Agricultural loans for all farmers and residents of rural and semi-rural areas who develop income-generating activities both in the field of agriculture and non-agricultural activities, which in their nature are related to the processing of agricultural products.

Eligibility Criteria

(a) It is a company, enterprise, firm, business, sole proprietor, or other legal entity formed under the laws of the Republic of Albania or an individual registered as an entrepreneur in accordance with the laws of the Republic Albania.

(b)  It is engaged in one of the following economic activities:

(i) Primary Agriculture: including (1) livestock farming, (2) crop farming, (3) growing seeds or herbs, (4) growing vegetables or fruit, and (5) the manufacture or production of fertilizers or edible oil;

(ii) Agri Equipment, Logistic and Service Providers: including (1) farming machinery and equipment suppliers, and (2) silos and refrigerated storage;

(iii) Agri Processing: including (1) bakeries and patisseries, (2) meat slaughtering and processing, (3) egg and dairy producers, (4) edible oil producers, (5) packaged food producers, and (6) water, non-alcoholic beverages, beer and wine producers; or

(iv) Agri Wholesale and Retail: including (1) agri-commodity and food wholesalers, and (2) food retailers.

(c) It is operating primarily in the Republic of Albania.

(d) The activity is registered and operate in compliance with the Albanian legislation   



  AMOUNT   50,000 – 3,500,000 ALL
  TERM   •working capital: max 36 months;
•investments: max 48 months
  FEE   1-4% depending on loan term
  COLLATERAL   Mortgage, Pledge, Endorsement, Cash collateral depending on loan term.
  REPAYMENT Depending on client preference:
Flat – equal installments for the whole repayment period.
Declining – Interest is calculated on the remaining amount of principal.
Irregular: Based in the production cycle, this loan might be repaid in irregular monthly
installments, flexible, seasonal. The monthly repayment amount will be calculated based
on the client monthly income.
  INTEREST   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
  GRACE PERIOD   In accordance with the type of activity the client can apply for grace period 1 – 6 month,
in accordance with the income generation cycle in agriculture.
  CLIENT CONTRIBUTION :  Not less than 30 % of the total investment/Project value


For further information and loan examples with the nominal and effective interest please download the Leaflet.

This loan is delivered under “BERZH AASF” Project, cofinancing of Fondi BESA and ERBD and Albanian Government




Fondi Besa njofton të gjithë klientët e tij se gjatë vitit 2019 kanë skaduar kartat e identitetit apo Pasaportat, të cilat janë lëshuar gjatë vitit 2009. Të gjithë klientët e Fondit Besa që janë pajisur me Karta Identiteti apo Pasaporta të reja janë të lutur të paraqiten pranë zyrave të Fondit Besa për të bërë ndryshimet përkatëse ne dokumentacion.


Rinovimi në kohë i Kartës së Identitetit apo Pasaportës bën të mundur të shmangen vështirësitë në identifikimin tuaj për të kryer veprimet e nevojshme pranë Fondit Besa.