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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 25/10/2020 17:00:35

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
1.68995
1.68695
Buying rate
1.60795
1.61095
BNB fixing
1.64965
Cash payment
Non-cash payment
Selling rate
2.21637
2.21137
Buying rate
2.09137
2.09537
BNB fixing
2.15697
Cash payment
Non-cash payment
Selling rate
1.86591
1.86091
Buying rate
1.77991
1.78491
BNB fixing
1.82532
БГ
COSME and NGF combined guarantee for business loans and micro enterprises

COSME and NGF combined guarantee for business loans and micro enterprises

UBB offers loans under relaxed terms and conditions with regard to the collateral thanks to combining two guarantee instruments: COSME* and NGF**

Advantages

  • Predictability - fast and easy access to financing
  • Flexibility - alleviated collateral requirements
  • Convenience - larger opportunities for financing

 

Parameters

Purpose

Working capital loans – term loans, overdrafts, VAT credit line

Investment loan for purchasing transportation vehicles

Bank guarantees

Currency Bulgarian leva (BGN)
Maximum amount BGN 300 000 for working capital loans, bank guarantees

BGN 300 000 as regards investment loans for purchase of transportation vehicles
Guarantee Coverage 80% of the loan amount
Guarantee Fee No fee for guarantee issuance
Inadmissible loans

Refinancing of present loans

Financing of European projects

Repayment term

Working capital loans, bank guarantees – from 12 up to 60 months


Investment loans for purchase of transportation vehicles – from 12 up to 60 months

Collateral-related requirements Not more than 70% of the loan at the collateral’s discounted value  
Interest rates 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

 

 

*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.

 

** Joint programme of UBB and NGF for guaranteeing loans to small and medium-sized enterprises 

Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
  • Declaration Statement under COSME
  • Balance Sheet, Income Statement and a Tax Return of the Borrower 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
  • 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

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Business Partnership package

Consolidate the most frequently used by you banking services, optimize fee costs and use the services of UBB’s entire branch network.

Virtual POS Terminals

Add new client functionalities and options on your website – for credit and debit card payments via a virtual POS terminal 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.