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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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Selling rate
Buying rate
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Cash payment
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Buying rate
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Overdraft for freelancers*

Overdraft for freelancers*

Implement your professional plans with the business loans for freelancers from UBB. With an overdraft from UBB you obtain funds for the day-to-day needs of your business, with automatic drawdown and repayment on a current account.


  • Option for using a certain limit without collateral
  • Fast approval procedure
  • Direct drawdown and repayment on a current account
  • No need to present cost-proving documents upon drawdown 
  • Competitive pricing
  • Alleviated collateral requirements upon using guarantee instruments
  • 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 needs
For refinancing
Currency BGN 
Minimum amount BGN 10 000
Maximum amount without tangible collateral BGN 150 000
Maximum amount with collateral With a mortgage - up to BGN 300 000
Tenor Up to 60 months, with review every 12 months
With EGF guarantee - up to 36 months, with review every 12 months
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
Collateral Types Unsecured
Guarantee under the COSME, COSME COVID* Programme, EGF** Programme
Mortgage on a real estate


Required Documents

  • Loan Application and a Declaration of Relatedness with other entities, as per a sample format of the Bank
  • Declaration Statement under COSME* /  Declaration EGF**
  • 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

*This guarantee has been provided by COSME and the European Fund for Strategic Investments (EFSI), set up under 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 EGF guarantee programme has been developed to support liquidity and facilitate access to working capital and investment financing of small and medium enterprises in response to the crisis, caused by the COVID-19 pandemic. The Programme is being implemented by the European Investment Fund with the financial support, ensured through the EGF founding contributions by the member-states.

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