The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.

ALL · Lekë

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

EUR · Euro

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

Business eligibility and documents

Businesses needing inventory and working capital; the bank assesses operations and repayment capacity.

Who can apply: Businesses needing inventory and working capital; the bank assesses operations and repayment capacity. Source ↗

Annual percentage rate (APR)

APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.

Understand APR and the nominal rate, with an example →

ALL: Not confirmed
EUR: Not confirmed

The bank does not publish APR for this product. Request a quote with interest, fees and the repayment schedule.

Repayment, costs & documents

Amount by currency: Up to ALL 5,000,000 or its EUR equivalent. The bank determines the euro amount using its applicable exchange rate. Source ↗
What it finances: Inventory, supplies and operating expenses. Listed sectors include pharmacies, clinics, trade and production. Source ↗

Benefits and limitations

✓ No collateral

✓ Up to 36 months

Final interest, APR and fees are provided in the bank’s individual quote.

Key published conditions
Currencies	ALL, EUR
Maximum term (months)	36
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Collateral	Pa kolateral / Unsecured

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLStandard	— – 5,000,000	—–36	By agreementFinal interest, APR and fees are provided in the bank’s individual quote.
EURStandard	— – Confirm amount with bank	—–36	By agreementFinal interest, APR and fees are provided in the bank’s individual quote.

Official sources and supporting terms

Product page on the bank’s website ↗