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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

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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as of 27/05/2020 17:08:52

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
COSME Business Loans

COSME Business Loans

UBB offers loans under alleviated collateral conditions thanks to the COSME guarantee instrument - European Programme for Competitiveness of Small and Medium-sized Enterprises, managed by the European Investment Fund with the financial support of the European Commission.


  • Free-of-charge COSME guarantee
  • Alleviated collateral requirements
  • Preferential interest rates
  • Larger opportunities for financing
  • Long-term experience of UBB in handling EU programmes


Borrowers Micro, small and medium-sized enterprises, as per the SME Act

Working capital loans – term loans, credit lines, overdrafts

Investment loans

Bank Guarantees

Maximum amount

EUR 3 000 000 for loans with a period up to 60 months

EUR 1 500 000 for loans with a period up to 120 months

If the borrower’s industry is freight transport:

EUR 1 500 000 for loans with a period of 60 months

EUR 750 000 for loans with a period up to 120 months

Currency BGN / EUR
Guarantee coverage 50% of the loan amount
Guarantee fee No fee
Inadmissible loans

Refinancing of present loans

Financing of European projects

Repayment period From 12 up to 120 months
Collateral-related requirements Not more than 70% of the loan at the collateral’s discounted value (without COSME guarantee)

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.

Required Documents

  • Decision of the company’s competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Income Statement and a Tax Return for the last year
  • Collateral ownership documents - copies of the ID cards of the company’s representatives - borrower/co-debtor/pledgors/mortgagors;
  • Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para6 of the Tax Insurance Procedure Code;
  • Declaration of relatedness with other entities as per sample format

Send Request

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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.

Business Loans Under The InnovFin Programme

InnovFin business loans are preferential financing for innovative micro, small and medium-sized companies (up to 499 employees) through a guarantee scheme.

Standard Investment Loan

The standard investment loan is a long-term funding for making your investment intentions come true. This loan may be used for financing your corporate projects.

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.