Guarantee Window
GROW
Window.
Enhanced credit guarantees for high-growth Kosovo enterprises expanding their operations, workforce, and market reach.
Guarantee Characteristics
What the GROW Window offers.
70%
Max Guarantee Coverage
€1M
Max Exposure Per Loan
Revolving
Guarantee Structure
10yr
Maximum Loan Tenor
Eligibility Criteria
Who can apply?
| Criterion | Requirement |
|---|---|
| Business Type | Registered MSME or mid-cap enterprise in Kosovo |
| Operational History | Minimum 2 years of active operations |
| Revenue Growth | Demonstrated revenue growth of ≥15% in prior fiscal year |
| Employees | Minimum 5 full-time employees at time of application |
| Investment Purpose | Capital investment, capacity expansion, or workforce scaling |
| Financial Statements | Audited or certified financial statements for 2 prior years |
| Tax Compliance | No outstanding tax liabilities (TAK certification required) |
| Sector Restriction | All sectors eligible except arms, gambling, and restricted industries |
For Businesses
Benefits for SMEs.
Access financing without full collateral
GROW's 70% coverage reduces the collateral burden, making growth loans accessible.
Lower effective interest rates
Risk-sharing with KCGF translates to more favourable terms from partner banks.
Revolving credit facility option
Flexible financing structure that grows with your business needs.
Faster loan processing
KCGF guarantee accelerates bank credit decisions for qualifying businesses.
10-year maximum tenor
Long-term financing available to match ambitious expansion timelines.
All economic sectors eligible
Manufacturing, services, tech, agriculture, export — GROW supports every industry.
For Financial Institutions
Benefits for banks.
70% risk absorption by KCGF
Significantly reduces default exposure, enabling lending to higher-growth borrowers.
Expand MSME lending portfolio
Reach a larger customer segment with reduced risk exposure.
Simple claim process
Streamlined guarantee claim procedures with defined SLA timelines.
How It Works
Application Process.
1
Apply at Partner Bank
Approach any KCGF partner financial institution and request a GROW Window guarantee for your loan application.
2
Bank Assessment
Your partner bank reviews your application against GROW Window eligibility criteria and assesses business viability.
3
KCGF Guarantee Issued
Upon approval, KCGF issues a 70% guarantee on the approved loan amount to the partner bank within defined SLAs.
4
Funds Released
With the guarantee in place, the partner bank releases your loan and your growth journey begins.
Partner Network
Apply through our partner banks.
ProCredit Bank Kosovo
Raiffeisen Bank Kosovo
TEB Bank
NLB Bank Kosovo
Banka Ekonomike
KEP Trust
KFW Microfinance
Ready to grow your business?
Visit any KCGF partner bank and ask about the GROW Window guarantee today.
Check Eligibility