A working capital loan to cover your day-to-day business needs, with equal principal payments on a monthly basis.
|Loan purpose||Loan for financing of current business needs|
|Minimum amount||BGN 10 000|
|Maximum amount without collateral||BGN 100 000|
|Maximum amount with collateral||BGN 500 000|
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|| |
Guarantee under the COSME, COSME COVID*, EGF**
Machines, equipment, vehicles
Mortgage on a real estate
|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.
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UBB offers loans under alleviated collateral conditions thanks to the COSME guarantee instrument - European Programme for Competitiveness of Small and Medium-sized Enterprises.
Meet the current needs of your business in a secure and flexible manner, with automatic drawdown and repayment on a current account.