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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

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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 21/01/2022 17:45:07

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
1.76420
1.76120
Buying rate
1.68220
1.68520
BNB fixing
1.72350
Cash payment
Non-cash payment
Selling rate
2.39990
2.39490
Buying rate
2.27490
2.27890
BNB fixing
2.33859
Cash payment
Non-cash payment
Selling rate
1.93390
1.92890
Buying rate
1.84790
1.85290
BNB fixing
1.88914
БГ
Loans, guaranteed by the Bulgarian Development Bank

Loans, guaranteed by the Bulgarian Development Bank

A joint programme between UBB and the Bulgarian Development Bank (BDB) supporting the liquidity of small, medium and large enterprises, adversely affected by the extraordinary situation and the COVID-19 pandemic. The guarantee programme is among the anti-crisis measures, initiated by the Bulgarian government for handling the severe economic constrains amidst the COVID-19 pandemic. 

Advantages

  • Fast approval procedure
  • Short deadlines for loan disbursement 
  • Guarantee coverage of 80%
  • Alleviated collateral requirements

Terms and Conditions

Target Group

 

  • Small and medium-sized enterprises, as per the SME Act
  • Small midcaps with up to 499 employees (incl.) and up to EUR 100 million asset value (incl.) or up to EUR 86 million sales income (incl.).
Purpose
  • Investment loans
  • Working capital loans
  • Overdrafts
  • Revolving credit lines
Currency BGN/Euro
Amount The maximum amount of the loan at a group of related parties level, is BGN 3 million.
Fees As per UBB Fees and Commissions’ Tariff for Business Clients
Guarantee fee Each Borrower pays a guarantee fee charged by the UBB and due to the BDB ЕAD for the guarantee provided by the latter.
Tenor
  • Maximum 72 months for investment loans
  • Maximum 60 months for revolving loans
  • 36 months for the working capital loans with a repayment schedule
Not later than 30.06.2028
Percentage of coverage of the BDB guarantee 80%

Required Documents

  • Loan Application and Declaration of Relatedness (as per a sample form of the Bank)
  • Decision by the competent body for obtaining a loan and providing the related collateral
  • Balance Sheet, Profit and Loss Account and a Tax Return for the last fiscal year
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors
  • Certificate of existence/lack of liabilities issued by the revenue office under Article 87, para.6 of the Tax Insurance Procedure Code
  • Declaration of Relatedness with other entities

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