Professional Business Overdraft
A limit for inventory, suppliers, tax and short-term business expenses.
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.
Currency unconfirmed
- Year 1
- Not confirmed by the bank
- From year 2
- Not confirmed by the bank
Business eligibility and documents
Professional-segment customers; the bank assesses amount, currency and interest.
- Who can apply
- Professional-segment customers; the bank assesses amount, currency and interest. 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
The bank does not publish APR for this product. Request a quote with interest, fees and the repayment schedule.
Repayment, costs & documents
- Repayment and security
- Up to 12 months; interest paid quarterly. First-ranking mortgage coverage of at least 40% for existing customers and 70% for new customers; the deposit alternative requires 110% coverage. Source ↗
- Limit fees
- Administration: 1.25% up to ALL 90 million; 1% for ALL 90,000,001–180,000,000. Cash-secured pricing is 0.5%. These are fees, not interest. Source ↗
- Other charges
- Unused-limit charge 1%; application fee EUR 1,000–3,000 or equivalent. Confirm the charging basis and frequency in the quote. Early repayment: 3% using business funds or 5% financed by another bank. Source ↗
Benefits and limitations
✓ For business operating expenses
✓ Term up to 12 months
Final interest, APR and fees are provided in the bank’s individual quote.
| Currencies | Not verified |
|---|---|
| Maximum term (months) | 12 |
| Published APR (%) | Not confirmed |
Official sources and supporting terms
Product page on the bank’s website ↗
Kushtet e Punës 2026 — në fuqi më 1 korrik 2026 ↗Reviewed pages: 11, 15, 16