Eligibility Borrowers

  • 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
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