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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

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For agri producters

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For freelancers with annual turnover below 1 mln BGN

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as of 22/03/2023 17:00:29

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Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Investment loan for purchasing devices and equipment, intended for freelancers*

Investment loan for purchasing devices and equipment, intended for freelancers*

You need financing for your professional practice? With a long-term target-based loan from UBB you obtain the needed funds for purchasing devices, equipment, transport vehicles.


  • Collateral - the purchased asset only
  • No expenses for collateral appraisal by an expert
  • Fast approval procedure
  • Competitive pricing
  • Option to use a VAT credit line
  • Request an online consultation via the UBB Video Banker service


Borrowers Freelancers - medical specialists; attorneys at law; public notaries; private enforcement agents; architects, designers, engineers; chartered accountants; auditors, who are:
1. Natural persons;
2. Registered as sole proprietors / partnerships.
Loan Purpose For purchase of devices, equipment, machines and transport vehicles
For refinancing
Currency BGN
Minimum amount BGN 15 000
Maximum amount BGN 300 000

Up to 60 months

Grace period - up to 6 months

Repayment Equal monthly principal payments

Pledge of devices, equipment, machines and transport vehicles

Option for using European Guarantee instruments

Interest Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin
Fees As per the Bank’s Tariff for Business Clients

Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
    Declaration Statement under COSME* /Declararion EGF**
  • Balance Sheet, Income Statement and a Tax Return of the Borrower for the last 2 years. Current financial statements.
  • Balance Sheet, Income Statement, report on the average staff number for the last year of the related parties as per the SME Act
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors
  • Decision of the competent body of the company – in the latter capacity as borrower, co-debtor and owner of the collateral, for conclusion of the Loan Agreement
  • Collateral ownership documents
  • Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para 6 of the Tax Insurance Procedure Code

*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.

** The EGF guarantee programme has been developed to support liquidity and facilitate access to working capital and investment financing of small and medium enterprises in response to the crisis, caused by the COVID-19 pandemic. The Programme is being implemented by the European Investment Fund with the financial support, ensured through the EGF founding contributions by the member-states.

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