Choose segment

For companies with annual turnover up to 1 mln BGN

For companies with annual turnover above 1 mln BGN

For agri producters

Number of employees:

Activity sector:

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Contact us

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0700 117 17

Domestic line

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*7171

Short number for mobile users

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+3592 483 1717

International line

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Offices and ATMs

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Online/Mobile Online/Mobile

Online/Mobile

Online/Mobile

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Fees and terms

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Exchange rates

Exchange rates

as of 20/01/2020 08:43:55

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
1.78270
1.77970
Buying rate
1.73740
1.74040
BNB fixing
1.76074
Cash payment
Non-cash payment
Selling rate
2.31290
2.30990
Buying rate
2.26090
2.26490
BNB fixing
2.29814
Cash payment
Non-cash payment
Selling rate
1.84250
1.83950
Buying rate
1.79320
1.79670
BNB fixing
1.82175
БГ
Overdraft For Microbusiness clients

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.

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 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.

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
  • 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

Send Request

Apply online now and get feedback from an UBB expert.

Send Request

Book a Video Meeting

If you would like a consultancy with our expert regarding information on financial products or services, please follow the link below.

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.

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.

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.