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For companies with annual turnover up to 2 mln BGN

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For companies with annual turnover above 1 mln BGN

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For agri producters

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For freelancers with annual turnover below 1 mln BGN

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Contact us

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0700 1 17 17

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*7171

Short number for mobile users

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+3592 483 1717

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*6777

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Fees and terms

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Exchange rates

Exchange rates

as of 26/05/2023 08:26:16

Cash payment
Non-cash payment
Selling rate
1.96100
1.96000
Buying rate
1.94800
1.94900
BNB fixing
1.95583
Cash payment
Non-cash payment
Selling rate
1.86400
1.86100
Buying rate
1.78000
1.78100
BNB fixing
1.81921
Cash payment
Non-cash payment
Selling rate
2.31500
2.31000
Buying rate
2.19000
2.19400
BNB fixing
2.25292
Cash payment
Non-cash payment
Selling rate
2.05700
2.05500
Buying rate
1.96300
1.96500
BNB fixing
2.01487
БГ
COSME and COSME-COVID Business Loans

COSME and COSME-COVID 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, managed by the European Investment Fund with the financial support of the European Commission.

Advantages

  • Free-of-charge COSME guarantee
  • Alleviated collateral requirements
  • Preferential interest rates
  • Larger opportunities for financing
  • COSME-COVID - Newly approved loans, signed in the period between 06.04.2020. and 30.06.2022
  • Long-term experience of UBB in handling EU programmes

Parameters

Borrowers Micro, small and medium-sized enterprises, as per the SME Act
Aim

COSME

Working capital loans – term loans, credit lines, overdrafts

Investment loans

Bank Guarantees

COSME-COVID

Working capital loans – term loans, credit lines, overdrafts

Bank Guarantees

Maximum amount

COSME

EUR 3 000 000 for loans with a period up to 60 months

EUR 1 500 000 for loans with a period up to 120 months

If the borrower’s industry is freight transport:

EUR 1 500 000 for loans with a period of 60 months

EUR 750 000 for loans with a period up to 120 months

COSME-COVID

up to EUR 150 000

Currency BGN / EUR
Guarantee coverage

COSME

50% of the loan amount

COSME-COVID

80% of the loan amount

Guarantee fee No fee
Inadmissible loans

Refinancing of present loans

Financing of European projects

Repayment period

COSME

from 12 up to 120 months

COSME-COVID

from 12 up to 60 months*

* with the possibility of extension up to 120 months for loans with a fixed repayment plan and up to 108 months for revolving loans

Collateral-related requirements

COSME

Not more than 70% of the loan at the collateral’s discounted value (without COSME guarantee)

COSME-COVID

No limit

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. The Programme is in support of small and medium-sized enterprises with staff number up to 250 employees.

Required Documents

  • Decision of the company’s competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Income Statement, current financial statements 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

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.

Business Loans Under The InnovFin Programme

InnovFin business loans are preferential financing for innovative micro, small and medium-sized companies (up to 499 employees) through a guarantee scheme.

Standard Investment Loan

The standard investment loan is a long-term funding for making your investment intentions come true. This loan may be used for financing your corporate projects.

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.