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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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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 06/07/2020 17:00:19

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
1.77075
1.76775
Buying rate
1.68875
1.69175
BNB fixing
1.72700
Cash payment
Non-cash payment
Selling rate
2.22267
2.21767
Buying rate
2.09767
2.10167
BNB fixing
2.16102
Cash payment
Non-cash payment
Selling rate
1.87900
1.87400
Buying rate
1.79300
1.79800
BNB fixing
1.83784
БГ
Loans to micro enterprises, guaranteed by the NGF (for financing of european projects)

Loans to micro enterprises, guaranteed by the NGF (for financing of european projects)

Joint programme of UBB and NGF for guaranteeing loans to small and medium-sized enterprises

Advantages

  • Predictability - fast and easy access to financing
  • Flexibility - alleviated collateral requirements
  • Convenience - more beneficial credit terms

Parameters

Purpose

Financing of European projects:

- Investment loans
- VAT credit line
- Bank guarantees

Currency BGN
Maximum amount BGN 300 000  as regards investment loans for purchase of machinery, equipment, transportation vehicles

BGN 500 000 as regards investment loans for purchase and/or repair of real estates

BGN 300 000 for bank guarantees

BGN 100 000 for VAT credit line
Guarantee Coverage 50% of the loan amount
Guarantee Fee No fee for guarantee issuance
Repayment term

Investment loans for purchase of machinery, equipment, transportation vehicles – from 12 up to 60 months

Investment loans for purchase and/or repair of real estates - from 12 up to 180 months

Loans for bank guarantees – from 12 up to 60 months

VAT credit line - 12 months

Collateral-related requirements

Long-term tangible assets, subject of the investment, as well as the anticipated subsidy under the project

Minimum 80% of the loan at market value for investment loans

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

 

Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
  • Balance Sheet, Income Statement and a Tax Return of the Borrower 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 the competent body of the company – in the latter capacity as borrower, co-debtor and owner of the collateral, for conclusion of the Loan Agreement
  • Collateral ownership documents
  • 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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