Implement your professional plans with the business loans for freelancers from UBB Working capital loan for covering your routine business needs, with repayment in equal monthly installments on the principal.
|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 day-to-day business needs |
|Minimum amount||BGN 10 000|
|Maximum amount without tangible collateral||BGN 150 000|
|Maximum amount with mortgage||BGN 300 000|
Up to 36 months - without tangible collateral
Up to 60 months - upon mortgage on a real estate, used as collateral
|Collateral Types||Unsecured |
Guarantee under the COSME, COSME COVID*/EGF** Programme
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||Variable annual interest rate, formed of UBB’s Reference Interest Rate and a fixed margin|
•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, 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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