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Loans to MSME businesses in the agricultural sector specifically, in rural areas in general, and other sectors of the economy 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: maximum of 36 months, but not less than 12 months;
    • Investment loans: 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)
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