Credit limit for working capital purposes with automatic utilization and repayment via a current account


  • Ordering transfers and withdrawing money directly from the current account. Repayment is accomplished with each transfer of funds to the current account;
  • Option for using a certain amount of financing without collateral;
  • Mittigated collateral requirements when using guarantee facilities;
  • Option for price discounts upon using other services.

Product Parameters

Loan Purpose:

  • Credit limit for financing the Borrower’s day-to-day business

Currency: BGN

Minimum amount: BGN 10 000

Maximum amount:

  • up to BGN 100 000 for a non-secured loan/up to BGN 500 000 for a secured loan

Loan tenor:

  • Up to 60 months with annual review.


  • Unsecured;
  • COSME Guarantee*;
  • Machines, equipment, vehicles;
  • Mortgage on real estate;
  • 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 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
Back to all offers