The state guarantees, you invest, enterprise doubles.
At a time when costs and the euro exchange rate are squeezing businesses, many enterprises operate on rented premises and have no property to pledge as collateral. This is where the state steps in: it guarantees up to 70% of the loan, from a total fund of about €250 million.
≈€250M
total guarantee fund
up to 70%
state guarantee (you cover 30%)
2–3%
interest rate ceiling
≈175M Lekë
maximum value / applicant
How it works
Three simple steps to benefit from the state guarantee
Identification
Check that you have your documentation ready: NIPT, tax clearance certificate and a business plan. The state offers a grant to pay experts who put your idea on paper.
Application
Submit your request to one of the participating commercial banks — almost all tier-two banks are part of the scheme.
Assessment
The bank assesses the risk, while the Guarantee Management Agency (AMGKP) confirms the state coverage of up to 70%.
* Free technical assistance: the state grant-funds experts to help with the business plan and the application documentation.
Priority Sectors
All sectors qualify — these are the priority ones
A01–A03
Agriculture & Agro-processing
Reserved quotaC13–C16, C24–C25
Manufacturing (Textiles, Apparel, Footwear, Wood, Metal)
PriorityJ58–J63
ICT & Software
PriorityI55–I56, N79
Tourism & Accommodation
PriorityG46–G47, H49–H52
Trade & Logistics
PriorityQ86–Q88
Private Healthcare
PriorityCredit Products
What the loan can be used for — investments that drive measurable growth
Machinery & Production Modernization
Sectors
Agriculture · Manufacturing · Agro-processing
Digitalization (ERP & Cybersecurity)
Sectors
All sectors, especially ICT, Trade, Tourism
Standards & Export Certifications (ISO, HACCP, CE)
Sectors
Agro-processing · Manufacturing · Healthcare
Energy Efficiency & Green
Sectors
All sectors
The loan cannot be used to refinance existing loans or for plain liquidity (e.g. raw-material purchases), except where the raw material is an integral part of a technology project.
Am I eligible?
2 quick questions to assess whether your business qualifies
Is your business registered as a legal entity in Albania?
Loan Calculator
Estimate your indicative monthly payment in Albanian lek, based on the programme's terms
⚠ This calculator provides indicative values for informational purposes only. Final terms are set by the partner bank.
Partner Banks
Tier-two banks licensed by the Bank of Albania participate in the programme
Frequently Asked Questions
Basic information about the programme
Success Stories
Albanian businesses that have benefited from the programme
Success stories will be added as businesses benefit from the programme. Contact info@dyfisho.ekonomia.gov.al to share your story.
Coming soonNa Kontaktoni
Ekipi i programit është i disponueshëm për çdo pyetje mbi eligjibilitetin, aplikimin dhe asistencën teknike.
Kanalet Zyrtare
Email zyrtar
info@dyfisho.ekonomia.gov.alOrari i punës
E Hënë – E Premte, 08:00 – 16:00
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