Under the scheme, published in the Official Gazette following approval by the State Aid Commission, the government will guarantee up to 70% of the principal on loans issued by participating banks.

The programme aims to support investment in production capacity, technology, digitalisation and productivity, while improving access to finance for eligible businesses and farmers.

Borrowers will be able to obtain guaranteed loans of up to 200 million lekë, with a maximum repayment period of 10 years. Interest rates will be capped at 2%, while fees charged to borrowers will be limited to 0.5% of the loan value.

The scheme is open to micro, small and medium-sized enterprises across all economic sectors, as well as registered farmers. Applicants must meet banks’ lending criteria and have no outstanding obligations to the state.

The scheme will remain in force until Dec. 20, 2027. Applications can be submitted until Nov. 20, 2027, while disbursement of guaranteed loans must be completed by Dec. 20, 2027.

The State Aid Commission said the measure met the conditions for implementation and included mechanisms to monitor, report and control the use of the state guarantee.

/e.xh/ /a.g/u.sh/