Women in Business

Guaranteed financing and practical support for women entrepreneurs — removing barriers so that every women-led business in Kosovo has access to the capital it deserves.

CHARACTERISTICS OF THE GUARANTEE

WHAT THE WINDOW OFFERS …

The Women in Business Window is designed for women entrepreneurs across Kosovo — removing financing barriers so that every women-led business has access to the capital it deserves. Beyond the guarantee, every borrower receives mentoring, networking, and capacity-building support as part of the program.

70%
MAXIMUM GUARANTEE COVERAGE
€250K
MAXIMUM LOAN AMOUNT
Revolving
Guarantee Structure
120mo
MAXIMUM LOAN TERM
ELIGIBILITY CRITERIA

WHO CAN APPLY?

CRITERION REQUIREMENT
Ownership MSME owned or co-owned by at least...
Business type Privately owned MSME registered in Kosov...
Employees Less than 250 employees
Residence The owner/co-owner must be a priva... citizen
Minimum loan €3,000
WomenTblMaxLoan €250,000 (maximum guaranteed amount €175,00...
Loan term Up to 120 months
Loan purpose Long-term investments and/or working capital
VALUE PROPOSITION

Why Women in Business?

70%
Risk Coverage

KCGF covers 70% of the default risk — giving partner banks the confidence to approve loans for women-led businesses that deserve an opportunity.

250K
Maximum Loan

Access to financing up to €250,000 — with a maximum guaranteed amount of €175,000 — enough to invest, expand, and compete.

10yr
Maximum Term

Repayment terms of up to 120 months mean manageable installments that adapt to the reality of running and growing a business.

Revolving
Guarantee Structure

The revolving guarantee structure moves at the pace of your business — as you repay, your financial capacity is restored and is ready to be used again.

Beyond Finance

Guarantee for success.

Beyond the guarantee, every woman entrepreneur in the program also receives a complete non-financial support package — because capital alone is never the entire answer.

Capacity Building

Financial education, training for business formalization, and the tools to manage your enterprise with confidence from day one.

Networking

Connect with a community of women entrepreneurs, partner institutions, and the broader business ecosystem in Kosovo.

Mentorship

Experienced mentors guide you in market positioning, international expansion, and the challenges of business growth.

WHAT YOU GAIN

BENEFITS FOR EVERYONE.

For Your Business
  • Greater access to financing with lower collateral requirements
  • More favorable credit terms designed specifically for women entrepreneurs
  • Potentially more preferential interest rates and faster loan processing
  • Long-term business sustainability through a better financial structure
For Partner Banks
  • Significant reduction of credit risk for lending to women-led businesses
  • Capital relief and loss coverage through the KCGF guarantee
  • Expansion of the credit portfolio into an underserved segment with high potential
  • Revenue growth through cross-selling of additional financial products
HOW IT WORKS

THE APPLICATION PROCESS.

01
Apply at the Partner Bank
You apply for a loan directly at any KCGF partner financial institution — not at KCGF itself. Ask specifically for the Women in Business Window.
02
Bank Credit Analysis
Your partner bank performs standard credit analysis. If your business meets the KCGF criteria, the loan is automatically placed under the KCGF guarantee.
03
KCGF Guarantee Issued
KCGF issues a guarantee covering up to 70% of the approved loan — reducing the bank's risk and making approval significantly more likely.
04
Funds & Support
Your loan is disbursed and your non-financial support program begins — mentorship, networking, and capacity building all included.
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

READY TO EXPAND YOUR BUSINESS?

CHECK THE ELIGIBILITY CRITERIA