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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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Mini Agri Loan

Mini Agri Loan

Financing in the form of investment loans and/or overdrafts under a fast approval procedure, intended for agricultural producers and stock breeders with minimum experience of 2 years and cultivated areas exceeding 300 decares


  • Fast approval procedure
  • Preferential interest rates
  • Larger opportunities for financing


  • Legal entities and natural persons, registered as agricultural producers and stock breeders with annual turnover up to BGN 1 million.
  • Experience in agriculture - minimum two years
  • Cultivated areas - more than 300 decares
  • Working capital loan in overdraft mode
  • Investment loan, intended for:
    - purchase of arable land
    - purchase of machinery and equipment
    - construction and assembly works, related to the   activity
Currency BGN/EUR
Interest rate Negotiable
Fees As per UBB’s Fees and Commissions’ Tariff for Business Clients
Minimum amount BGN 10 000
Maximum amount BGN 500 000 in total for working capital and investment loans (as in this case for working capital needs not more than BGN 200 000)
Repayment term
  • Overdraft - minimum 12 months, maximum 60 months
  • Investment loan:
    - for purchase of a real estate (arable land), construction and assembly works - up to 120 months
    - for purchase of movable assets - up 60 months
Collateral-related requirements
  • Long-term tangible assets and/or current assets, properties, receivables
  • Special pledge of receivables in accounts / Pledge under the Financial Collateral Arrangements Act


Needed Documents

  • Balance Sheet, Income Statement and a Tax Return for the last year
  • Document, certifying the producer’s registration with the respective registers of the Ministry of Agriculture and Food
  • Collateral ownership documents - 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

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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.

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.