Albanian Development Guarantee Foundation (ADGF) empowers micro, small and medium-sized enterprises (MSMEs) by providing a risk-sharing guarantee mechanism that makes access to finance easier and more inclusive.

ADGF pursues its mission through this mechanism by supporting:

a) Financial Institution’s loans to MSME businesses in all sectors of the economy and

b) Commercial borrowings of non-bank financial institutions (NBFIs) for on-lending to MSME businesses in different sectors of the economy.

The guarantee mechanism is implemented through a series of targeted windows, each tailored to meet the specific needs of businesses at different stages of development and in various sectors. While the terms and conditions differ between windows, all are designed to ensure prudent risk management, sustainable lending and support for business growth and job creation. Criteria such as eligibility of new loans, structured maturities, shared-risk arrangements and careful assessment of borrower performance ensure that the mechanism supports viable businesses while maintaining portfolio quality.

By combining flexibility, targeted support and robust risk management, ADGF’s guarantee mechanism plays a crucial role in fostering entrepreneurship, promoting investment, and contributing to a resilient and sustainable Albanian economy.