Overdraft For Microbusinesses | UBB | United Bulgarian Bank

Exchange rates

as of 01/12/2022 14:35:07

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

1.90270

1.90060

Buying rate

1.83610

1.84110

BNB fixing

1.88496

Cash payment

Non-cash payment

Selling rate

2.30890

2.30390

Buying rate

2.23400

2.23900

BNB fixing

2.26139

Cash payment

Non-cash payment

Selling rate

2.01670

2.01170

Buying rate

1.94380

1.94880

BNB fixing

1.98481

Advantages

Direct drawdown and repayment on a current account
Option for using a specific limit of funds without collateral
Discounts in price parameters upon utilization of other services
Reduced collateral requirements upon using guarantee instruments

Parameters

Loan purpose	Credit limit to cover current needs
Currency	BGN
Minimum amount	BGN 10 000
Maximum amount without collateral	BGN 100 000
Maximum amount with collateral	BGN 500 000
Tenor	Up to 60 months, with review every 12 months
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
Collateral Types	Unsecured Cash funds Movable assets Mortgage on a real estate Guarantee under the COSME, COSME COVID, EGF* Programme

*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

Print list

Useful documents

Fees and commissions tariff of United Bulgarian Bank applicable to business clients RIR for loans to business clients - calculation and values General terms of UBB AD on payment services for business clients

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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

For freelancers with annual turnover below 1 mln BGN

Number of employees:

Region:

Activity sector:

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Overdraft For Microbusiness clients

Advantages

Parameters

Required Documents

Send Request

Book a Video Meeting

COSME business loans for micro companies

Working Capital Loan With Equal Installments

Business Credit Cards MasterCard Business

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Overdraft For Microbusiness clients

Advantages

Parameters

Required Documents

Send Request

Book a Video Meeting

COSME business loans for micro companies

Working Capital Loan With Equal Installments

Business Credit Cards MasterCard Business

UBB Video Banker - live video meeting for business clients

UBB Video Banker gives you the opportunity to make audio and video contact, share and discuss documents and screens, whether you use a smartphone, tablet, laptop or desktop computer.