Are there any hidden costs?

The main conditions are published: fixed interest 2%, administration commission 0.5%, prepayment commission 0% for the Financing Program of Micro, Small and Medium Enterprises and Farmers under the Sovereign Agro Guarantee.

Can I use the loan for working capital?

No, the only type of loan that qualifies is investment loans.

How quickly is the decision made?

The duration depends on the completeness of the documentation and the complexity of the project. After complete submission, our team conducts the assessment.

Agrobusiness working capital | Intesa Sanpaolo Bank Albania

Benefits

Investments

Investment-solutions

Favorable conditions

Loans with favorable terms and fixed interest

Simple application process

State guarantee for the agro sector up to 70% of the principal

New financing opportunities for your business

Whether you are a small or medium-sized business operating in the AGRO sector or a NIPT registered farmer, the right financing can make the difference between plans and results. Intesa Sanpaolo Bank Albania in cooperation with the Ministry of Finance offers dedicated credit lines with facilitated conditions, state support.

Financing products

State Guarantee - Loans to Micro, Small and Medium Enterprises (MSMEs) operating in the AGRO sector and registered farmers.

The standard solution for investments.

Key Benefits:

- Target group: Micro, Small and Medium Enterprises (MSMEs) operating in the agriculture sector, as well as farmers who are registered and provided with the farmer's NIPT certificate.
- Loan Duration: 3-5 years
- Maximum amount for MSME (NIPT/NUIS) ALL 25,000,000
- IR = 2%
- Administration fee: 0.5%
- Currency: LEK
- Financing Type: Installment Loans Only
- 0 % prepayment commission
- Purpose of the loan: Investments in fixed assets and technological platforms, which serve to increase their production capacity and/or operational efficiency
- Disbursement Deadline: 20.12.2025
- Closing date for Applications: 20.11.2025
- The guarantee covers up to 70% of the loan principal amount

Usage: fixed asset investments/technology

Examples of use:

Investments in agrotourism and rural tourism.
Construction, reconstruction, expansion and modernization of agricultural/livestock buildings including equipment
Construction and/or reconstruction of greenhouses including installations/technologies
Production infrastructure, aiming to increase farm areas in the production and processing of fruits and vegetables, vineyards, etc., as well as farms in the dairy and meat sector

Who can apply?

Micro, Small and Medium Enterprises (MSMEs) registered in Albania operating in the AGRO sector.
Farmers and agribusinesses with active NIPT.
Entities planning investments in fixed assets, technologies, production infrastructures.

Necessary documentation

Extract of the NBC/NIPT and identification document of the legal representative. For farmers, a registration certificate (NIPT) and a certificate for the type of activity are required
Bank account statement for the last 12 months
Financial statements and/or pro-forma investment invoices
Investment Plan and Sources of Financing
Additional product-specific documents

Note: The bank may require additional documentation depending on the case and risk assessment.

Soft loan for the AGRO sector