GROW Window
Guarantee Window 03

GROW Window

Enhanced credit guarantees for high-growth enterprises expanding their operations, headcount, and market reach across Kosovo.

Check Eligibility How It Works
Program Parameters

Key Characteristics

70%
Max Guarantee Coverage

KCGF covers up to 70% of the loan principal, enabling financial institutions to lend with confidence.

€1M
Maximum Loan Size

Individual guaranteed loans up to €1,000,000 to support meaningful business expansion.

Revolving
Guarantee Structure

Revolving guarantee facility — businesses can draw, repay, and redraw within the approved limit.

10yr
Maximum Tenor

Guarantees available for loan tenors up to 10 years, supporting long-term investment planning.

Who Can Apply

Eligibility Criteria

Criterion Requirement
Business Registration Registered legal entity in Kosovo (LLC, JSC, individual entrepreneur, cooperative)
Operating History Minimum 2 years of continuous business operations with verifiable financial records
Business Size Micro, Small, or Medium Enterprise (up to 249 employees); annual turnover ≤ €50M
Sector Eligibility All sectors except primary agriculture, gambling, weapons, and excluded activities
Growth Evidence Demonstrated growth trajectory — revenue growth ≥ 15% YoY or documented expansion plan
Loan Purpose Working capital, equipment, real estate, R&D, market expansion, hiring, or technology investment
Financial Soundness No active insolvency, bankruptcy, or unresolved overdue tax obligations
Financial Institution Application submitted through a KCGF partner financial institution
Why Choose GROW

Benefits

For Businesses
Access larger loan amounts
KCGF backing makes banks comfortable extending loans that exceed normal risk thresholds.
Reduced collateral requirements
The guarantee compensates for limited collateral, making lending approval more achievable.
Competitive interest rates
Risk reduction through the guarantee can result in lower interest rates from your partner bank.
For Financial Institutions
Shared credit risk
KCGF absorbs up to 70% of credit risk, allowing institutions to expand their SME loan book.
Streamlined guarantee process
Partner FIs have direct access to KCGF's guarantee management platform for rapid processing.
Portfolio diversification
Expand lending into high-growth segments without disproportionate balance sheet exposure.
How It Works

Application Process

01
Prepare Documentation

Gather your business financials (last 2 years), business plan or growth proposal, and proof of legal registration in Kosovo.

02
Contact a Partner Bank

Approach any KCGF partner financial institution and request a GROW Window-guaranteed loan. The FI submits the guarantee application on your behalf.

03
KCGF Assessment

KCGF reviews the application alongside the FI. Eligible businesses typically receive a decision within 10 working days.

04
Loan Disbursement

Upon guarantee approval, the partner FI disburses the loan. KCGF's guarantee is active from day one, protecting both business and bank throughout the loan tenor.

Where to Apply

Partner Financial Institutions

Banks Offering GROW Window
ProCredit Bank Kosovo Raiffeisen Bank Kosovo TEB Bank NLB Bank Kosovo Banka Ekonomike KFW Microfinance

Visit any KCGF partner branch and ask specifically for a GROW Window guarantee. Our partner banks have dedicated SME lending teams trained on KCGF products.

Development Partners
KfW Development Bank European Investment Fund USAID EBRD

The GROW Window is co-financed and supported by international development finance institutions committed to private sector development and MSME growth in Kosovo.

Ready to grow your business?

The GROW Window is designed for businesses like yours — ambitious, expanding, and ready for what's next.

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