Guarantee Window
Diaspora
Investment.
A bridge between the Kosovo diaspora worldwide and investment back home — guaranteed financing for Kosovar entrepreneurs living abroad who are ready to build something lasting in their homeland.
Kosovo is calling you back.
Diaspora Investment Window is a bridge between the Kosovo diaspora worldwide and investment back home — guaranteed financing for Kosovar entrepreneurs living abroad who are ready to build something lasting in their homeland. Bring your international experience, networks, and capital back to Kosovo, backed by up to 80% risk coverage from KCGF.
- Persons born in Kosovo who have lived abroad for over 3 years
- Second generation — offspring of Kosovar parents originating from Kosovo
- Must hold or have previously held Kosovar citizenship
- Must provide official documentation of residence outside Kosovo
- Starting a brand new business venture in Kosovo
- Supporting an existing diaspora-owned business inside Kosovo
- Business must be no more than 36 months old at time of application
- A clear investment business plan is required
What the Diaspora Window offers.
Three ways to structure it.
In all cases, the diaspora investor must own at least 30% of the company.
The business is wholly owned and established by the diaspora investor — full ownership, full control.
In partnership with Kosovo residents — business partners, family, or friends who live and work in Kosovo.
Established with a foreign co-investor (non-resident of Kosovo), with the diaspora investor holding at least 30%.
More equity, more coverage.
The guarantee coverage percentage is flexible and increases as your equity participation in the investment grows — the more you put in, the more we cover.
| Your Equity Participation | Bank Loan Share | KCGF Guarantee Coverage |
|---|---|---|
| 20% of total investment | 80% of total investment | 60% guarantee on loan |
| 25% of total investment | 75% of total investment | 70% guarantee on loan |
| 30% of total investment | 70% of total investment | 80% guarantee on loan |
Full requirements at a glance.
| Criterion | Requirement |
|---|---|
| Business Age | No more than 36 months of operation at time of application |
| Registration | Registered with Kosovo Business Registration Agency (KBRA) |
| Employees | Fewer than 250 employees |
| Equity Participation | Minimum 20% of total investment (diaspora investor's own funds) |
| Min Loan | €3,000 (min guarantee €1,500) |
| Max Loan | €3,000,000 (max guarantee €2,000,000) |
| Tenor | 3 months minimum — up to 84 months maximum |
| Loan Types | Loan, Credit Line, or Overdraft |
| Purpose | Fixed assets, equipment, or working capital |
| Credit Rating | Good credit rating from both country of residence and Kosovo |
| AML Compliance | Anti-money laundering due diligence required; no active judicial proceedings or international sanctions |
| Sectors | All sectors except those prohibited under KCGF environmental and social management policy |
Your global experience.
Kosovo's future.
The diaspora community is one of Kosovo's greatest assets. Every investment you make at home brings not just capital — but international know-how, networks, and ambition that Kosovo's economy needs most.
Bring the contacts, markets, and expertise you've built abroad directly into your Kosovo venture.
Your 20–30% equity is leveraged with up to €3M in bank financing — backed by an KCGF guarantee of up to 80%.
Partner with Kosovo residents, family, or friends to combine your global reach with on-the-ground presence.
Every diaspora investment creates jobs, builds know-how, and strengthens the economy you came from.
Application Process.
Apply through our partner banks.
Ready to invest
in Kosovo?
Register your interest or visit any KCGF partner bank to start your Diaspora Investment application.