Individuals or businesses, as defined below, which have an acceptable idea and a business plan/proposal that is able to generate positive projected cash flow and preserve and/or create employment in need of financing and fulfill the following criteria:

• Individuals or other forms of entities registered in QKB or the Farmers Register and have less than 12 months of operations;
• Start-Up MSMEs, that have sufficient projected Repayment Capacity for the requested financing;
• Lack or only possess insufficient collateral;
• Clearance from the Credit Registry of the Bank of Albania for the business and owner;
• Cleared by the most recent UN Sanction list and European Sanction list;
• New loans to existing clients who currently have no outstanding non-performing bad loans;
• New loans to new clients;
• Maximum loan ceiling amount: Euro 20,000 (or equivalent in Albanian Lek);
• Loan types: Working Capital and Investment Loans. No consumption finance;
• Maturity:

1. 1. Working Capital: maximum 36 months, but not less than 12 months (up to 6 months grace period);
   2. Investment Loans: maximum 60 months, but not less than 12 months (up to 12 months grace period).