Guarantee Window
GROW
Window.
Enhanced credit guarantees for high-growth Kosovo enterprises expanding their operations, workforce, and market reach.
Guarantee Characteristics
What the GROW Window offers.
70%
Max Guarantee Coverage
€1M
Max Exposure Per Loan
Revolving
Guarantee Structure
10yr
Maximum Loan Tenor
Eligibility Criteria
Who can apply?
| Criterion | Requirement |
|---|---|
| Business Type | Registered MSME or mid-cap enterprise in Kosovo |
| Operational History | Minimum 2 years of active operations |
| Revenue Growth | Demonstrated revenue growth of ≥15% in prior fiscal year |
| Employees | Minimum 5 full-time employees at time of application |
| Investment Purpose | Capital investment, capacity expansion, or workforce scaling |
| Financial Statements | Audited or certified financial statements for 2 prior years |
| Tax Compliance | No outstanding tax liabilities (TAK certification required) |
| Sector Restriction | All sectors eligible except arms, gambling, and restricted industries |
Value Proposition
Why GROW?
70%
Risk Coverage
KCGF absorbs 70% of default risk — giving banks the confidence to approve ambitious growth loans.
Revolving
Flexible Structure
Revolving credit facility option means your financing capacity grows with your business.
10yr
Max Tenor
Long-term financing aligned with ambitious expansion timelines and capital investment cycles.
All
Sectors Eligible
Manufacturing, services, tech, agriculture, export — GROW backs every industry with a growth story.
How It Works
Application Process.
01
Apply at Partner Bank
Approach any KCGF partner financial institution and request a GROW Window guarantee for your loan application.
02
Bank Assessment
Your partner bank reviews your application against GROW Window eligibility criteria and assesses business viability.
03
KCGF Guarantee Issued
Upon approval, KCGF issues a 70% guarantee on the approved loan amount to the partner bank.
04
Funds Released
With the guarantee in place, the partner bank releases your loan and your growth journey begins.
Partner Network
Apply through our partner banks.
ProCredit Bank Kosovo
Raiffeisen Bank Kosovo
TEB Bank
NLB Bank Kosovo
Banka Ekonomike
KEP Trust
KFW Microfinance