Micro and SME Start-up Loan
For new businesses: working capital up to three years or investment up to five years.
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
Interest and monthly payments over time
- Year 1
- Not confirmed by the bankMonthly payment—
- From year 2
- Not confirmed by the bankMonthly payment—
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.
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
Recently registered micro and small businesses; the bank assesses projects with limited financial history or collateral.
- Who can apply
- Recently registered micro and small businesses; the bank assesses projects with limited financial history or collateral. 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 and term
- EUR 5,000–50,000 or ALL equivalent. Working capital: up to 36 months with up to six months’ grace; investment: up to 60 months with up to 12 months’ grace. Source ↗
- Security by amount
- Up to EUR 20,000 or ALL equivalent: unsecured. EUR 20,001–50,000: 30% coverage through property, equipment/machinery pledge or a guarantee from a company operating for at least three years. Suppliers are paid against invoices. Source ↗
Benefits and limitations
✓ For new businesses
✓ Unsecured up to EUR 20,000 or ALL equivalent
Final interest, APR and fees are provided in the bank’s individual quote.
| Currencies | ALL, EUR |
|---|---|
| Maximum term (months) | 60 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLWorking capital | — – Confirm amount with bank | —–36 | By agreementFinal interest, APR and fees are provided in the bank’s individual quote. |
| ALLInvestment | — – Confirm amount with bank | —–60 | By agreementFinal interest, APR and fees are provided in the bank’s individual quote. |
| EURWorking capital | 5,000 – 50,000 | —–36 | By agreementFinal interest, APR and fees are provided in the bank’s individual quote. |
| EURInvestment | 5,000 – 50,000 | —–60 | By agreementFinal interest, APR and fees are provided in the bank’s individual quote. |