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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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COSME and NGF combined guarantee for business loans and micro enterprises

COSME and NGF combined guarantee for business loans and micro enterprises

UBB offers loans under relaxed terms and conditions with regard to the collateral thanks to combining two guarantee instruments: COSME* and NGF**


  • Predictability - fast and easy access to financing
  • Flexibility - alleviated collateral requirements
  • Convenience - larger opportunities for financing




Working capital loans – term loans, overdrafts, VAT credit line

Investment loan for purchasing transportation vehicles

Bank guarantees

Currency Bulgarian leva (BGN)
Maximum amount BGN 300 000 for working capital loans, bank guarantees

BGN 300 000 as regards investment loans for purchase of transportation vehicles
Guarantee Coverage 80% of the loan amount
Guarantee Fee No fee for guarantee issuance
Inadmissible loans

Refinancing of present loans

Financing of European projects

Repayment term

Working capital loans, bank guarantees – from 12 up to 60 months

Investment loans for purchase of transportation vehicles – from 12 up to 60 months

Collateral-related requirements Not more than 70% of the loan at the collateral’s discounted value  
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



*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 Programme is in support of small and medium-sized enterprises with staff number up to 250 employees.


** Joint programme of UBB and NGF for guaranteeing loans to small and medium-sized enterprises 

Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
  • Declaration Statement under COSME
  • Balance Sheet, Income Statement and a Tax Return of the Borrower for the last 2 years
  • 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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