Fixed Asset Loan
Finance machinery, premises, technology and investment refinancing.
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
Fixed only for terms up to 12 months; confirm applicability versus the variable option with the bank.
Official terms · page 8 ↗Subject to profile and bank contract.
Official terms · page 8 ↗EUR · Euro
Fixed only for terms up to 12 months; confirm applicability versus the variable option with the bank.
Official terms · page 8 ↗Subject to profile and bank contract.
Official terms · page 8 ↗USD
Fixed only for terms up to 12 months; confirm applicability versus the variable option with the bank.
Official terms · page 8 ↗Subject to profile and bank contract.
Official terms · page 8 ↗Business eligibility and documents
Consult the bank’s terms and documents for eligibility criteria.
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
- Financing and repayment
- Up to 80% of investment and 180 months, in ALL/EUR/USD. Repayment tailored to business cash flow; rate, fees and APR require an individual quote. Source ↗
- Term and purpose
- Financing in ALL/EUR/USD for up to 15 years for fixed assets and business expansion. Source ↗
- Very-small-business option
- The dedicated schedule lists ALL 100,000–10 million or EUR/USD 10,000–100,000; 9.5–15% up to 60 months. For assets above 36 months: 12M T-bills/Euribor/CME Term SOFR + 6.5–8.5%, minimum 9%. Bands overlap; the bank must confirm the applicable option. Source ↗
- Very-small-business fees
- Administration 1–2%. Early repayment from own funds 3%, refinancing 5%, minimum ALL 15,000/EUR/USD 100; loans with 0% administration have a separate 5% rule. Source ↗
Benefits and limitations
✓ Up to 15 years
✓ Up to 80% of investment
The rates and fees above are only for the very-small-business segment. Its 6.95% APR example uses 6.4% nominal, below the schedule’s range, so it is not treated as current pricing.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 180 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
Official sources and supporting terms
Product page on the bank’s website ↗
ProCredit · Biznes shumë i vogël · kushtet prill 2026 ↗Reviewed pages: 8, 9