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Women in Business Loans

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With a friend beside, you are a successful woman!
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Women in Business Loans

 

With a friend beside, you are a successful woman.

 

1.   Investment Loan


Characteristics:


Purpose of the loan:
A mid- term financing, granted to customers to cover their needs for investment projects, which could not be carried out with capital alone, and can be either to extend/ improve their business capacity or start another business project.

 

Main features:


Currency: LEK and EUR
Tenor:  up to 5 Years
Grace Period: Up to 24 months
Amount:  Max  200.000 Eur / Eqv in Lek
Payment mode: Fixed Monthly Installment
Financing: up to 80%
Collateral:  Up to 15.000 Eur no collateral is required. For Loans over this amount collateral as per standard investment loan is required.


 
Terms & Conditions:


Interest Rate:

  • Interest for amounts up to 15,000 Eur: LEK – 8%; EUR – 7.5%
  • Interest for amounts above 15,000 Eur: LEK – 6.5%; EUR – 5.5%

Administration fee:  0.5 % of the loan amount, min 100 Eur

Unused funds fees: 0.5% p.a
Penalty: IR + 10% p.a
Prepayment Fee: 1% of the prepaid amount
Commission on Collateral Change: ALL 10.000

 

Documents Required:

Same documentation required for standard Investment Loans

 

Customer’s Benefits


• We are currently the only bank in the market offering dedicated financing opportunities for women entrepreneurs
• We require no collateral for loans up to 15,000 EUR (or eqv);
• We offer attractive fixed pricing for all the duration of the loan
• We provide very smooth terms on lending with Time to Yes – Max 5 days
• We satisfy your non-financial needs through the support provided by EBRD
 - Përdorni Falas platformën inovative online “Business Lens” e krijuar për t’u dhënë grave sipërmarrëse një perspektivë të re mbi biznesin e tyre (http://www.ebrdwomeninbusiness.com)
 - Benefit from EBRD’s Advisory Services, providing expertise in: strategy, marketing, organization, operations, quality management, financial management, engineering efficiency and environmental solutions.
• Skip Installment Options in case of maternity: up to 6 months, during the loan tenor.
• Interest Reimbursement, 5% of interest payments up to max 500 Eur, offered as bonus and honoring regular loan repayment.

 

wib2

 

 

 

2.   Working Capital Loan

 

Characteristics:


Purpose of the loan:
A short term financing, granted to customers to cover their needs for operation expenses incurred on day-to-day business, aiming to support them to grow their businesses.

 

Main features:
Currency: LEK and EUR
Tenor:  up to max 36 months
Amount:  Max  50,000 Eur / eqv in lek
Payment mode: Fixed Monthly Installment
Financing: up to 100%
Collateral:  Up to 15.000 Eur no collateral is required. For Loans over this amount collateral as per standard working capital loan is required.
 
Terms & Conditions:

Interest Rate:

  • Interest for amounts up to 15,000 Eur: LEK – 7.5%; EUR – 7%
  • Interest for amounts above 15,000 Eur: LEK – 6%; EUR – 5%

Administration fee:  0.5 % of the loan amount, min 100 Eur
Unused funds fees: 0.5% p.a
Penalty: IR + 10% p.a
Prepayment Fee: 1% of the prepaid amount

 

Documents Required:

Same documentation required for standard Investment Loans

 

 

Customer’s Benefits


• We are currently the only bank in the market offering dedicated financing opportunities for women entrepreneurs
• We require no collateral for loans up to 15,000 EUR (or eqv);
• We offer attractive fixed pricing for all the duration of the loan
• We provide very smooth terms on lending with Time to Yes – Max 5 days
• We satisfy your non-financial needs through the support provided by EBRD
 - Përdorni Falas platformën inovative online “Business Lens” e krijuar për t’u dhënë grave sipërmarrëse një perspektivë të re mbi biznesin e tyre (http://www.ebrdwomeninbusiness.com)
 - Benefit from EBRD’s Advisory Services, providing expertise in: strategy, marketing, organization, operations, quality management, financial management, engineering efficiency and environmental solutions.
• Skip Installment Options in case of maternity: up to 6 months, during the loan tenor.
• Interest Reimbursement, 5% of interest payments up to max 500 Eur, offered as bonus and honoring regular loan repayment.

 

wib1

 

 

 

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