
“We Support Your Business” Loan is a loan product in view of the loan agreement between Fondi Besa sh.a and European Investment Fund (EIF).
Who can apply?
Entrepreneurs, who own and aim to expand their existing micro-enterprises or those who aim to establish a new business (small enterprise), in urban and rural areas in Albania.
Loan Purpose
This loan aims to enhance access to financing for micro and small entrepreneurs who operate in rural and urban areas in Albania.
Eligibility Criteria
(a) Company, entrepreneurship, business, single owner or other legal entity in compliance with Albanian legislation or an individual registered as entrepreneur in compliance with Albanian legislation.
(b) The Borrower, to the best of his knowledge, must not be in an exceptional situation.
(c) The Borrower must not be subject of any procedure for lack of liquidity, bankruptcy or in similar positions due to the requests of his creditors.
(d) The Borrower must not be a sanctioned person and not in violation of restrictive measures.
(e) The Borrower must not include in his business activity any illegal activity according to the legislation in force in Albania.
(f) The Borrower must not be engaged in any illegal activity.
LOAN CHARACTERISTICS:
DOCUMENTATION
• Registration Certificate of Taxable Person (NUIS/NIPT)/ registration in Local or Central Tax Office (mandatory)
• Identity card/passport of the endorser/guarantors
• Family certificate for borrower and guarantors
• Ownership and business documents
• Business financial documents
• Tax liability certificate
• Other, depending on the case.
* In all cases, business will the borrower while endorser will be its legal representative/administrator.
** The business/ its legal representative/administrator can be the guarantor only in a single loan of Fondi Besa sha.
*** Necessary documents can be added for decision making, if deemed reasonable by the Branch.
What cannot be financed?
The following sectors do not benefit from this loan:
1. Illegal economic activities
2. Tobacco and distilled alcoholic beverages
3. Production and trade of arms and ammunition
4. Casinos
5. Fossil-fuel based energy production and related activities
6. Energy intensive and/or CO2-emitting industries and sectors

Fondi BESA offers you care for your needs! – the “BESA TOURISM” Agricultural Loan.
BESA TOURISM LOAN targets businesses that operate in the tourism sector or individuals that want to start up a business in this sector.
With the “Besa Tourism” loan, you can decide yourself how much the monthly installment will be.
The application procedures are very simple and transparent!
Visit us at one of the nearest BESA Fund branches, and our staff will welcome you.
LOAN CHARACTERISTICS:
EXAMPLE:
Loan value | Monthly installment | Maturity (months) | Guarantee |
500,000 | 14,950 | 48 | LIEN |
800,000 | 23,500 | 48 | Mortgage |
1,500,000 | 37,280 | 60 | Mortgage |
*The rates are orientating.
** For accurate figures you must obtain accurate information in the nearest office of Fondi BESA in your city.

• Do you want to expand your business?
• Are you thinking of buying new equipment or machineries?
• Do you have ideas and initiatives to start a new business?
You can achieve these through our product ”Business Loan”
Fondi BESA supports you to finance any income generating activity, to finalize your projects, to improve technology, purchase equipment and machineries, increase inventory, etc.
With the Business Loan, you will not face any interest rate change over the entire duration of the loan. That is, in order for you to be able to plan at the time of receiving the loan what the amount of the loan installment you will pay each month.
Criteria to Benefit the Loan:
• Customers who apply must have the necessary knowledge and experience of the activity they are applying for financing.
• Customers must own 30% of the funds needed for funding and Fondi BESA offers up to 70% of the investment value.
LOAN CHARACTERISTICS:
AMOUNT |
The maximum loan amount is 15,000,000 ALL |
CURRENCY |
ALL |
DURATION |
Up to 10 years (120 months) |
FEE |
1.5-5% according to the loan term |
COLATERAL |
Mortgage, Lien, Pledge, Endorsement depending on the loan amount. |
REPAYMENT |
Depending on client preference:
• Flat – equal installments for the whole repayment period.
• Declining – Interest is calculated on the remaining amount of principal. |
INTEREST |
17% to 26%
Interest rate is consistent with:
• Loan amount and terms
• Collateral to be used as a guarantee for the loan
• Number of loans the client has benefitted |
NEI |
18.66% to 25.51% |
Example :
Loan Amount | Monthly Installment | Maturity (months) | Guarantee |
500,000 | 16,300 | 48 | LIEN |
1,000,000 | 28,768 | 60 | LIEN |
1,500,000 | 37,690 | 72 | Mortgage |
• Figures are approximate. For accurate figures, you need to get the right information at your nearest office of Fondi BESA in your city.
• Please download the Standardized Pre-contractual Information Leaflet
NOTE:
The following types of business do not benefit this loan:
• clubs / casinos,
• gambling machines / slot machines,
• agencies/insurance services,
• political parties,
• pornographic or similar activities,
• trade and production of weapons,
• as well as any kind of activity that harms the environment

• Do you want to make an investment in EURO?
• Do you have your income in EURO?
• Does your business conduct transactions with international companies?
Fondi BESA offers you loans in EURO currency!
This is to facilitate the investment and loan repayment process by reducing the exchange rate risk the client mightface.
The client will have no change in the loan installment even if there is fluctuations in the foreign exchange rate. Customers must own 30% of the funds needed for funding and Fondi BESA offers up to 70% of the investment value.
LOAN CHARACTERISTICS:
AMOUNT |
Up to 150,000 Euro |
CURRENCY |
Euro |
TERM |
Up to 8 years (96 months) for amounts up to 60,000 Euro
Up to 10 years (120 months) for amounts over 60,000 Euro |
FEE |
1.5-5% according to loan terms |
COLLATERAL |
Mortgage, Lien, Pledge, Endorsement depending on the loan amount. |
REPAYMENT |
Depending on client preference:
• Flat – equal installments for the whole repayment period.
• Declining – Interest is calculated on the remaining amount of principal. |
INTEREST |
16% – 25%
Interest rate is consistent with:
• Loan amount and terms
• Collateral to be used as a guarantee for the loan
• Number of loans the client has benefitted |
NEI |
14.47% up to 24.29% |
Example :
Amount of Loan | Monthly installment | Maturity (months) | Guarantee |
5,000 | 141 | 60 | LIEN |
10,000 | 276 | 60 | Mortgage |
25,000 | 613 | 72 | Mortgage |
65,000 | 1,171 | 120 | Mortgage |
• Figures are approximate. For accurate figures, you need to get the right information at your nearest office of Fondi BESA in your city.
• Please download the Standardized Pre-contractual Information Leaflet

Is your business under the licencing proces and you need financing? Fondi BESA supports you financially to continue your activity!
Interest rate remains unchanged throughout the loan duration!
Advance payment option without any commission or fine surcharge!
LOAN CHARACTERISTICS:
AMOUNT |
The maximum loan amount is 2,000,000 ALL |
CURRENCY |
ALL |
TERM |
Up to 7 years (84 months) |
FEE |
1.5-5% according to the loan term |
COLLATERAL |
Amounts up to 600,000 ALL: Without collateral (Pledge/Endorsement)
Amounts over 600,000 ALL: Mortgage/Lien |
REPAYMENT |
Depending on client preference:
• Flat – equal installments for the whole repayment period.
• Declining – Interest is calculated on the remaining amount of principal |
INTEREST |
22% to 33%
Interest rate is consistent with:
• Loan amount and terms
• Collateral to be used as a guarantee for the loan
• Number of loans the client has benefitted |
NEI |
27.22% to 38.38% |
EXAMPLE:
Loan value | Monthly installment | Maturity (months) | Guarantee |
400,000 | 13,940 | 48 | PLEDGE/ENDORSER |
7,000,000 | 20,958 | 60 | LIEN |
1,500,000 | 39,490 | 72 | MORTGAGE |
*The figures are orientating.
** For accurate figures you must obtain accurate information in the nearest office of Fondi BESA in your city.