STANDARD WINDOW

GUARANTEE FOR ALL!

The Standard window is a inclusive window,  in addition to comprehensiveness, means that this window serves all permitted activities. Standard window guarantees the largest loan amount and it’s dedicated to long-term investments as well as to higher amounts, providing  guarantee of up to 50%.

INTERMEDIARIES   

Registered Financial Institutions of KCGF are such as:

  • Banka Ekonomike Sh.A.
  • Banka Kombëtare Tregtare 
  • Banka per Biznes Sh.A. 
  • NLB Banka Sh.A. 
  • PriBank
  • ProCredit Bank Kosovo J.S.C. 
  • Raiffeisen Bank Kosovo J.S.C. 
  • TEB  Sh.A. 
  • Raiffeisen Leasing Kosovo

WHICH BUSINESSES QUALIFY? 

MSMEs that qualify for guarantee financing include, but are not limited to the following:

  • Privately owned MSMEs, without any Government ownership during the loan coverage period from the guarantee.
  • MSMEs that have business registration at ARBK.
  • MSMEs with less than 250 employees.

WHICH LOANS CAN BENEFIT FROM THE STANDARD WINDOW?

Qualified Loans fulfilling the following criteria will be eligible for Standard Window benefits:

  • The maximum loan amount is EUR 3, 000,000. 
  • The maximum credit exposure is EUR 7,000,000.
  • The maximum amount of the guarantee is EUR 500,000.
  • The maximum repayment period of the guaranteed loan is up to 120 months.
  • The purpose of the loan can be for long-term investments as well as for working capital.

 WHAT ARE THE GUARANTEE FEATURES?

  •  Guarantees will be provided for the amount up to 50% of the loan principal but not more than EUR 500,000.
  • The maximum loss cap will be 100%
  • Type of guarantee: Revolving.

WHAT ARE THE BENEFITS OF THE GUARANTEE? 

For MSME’s

  • Increased access to finance.
  • Favorable conditions for exporting businesses.
  • Potentially preferable interest rates.
  • Collateral reduction.
  • Faster processing time for loan applications.
  • Business Sustainability.

For Registered Financial Institutions of FKGK

  • Continuation of the guarantee scheme by a new capital from Government of Republic of Kosovo.
  • Credit risk reduction.
  • Capital relief.
  • Loss coverage.
  • Increased maximum guarantee amount.
  • Better conditions for businesses in export.
  • Increase of credit portfolio.
  • Increase incomes from other products.

WHAT IS THE APPLICATION AND DECISION MAKING PROCESS?  

  • The potential borrower (MSME) does not apply for a guarantee but applies for a loan at one of the Registered Financial Institutions (see  Intermediary item).
  • The  Registered Financial Institution after performing the usual credit analysis by applying the approval standards and if the company meets the KCGF criteria then the relevant RFI itself will place the loan under the KCGF credit guarantee.