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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
Overdraft For Microbusiness clients

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.


  • Direct drawdown and repayment on a current account
  • Option for using a specific limit of funds without collateral
  • Discounts in price parameters upon utilization of other services
  • Reduced collateral requirements upon using guarantee instruments


Loan purpose Credit limit to cover current 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 60 months, with review every 12 months
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
Collateral Types



Cash funds


Movable assets


Mortgage on a real estate


Guarantee under the COSME, COSME COVID*, 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.

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

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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.

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.

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.