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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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Fees and terms

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Exchange rates

as of 30/03/2023 08:33:49

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
Working capital loan in installments for freelancers*

Working capital loan in installments for freelancers*

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.


  • Option for using a certain limit without collateral
  • Fast approval procedure
  • No need to present cost-proving documents upon drawdown
  • Option for debt management and improvement of your creditworthiness through an agreed repayment schedule
  • Long repayment period
  • 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 day-to-day business needs
For refinancing
Currency BGN 
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

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, 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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