Covid Window

Bank’s existing clients or new ones facing cash flow problems related ONLY to the situation created due to enforced measures against COVID-19 and that fulfil the following criteria:

  • Risk Share (principal only):
    • 70% of risk taken by ADGF for new clients of the Bank;
  • Maximum loan ceiling amount: Euro 500,000 (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 if the existing loan balance has been settled without any delays;
  • Loan types: working capital and overdrafts only (revolving credit lines if applicable)
  • Maturity:
    1. Working Capital: maximum 36 months;
    2. Overdrafts: 12 months;
    3. Investments Loans: maximum 84 months;
  • Maximum borrower’s loan amounts: not to exceed EUR 1,000,000 (or equivalent in Albanian Lek);
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