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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

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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 27/05/2020 17:08:52

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
1.81650
1.81350
Buying rate
1.73450
1.73750
BNB fixing
1.77948
Cash payment
Non-cash payment
Selling rate
2.23998
2.23498
Buying rate
2.11498
2.11898
BNB fixing
2.18297
Cash payment
Non-cash payment
Selling rate
1.87676
1.87176
Buying rate
1.79076
1.79576
BNB fixing
1.83216
БГ
COSME business loans for micro companies

COSME business loans for micro companies

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.

Advantages

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

Parameters

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

Working capital loans – term loans, credit lines, overdrafts

 

Investment loans

 

Bank Guarantees

Maximum amount

BGN 300 000 for working capital loans

 

BGN 300 000 for investment loans, for purchase of machines, equipment, transport vehicles

 

BGN 500 000 for investment loans, for real estate purchase and/or repair

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

Refinancing of present loans

 

Financing of European projects

Repayment period

Working capital loans - from 12 up to 60 months

 

Investment loans for purchase of machines, equipment, transport vehicles – from 12 up to 60 months

 

Investment loans for real estate purchase and/or repair – from 12 up to 180 months

Collateral-related requirements Not more than 70% of the loan at the collateral’s discounted value (without COSME guarantee)

 

Настоящата Гаранция е предоставена от COSME и Европейския фонд за стратегически инвестиции (ЕФСИ), създаден по силата на Плана за инвестиции за Европа. Целта на ЕФСИ е да подпомогне финансирането и прилагането на продуктивни инвестиции в Европейския съюз и да се осигури нарастването на достъпа до финансиране. Програмата е в подкрепа на малки и средни предприятия с персонал до 250 души.

Required Documents

  • Loan Application and Declaration of Relatedness with other entities as per a sample format of the Bank
  • Balance Sheet, Income Statement and a Tax Return of the applicant for the last 2 years
  • Balance Sheet, Income Statement, report on the average staff number for the last year of the related parties as per the SME Act
  • Copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors;
  • Decision of competent authority of the borrower, company co-borrower / collateral owner to conclude the loan agreement
  • Document, ascertaining the collaterals’ ownership

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