UBB offers loans under relaxed terms and conditions with regard to the collateral thanks to combining two guarantee instruments: COSME* and NGF**
Working capital loans – term loans, overdrafts, VAT credit line
Investment loan for purchasing transportation vehicles
|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
|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
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