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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

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as of 22/03/2023 17:00:29

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Cash payment
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Selling rate
Buying rate
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Buying rate
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Investment loan for financing under EU Project for freelancers*

Investment loan for financing under EU Project for freelancers*


  • Collateral - the assets, object of financing under the project and the expected subsidy
  • Large funding amounts
  • The limit is being repaid partially or fully with the amount of the received gratuitous financial aid
  • Option to use a VAT credit line
  • Competitive pricing
  • Request an online consultation via the UBB Video Banker service


Borrowers Freelancers - medical specialists; attorneys at law; public notaries; private enforcement agents; architects, designers, engineers; chartered accountants; auditors, who are:
1. Natural persons;
2. Registered as sole proprietors / partnerships.
Loan Purpose For financing of investments, related to the implementation of approved EU projects.
Currency BGN
Maximum amount

BGN 300 000 regarding investment loans for purchasing devices, equipment, machines, transport vehicles

BGN 500 000 regarding investment loans for purchase, construction or repair of a real estate

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

Collateral-related requirements Long-term tangible assets, object of the investment and the anticipated subsidy under the project
Interest 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, current financial statements and a Tax Return of the Borrower 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
  • 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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