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For companies with annual turnover up to 1 mln BGN

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For companies with annual turnover above 1 mln BGN

For agri producters

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as of 18/10/2021 12:35:09

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Non-cash payment
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Cash payment
Non-cash payment
Selling rate
Buying rate
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Cash payment
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Selling rate
Buying rate
BNB fixing
InnovFin  and InnovFin COVID Business Loans

InnovFin and InnovFin COVID Business Loans

InnovFin and InnovFin COVID business loans are preferential financing for innovative micro, small, medium-sized and big companies through a guarantee scheme.


  • Fast approval procedure
  • Larger opportunities for financing
  • Preferential interest rates
  • Alleviated collateral requirements
  • Extended InnovFin COVID eligibility range


Micro, small, medium-sized and big enterprises
Amount Minimum EUR 25 000, maximum EUR 7 500 000 (or their equivalence in Bulgarian leva)
Currency BGN / EUR
Guarantee coverage


50% of the loan amount

InnovFin COVID

80% of the the loan amount (till 30 June 2021)

Guarantee fee No fee

For companies, developing innovative products and services and/or carrying out scientific research activities.

- Working capital loans – overdrafts or revolving credit lines

- Investment loans

Inadmissible loans

Refinancing of present loans

Financing of European projects

Repayment period

For investment loans: minimum 12 months, maximum - 120 months

For working capital loans: minimum 12 months, maximum 72 months

Collateral-related requirements All collateral that is acceptable to the Bank

The loans under the programme are being provided with the support of the InnovFin Guarantee Instrument for Small and Medium-sized Enterprises with the financial support of the European Union, based on Financial Intruments under Horizon 2020 and the European fund for Strategic Investments (EFSI), established by virtue of the Investment Plan for Europe.

Required Documents

  • Decision of the company’s competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Income Statement and a Tax Return for the last year
  • Collateral ownership documents - copies of the ID cards of the company’s representatives - borrower/co-debtor/pledgors/mortgagors;
  • Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para6 of the Tax Insurance Procedure Code;
  • Declaration of relatedness with other entities as per sample format

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Bank Guarantees

UBB issues and advises bank guarantees in local and foreign currency for secure good performance and mitigate risks. A bank guarantee is being issued upon your instruction and is an unconditional and irrevocable commitment on the part of UBB.

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.

COSME Business Loans

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