SME & Micro investment loan
Financing for equipment, premises, renovation and business expansion.
Cost summary
Indicative figures- Monthly payment
- UnconfirmedPer month
- Total interest
- UnconfirmedOver the whole term
- Fees
- UnconfirmedUpfront bank fee only
- Total repayment
- UnconfirmedLoan + interest + known fee
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →Your product context
Calculate with this product →Nominal interest by currency
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.
Currency unconfirmed
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Business eligibility and documents
For starting or expanding a business, supported by an investment plan and supplier invoices; approval and guarantees are individually assessed.
- Criteria and documents
- For starting or expanding a business, supported by an investment plan and supplier invoices; approval and guarantees are individually assessed. 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 →
- APR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Amount and disbursement
- Amount depends on operations and the investment plan. Funds are paid into supplier accounts against invoices. Source ↗
- Repayment and security
- Up to 10 years with monthly payments; reduced principal or grace period depending on project. Property mortgage or equipment/production-line pledge; the bank also assesses cases with insufficient collateral. Source ↗
Benefits and limitations
✓ Up to 10 years with monthly instalments
✓ Equipment and fixed assets
Amount depends on business activity and investment plan. Rate, fees and currency require an individual quote.
| Currencies | Not verified |
|---|---|
| Maximum term (months) | 120 |
| Published APR (%) | Not confirmed |
| Collateral | Mortgage, equipment or production-line pledge; subject to assessment. |