Green Recovery and Opportunities Window

Guarantee Windows

GROW Window.

Credit guarantees for renewable energy and energy efficiency projects — helping Kosovo's businesses invest in a greener, more sustainable future while reducing costs and environmental impact.

Apply Now Check Eligibility

About the Program

What is the GROW Window?

The GROW Window (Green Recovery and Opportunities Window) is a credit guarantee product designed to increase financial access by supporting registered financial institutions in financing renewable energy and energy efficiency projects for businesses and entrepreneurs across Kosovo.

SIDA and FKGK have signed a reinsurance agreement covering the Export, GROW, and Women in Business windows, providing additional security and confidence for partner financial institutions. More details are available at growkosovo.com.

Eligible projects include investment in energy efficiency measures and small-scale renewable energy sources — wind, solar, biomass, and geothermal installations up to 400 kW. Businesses benefit from favorable loan conditions, reduced collateral requirements, and preferential interest rates.

Guarantee Characteristics

Up to 70%

Coverage of Principal Loan

30%

Maximum Loss Rate

Revolving

Guarantee Type

€1,000,000

Max Guarantee Exposure per Borrower

Who Qualifies

Eligibility Criteria.

Criterion	Requirement
Minimum Loan Amount	€3,000
Maximum Loan Amount	€3,000,000
Max Credit Exposure	€7,000,000
Max Guarantee Exposure	€1,000,000
Maximum Maturity	Up to 120 months (10 years)
Guarantee Coverage	Up to 70% of principal
Eligible Renewable Capacity	Up to 400 kW
Guarantee Type	Revolving

Benefits for SMEs

Improved Access to Financing

Access loans that may not otherwise be available due to risk perceptions or collateral requirements.

Lower Environmental Impact

Invest in energy efficiency and renewable energy to reduce your carbon footprint and energy costs.

Reduced Electricity Costs

Investments in efficiency and solar/renewable generation directly cut operating expenses.

Preferential Interest Rates

GROW-backed loans often carry more favorable terms than standard commercial financing.

Reduced Collateral Requirements

The KCGF guarantee reduces the collateral required by the lending institution.

Business Sustainability

Future-proof your operations with certified green credentials that improve market competitiveness.

Benefits for Financial Institutions

Reduced Risk Costs

KCGF absorbs up to 70% of the credit risk, reducing expected losses and provisioning requirements.

Capital Liberation

Freeing capital through KCGF guarantees enables institutions to expand their lending portfolio.

Expanded Client Portfolio

Reach new client segments in the green economy with confidence backed by KCGF's guarantee coverage.

Getting Started

How to Apply.

Check Eligibility

Use the KCGF eligibility tool to confirm your business qualifies for the GROW Window. Review loan amount and project type criteria.

Contact a Partner Bank

Visit any of the 7 GROW Window partner financial institutions to discuss your energy project and initiate a loan application.

Submit Application

Complete the loan application at your chosen bank. The bank will request the KCGF guarantee on your behalf — no separate application needed.

Receive Funding

Once the guarantee is issued and the loan approved, funding is disbursed. Begin your energy efficiency or renewable energy project.

Available through

Partner Financial Institutions.

Contact any of these registered institutions to apply for a GROW Window-guaranteed loan.

Banka Ekonomike Banka Kombëtare Tregtare (BKT Kosova) Banka për Biznes Sh.A. NLB Banka Sh.A. PriBank Sh.A. ProCredit Bank Kosovo J.S.C. TEB Sh.A.