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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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0700 117 17

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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 29/03/2023 17:00:09

Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
VAT Credit Line

VAT Credit Line

Fulfill your investment projects through VAT financing with a credit line from UBB.


  • Supports the fulfillment of investment projects
  • Long tenor with flexible repayment scheme
  • Reduced collateral requirements upon using a guarantee instrument
  • Option for price discounts


Loan purpose VAT financing for an investment project's purposes
Currency BGN
Minimum amount BGN 10 000
Maximum amount Up to 20% of the value of the investment project, financed by UBB, maximum amount BGN 100 000.
Tenor 12 months

Pledge of receivables on the account, in which the VAT is to be refunded


*Guarantee under the COSME*, EGF** Programme

*This guarantee has been provided by COSME and the European fund for Strategic Investments (EFSI), established by virtue of the Investment Plan for Europe. The aim of EFSI is to support the financing and the applying of productive investments in the European Union, as well as to ensure the growth of access to financing.

** The EGF guarantee programme has been developed to support liquidity and facilitate access to working capital and investment financing of small and medium enterprises in response to the crisis caused by the COVID-19 pandemic. The Programme is being implemented by the European Investment Fund with the financial support ensured through the EGF founding contributions by the member-states. 


Other acceptable collateral

Interest rates Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin
Tariff As per the Bank’s Tariff for Business Clients

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
  • Current financial statements
  • Balance Sheet, Income Statement, report on the average staff number for the last year of the related parties as per the SME Act (in case of COSME guarantee)
  • 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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Get working capital for your company's current needs, based only on invoices and documents for the made delivery, without additional collateral.

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Investment loan

Obtain needed funds to develop your business with a long-term target loan for financing of fixed assets.