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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

Number of employees:



Activity sector:

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0700 117 17

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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 29/03/2023 17:00:09

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
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Working Capital Loan With Equal Installments

Working Capital Loan With Equal Installments

A working capital loan to cover your day-to-day business needs, with equal principal payments on a monthly basis.


  • Wide loan purpose range
  • Long tenor
  • Option for financing without collateral
  • Grace period from 3 up to 6 months
  • Discounts in price parameters upon utilization of other services


Loan purpose Loan for financing of current business needs
Currency BGN
Minimum amount  BGN 10 000
Maximum amount without collateral BGN 100 000
Maximum amount with collateral BGN 500 000

Up to 24 months - without collateral


Up to 36 months - upon guarantee instruments, movable property, used as collateral


Up to 60 months - upon mortgage on a real estate, used as collateral


Up to 60 months - upon cash funds in an account with UBB, used as collateral

Collateral Types



Guarantee under the COSME, COSME COVID*, EGF**


Machines, equipment, vehicles


Mortgage on a real estate


Cash funds

Repayment In equal principal payments, on a monthly basis
Fees As per the Bank's Tariff for Business Clients
Interest rates Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin


*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 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.

Required Documents

  • Loan Application and Declaration of Relatedness with other entities as per a sample format of the Bank
  • Balance Sheet, Income Statement and a Tax Return of the applicant 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 (in case of COSME guarantee)
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors;
  • Decision of competent authority of the borrower, company co-borrower / collateral owner to conclude the loan agreement
  • Document, ascertaining the collaterals’ ownership

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Book a Video Meeting

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COSME business loans for micro companies

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

Overdraft For Microbusiness clients

Meet the current needs of your business in a secure and flexible manner, with automatic drawdown and repayment on a current account.

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.