Choose segment

segment icon segment icon blue

For companies with annual turnover up to 1 mln BGN

segment icon segment icon blue

For companies with annual turnover above 1 mln BGN

segment icon segment icon blue

For agri producters

segment icon segment icon

For freelancers with annual turnover below 1 mln BGN

Number of employees:

Region:

-------------------------Selected:

Activity sector:

KBC logo
arrow
contacts icon contacts icon

Contact us

Contact us

phone
0700 117 17

Domestic line

mobile
*7171

Short number for mobile users

international phone
+3592 483 1717

International line

mobile icon
*6777

Remote application for credit products
(for subscribers of mobile operators)

mail icon
Send Inquiry

Send your inquiry via our contact form

locations widget icon locations widget icon

Offices and ATMs

Offices and ATMs

Choose the most convenient office or ATM for you

Online/Mobile Online/Mobile

Online/Mobile

Online/Mobile

tariffs widget icon tariffs widget icon

Fees and terms

rates widget icon rates widget icon

Exchange rates

Exchange rates

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

Cash payment
Non-cash payment
Selling rate
1.96100
1.96000
Buying rate
1.94800
1.94900
BNB fixing
1.95583
Cash payment
Non-cash payment
Selling rate
1.84400
1.84100
Buying rate
1.76000
1.76200
BNB fixing
1.80311
Cash payment
Non-cash payment
Selling rate
2.28600
2.28100
Buying rate
2.16100
2.16500
BNB fixing
2.22284
Cash payment
Non-cash payment
Selling rate
2.00100
1.99900
Buying rate
1.90700
1.90900
BNB fixing
1.96113
БГ
Working Capital Loan With Equal Installments

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.

Advantages

  • Wide loan purpose range
  • Long tenor
  • Option for financing without collateral
  • Grace period from 3 up to 6 months
  • Discounts in price parameters upon utilization of other services

Parameters

Loan purpose Loan for financing of current business needs
Currency BGN
Minimum amount  BGN 10 000
Maximum amount without collateral BGN 100 000
Maximum amount with collateral BGN 500 000
Tenor

Up to 24 months - without collateral

 

Up to 36 months - upon guarantee instruments, movable property, used as collateral

 

Up to 60 months - upon mortgage on a real estate, used as collateral

 

Up to 60 months - upon cash funds in an account with UBB, used as collateral

Collateral Types

Unsecured

 

Guarantee under the COSME, COSME COVID*, EGF**

  

Machines, equipment, vehicles

 

Mortgage on a real estate

 

Cash funds

Repayment In equal principal payments, on a monthly basis
Fees As per the Bank's Tariff for Business Clients
Interest rates Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin

 

*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.

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

Send Request

Apply online now and get feedback from an UBB expert.

Send Request

Book a Video Meeting

If you would like a consultancy with our expert regarding information on financial products or services, please follow the link below.

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.

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.

Business Credit Cards MasterCard Business

With the business credit cards MasterCard Business and MasterCard Business World from UBB, you have reliable and convenient access to funds.