Guarantee Window
Women in
Business.
Guaranteed financing and hands-on support designed for women entrepreneurs — removing barriers so every woman-led business in Kosovo can access the capital it deserves.
What the Women in Business Window offers.
Women in Business Window is designed for women entrepreneurs across Kosovo — removing financing barriers so every woman-led business can access the capital it deserves. Beyond the guarantee, every borrower receives mentoring, networking, and capacity building support as part of the programme.
Who can apply?
| Criterion | Requirement |
|---|---|
| Ownership | MSME owned or co-owned by at least one woman, or led by a woman in an executive position |
| Business Type | Privately owned MSME registered in Kosovo — no Government ownership during the guarantee period |
| Employees | Fewer than 250 employees |
| Residency | Owner/co-owner must be a private citizen or permanent resident of Kosovo |
| Minimum Loan | €3,000 |
| Maximum Loan | €250,000 (max guaranteed amount €175,000) |
| Loan Tenor | Up to 120 months |
| Loan Purpose | Long-term investments and/or working capital |
Why Women in Business?
KCGF covers 70% of default risk — giving partner banks the confidence to approve loans for women-led businesses that deserve a chance.
Access up to €250,000 in financing — with a maximum guaranteed amount of €175,000 — enough to invest, expand, and compete.
Repayment terms of up to 120 months mean manageable installments that fit around the realities of running and growing a business.
A revolving guarantee structure keeps pace with your business — as you repay, your financing capacity is restored and ready to use again.
Guarantee for success.
Beyond the guarantee, every woman entrepreneur in the programme also receives a full non-financial support package — because capital alone is never the whole answer.
Financial education, business formalisation training, and the tools to manage your enterprise with confidence from day one.
Connect with a community of women entrepreneurs, partner institutions, and the broader Kosovo business ecosystem.
Experienced mentors guide you through market positioning, international expansion, and the challenges of scaling your business.
Benefits for everyone.
- Increased access to finance with reduced collateral requirements
- More favourable lending conditions specifically designed for women entrepreneurs
- Potentially preferable interest rates and faster loan processing
- Long-term business sustainability through better financial structure
- Significant credit risk reduction on women-led business lending
- Capital relief and loss coverage through the KCGF guarantee
- Expanded credit portfolio into an underserved and high-potential segment
- Increased income through cross-selling of additional financial products
Application Process.
Apply through our partner banks.
Ready to grow
your business?
Visit any KCGF partner bank and ask about the Women in Business Window today.
Check Eligibility