SME Investment Loan
Investment financing for small and medium-sized businesses.
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.
ALL · Lekë
The 3/6/12-month benchmark depends on exposure term. These are not personal-loan or Agro terms.
Official terms · page 16 ↗EUR · Euro
The 3/6/12-month benchmark depends on exposure term. These are not personal-loan or Agro terms.
Official terms · page 16 ↗USD
The 3/6/12-month benchmark depends on exposure term. These are not personal-loan or Agro terms.
Official terms · page 16 ↗Business eligibility and documents
Business registration, financial statements, legal representative identification, financing purpose and collateral documents. Further documents may be required.
- Criteria and documents
- Business registration, financial statements, legal representative identification, financing purpose and collateral documents. Further documents may be required. 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
- USD
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
Benefits and limitations
✓ Business-specific structure
✓ Equipment and expansion
Final pricing depends on segment, risk and security. A numeric APR was not confirmed for this investment loan.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 180 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Fees | Administrim 0–1.5%, min 5,000 ALL / 50 EUR; aplikim 5,000 ALL |
| Collateral | Sipas analizës së biznesit / Subject to business assessment |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLFixed assets · SE | — – 350,000,000 | —–180 | See nominal interest aboveCap ALL 350 million or equivalent; final amount subject to bank assessment. |
| EURFixed assets · SE | — – Confirm amount with bank | —–180 | See nominal interest aboveCap ALL 350 million or equivalent; final amount subject to bank assessment. |
| USDFixed assets · SE | — – Confirm amount with bank | —–180 | See nominal interest aboveCap ALL 350 million or equivalent; final amount subject to bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për investime – SME
Credins · Kushtet për biznes · maj 2026 ↗Reviewed pages: 16