Green Window for Bank Clients

Green Window is dedicated to providing special support for MSME investments that lead to a reduction in energy consumption or CO² emission of at least 20%. The “Green Window” will focus on renewable energy and energy efficiency, under the following conditions:

• 50/50 risk-sharing basis;
  • Maximum loan ceiling amount Euro 500,000.00 (or equivalent in Albanian Lek);
  • Currency: ALL, FX only in exceptional cases;
  • Loans: Only new loans; no refinancing or restructured existing facilities. In case of loans to existing borrowers, loan quality should be classified as normal and current;
  • Concurrent Loans per business borrower are allowed under the following pre-conditions:
• No more than two loans are allowed at any particular time irrespective of the fact that total loans’ ceiling is within ADGF’s approved maximum ceiling limit;
• At least 40% of the existing loan balance has been settled without any delays;
• Outstanding balance to be reviewed and approved case by case;
• As usual, good business performance and improved performance if the suggested loan amount is higher than the existing loan’s original amount.
  • Loan types: Working capital and investment loans
  • Maturity:
• Working Capital: a maximum of 36 months, but not less than 12 months;
• Investment loans: a maximum of 84 months, but not less than 12 months.
• Maximum borrower’s loan amounts not to exceed EUR 600,000 (or equivalent in Albanian Lek)