Guarantee Window
Start-Up
Window.
Guaranteed financing and mentoring support for Kosovo's newest enterprises — backing founders from day one so every bold idea has a real shot at becoming a business.
What the Start-Up Window offers.
Start-Up Window is designed for Kosovo's newest enterprises — backing founders from day one so every bold idea has a real shot at becoming a business. Eligible from the day of registration, with the highest guarantee coverage rate of any window at 80%, plus non-financial mentoring and capacity building support included.
Who can apply?
| Criterion | Requirement |
|---|---|
| Business Type | Privately owned MSME registered in Kosovo (no Government ownership) |
| Operational History | From day of registration up to 12 months old |
| Employees | Fewer than 250 employees |
| Ownership | Owned by at least one private citizen or permanent resident of Kosovo |
| Minimum Loan | €3,000 |
| Maximum Loan | €100,000 (max guaranteed amount €80,000) |
| Loan Purpose | Long-term investments and/or working capital |
| Sector Restriction | All knowledge-based and economic sectors eligible (arms & gambling excluded) |
Why Start-Up?
KCGF absorbs 80% of default risk — the highest coverage rate — giving banks confidence to back businesses that are brand new.
Beyond the guarantee, you get capacity building, networking, and mentoring — the full toolkit to launch and grow.
Access up to €100,000 in financing — enough capital to build your team, stock inventory, and make your first big investments.
From tech and services to manufacturing and trade — if you have knowledge and a business plan, the Start-Up Window is for you.
The non-financial advantage.
Financial literacy, business formalisation training, and the tools to manage your enterprise professionally from day one.
Connect with other entrepreneurs, partner institutions, and the broader Kosovo business ecosystem to accelerate your growth.
Experienced mentors guide you through early challenges — from market positioning to international expansion and employment growth.
Application Process.
Apply through our partner banks.
Ready to launch?
Visit any KCGF partner bank and ask about the Start-Up Window today.
Check Eligibility