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Business Plans, kredi dhe grante

Funding plans, analysis and files for banks, grants and investments.

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Detaje të shërbimit

What Does This Service Include?

Business plans, loans and grants require more than a description of the idea. This service includes business analysis, plan preparation, financial projections, supporting documents and a clear narrative for the bank, investor, donor or support program. The aim is to submit the application with correct data, financial justification and proper documents.

Pikat kryesore

  • Business Plans
  • Loan Documents
  • Grant Applications
  • Financial analysis
  • Investment advisory
Qasja për këtë shërbim:The approach is tied to the financing purpose: the plan, loan or grant application should be supported by figures, documents and a clear explanation of the investment.

How Do We Handle It in Practice?

01We clarify the investment purpose, amount and source of financing.
02We collect financial statements, turnover, expenses and supporting documents.
03We prepare the plan, analysis and financial narrative.
04We guide the client on submission to a bank, grant program or financial partner.
Financing and development

Funding file with plan, analysis and regular documents

Banks, grants and investors are looking for more than an idea. The application must indicate why the financing is required, how the funds will be used, what are the revenues, expenses, risks, solvency and the impact of the investment on the business.

Business plan

Why Is It Needed?

The business plan explains the idea, market, product or service, revenue model, costs, investment, risks and how the business is expected to develop.

For Which Cases?

  • Business setup
  • Zgjerim aktiviteti
  • Bank loan
  • Grant
  • Investitor
  • Partneritet
  • Aplikim për program mbështetës
  • Internal business planning

What Does It Usually Include?

  • Business description
  • Products or services
  • Market and customers
  • Konkurrenca
  • Sales strategy
  • Struktura e kostove
  • Investimi i planifikuar
  • Të hyrat e parashikuara
  • Financial projections
  • Risks and safeguards
  • Plani i veprimit

FAQ

Is a business plan needed even for an existing business?
Yes, especially when a loan, grant, investment or activity expansion is required.

Bank loan

Why Is It Needed?

A bank loan requires clear financial records, regular documents and a convincing explanation of the business's ability to repay the loan.

For Which Cases?

  • Kapital qarkullues
  • Purchase of equipment
  • Business expansion
  • Renovation or construction
  • Import mallrash
  • Financim projekti
  • Refinancim, sipas rastit

What does the bank usually check?

  • Qarkullimin
  • Fitimin
  • Gjendjen bankare
  • Financial statements
  • Detyrimet ekzistuese
  • Historikun kreditor
  • Collateral, when required
  • Aftësinë paguese
  • Qëllimin e kredisë
  • Business documents

How Is It Done?

  • The financial file is organized.
  • Plan and analysis are prepared.
  • A summary of turnover and expenses is prepared.
  • Missing documents are checked.
  • Përgatitet narrativa e përdorimit të mjeteve.
  • Orients the client on the bank's questions.

FAQ

Does the plan guarantee loan approval?
No. The decision is made by the bank. The plan and regular documents make the application clearer and more professional.

Grant Applications

Why Is It Needed?

Grants usually have special criteria, deadlines, documents and a specific application method. The application must be clear, documented and related to the purpose of the program.

For Which Cases?

  • Digjitalizim
  • Pajisje
  • Zgjerim prodhimi
  • Eksport
  • Certifikim produkti
  • Start-up
  • Inovacion
  • Punësim
  • Women in business
  • Agriculture or rural development
  • Efiçiencë energjetike, sipas programit

What Is Checked?

  • Kriteret e thirrjes
  • Afati
  • Business profitability
  • Required documents
  • Shpenzimet e pranueshme
  • Bashkëfinancimi
  • Qëllimi i projektit
  • Ndikimi i projektit
  • Reporting pas përfitimit

How Is It Done?

  • The call and criteria are read.
  • It is checked if the business is suitable.
  • Përgatitet përshkrimi i projektit.
  • Budget and documents are prepared.
  • Dorëzohet aplikimi.
  • The file is saved and the status is tracked.

FAQ

Are the documents the same for each grant?
No. Each grant has specific criteria, documents and deadlines.

Financial analysis

Why Is It Needed?

Financial analysis helps to understand if the business has capacity for credit, investment, expansion or grant application.

When Is It Needed?

  • Before applying to the bank
  • Before applying for a grant
  • Before investment
  • Before expanding the business
  • When management requires decision with numbers

What is analyzed?

  • Të hyrat
  • Shpenzimet
  • Fitimi
  • Marzha
  • Qarkullimi bankar
  • Detyrimet
  • Assetst
  • Inventory
  • Calculateë e arkëtueshme
  • Calculateë e pagueshme
  • Kostoja e projektit
  • Aftësia paguese

FAQ

Is turnover alone enough to apply for a loan?
No. Turnover is important, but the bank usually also looks at profit, liabilities, history, documents and solvency.

Financial projections

Why Is It Needed?

The projections show how the business is expected to develop after the investment: revenues, expenses, profit, cash flow and return on investment.

What do they include?

  • Parashikim të të hyrave
  • Parashikim të shpenzimeve
  • Expected profit/loss
  • Cash flow
  • Kosto e investimit
  • Burimi i financimit
  • Payments e kredisë, nëse ka
  • Period e kthimit
  • Supozimet kryesore

FAQ

Should the projections be too optimistic?
No. Projections must be realistic and supported by data or reasoned assumptions.

Cash flow and repayment capacity

Why Is It Needed?

The business may have good turnover, but problems with available cash. Cash flow shows when money comes in and goes out and whether installments, suppliers, salaries and liabilities can be paid.

When Is It Needed?

  • Before receiving the loan
  • Before investment
  • When there are delays in collections
  • When liabilities increase
  • When the business plans expansion

What Is Checked?

  • Monthly Income
  • Payments from customers
  • Shpenzimet fikse
  • Shpenzimet variabile
  • Këstet e kredive
  • Paymentst ndaj furnitorëve
  • Pagat
  • Tatimet
  • Sezonaliteti
  • Rezerva për muaj të dobët

FAQ

Why is cash flow important for the bank?
Because it shows whether the business has real capacity to pay installments on time.

Bank documentation

Why Is It Needed?

Banks require clear documents to assess the business, history, revenues, expenses, liabilities and purpose of financing.

FAQ

Do the financial filings need to be updated?
Yes, the more up-to-date and accurate the documents, the clearer the application.

Grant documentation

Why Is It Needed?

Grants have specific criteria and documents must be adapted to the requirements of the call.

FAQ

Can the same plan be used for each grant?
No. The plan and narrative should fit the criteria and purpose of each call.

Investments and business expansion

Why Is It Needed?

The investment must be analyzed before it is realized, because it affects the cost, capacity, profit, cash flow and risk.

For Which Cases?

  • Purchase of equipment
  • Hapje lokacioni të ri
  • Rritje kapaciteti
  • Zgjerim stafi
  • Digjitalizim
  • Vehicles or machinery
  • Marketing and sales
  • Certifikim produkti
  • Eksport

What is analyzed?

  • Kostoja e investimit
  • Burimi i financimit
  • Rritja e pritshme e të hyrave
  • Shpenzimet shtesë
  • Kthimi i investimit
  • Risku
  • Return period
  • Ndikimi në cash-flow

FAQ

Is it necessary to analyze even when the investment is paid with own funds?
Yes, because the investment can affect the liquidity and financial stability of the business.

Start-ups and new ideas

Why Is It Needed?

New ideas should be clearly presented: the problem they solve, the customers, the revenue model, the cost, the team, the market and how to implement it.

What Does It Include?

  • Përshkrimi i idesë
  • The problem and the solution
  • Potential customers
  • Modeli i të hyrave
  • Kostoja e zhvillimit
  • Plani i zbatimit
  • Financial projections
  • Team and capacities
  • Rreziqet
  • Nevoja për financim

FAQ

Can a business plan be made even without existing traffic?
Yes, but in that case the project relies more on research, educated guesses and an implementation plan.

Narrativa e projektit

Why Is It Needed?

The narrative explains why the project has value, why funding is required, and how it will impact the business. It must be clear, concrete and linked to figures.

What should explain?

  • The problem or need
  • Qëllimin e projektit
  • Përfitimet për biznesin
  • Benefits to customers/market
  • Përdorimin e mjeteve
  • Rezultatet e pritshme
  • Jobs, when applicable
  • Rritjen e prodhimit/shërbimit
  • The impact on export/digitalization/innovation, when any

FAQ

Why is narrative important?
Because the bank, donor or investor must understand the logic of the project, not just the numbers.

Risks and financing rationale

Why Is It Needed?

Every project has risks. Professional application does not hide the risks, but identifies them and shows how they will be managed.

Rreziqe të zakonshme

  • Rritje e kostove
  • Delay in implementation
  • Mungesë likuiditeti
  • Sales lower than planned
  • Dependence on suppliers
  • Sezonalitet
  • Changes in the market
  • Mungesë stafi
  • Exchange rate risk, when there is import/export

FAQ

Should we mention the risks in the plan?
Yes, because a realistic plan also shows the risks and how the business plans to manage them.

Common application mistakes

Why Is It Needed?

Errors in applications can lead to rejection, delays or requests for documents.

Common mistakes

  • Amount e kërkuar nuk arsyetohet
  • Financial statements are missing
  • Mungojnë ofertat/pro-format
  • The project is not related to the grant criteria
  • The figures do not match the documents
  • Nuk ka cash-flow
  • Nuk tregohet aftësia paguese
  • Buxheti është i paqartë
  • Documents are submitted after the deadline
  • Plani është shumë i përgjithshëm
  • Nuk ka narrativë të qartë
  • Business documents are not up to date

FAQ

What is the biggest mistake?
The discrepancy between the plan, the figures and the supporting documents is among the most problematic errors.

Documents usually required

Why Is It Needed?

Specific documents vary by bank, grant program, type of business and purpose of financing.

Note

Specific documents vary by bank, grant program, type of business and purpose of financing.

FAQ

Are the documents the same for each application?
No. Before applying, the specific list is checked according to the bank, donor, program or responsible institution.

FAQ

Frequently asked questions about business plans, loans and grants

Does the Plan Guarantee Loan or Grant Approval?

No. The decision is taken by the bank, donor or institution. The plan and regular documents make the application clearer and more professional.

Can a Business Plan Be Prepared for a Start-Up?

Yes, but in the absence of financial history, reasoned assumptions, market research and an implementation plan are used.

Do You Prepare Documents for Bank Loans?

Yes, the file can be prepared with filings, turnover, supporting documents, business plan and financial analysis.

Do You Help With Grant Applications?

Yes, the service may include checking criteria, preparing documents, budget and project narrative.

Do I Need Financial Statements?

For existing businesses, financial filings are very important and are often required by banks, programs or institutions.

Professional guidance

Do you have an idea, investment or application for financing?

Send us the purpose, the required amount, the existing documents and the application deadline. Our team guides you through the financing plan, analysis and file.

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Official and financial sources

Burime për loans, grants and business development

These resources are used for guidance and verification of programs, documents and funding opportunities. For each specific case, the criteria and deadlines are checked in the official source of the bank, institution or program.

FKGK

Fondi Kosovar për Garanci Kreditore

Institucion që mbështet qasjen në financim për NVM-të duke ndarë rrezikun kreditor me institucionet financiare.

Hape FKGK
KIESA

Agency for Investments and Enterprise Support

Resource for supporting investments, exports, SMEs, tourism and economic development in Kosovo.

Hape KIESA
BQK

Banka Qendrore e Kosovës

Source for financial, banking and credit report information, which can be important in loan applications.

Hape BQK
CREDIT REPORT

Raporti kreditor

Source for credit history checks, which can be requested or analyzed during financing applications.

Shiko raportin
eKOSOVA

Platforma eKosova

State platform where electronic services are published and offered, including applications and public services as the case may be.

Hape eKosova
SME

SME Competitiveness Support Programme

Program related to loans and grants for SMEs through partner banks, according to the terms of the program.

Shiko programin

Note: The information on this page is indicative and based on official sources or public financial programs. The criteria, documents, deadlines, rates and decision for financing vary according to the bank, donor, program or responsible institution. Easy Accounting does not guarantee loan, grant or investment approval.

Note: The information on this page is indicative and based on official sources or professional practices. Requirements, documents, deadlines and procedures may vary according to the specific case, the status of the business and the responsible institution. Easy Accounting is not a public institution and does not replace the official decision or interpretation of the competent authorities.

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