Privately owned businesses, IPARD and NON-IPARD with less than 35 permanent employees that need bank finance and that fulfil the following criteria:

• Legal status: partnership, proprietorship or company (private as well as limited) registered within QKR or Farmers Register;
• Going concern for 2 years;
• Carefully selected SMEs, which meet prudent credit evaluation and due diligence guidelines acceptable to the Albanian Development Guarantee Foundation;
• Have a project that generates sufficient cash flow for repayment;
• Lack or only possess insufficient bankable collateral;
• Meet all prudential regulations and clearance from the Credit Bureau of the Bank of Albania;
• Cleared by the most recent Bank of Albania Sanction list;
• Other conditions may apply