Diaspora Investment

Who This Is For

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.

Diaspora Status
  • 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
Investment Intent
  • 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
Guarantee Characteristics

What the Diaspora Window offers

80%
Max Guarantee Coverage
€3M
Max Loan Amount
84mo
Maximum Loan Tenor
20%+
Min Equity Participation
Ownership Structure

Three ways to structure it

In all cases, the diaspora investor must own at least 30% of the company.

100%
Fully Diaspora-Owned

The business is wholly owned and established by the diaspora investor — full ownership, full control.

50/50
Kosovo Partnership

In partnership with Kosovo residents — business partners, family, or friends who live and work in Kosovo.

30%+
Foreign Co-Investment

Established with a foreign co-investor (non-resident of Kosovo), with the diaspora investor holding at least 30%.

Flexible Coverage

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
Eligibility Criteria

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
Global Kosovo Network

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.

International Networks

Bring the contacts, markets, and expertise you've built abroad directly into your Kosovo venture.

Capital Amplified

Your 20–30% equity is leveraged with up to €3M in bank financing — backed by an KCGF guarantee of up to 80%

Local Partnership

Partner with Kosovo residents, family, or friends to combine your global reach with on-the-ground presence.

Economic Impact

Every diaspora investment creates jobs, builds know-how, and strengthens the economy you came from

How It Works

Application Process

01
Express Interest
Complete the Diaspora Investment Window questionnaire to register your interest and confirm your eligibility as a diaspora investor.
02
Apply at Partner Bank
Approach any of the 7 KCGF partner banks. Submit your business plan, proof of diaspora status, credit rating documentation, and AML compliance materials.
03
Bank Credit Analysis
Your partner bank completes their standard credit assessment. If you meet KCGF criteria, the loan is automatically placed under the KCGF credit guarantee.
04
Build in Kosovo
KCGF confirms the guarantee, the bank releases your loan, and your Kosovo investment begins — backed by up to 80% risk coverage.
Partner Network

Apply through our partner banks

ProCredit Bank Kosovo Raiffeisen Bank Kosovo TEB Bank NLB Bank Kosovo Banka Ekonomike Banka Kombëtare Tregtare Banka për Biznes

Ready to invest in Kosovo?


Register your interest or visit any KCGF partner bank to start your Diaspora Investment application.

Check Eligibility