Investment in Securities

With Credins Bank, you can invest in a wide range of domestic and international securities, choosing the alternative that best suits your plans, investment horizon, and investment profile.

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Invest where your business needs it most

The financing can be used for the purchase, construction, expansion, reconstruction and modernization of physical and technological assets, as well as for investments that increase the capacity, efficiency and competitiveness of the business.

Production machinery and equipment

Invest in production lines, CNC machinery, packaging equipment, refrigeration and cold chain equipment, as well as quality control equipment.

Digitalization of processes

Modernize your business with ERP, production and warehouse software, CRM, tracking systems, e-commerce, cloud solutions and cybersecurity.

Certifications and international standards

Invest in HACCP, ISO, GlobalG.A.P., CE Marking, laboratory and testing equipment or quality management systems.

Energy efficiency and green competitiveness

Improve efficiency and reduce consumption through solar panels for self-consumption, efficient motors, heating and cooling systems. With high efficiency, energy recovery and reduced-consumption equipment.

Logistics, warehousing and functional infrastructure

Finance warehouses, cold rooms, distribution systems, commercial vehicles, logistics platforms, lifting equipment and warehouse automation.

Investment in land

For the agricultural and agro-processing sector, investment in land may also be financed when it is an integral part of the investment project.
Choose the card that fits your lifestyle

Choose the Investment That Best Suits Your Objectives

Explore a range of domestic and international securities designed to match different investment horizons, currencies, and financial objectives.

Treasury Bills

A secure alternative for short-term investments in LEK, with maturities of 3 months, 6 months, and 12 months.

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Albanian Government Bonds

Invest in medium- and long-term securities with maturities ranging from 2 to 20 years and benefit from periodic income through coupon payments made every 6 months.

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Reference Bonds

Credins Bank provides access to Reference Bonds issued by the Albanian Government. Credins Bank is one of the Market Makers for Reference Bonds.

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Investment Services

Brokerage and Custody Services

Benefit from comprehensive support for managing your securities, executing transactions, and monitoring your investments with Credins Bank.

Comprehensive Services

Credins Bank offers a comprehensive brokerage and custody service for securities.

Portfolio Management

Management of your portfolio and execution of purchase and sale transactions.

Continuous Reporting

Continuous reporting on your investments.

Transaction Support

Assistance with every transaction, ensuring the best execution of your orders in accordance with applicable legislation, Law No. 62/2020 “On Capital Markets.”

Terms

Main financing terms

Explore the main financing terms, from the amount and interest rate to the loan term, guarantee and costs.

Financing amount

Up to ALL 200,000,000 per client/borrower.

Interest rate

Effective interest rate: 2%.

Currency

Lek.

Loan term

Up to 10 years.

Grace period

Up to 12 months, upon the client’s request.

State guarantee

The state guarantee covers 70% of the loan principal. For the uncovered portion, Credins bank procedures for collateral coverage apply.

Other costs

Other costs related to the effective rate: No more than 0.5% of the loan value.

Early repayment

No commission or penalty applies for early repayment.

Application and disbursement deadlines

Application deadline: Until 20.11.2027. Maximum disbursement deadline: Until 20.12.2027.

Why Credins Bank

Why Invest with Credins Bank?

Access local and international investment opportunities with professional expertise, dedicated support, and solutions tailored to your investment objectives.

Professional Expertise

Benefit from professional expertise and dedicated service.

Market Access

Access domestic and international securities markets.

Competitive Pricing

Benefit from competitive prices for buying and selling securities.

Investment Flexibility

Invest at any time, according to prevailing market conditions.

Portfolio Diversification

Build a diversified investment portfolio aligned with your objectives and investment profile.

ALSE Trading

Access trading opportunities on the Albanian Securities Exchange (ALSE).

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Frequently asked questions

Everything you need to know about this product

What is the maximum financing amount?

You can receive financing of up to ALL 200,000,000 per client/borrower.

What is the interest rate?

The effective interest rate is 2%.

What is the maximum financing term?

The loan term is up to 10 years.

Who can apply?

Micro, small and medium-sized enterprises that meet the criteria of Law no. 43/2022, regardless of their sector of activity, as well as registered farmers equipped with a Farmer NIPT in the agricultural sector, can apply.

What can I use the financing for?

The financing can be used for: the purchase, construction, expansion, reconstruction and modernization of physical and technological assets; production machinery and equipment; digitalization; certifications and international standards; energy efficiency and renewable energy; logistics, warehousing and investment in land when it is an integral part of the investment project. Funds may not be used for illegal activities or the refinancing of other loans.

In what currency is the financing offered?

The financing is offered in Lek.

Until when can I apply?

The application deadline is 20 November 2027.

How much is covered by the state guarantee?

The state guarantee covers 70% of the loan principal. For the uncovered 30%, Credins bank procedures for collateral coverage apply.

What are the main eligibility criteria?

The applicant must meet the program criteria, including classification as a micro, small or medium-sized enterprise or as a farmer with a Farmer NIPT. At the time of application, the applicant must not have unpaid tax liabilities or non-performing loans according to the criteria of the scheme.

Ready to Get Started?

Apply for a Credins product

Fill out the form below and a Credins representative will contact you to complete your application.

Loan Amount
Agjencia Qender
ATM Dega Tirana 3
ATM Dega Tirana 4
Dega Ballsh
Dega Berat
Dega Burrel
Dega Corovode
Dega Durres 1 - Rruga Taulantia
Dega Durres 2 - Rruga Egnatia
Dega Durres 3 - Rruga Hysen Kërtusha
Dega Elbasan
Dega Emigres Tirane
Dega Fier 1 - Bulevardi Xoxe
Dega Fier 2 - Autogrill Krasniqi
Dega Fushe-Kruje
Dega Gjirokaster
Dega Kamez
Dega Kavajë
Dega Kombinat
Dega Korce
Dega Kukes
Dega Laprake
Dega Lezhe
Dega Lushnje
Dega Peshkopi
Dega Pogradec
Dega Porti Durres
Dega Qendrore Bllok
Dega Ring Center
Dega Sarande
Dega Shijak
Dega Shkoder
Dega Shkoder 2
Dega Shkozet
Dega Tirana 10 - Frigoriferi
Dega Tirana 11 - Stadiumi Dinamo
Dega Tirana 12 - Harry Fultz
Dega Tirana 13 - Myslym Shyri
Dega Tirana 14 - Don Bosko
Dega Tirana 15 - Ushtari i Panjohur
Dega Tirana 16 - Pranë Hotel Hilton
Dega Tirana 1 - Blloku
Dega Tirana 2
Dega Tirana 5 - Rruga e Elbasanit
Dega Tirana 6 - Brenda në QSUT
Dega Tirana 7 - Ali Demi
Dega Tirana 8 - Rruga Bardhyl
Dega Tirana 9 - Pranë Shkollës së Bashkuar
Dega Vau i Dejës
Dega Vlore 1 - Rruga Çamëria
Dega Vlore 2 - Lagjja Osmen Haxhiu
Dega Vore
“We guarantee that the data collected through this application will be processed in accordance with Law No. 124/2024 ‘On the Protection of Personal Data’, as amended, as well as the legal and sub-legal acts issued for its implementation. As a data subject, you enjoy all the rights provided by law. Credins Bank protects all data in secure premises and systems until the expiry of the period defined in Instruction No. 20 dated 03.08.2012 of the Commissioner for the Right to Information and Protection of Personal Data, ‘On the Processing of Data in the Banking Sector’, after which the data are destroyed.”
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info@bankacredins.com

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+355 46 700 777

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