The Start-Up Guarantee Window for Bank Clients is dedicated to supporting individuals and businesses, which have a bankable idea and a business plan/proposal, that is able to generate positive projected cash flow and preserve and/or create employment, and are in need of financing. Start Up Window terms are as follows:

• Risk Coverage: up to 70% of risk covered by ADGF;
• Maximum loan ceiling amount: Euro 50,000 (or equivalent in Albanian Lek);
• Loan types: Overdrafts, Working Capital, and Investment Loans. No consumption finance;
• Loan Maturity:

1. 1. Overdrafts: A maximum term of 12 months;
   2. Working Capital: maximum of 36 months, but not less than 12 months (up to 6 months grace period);
   3. Investment Loans: maximum of 60 months, but not less than 12 months (up to 12 months grace period).