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Release Your Potential: Financing Products

The financing of Micro Businesses is one of Raiffeisen Bank's priorities in Albania. The advantages we offer are competitive rates and conditions, speed, and ease in loan processing. Raiffeisen Bank provides the following credit products that meet the ever-growing needs of businesses.

Financing Products

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 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 the 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 the bank and should have done transactions through the bank.

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 – 16,000,000 LEK

Collateral:

  • 300,000 – 4,000,000 LEK no Collateral
  • 4,000,001 – 16,000,000 LEK secured with Real Estate

 

Micro Working Capital is a short term loan that can be used per business needs like buying working capital etc. The repayment of Working Capital is done through the Business profit. 

Advantages

  • Favorable Interest RatesNorma interesi të favorshme
  • Quility in serving and fast process

 

Tenor12 - 60 months
CurrencyLEK and EUR
PaymentFixed  Installments
Amount
  • 300,000 – 4,000,000 LEK no Collateral
  • 4,000,001 – 16,000,000 LEK secured with Real Estate
CollateralReal Estate

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

Currency:

LEK and EUR

Payment

Fixed Monthly Installments

Amount:

1,000,001 – 16,000,000 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 – 16,000,000 LEK secured with Real Estate

 

Multipurpose Loan offers flexibility financing business needs without presenting any documentation for the purpose of the Loan.

Advantages

  • No need to present any document for the purpose of the Loan.
  • 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:

4,000,000 - 16,000,000 LEK

Collateral:

4,000,000 LEK secured with Real Estate

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

 

Tenor12 - 120 months
CurrencyLEK and EUR
PaymentFixed Monthly Installments
Amount1,000,001 – 16,000,000 LEK
CollateralReal Estate