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.
|Borrowers||Micro, small and medium-sized enterprises, as per the SME Act|
Working capital loans – term loans, credit lines, overdrafts
|Maximum amount|| |
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
|Currency||BGN / EUR|
|Guarantee coverage||50% of the loan amount|
|Guarantee fee||No fee|
|Inadmissible loans|| |
Refinancing of present loans
Financing of European projects
|Repayment period||From 12 up to 120 months|
|Collateral-related requirements||Not more than 70% of the loan at the collateral’s discounted value (without COSME guarantee)|
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.
InnovFin business loans are preferential financing for innovative micro, small and medium-sized companies (up to 499 employees) through a guarantee scheme.
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.