Medium- and Long-term Business Loan
For machinery, buildings, equipment and business expansion.
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
Margin and floor depend on profile; not a universal price for all SME financing.
Official terms ↗EUR · Euro
Margin and floor depend on profile; not a universal price for all SME financing.
Official terms ↗USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Business eligibility and documents
For the small-business option: company history extract, two years of filings, ID, family certificate, three months’ payroll and liability certificate; property documents and building permit/cost estimate where relevant.
- Criteria and documents
- For the small-business option: company history extract, two years of filings, ID, family certificate, three months’ payroll and liability certificate; property documents and building permit/cost estimate where relevant. 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
- Standard SME financing
- ALL/EUR/USD over up to 120 months, with a grace period where applicable; property, equipment and refinancing long-term obligations. Source ↗
- Small-business option
- Separate option on the same page: ALL 300,000–40,000,000 / EUR 3,000–400,000, up to 15 years. Collateral is not required up to ALL 6 million / EUR 50,000. Other amounts are individually assessed. Source ↗
Benefits and limitations
✓ Up to 10 years
✓ ALL, EUR or USD
Agro financing at up to 2% APR is a separate programme, not standard investment pricing. A USD nominal rate was not verified.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 120 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredia Afatmesme dhe Afatgjatë