intesa_logo
informohu_en
 
 

 

spacer
  • ebanking
  • Branches
  • Call
  • ATM
Internet Banking
Login
Intesa Mobile
More
CALL CENTER
08006000 (Free from Albtelecom & Eagle)
+355 4 22 76 000/ 222 / 223
+ 355 (0) 692080903
loading services

SME Financing

spacer
SME loans are offered to small and medium enterprises, and can be used to finance working capital needs, and investments. These loans are offered in Lek, USD, and Euro. Intesa Sanpaolo Bank Albania will approve your SME loan up to a maximum amount, which is calculated at about 20% of sales.
back
blank_grey
blank_grey
blank_grey
back_products_grey
SME loans are offered to small and medium enterprises, and can be used to finance working capital needs, and investments. These loans are offered in Lek, USD, and Euro.
 
Intesa Sanpaolo Bank Albania will approve your SME loan up to a maximum amount, which is calculated at about 20% of sales.
 
To finance your operations, you may choose from the following forms of the loan:

  • Overdraft Loan – an authorized overdraft on your business current account. You cover your expenses from your current account and if your own funds are insufficient, the overdraft facility is automatically drawn. The maximum overdraft amount is Euro 300,000, and maturity of 12 months. 
  • Term Loan - which can be either withdrawn in a single amount or gradually. In case of gradual withdrawals you determine a schedule up to an agreed amount and a repayment schedule. Using this facility, you can easily project cash flows in your company. The maximum term loan amount is Euro 400,000, and maturity of 5 years for machinery financing, and 10 yeas for investments.

You will not be financed more than Euro 500,000 though for combined credit facilities.
 
Terms and conditions

  • The Borrower can be a legal entity or an individual conducting business activities for at least 6 months, with turnover starting from Euro 500,000 up to Euro 2,000,000 per annum.
  • The Borrower must meet Intesa Sanpaolo Bank Albania´s requirements regarding creditworthiness.
  • The Borrower must prove the source of repayment – evidence of capacity to meet obligations arising from the loan, repay the loan including interests and fees within requested maturity and under the terms and conditions agreed in advance.

Security
The collateral will have to be liquid, cash collateral and real estate, valued 140% of the loan amount. No equipment or machineries are accepted as collateral.
 
Required Information from eligible companies:

  1. Customer Pre-assessment form filled and signed; 
  2. 3 last balance sheets signed by administrators; 
  3. Description of the real estate to be mortgaged in favor of the Bank and estimated value; 
  4. List of principal customers; 
  5. List of principal suppliers; 
  6. Description of the activity, cycle of the business.

 

spacer

 

 

 

ispa_locator
 
 
spacer
Latest News
Exchange Rates
Interest Rates
© INTESA SANPAOLO BANK ALBANIA DIA Privacy Policy Terms of Usage Patriot Act Wolfsberg Group Questionnaire AML