SE Business: Investment Financing

Small Enterprises that have annual turnover up to 500,000,000 LEK and total loan’s amount in Raiffeisen bank up to 130,000,000 LEK are classified as SE 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.

1. Overdraft
2. Working capital loan
3. Investment Loan
4. Construction / commercial mortage loan

Overdraft financing is credit facility allowing the drawing of funds from the current account up to the limit approved.The extra cash in hand covering operating expenses or accommodate seasonal fluctuations to provides a smooths cash flow covering short term debts and realization of current assets.The funds drawing use and repayment done directly in the current account making the repaid amount possible to be reused during the entire validity of the facility makes Overdraft a very flexible financing tool.

Quick and easy to arrange

Flexibility in tenor - from one to up to 12 months

Can be allocated in several currencies (ALL / EURO / USD)

Renewable financing

Interest is paid only on amount used – calculated on a daily basis

Financing up to EUR 1 Mio (equivalent in other currencies)

Working capital financing is a short term loan used for financing the customer’s current business activities. Working capital financing provides the possibility to up to finance 36 months business operational needs (i.e purchase of stocks /inventory, repayment of suppliers or other payments) without significantly affecting the company's liquidity. The repayment schedule adheres to the business cycle being adjused on fixed monthly or quarterly repayments coherent with company estimated cash flow.

Key Features

Quick and easy to arrange
Can be allocated in several currencies (ALL / EURO / USD)
Financing up to EUR 1 Mio (equivalent in other currencies)

Tenor	12 - 36 months
Currency	LEK and EUR
Payment	Fixed Installments
Amount	300,000 – 4,000,000 LEK no Collateral 4,000,001 – 12,500,000 LEK secured with Real Estate
Collateral	Real Estate

Investment loan provides the necessary financing to support the business development and/or expansion through investment in long term fixed assets such as acquisition of goods and / or real estate, buildings, vehicles, equipment etc. or consolidating financing standing through refinancing other long term investments and / or debts.

Key Features

The repayment tenor up to 84months (including a grace period if applicable) provides the necessary cushion and adjustment to the internal cash flow for better management of liquidity.
Can be allocated in several currencies (ALL / EURO / USD)
Financing up to EUR 1 Mio (equivalent in other currencies)
Financing up to 80% of the investment value

The Construction / Commercial mortgage loan is a long term financing with purpose to purchase / construct / reconstruct commercial premises.