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

Programme for eligible businessesBank-published interest rate

Year 1: Not confirmed by the bankPublished rate: 2%

From year 2: Not confirmed by the bank

The page does not specify the fixed period or reset rules. This is not APR and is not used for automatic payment estimates.

Official terms ↗

Business eligibility and documents

Micro, small and medium enterprises and farmers with a tax ID, in eligible programme sectors. The bank approves the project and security.

Who can apply: Micro, small and medium enterprises and farmers with a tax ID, in eligible programme sectors. The bank approves the project and security. 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

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

Repayment, costs & documents

Guarantee and your contribution: The programme provides a guarantee for 70% of the loan principal; the remainder is secured under bank requirements. This is not debt forgiveness or free financing. Source ↗
Eligible investments: Machinery, equipment, digitalisation, certification, energy efficiency and logistics infrastructure, subject to programme rules. Source ↗

Benefits and limitations

✓ Up to ALL 200 million

✓ Up to 10 years

Only for investments meeting programme requirements. Confirm APR, the payment schedule and additional security with the bank.

Key published conditions
Currencies	ALL
Maximum term (months)	120
Published APR (%)	Not confirmed
Fees	0.5% komision disbursimi / disbursement fee

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLStandard	— – 200,000,000	—–120	See nominal interest aboveFinal interest, APR and fees are provided in the bank’s individual quote.

Official sources and supporting terms

Product page on the bank’s website ↗