Businesses double their "debts" for equipment purchases/ New credit in April shifts towards investments and expansion of activity
New business credit increased strongly in April, supported mainly by financing for equipment, working capital and real estate. According to data from the Bank of Albania, private non-financial corporations received 25.5 billion lek of new credit in April 2026, up from 20.5 billion lek in the same month last year, an increase of about 24.7%.
The strongest growth was recorded in loans for equipment purchases, which reached around 4.35 billion lek, up from 2.09 billion lek a year earlier. This translates into a more than twofold expansion, indicating that some businesses are orienting themselves towards investments for expansion or modernization of their activities.
Working capital financing has also seen significant growth. In April 2026, loans for this purpose reached around 5.72 billion lek, up from 4.42 billion lek in April 2025, or around 29% more. This segment is directly related to the daily needs of businesses for liquidity and business continuity.
Meanwhile, real estate loans reached around 4.56 billion lek, up from 4.11 billion lek a year earlier, marking an increase of around 11%. This shows that investments related to properties and long-term assets continue to remain an important financing direction for businesses.
Overdrafts continue to account for the majority of new credit, reaching around 10.9 billion lek, up from 9.85 billion lek in April 2025, an increase of around 10.6%. However, their pace is lower than that of loans for equipment and working capital.
Overall, the data shows that the growth in business credit in April was not only driven by short-term financing, but also by segments related to investment and expansion. This makes the lending structure more positive, as the growth is not simply driven by the need for liquidity, but also by the demand for development financing.
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