Overdraft and credit line — very small business
Finance everyday business needs.
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
View rates by option (3)
ALL · Very small business · Annual nominal rate
- Year 1
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
EUR · Very small business · Annual nominal rate
- Year 1
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
USD · Very small business · Annual nominal rate
- Year 1
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
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
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
Interest on drawn funds, for terms up to 12 months.
Official terms · page 8 ↗EUR · Euro
- Year 1
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
Interest on drawn funds, for terms up to 12 months.
Official terms · page 8 ↗USD
- Year 1
- 9.5 – 12.5%Fixed rate
- From year 2
- 9.5 – 12.5%Same fixed rate until repayment
Interest on drawn funds, for terms up to 12 months.
Official terms · page 8 ↗Business eligibility and documents
The bank assesses business income and repayment capacity.
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
The PDF’s 6.95% APR illustration uses 6.4% interest, outside the published range; it cannot represent this current offer.
Repayment, costs & documents
- Administration and early repayment
- Administration 1–2%. Early closure of a business overdraft or credit line costs 3% of the approved limit. The term-loan 3%/5% table is not applied here. Confirm any financing-specific conditions in the contract. Source ↗
- Overdraft repayment
- Interest is calculated daily on drawn funds and paid at month-end. Credit-line drawings are repaid from business receipts. Source ↗
Fees, conditions and use
- Pre-approved umbrella limit
- The bank also offers an umbrella limit covering loans, overdrafts, guarantees and letters of credit. Approving this limit has no extra charge; this does not waive the fees of the products used. Source ↗
Benefits and limitations
✓ Financing in ALL, EUR or USD
✓ Up to 12 months
These rates and limits apply only to the very-small-business segment. The bank sets the final rate.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 12 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLVery small business | 1,400,000 – 10,000,000 | —–12 | See nominal interest aboveLimits are from the very-small-business schedule; security depends on bank assessment. |
| EURVery small business | 10,000 – 100,000 | —–12 | See nominal interest aboveLimits are from the very-small-business schedule; security depends on bank assessment. |
| USDVery small business | 10,000 – 100,000 | —–12 | See nominal interest aboveLimits are from the very-small-business schedule; security depends on bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
ProCredit · Biznes shumë i vogël · kushtet prill 2026 ↗Reviewed pages: 8, 9