia. The organization operates four main support programs (AGRO, BIZI, LOKALNO, NVO) which collectively offer over 20 distinct financial products including loans, microloans, pre-financing instruments, and non-repayable grants. The portfolio includes specialized products for agriculture (AGRO FI Mikro, AGRO FI Mladi), entrepreneurship (BIZI Turizem, BIZI Krožno, BIZI NOO), local infrastructure (LOKALNO Občine, LOKALNO Komunalna), and non-profit organizations (NVO Gasilci, NVO Rokodelci). Applications are submitted through the e-Rsklad digital platform.

Differentiator

Problem solved

Functional benefit

Brands

• AGRO: Program for agriculture and forestry sector providing financial incentives for agricultural development
• BIZI
• LOKALNO
• NVO
• e-Rsklad
• Green Checker

Products and services

• AGRO FI Mikro Interest-free microloans (0% interest) for small farms and young farmers for purchasing agricultural equipment, construction, land purchase, working capital, and new technologies. Loan amounts from 5,000 to 25,000 EUR with repayment period up to 5 years, no contract or account management fees.
• AGRO FI Mladi Development loan for young farmers with portfolio guarantee, interest rate subsidy, and capital reduction tied to sustainability targets. Loan amounts from 25,001 to 1,000,000 EUR with 0.5% fixed interest for sustainable projects and 1% for other projects, repayment period up to 20 years.
• AGRO Invest

Quantifiable outcome

• 14.30 million EUR approved from 15.7 million EUR available in first year of financial instruments in agriculture (91% utilization)
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core and important.

• AECM (European Association of Mutual Guarantee Institutions)coreStrategic or Co-development Partner · 15 August 2024SRRS is a member of AECM, which enables access to international experiences and knowledge sharing. Membership facilitates better monitoring of European legislative changes and faster implementation of necessary adaptations. AECM membership strengthens financial capabilities and support for regional development.
• European Investment Bank (EIB)coreStrategic or Co-development PartnerSRRS collaborates with the European Investment Bank on the Green Checker tool, an advanced sustainability assessment tool that evaluates projects against 40+ criteria for carbon neutrality. This partnership enables SRRS to offer enhanced sustainability assessment capabilities to applicants seeking funding for green transition projects.
• Ministry of Local Self-Government, Cohesion and Regional Development (MLSKRR)coreStrategic or Co-development PartnerThe Ministry provides policy direction and oversight for regional development activities. SRRS operates within the framework of national regional development policy and strategies set by the Ministry.
• Ministry of Agriculture (MKM)coreStrategic or Co-development PartnerThe Ministry of Agriculture collaborates with SRRS on agricultural financial instruments, providing funding and policy guidance for the AGRO program financial products including AGRO FI Mikro and AGRO FI Mladi.
• Ministry of Economy, Labor and SportscoreStrategic or Co-development PartnerThe Ministry collaborates with SRRS on BIZI entrepreneurship support programs and other economic development initiatives.
• Chamber of Agriculture and Forestry of Slovenia (KGZS)importantChannel Partner/ Reseller/ DistributorKGZS collaborates with SRRS on presenting and promoting AGRO financial products to farmers. Joint webinars and presentations help reach agricultural beneficiaries effectively.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SID Banka: Slovenian Export and Development Bank, the other principal state-owned development finance institution in Slovenia. Both funds operate under MFIN oversight, channel EU and state resources, and finance SME, agricultural, and infrastructure projects, making the closest direct domestic peer to SRRS.
• Business Development Bank of Canada (BDC): Canadian state-owned development bank providing financing, capital, and advisory services to SMEs. Comparable to SRRS in state mandate, target customer (small businesses), and use of subsidized instruments to address market gaps in SME financing.
• Slovenski podjetniški sklad (Slovenian Enterprise Fund): Slovenian state fund providing equity, quasi-equity, and loan instruments to SMEs, startups, and regional development. Closely comparable to SRRS's BIZI entrepreneurship program in target customer (Slovenian SMEs) and instrument type (favorable loans, guarantees, co-investment).
• Czech National Development Bank (ČMZRB): Czech state development bank providing loans, guarantees, and grants to SMEs, agriculture, and municipalities using EU structural funds. Mirrors SRRS's model of blending national budget and EU resources to deliver concessional regional development financing in a similar Central European economy.
• SZRB Slovak Guarantee and Development Bank: Slovak state development bank providing SME loans, guarantees, and EU-fund pre-financing. Closely comparable to SRRS in scale, geographic scope (single country), and product mix (loans, microloans, guarantees, pre-financing for EU grants).
• ICO Spain (Instituto de Crédito Oficial): Spanish state-owned financial institution providing subsidized loans to SMEs, self-employed, and regional entities. Comparable to SRRS as a state channel for EU cohesion and national budget funds, with similar product structure (favorable loans, pre-financing).
• MFB Hungarian Development Bank: Hungarian state-owned development bank financing SMEs, agriculture, and municipal infrastructure through EU-cofinanced instruments. Comparable to SRRS in mandate (regional development), instrument mix (subsidized loans, guarantees), and EU funding dependency.

Broad incumbents

• Bpifrance: French public investment bank providing financing, guarantees, and equity to SMEs and mid-caps. Comparable to SRRS in mandate (state-backed SME/regional development financing) and product families, though at substantially larger scale and broader scope.
• KfW Group: German state development bank financing SMEs, municipalities, and green transition domestically and via EU/international programs. Comparable to SRRS in mission and product categories but operates at vastly larger scale and broader geographic scope.

Others

• European Investment Fund (EIF): EU body providing SME guarantees, counter-guarantees, and fund-of-funds investments across EU member states. SRRS is a counterparty/beneficiary of EIF-supported instruments and an AECM peer; functions as upstream capital provider rather than direct competitor but is comparable in the development finance ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/slovenski-regionalno-razvojni-sklad

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Slovenski regionalno razvojni sklad