POS Overdraft

Short-term loan for working capital purposes without collateral, with automatic utilization and repayment via a current account, intended for merchants using POS terminals.


  • Flexible opportunity for covering any need of working capital;
  • Opportunity for multiple extension of the deadline;
  • No collateral;
  • No fees for administration and drawdown of funds;
  • No requirement for limit repayment prior to deadline's extension;
  • Option for price discounts upon using other services.

Product Parameters

Loan purpose: Short-term overdraft for day-to-day needs.

Currency: BGN

Minimum amount: BGN 1 000

Maximum amount: BGN 5 000.

Period: 12 months with an option for multiple extension of the deadline.

Interest: Loans shall be accrued with an interest rate pursuant to the established methodology for the Reference Interest Rate (RIR), used by United Bulgarian Bank AD when determining the variable interest rate on loans to Micro business clients.

Fees and commissions: As per the bank’s Tariff for Business Clients.

Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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