Loans for Small Business| Intesa Sanpaolo Bank Albania

Facilities Renovation

Loans for investments for the organization of spaces for the purpose of providing tourism services.

Amount up to 15.000.000 LEK
Favorable Interest rates
Fixed Monthly Installments based on the product seasonality
Grace period up to 18 months, as per product cycle
Loan offered only in LEK

Investment Loan to Woman in Business

ESG Product

Are you a woman you own or run a business? Become part of the funding project for "Women in Business"

Skip Installment opportunity up to 6 months in case of maternity leave
Cover investment projects, property’s development, business extension
Improve technology or start another business project
The loan is offered in LEK and EUR

Soft Investment Loan

Invest in equipment, aiming to provide better quality products or increase the production of Agro Tourism activities.

Amount up to 5.000.000 LEK
Convenient tenor up to 7 years
Favorable Interest rates
Loan offered only in LEK
Grace period up to 18 months, based on seasonality

Short Term Loan to Woman in Business

Do you need a short term financing to cover your operational expenses?

Preferential prices compared to standard conditions
The loan is offered in LEK and EUR
Non-payment of the installment up to 6 months for maternity leave
One-price dedicated package for women in business
Fast approval process

Loan for Restaurant Reconstruction

Invest in business facilities & equipment for restaurant activities, in order to provide Agro-Tourism services!

Loan offered only in LEK
Flexible Repayment schedule
Favorable Interest rates
Tenor up to 5 years
Loan Amount up to 7.000.000 LEK
Grace period up to 6 months

Service package for Woman in Business

We want to become your favorite bank, by offering banking products, services and the financial support you need!

SWIFT service 6 EUR
Package 1 offers for only for 10 Euro monthly a bundle of services:
Free Incoming Payments in LEK within the same value date
Package 2 offers for only for 15 Euro monthly two more services:
SMS Notification & Mastercard Business Card
Current account, Online Banking & Automatic Bill Payments

Overdraft for Business

Benefit from the temporary usage of founds for working capital!

Interest paid only for the used sum during the specified period
Limit amount up to 2.000.000 LEK
Tenor 1 year
Loan offered only in LEK
No collateral required

Paradhënie Bankare për Kapital Qarkullues

ADGF Risk sharing

Intesa Sanpaolo Bank Albania in collaboration with ADGF provides support for business in the agro and tourism field.

Benefit from accessing financial resources easily
Expanding access to credit in cases of insufficient collateral
Apply and receive amounts up to 500.000 EUR

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Business-Auto Leasing

Make the right move for your business!

Lease payments are deductible expenses & VAT refunded
Thanks to the suppliers' independence, You get the best offers
No need for additional Collateral to apply for Business Auto Leasing
You only need to budget the Lease monthly payment
On the expiry of the lease term you become the owner of the asset

Agro Working Capital

Its a product designed to finance agribusiness needs.

Flexible repayment schedule, based on seasonality & product cycle
Flexible repayment schedule, based on seasonality & product cycle
Favorable interest rates

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Agro Investment

Created to finance agribusiness needs for investment & business expansion, or to improve technology.

Amount up to 50,000,000 LEK
Maturity up to 12 years
Grace period of the loan up to 24 months
Collateral Immovable Property or land
Pledges on machinery & equipment
Flexible repayment schedule, based on seasonality & product cycle
Transparent Offer in LEK & EUR

Youth in Business

ESG Product

Youth in business is based on an agreement with the EBRD, which aims to promote and support young entrepreneurs up to the age of 35.

An opportunity to start or further develop your business
Financing with favorable conditions
Financial and know-how support for youth up to 35 years old

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EBRD Agro-Investment Loan

ESG Product

Designed to finance the agribusiness needs expanding business activity!

No collateral required for loans up to 20.000 EUR
Loan Offered in LEK & EUR
Grace period Up to 12 months, as per project’s timeline
Favorable Interest rates
Maturity up to 8 years
Tailored products according to business particularities
Amount up to 2.000.000 EUR

Working Capital Loan under the EBRD

Cover your needs for businesses operational expenses!

No collateral required for loans up to 20.000 EUR
Loan Offered in LEK & EUR
Tenor up to 3 years
Favorable Interest rates
Grace period up to 12 months, as per project’s timeline
Amount up to 2.000.000 EUR

Agro-OD line under the EBRD Agreement

Use founds temporary for working capital!

No collateral required for loans up to 20.000 EUR
Tenor 1 year
Favorable Interest rates
Monedha e depozitës jepet në Lek
Amount up to 2.000.000 EUR

MEDTE Financing

Financing Projects, investments’ increase, machinery, equipment, technologies purchase of an Italian origin.

Financed amount from 15.000 EUR – 500.000 EUR
Favorable Interest rates
Tenor from 3-8 years
Loan Offered in LEK & EUR
Grace period up to 6-24 months based on business cycle

Overdraft Line

Do you need immediate funds to cover unforeseen expenses? Apply for Overdraft Line!

Offered in EUR / LEK / USD
Most Competitive Interest Rates in market
Kohëzgjatja zgjat Max 12 muaj
Ensures the payment of salaries for employees
Flexibility in its usage
Immediately Available
Interest is paid only for the used amount in time

Investment Loan

We support you covering the expenses for investment capital, machine purchase, construction & property development!

Simple usage & time saving
Disbursements adjusted to the dynamics of investment
Fund capital expenditure, acquisitions, property’s’ development
Funds are available to be used according client needs

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Short Term Loan

Financing for existing & inventory capital, raw materials, business expansion, machinery purchase or liquidity needs

Pay it with fix monthly installments
Tenor up to 4 Years
Loan Offered in LEK & EUR

Transport Leasing

Develop your business & increase your service capacity!

Lease payments are deductible expenses & VAT refunded
In order to increase the Investment Value & your Business
You only need to budget the Lease monthly payment
Thanks to the suppliers' independence, You get the best offers
Pay your installment using the income generated from lease asset

Letter of Credit & Bank Guarantee

We support your business!

Full financing: Import Letter of Credit & Financial Bank Guarantee
Finance & risk management
Cross-border trade transactions
Increase of the company reputation
Replacement for cash deposits or advance payments

Small Business Loans

Small Business Loans

Agro Business Loan

Agro Turism Products

General Financing

EBRD Loans

MEDTE Loans

Women in Business

Facilities Renovation

Investment Loan to Woman in Business

Soft Investment Loan

Short Term Loan to Woman in Business

Loan for Restaurant Reconstruction

Service package for Woman in Business

Overdraft for Business

ADGF Risk sharing

Business-Auto Leasing

Agro Working Capital

Agro Investment

Youth in Business

EBRD Agro-Investment Loan

Working Capital Loan under the EBRD

Agro-OD line under the EBRD Agreement

MEDTE Financing

Overdraft Line

Investment Loan

Short Term Loan

Transport Leasing

Letter of Credit & Bank Guarantee

Business Leasing

Other types of Products & Services!

Open Account & Deposit

Make Payments & Transfers!

Wide range of Services!

Terms & Conditions for Small Business