Double your business
Dedicated financing to modernize your operations, increase capacity, invest in technology, efficiency and development.
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
Digitalization of processes
Certifications and international standards
Energy efficiency and green competitiveness
Logistics, warehousing and functional infrastructure
Investment in land
Give your business more opportunities
With “Double Your Business”, Credins bank supports you with financing for investments that help your business increase production capacity, quality and operational efficiency. The financing is supported by the state loan guarantee scheme.
Financing for growth
Financing up to ALL 200 million, created to support your business investments and development plans.
Who can apply?
Micro, small and medium-sized enterprises, according to the criteria defined in Law no. 43/2022, regardless of their sector of activity, as well as registered farmers equipped with a Farmer NIPT in the agricultural sector.
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.
How to apply?
Apply in three simple steps and our experts will guide you through the process.
1. Complete the online form
Fill in your details, basic information about your business and the investment you are planning.
2. Submit the request and documentation
Our experts will guide you regarding the necessary documentation and the conditions of the program.
3. Review and disbursement
After the request has been analyzed and approved by the bank, the documentation proceeds for confirmation according to the guarantee scheme. Following confirmation, the signing of the contracts and the disbursement of the loan proceed.
Frequently asked questions
Everything you need to know about this product
You can receive financing of up to ALL 200,000,000 per client/borrower.
The effective interest rate is 2%.
The loan term is up to 10 years.
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.
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.
The financing is offered in Lek.
The application deadline is 20 November 2027.
The state guarantee covers 70% of the loan principal. For the uncovered 30%, Credins bank procedures for collateral coverage apply.
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.
Apply for a Credins product
Fill out the form below and a Credins representative will contact you to complete your application.
