Small Business Working Capital
Finance inventory, suppliers, taxes and short-term 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
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
Nominal rate unconfirmed. Request pricing for this currency from the bank.
EUR · Euro
Nominal rate unconfirmed. Request pricing for this currency from the bank.
USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
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
- Amount and repayment
- Up to ALL 14 million or EUR/USD equivalent, up to three years; payments follow the business cycle for inventory, suppliers, taxes and liquidity. Source ↗
Benefits and limitations
✓ Up to 3 years
✓ Up to ALL 14 million equivalent
The unsecured “Quick loan” on the same page is a different product; this financing is not automatically labelled unsecured. Rate and APR are unpublished.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 36 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLWorking capital | — – 14,000,000 | —–36 | By agreementEUR/USD: equivalent of ALL 14 million, not a fixed converted cap. |
| EURWorking capital | — – Confirm amount with bank | —–36 | By agreementEUR/USD: equivalent of ALL 14 million, not a fixed converted cap. |
| USDWorking capital | — – Confirm amount with bank | —–36 | By agreementEUR/USD: equivalent of ALL 14 million, not a fixed converted cap. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për Kapital Qarkullues – Biznesi i vogël