Financing Services
Risk Assessments
We provide tailored risk assessments and strategy, including business plan and feasibility review and analysis; market, business and risk analysis, especially legal and regulatory risk, strategic and reputation risk, and other business risks. Our services also include identification of potential operational and financial risks, evaluation of market entry challenges, and development of actionable mitigation strategies. Additionally, we assist clients in implementing robust risk management frameworks, monitoring emerging risks, and ensuring compliance with evolving regulatory requirements to safeguard business continuity and enhance long-term value.
Financing strategy
We analyze your project’s creditworthiness and assess available domestic and international sources of financing available to meet your project’s needs, and recommend a financing strategy – be it in the form of syndicated bank deals, co-sponsorships, capital markets solutions, or agency/ECA-backed financings. We also evaluate the optimal capital structure, assess potential risks associated with different financing options, and provide guidance on cost of capital and repayment terms. Furthermore, we support negotiation with financial institutions, ensure alignment with investor requirements, and help structure tailored solutions that maximize financial efficiency while mitigating risk exposure.
Deal structuring and negotiations
Combining the expertise of our legal and financing teams, we assist with deal structuring as well as support the negotiation of numerous sensitive and complicated financing relationships to achieve the best outcomes for our clients, between any possible parties, including private entities, financial institutions, and government bodies. We also provide comprehensive risk assessment, ensure regulatory and compliance requirements are met, and advise on contractual and strategic considerations. In addition, we help design innovative deal structures, facilitate effective communication among stakeholders, and implement solutions that optimize financial and operational efficiency while safeguarding our clients’ interests throughout the transaction process.
Transactions Services
We provide our clients with transaction services advice, including deal sourcing, due diligence, valuation analysis, and merger & acquisition support.
Recent engagements include:
Financing and structuring the leveraged buyout of German Hospital International, one of Albania’s largest private hospitals (€7M).
Sourced, structured, and secured €3M financing for FAFA Hotels & Resorts.
Assisted CFO Pharma in debt restructuring and securing a new credit line for operational needs.
Analyzed financials and sourced a €2M loan for MUKA sh.p.k., a major garment factory.
Structured and financed the acquisition of Green Line, Tirana’s main bus transportation line (€2M).
Secured €2M financing for a 5-star, 250-room hotel development in the Ionian Riviera.
Participated in a World Bank mission to Azerbaijan to assess banking supervision, restructure non-performing loans, and recommend reforms.
Conducted a study for the Albanian Bank Association on banks’ contribution to the economy (2004–2016), providing analysis and sector development recommendations.
Albania’s economy has evolved remarkably since its communist era. Transitioning from a centralized system, the country now thrives on a dynamic private market that employs the majority of its workforce. Financial services for this growing business community are primarily provided by privately owned banks, supported by both domestic and international investors. Institutions such as the EBRD and IFC have also played a role in supporting selected development projects, while a few foreign equity funds have begun to show interest in recent years.
Despite this progress, access to capital remains limited, particularly for new ventures and smaller enterprises. Traditional lenders in Albania still maintain a cautious approach, and fundraising through securities or capital markets remains uncommon. However, syndicated loans have recently gained more importance as an alternative source of financing.
Since its founding, Frost & Fire Consulting has been deeply engaged in Albania’s financial landscape, offering strategic support to both lenders and borrowers. Drawing on extensive experience across both legal and financial domains, our team is well positioned to provide expert assistance tailored to your organization’s specific funding and banking needs. Our team provides a wide range of professional support across multiple sectors. Learn more about our Legal Services, explore our Financing Services, discover our Organization Development solutions, or see how we assist with Government Relations.