Standard Window

Guarantee Characteristics

What the Standard Window offers.

Standard Window is KCGF's flagship guarantee product — inclusive, comprehensive, and open to every sector. No sector restrictions, the highest loan limits of any window, and a partner network spanning banks and leasing companies across Kosovo. If your MSME needs capital and has a growth plan, the Standard Window is built for you.

50%
Max Guarantee Coverage
€3M
Max Loan Amount
€500K
Max Guarantee Exposure
120mo
Maximum Loan Tenor
Eligibility Criteria

Who can apply?

Criterion Requirement
Business Type Privately owned MSME — no Government ownership during the guarantee period
Registration Registered at the Kosovo Business Registration Agency (ARBK)
Employees Fewer than 250 employees
Sectors All permitted business activities — no sector exclusions
Minimum Loan No minimum specified — window serves all sizes
Maximum Loan €3,000,000
Max Credit Exposure €7,000,000
Max Guarantee Amount €500,000
Loan Tenor Up to 120 months (10 years)
Loan Purpose Long-term investments and/or working capital
Guarantee Structure Revolving
Guarantee for All

Every sector. Every size.

The Standard Window is KCGF's most inclusive guarantee product. No sector restrictions, the highest loan limits, and a partner network that spans banks and leasing companies across Kosovo.

Manufacturing

Production facilities, equipment upgrades, capacity expansion — the Standard Window funds Kosovo's industrial growth.

Trade & Services

Retail, hospitality, professional services — any MSME with a growth plan and a need for capital can qualify

Construction

Infrastructure, real estate development, and the built environment — large-scale long-term financing backed up to 10 years.

Technology

Software, IT services, digital products — Kosovo's fast-growing tech sector is fully eligible with no sector restrictions.

What You Gain

Benefits for everyone.

For MSMEs
  • Increased access to finance with collateral reduction
  • Potentially preferable interest rates on guaranteed loans
  • Faster loan application processing times
  • Long-term business sustainability through better capital structure
For Partner Banks
  • Credit risk reduction with a 100% maximum loss cap guarantee
  • Capital relief and loss coverage via the KCGF guarantee scheme
  • Increased maximum guarantee amount — up to €500,000 per borrower
  • Expanded credit portfolio and increased income from cross-selling
How It Works

Application Process.

01
Apply at Partner Bank
You apply for a loan at any KCGF registered financial institution — not at KCGF directly. Tell them you want the Standard Window guarantee.
02
Credit Analysis
Your bank runs their standard credit assessment. If your MSME meets KCGF criteria, they automatically place the loan under the KCGF credit guarantee.
03
Guarantee Issued
KCGF issues the guarantee — covering up to 50% of the loan principal, capped at €500,000 — reducing the bank's risk significantly.
04
Capital Released
Your loan is approved and funds released. With up to €3M in financing and 10 years to repay, your long-term investment plan can begin.
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 PriBank Raiffeisen Leasing Kosovo

Ready to scale your business?

Visit any KCGF partner institution and ask about the Standard Window today.

Check Eligibility