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For companies with annual turnover up to 1 mln BGN

For companies with annual turnover above 1 mln BGN

For agri producters

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0700 117 17

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*7171

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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 24/11/2020 17:00:11

Cash payment
Non-cash payment
Selling rate
1.96000
1.95900
Buying rate
1.94850
1.95000
BNB fixing
1.95583
Cash payment
Non-cash payment
Selling rate
1.68660
1.68360
Buying rate
1.60460
1.60760
BNB fixing
1.64840
Cash payment
Non-cash payment
Selling rate
2.26053
2.25553
Buying rate
2.13553
2.13953
BNB fixing
2.19727
Cash payment
Non-cash payment
Selling rate
1.84816
1.84316
Buying rate
1.76216
1.76716
BNB fixing
1.80544
БГ
Working Capital Loan With Equal Installments

Working Capital Loan With Equal Installments

A working capital loan to cover your day-to-day business needs, with equal principal payments on a monthly basis.

Advantages

  • Wide loan purpose range
  • Long tenor
  • Option for financing without collateral
  • Grace period from 3 up to 6 months
  • Discounts in price parameters upon utilization of other services

Parameters

Loan purpose Loan for financing of current business needs
Currency BGN
Minimum amount  BGN 10 000
Maximum amount without collateral BGN 100 000
Maximum amount with collateral BGN 500 000
Tenor

Up to 24 months - without collateral

 

Up to 36 months - upon guarantee instruments, movable property, used as collateral

 

Up to 60 months - upon mortgage on a real estate, used as collateral

 

Up to 120 months - upon cash funds in an account with UBB, used as collateral

Collateral Types

Unsecured

 

Guarantee under the COSME and COSME-COVID*

 

NGF guarantee

 

Programme

 

Machines, equipment, vehicles

 

Mortgage on a real estate

 

Cash funds

Repayment In equal principal payments, on a monthly basis
Fees As per the Bank's Tariff for Business Clients
Interest rates Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin

 

*This guarantee has been provided by COSME and the European fund for Strategic Investments (EFSI), established by virtue of the Investment Plan for Europe. The aim of EFSI is to support the financing and the applying of productive investments in the European Union, as well as to ensure the growth of access to financing.

Required Documents

  • Loan Application and Declaration of Relatedness with other entities as per a sample format of the Bank
  • Balance Sheet, Income Statement and a Tax Return of the applicant for the last 2 years
  • Balance Sheet, Income Statement, report on the average staff number for the last year of the related parties as per the SME Act (in case of COSME guarantee)
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors;
  • Decision of competent authority of the borrower, company co-borrower / collateral owner to conclude the loan agreement
  • Document, ascertaining the collaterals’ ownership

Send Request

Apply online now and get feedback from an UBB expert.

Send Request

Book a Video Meeting

If you would like a consultancy with our expert regarding information on financial products or services, please follow the link below.

COSME business loans for micro companies

UBB offers loans under alleviated collateral conditions thanks to the COSME guarantee instrument - European Programme for Competitiveness of Small and Medium-sized Enterprises.

Overdraft For Microbusiness clients

Meet the current needs of your business in a secure and flexible manner, with automatic drawdown and repayment on a current account.

Business Credit Cards MasterCard Business

With the business credit cards MasterCard Business and MasterCard Business World from UBB, you have reliable and convenient access to funds.