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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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Loans, guaranteed by the Fund of Funds

Loans, guaranteed by the Fund of Funds

A joint programme of UBB and the Fund of Funds Loss-capped Portfolio Guarantee to Overcome the Effects from the COVID-19. The programme targets easier access to loans for Bulgarian small and medium-sized businesses in view of continuation of their activities, including also for covering their liquidity needs and/or for overcoming crisis-related financial difficulties.


  • Fast approval procedure
  • Short terms of granting loans
  • Free-of-charge guarantee by the Fund of Funds
  • Guarantee coverage of 80%

Terms and Conditions

Target Group Small and medium-sized enterprises, as per the SME Act
Applicable State Aid Regime

De minimis

The received de minimis aid, including such relating to a loan under the programme, at borrower level and the persons/entities related to it as per the SME Act, over the last three financial years shall not exceed EUR 200 000 (or EUR 100 000 for enterprises in the road freight forwarding activity sector).

  • Investment loans
  • Working capital loans
  • Overdrafts
  • Revolving credit lines
Currency BGN /EUR
  • For investment loans: up to 84 months
  • For working capital loans and revolving credit lines and overdrafts: Up to 60 months
Guarantee Amount

The maximum amount of the loan at group of related parties level, is:

  • BGN 3 million but not more than 70% of the company's revenues for 2019 or 2020 (higher value) and in compliance with the provisions applicable under the programme minimum / state aid at the level of a group of related parties
Fees As per UBB Fees and Commissions’ Tariff for Business Clients
Fund of Funds Guarantee Coverage percentage 80%
Fund of Funds Guarantee Fee No fee

The Bank provides financing on concessional terms through the support of a guarantee from the Fund of Funds. The funds needed to undertake the guarantee commitment are provided under the Operational Program "Innovation and Competitiveness" 2014 - 2020, co-financed by the European Regional Development Fund, also including REACT-EU.




Required Documents

  • Loan Application and Declaration of Relatedness (as per a sample format of the Bank)
  • Decision by the competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Profit and Loss Account and a Tax Return for the last year
  • Copies of the ID cards of the company’s representative - 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
  • Certificate from the beneficial owner (s) owning / controlling at least 50% of the property that he is a local person for tax purposes (from the NRA)

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