Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers

Purchase of a real estate, construction, repair works.

Purchase of machines, equipment, transport vehicles, etc.

Up to BGN 200 000 / BGN 100 000 

Up to BGN 600 000/ EUR 300 000

Min. 20%

Financing without tangible assets collateral - up to 72 months

Upon purchase of a real estate, construction and mortgage on a real estate - up to 180 months

Upon purchase and pledge of machines, equipment, transport vehicles - up to 60 months

Up to 6 months

Up to 12 months in cases of construction

Equal installments under the principal and the respective interest on the outstanding principal for the period.

An option for determining a flexible repayment schedule as well, aligned with the seasonal nature of the business.

For loans up to BGN 200 000: No requirement for tangible assets collateral

Acceptable collateral: real estates, fixed tangible assets and other acceptable ones according to the Bank's policy for financing micro businesses.

As per the bank’s Fees and Commissions’ Tariff for Business Clients and the loan agreement.

For secured loans there are also ancillary expenses related to the insurance and establishment of the collateral - for drawing up of a market appraisal, for establishment and entry of a mortgage/pledge, for issuance of certificates, etc.