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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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Contact us

Contact us

0700 117 17

Domestic line


Short number for mobile users

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+3592 483 1717

International line

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Remote application for credit products
(for subscribers of mobile operators)

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Fees and terms

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BNB fixing
Credit Line

Credit Line

Cover your operational needs of funds, meet your day-to-day business challenges with a credit line from UBB.


  • Cover extraordinary or seasonal expenses in a fast and secure manner
  • Improve your company’s cashflow
  • Use the approved credit limit amounts many times during the agreement period
  • Reduce your interest expenses by paying interest only on the used funds




For VAT credit line - BGN

Interest rates Negotiable
Borrowers Legal entities, agricultural producers, freelancers
Fees As per UBB’s Fees and Commissions’ Tariff for Business Clients
Requirements Cost-proving documents

12 months with an option for revolving up to 5 years

For VAT credit line - up to 8 months

Manners of repayment

Decreasing limits

Bullet payment at maturity

For VAT credit line - by receipt of the VAT refunds


Long-term tangible assets and/or current assets, properties, machines, transport vehicles, receivables or cash funds

Special pledge of receivables in accounts / Pledge under the Financial Collateral Arrangements Act

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, Para 6 of the Tax Insurance Procedure Code;
  • Declaration of relatedness with other entities

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.

FX forward

Conclude an agreement with us, under which you will buy or sell foreign currency at prices agreed now, but with delivery on an agreed future date at the so called forward rate.

Working capital loan and Overdraft

Short-term loans with a fixed period and amount for meeting the current working capital needs of your business

Business Partnership Start package

Consolidate the most frequently used by you banking services, optimize fee costs and transact fully online