Agro Window

Guarantee Characteristics

What the Agro Window offers

Agro Window is designed for Kosovo's agricultural sector — covering farms, agro-processors, and rural businesses with the seasonal flexibility that agriculture demands. From a small working capital injection to a large-scale agro-processing investment, KCGF shares the lending risk so partner banks can say yes to Kosovo's food producers.

60%
Coverage up to €50K loans
50%
Coverage over €50K loans
€3M
Max Agro Loan Amount
120 months
Maximum Loan Tenor
Eligibility Criteria

Who can apply?

Criterion Requirement
Business Registration Registered agro-business in the Kosovo Business Registration Agency (KBRA)
Farmers Farmers holding a valid Farm Identification Number (FIN) and Farmer Certificate
Sector Active in agriculture — farming, agro-processing, or rural investment projects
Minimum Loan €3,000
Maximum Loan €3,000,000
Max Guarantee Exposure €500,000 per borrower
Max Lending Exposure €7,000,000
Loan Purpose Working capital, fixed assets, and capital investments in agro sector
Loan Tenor Up to 120 months
Guarantee Type Revolving
Value Proposition

Why Agro Window?

60 / 50%
Tiered Coverage

Up to 60% guarantee on agro loans under €50K — and 50% on larger loans — so banks can say yes to farms of every size.

€3M
Max Loan Size

From a €3,000 working capital injection to a €3,000,000 agro-processing investment — the Agro Window scales with your operation.

Seasonal
Flexible Structure

Revolving credit and long tenors accommodate seasonal cash-flow cycles — so repayments align with harvest, not arbitrary bank schedules.

All Agro
Sectors Covered

Crops, livestock, agro-processing, food production, rural equipment — if it grows Kosovo's agricultural output, it qualifies.

Eligible Investments

From field to market

The Agro Window finances the full agricultural value chain — whether you're planting your first crop or scaling an agro-processing facility for export.

Crop Production

Seeds, fertilisers, crop protection, irrigation systems, and seasonal working capital for primary agricultural production.

Livestock

Animal husbandry, dairy operations, poultry, and livestock equipment — financing the full cycle of animal production.

Agro-Processing

Processing facilities, storage, cold chain infrastructure, and food production equipment for value-added products.

Equipment & Machinery

Tractors, harvesters, greenhouses, drip irrigation, and fixed agricultural assets for long-term productivity gains.

Why It Matters

Cultivating a stronger Kosovo

Employment
  • The Agro Window directly creates and sustains jobs in rural Kosovo — reversing agricultural decline and keeping communities rooted in the land.
Import Sub
  • By backing local food production, KCGF helps Kosovo substitute imported food products with domestically grown alternatives — strengthening the trade balance.
How It Works

Application Process

01
Apply at Partner Bank
As a registered agro-business or farmer with a FIN, apply for a loan directly at any KCGF partner bank or microfinance institution — not at KCGF.
02
Credit Analysis
Your partner institution performs its standard credit analysis. If you meet the Agro Window eligibility criteria, they place the loan under the KCGF guarantee.
03
Guarantee Issued
KCGF issues a guarantee covering up to 60% of the loan (or 50% for loans over €50K) — reducing the lender's risk and enabling approval
04
Invest & Grow
Funds are released. Invest in equipment, expand your land, scale your processing operation and build a stronger agricultural business.
Partner Network

Apply through our partner institutions

ProCredit Bank Kosovo Raiffeisen Bank Kosovo TEB Bank NLB Bank Kosovo Banka Ekonomike Banka Kombëtare Tregtare Banka për Biznes AFK — Agjencion për Financim FINCA Kosovo KEP Trust Kreditimi Rural i Kosovës (KRK)

Ready to cultivate your future?

Check Eligibility