Small Business Loans
Do you need a loan for your business?
Contact our Relationship Managers dedicated to Small Business, to find the best solution for you!
Contact our Relationship Managers dedicated to Small Business, to find the best solution for you!
Small Business Loans
Find the most suitable Loan for your business!
Facilities Renovation
Loans for investments for the organization of spaces for the purpose of providing tourism services.
- Amount up to 15.000.000 LEK
- Favorable Interest rates
- Fixed Monthly Installments based on the product seasonality
- Grace period up to 18 months, as per product cycle
- Loan offered only in LEK
Investment Loan to Woman in Business
ESG Product
Are you a woman you own or run a business? Become part of the funding project for "Women in Business"
- Skip Installment opportunity up to 6 months in case of maternity leave
- Cover investment projects, property’s development, business extension
- Improve technology or start another business project
- The loan is offered in LEK and EUR
Soft Investment Loan
Invest in equipment, aiming to provide better quality products or increase the production of Agro Tourism activities.
- Amount up to 5.000.000 LEK
- Convenient tenor up to 7 years
- Favorable Interest rates
- Loan offered only in LEK
- Grace period up to 18 months, based on seasonality
Short Term Loan to Woman in Business
Do you need a short term financing to cover your operational expenses?
- Preferential prices compared to standard conditions
- The loan is offered in LEK and EUR
- Non-payment of the installment up to 6 months for maternity leave
- One-price dedicated package for women in business
- Fast approval process
Loan for Restaurant Reconstruction
Invest in business facilities & equipment for restaurant activities, in order to provide Agro-Tourism services!
- Loan offered only in LEK
- Flexible Repayment schedule
- Favorable Interest rates
- Tenor up to 5 years
- Loan Amount up to 7.000.000 LEK
- Grace period up to 6 months
Service package for Woman in Business
We want to become your favorite bank, by offering banking products, services and the financial support you need!
- SWIFT service 6 EUR
- Package 1 offers for only for 10 Euro monthly a bundle of services:
- Free Incoming Payments in LEK within the same value date
- Package 2 offers for only for 15 Euro monthly two more services:
- SMS Notification & Mastercard Business Card
- Current account, Online Banking & Automatic Bill Payments
Dedicated offer for small business
Apply for overdraft and/or agro working capital, during the month of September, and benefit from lower interest rates and zero maintenance fee.
- Benefit lower interest rates
- Get ZERO maintenance fee
- The offer will be valid until the end of September
- In the offer is included overdraft and agro working capital
Overdraft for Business
Benefit from the temporary usage of founds for working capital!
- Interest paid only for the used sum during the specified period
- Limit amount up to 2.000.000 LEK
- Tenor 1 year
- Loan offered only in LEK
- No collateral required
ADGF Risk sharing
Intesa Sanpaolo Bank Albania in collaboration with ADGF provides support for business in the agro and tourism field.
- Benefit from accessing financial resources easily
- Expanding access to credit in cases of insufficient collateral
- Apply and receive amounts up to 500.000 EUR
Refinance Offer
NEW
Refinance your business loan, profit zero administration commission and pay a lower monthly installment!
- Up to 15 YEARS for investment loans
- Lower interest rates starting from 4% in EUR and 5% in LEK
- Get dedicated consulting from the Relationship Manager
Business-Auto Leasing
Make the right move for your business!
- Lease payments are deductible expenses & VAT refunded
- Thanks to the suppliers' independence, You get the best offers
- No need for additional Collateral to apply for Business Auto Leasing
- You only need to budget the Lease monthly payment
- On the expiry of the lease term you become the owner of the asset
Agro Working Capital
Its a product designed to finance agribusiness needs.
- Flexible repayment schedule, based on seasonality & product cycle
- Flexible repayment schedule, based on seasonality & product cycle
- Favorable interest rates
Agro Investment
Created to finance agribusiness needs for investment & business expansion, or to improve technology.
- Amount up to 50,000,000 LEK
- Maturity up to 12 years
- Grace period of the loan up to 24 months
- Collateral Immovable Property or land
- Pledges on machinery & equipment
- Flexible repayment schedule, based on seasonality & product cycle
- Transparent Offer in LEK & EUR
Youth in Business
ESG Product
Youth in business is based on an agreement with the EBRD, which aims to promote and support young entrepreneurs up to the age of 35.
- An opportunity to start or further develop your business
- Financing with favorable conditions
- Financial and know-how support for youth up to 35 years old
EBRD Agro-Investment Loan
ESG Product
Designed to finance the agribusiness needs expanding business activity!
- No collateral required for loans up to 20.000 EUR
- Loan Offered in LEK & EUR
- Grace period Up to 12 months, as per project’s timeline
- Favorable Interest rates
- Maturity up to 8 years
- Tailored products according to business particularities
- Amount up to 2.000.000 EUR
Working Capital Loan under the EBRD
Cover your needs for businesses operational expenses!
- No collateral required for loans up to 20.000 EUR
- Loan Offered in LEK & EUR
- Tenor up to 3 years
- Favorable Interest rates
- Grace period up to 12 months, as per project’s timeline
- Amount up to 2.000.000 EUR
Agro-OD line under the EBRD Agreement
Use founds temporary for working capital!
- No collateral required for loans up to 20.000 EUR
- Tenor 1 year
- Favorable Interest rates
- Monedha e depozitës jepet në Lek
- Amount up to 2.000.000 EUR
MEDTE Financing
Financing Projects, investments’ increase, machinery, equipment, technologies purchase of an Italian origin.
- Financed amount from 15.000 EUR – 500.000 EUR
- Favorable Interest rates
- Tenor from 3-8 years
- Loan Offered in LEK & EUR
- Grace period up to 6-24 months based on business cycle
Overdraft Line
Do you need immediate funds to cover unforeseen expenses? Apply for Overdraft Line!
- Offered in EUR / LEK / USD
- Most Competitive Interest Rates in market
- Kohëzgjatja zgjat Max 12 muaj
- Ensures the payment of salaries for employees
- Flexibility in its usage
- Immediately Available
- Interest is paid only for the used amount in time
Investment Loan
We support you covering the expenses for investment capital, machine purchase, construction & property development!
- Simple usage & time saving
- Disbursements adjusted to the dynamics of investment
- Fund capital expenditure, acquisitions, property’s’ development
- Funds are available to be used according client needs
Short Term Loan
Financing for existing & inventory capital, raw materials, business expansion, machinery purchase or liquidity needs
- Pay it with fix monthly installments
- Tenor up to 4 Years
- Loan Offered in LEK & EUR
Transport Leasing
Develop your business & increase your service capacity!
- Lease payments are deductible expenses & VAT refunded
- In order to increase the Investment Value & your Business
- You only need to budget the Lease monthly payment
- Thanks to the suppliers' independence, You get the best offers
- Pay your installment using the income generated from lease asset
Letter of Credit & Bank Guarantee
We support your business!
- Full financing: Import Letter of Credit & Financial Bank Guarantee
- Finance & risk management
- Cross-border trade transactions
- Increase of the company reputation
- Replacement for cash deposits or advance payments
Business Leasing
Choose the right financing for your business!
Other types of Products & Services!
Open Account & Deposit
Manage your finances in a transparent, safe & convenient way and its offered for different category business in different currencies!
learn moreMake Payments & Transfers!
Make Payments, Transfers, Pay Taxes, Pay utility bills and create Automatic Periodic Orders directly from our network or through Internet Banking!
learn moreWide range of Services!
To easily manage your business daily activities use the Night Safe Box, the Salary Service, SWIFT Automatic Service & POS Terminals!
learn more