Guarantee Window
GROW
Window.
Enhanced credit guarantees for high-growth Kosovo enterprises expanding their operations, workforce, and market reach.
What the GROW Window offers.
GROW Window is designed for Kosovo enterprises that have already proven their model and are ready to scale. It provides enhanced credit guarantees to help high-growth businesses secure financing for capital investment, workforce expansion, and market development — at a moment when conventional bank credit is hardest to access. Backed by KCGF, GROW takes 70% of the lender's default risk off the table — unlocking larger, longer-tenor loans that match the ambition of businesses ready for their next chapter.
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 |
Why GROW?
KCGF absorbs 70% of default risk — giving banks the confidence to approve ambitious growth loans.
Revolving credit facility option means your financing capacity grows with your business.
Long-term financing aligned with ambitious expansion timelines and capital investment cycles.
Manufacturing, services, tech, agriculture, export — GROW backs every industry with a growth story.