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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

For agri producters

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as of 24/09/2021 15:57:34

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Buying rate
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Cash payment
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Buying rate
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Loans, guaranteed by the Bulgarian Development Bank

Loans, guaranteed by the Bulgarian Development Bank

A joint programme between UBB and the Bulgarian Development Bank (BDB) supporting the liquidity of small, medium and large enterprises, adversely affected by the extraordinary situation and the COVID-19 pandemic. The guarantee programme is among the anti-crisis measures, initiated by the Bulgarian government for handling the severe economic constrains amidst the COVID-19 pandemic. 


  • Fast and easy access to financing
  • Alleviated collateral requirements
  • Better interest rates
  • Admissible involvement of existing investment and working capital loans

Terms and Conditions

Target Group

Small, medium and large enterprises adversely impacted, in terms of economic consequences, by the spread of the COVID-19 pandemic, after 31 December 2019 and meeting at least one of the conditions below:

  • Decline in turnover after Q1 of Y2020 y/y.
  • Existence of outstanding receivables from clients, or payables to suppliers, after 01 March 2020.
  • Suspended import deliveries, needed for the company’s activities - after 01 January 2020, canceled export agreements. 
  • Diagnosed or self-isolated staff, total reduction in the workforce, closed production facilities and offices.

Existence of other circumstances, accepted by UBB as evidence for the hardship, faced by a company due to the COVID-19 crisis.

  • Investment loans
  • Working capital loans
Currency BGN/Euro
Interest rate Preferential in contrast to the annual interest, which UBB would otherwise collect under the loan had the latter not been guaranteed under the programme with BDB AD.
Fees As per UBB Fees and Commissions’ Tariff for Business Clients
Guarantee fee Each Borrower will pay an annual guarantee fee, charged by the Bank and due to the BDB AD for the guarantee, provided by the latter.

The maximum amount of the granted financing cannot exceed:

  • for SMEs: BGN 1 000 000 to a Borrower and its related parties, on a Programme level.
  • for Large businesses: BGN 2 000 000 to a Borrower and its related parties, on a Programme level.
Tenor Maximum 6 years but no later than 30.06.2027
Collateral No more than 50% of the value, approved by the Bank
BDB AD Guarantee coverage 80%

Required Documents

  • Decision of the company’s competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Profit and Loss Account and a Tax Return for the last year
  • Collateral ownership documents - copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors
  • Certificate of existence/lack of liabilities, issued by the revenue office under Article 87, Para.6 of the Tax Insurance Procedure Code
  • Declaration of Relatedness with other entities

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