Working capital loan with fixed principal payments

A working capital loan to cover your routine business needs, with fixed principal payments on a monthly basis.


  • Wide loan purpose range;
  • Long tenor;
  • Option for using a certain amount of financing without collateral;
  • Attractive interest rates, based on market indices;
  • Option for price discounts upon using other services.

Product Parameters

Loan Purpose: A working capital loan for financing the Borrower’s day-to-day business.

Currency: BGN

Minimum amount: BGN 10 000

Maximum amount: BGN 100 000 for a non-secured loan/ BGN 500 000 for a secured loan


  • In case of real estate mortgage – up to 60 months;
  • In case of pledge of machines, equipment, vehicles - up to 24 months;
  • In case of pledge of cash funds – up to 120 months;
  • Without collateral – up to 24 months.

Repayment: Fixed principal payments on a monthly basis.


  • No collateral;
  • COSME guarantee*;
  • Pledge of machines, equipment, vehicles;
  • Real estate mortgage;
  • Cash funds.

* This guarantee has been provided by COSME and the European fund for Strategic Investments (EFSI), established by virtue of 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.

Interest: Interest accrual on loans will be made in accordance with the approved methodology for the Reference Interest Rate (RIR), used by United Bulgarian Bank AD for 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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