Release Your Potential

Micro Businesses are those businesses that have an annual turnover up to 125,000,000 LEK and a total loan’s amount in Raiffeisen Bank up to 12,500,000 LEK. Clients that have higher annual turnover and total loan’s amount are classified as SE and Corporate Businesses.

Raiffeisen Bank offers to clients five loan products and three service packages that satisfy the needs of these businesses. Also, we offer to our clients an opportunity of being advised by our specialized staff choosing the right products for their business.

Financing

Financing small businesses is one of the priorities of Raiffeisen Bank in Albania. We offer a very large range of advantages, which are pricing, terms and conditions, flexibility, and fast processes. Our clients can profit by using one of our loan products which are designed to fulfill the needs of the business.

  • Overdraft
  • Investment Loan
  • Multipurpose Loan
  • Micro Commercial Mortgage
  • Working Capital

1. OVERDRAFT


Overdraft is a credit limit which gives the possibility to withdraw up to the approved limit the amount from the current account at any moment. This limit is offered to customers who route with our Bank or other Banks for at least one year In order to obtain an overdraft, the customer should have a 12 months relationship with a bank with the conditions: Crediting in the last 7 months during 12 months period when crediting in the last 3 months is a most.

Advantages

  • Helps the companies to cover business needs for different payments, inventory purchasing or unpredicted liquidation.
  • Provide solution for short - term business needs.
  • Competitive prices, terms and conditions which help increasing the business.

Tenor:

12 months

Currency:

LEK and EUR

Payment:

Interest paid only on the amount and period of use

Amount:

300,000 – 12,500,000 LEK

Collateral:

  • 300,000 – 3,500,000 LEK secured with pledges evaluated from the Bank and / or guarantor
  • 3,500,001 – 12,500,000 LEK secured with Real Estate

2. INVESTMENT LOAN


Investment Loan provides financial support for the renewal of the business technology, enabling the purchase of new or used equipment / machinery.

Advantages

  • Prices and competitive terms and conditions which help business needs

Tenor:

  • 12 – 48 months for used equipment / machinery
  • 12 – 72 months for new equipment / machinery

Currency:

LEK and EUR

Payment:

Fixed Monthly Installments

Amount:

1,000,001 – 12,500,000 LEK

Financing:

70% of the Investment Plan

Collateral:

  • 1,000,001 – 5,100,000 LEK secured with pledge on the Investment Plan evaluated from the Appraisal Studio
  • 5,100,001 – 12,500,000 LEK secured with Real Estate

3. MULTIPURPOSE LOAN


Multipurpose Loan offers flexibility financing business needs without presenting any documentation for the Investment Plan.

Advantages

  • No need to present any document for the Investment Plan
  • Competitive prices, terms and conditions which help increasing the business.

Tenor:

12 - 72 months

Currency:

LEK and EUR only if the income of the company and Investment Planare in foreign currency

Payment:

Fixed Monthly Installments

Amount:

300,000 – 12,500,000 LEK

Collateral:

  • 300,000 – 1,000,000 LEK secured with pledges evaluated from the Bank and / or a guarantor
  • 1,000,001 – 12,500,000 LEK secured with Real Estate

4. MICRO COMMERCIAL MORTGAGE


Micro Commercial Mortgage loan helps micro businesses to buy, construct or reconstruct the commercial premises where they can develop their business.

Benefits

  • Up to 70% is financed by the bank
  • Favorable Interest Rates
  • Procedure is easy, simple and flexible

 

Tenor: 12 - 84 months

Currency: LEK and EUR

Payment: Fixed Monthly Installments

Amount: 1,000,001 – 12,500,000 LEK

Collateral: Real Estate

5. Working Capital Loan


Produkti Kapital Qarkullues eshte nje kredi afatshkurter qe mund te perdoret per te financuar bizneset dhe korporatat si psh blerjet, likuiditet te biznesit etj. Shlyerja e financimit të kapitalit punues bëhet nga fitimet e shitjeve të kompanisë.  

Avantazhet

Norma interesi të favorshme

Shërbim cilësor dhe procesim të shpejtë

 

Tenor 12 - 36 months
Currency LEK & EUR
Payments Fixed Installments
Amount
  • 300,000 – 2,400,000 LEK secured with pledges evaluated from the Bank and / or a guarantor
  • 2,400,001 – 12,500,000 LEK secured with Real Estate
Collateral Real Estate

6. EIF YOUTH Program


Youth Employment Program up to the age of 30!

The products that will be offered are all Micro Credit Products

The validity of the tenor for this program is 02 July 2020 - 02 July 2022

The currency offered is LEKE / EURO

The loan term is 84 months

The program classification criteria for each Micro company that is interested in applying to the EIF YOUTH program are:

• Has employees / Employs at least 1 employee up to 30 years for a minimum time of 2 years (indefinite employment contract according to Albanian legislation is a valid contract)

• Within 12 months prior to the disbursement of the EIF Youth loan, has provided professional or internship training lasting at least 3 months for at least 1 individual aged 15-30 years

• Formally recognized as a participant in a national employment program for young people up to 30 years old.

Benefits for customers

  • 80% less collateral coverage than in the case of a standard loan for all types of collateral
  • 0.4% lower interest than the Standard Norms applied according to the products in force