Unsecured overdraft for active clients

Exchange rates

as of 09/01/2025 12:34:28

Cash payment

Non-cash payment

Selling rate

1.96100

1.96000

Buying rate

1.94800

1.94900

BNB fixing

1.95583

Cash payment

Non-cash payment

Selling rate

1.93800

1.93500

Buying rate

1.85400

1.85600

BNB fixing

1.89794

Cash payment

Non-cash payment

Selling rate

2.39900

2.39400

Buying rate

2.27400

2.27800

BNB fixing

2.33370

Cash payment

Non-cash payment

Selling rate

2.12400

2.12200

Buying rate

2.03000

2.03200

BNB fixing

2.08133

Advantages

Direct drawdown and repayment under the current account
A greater number of financing opportunities upon using guarantee instruments
Attractive individual pricing terms

Parameters

Borrowers	Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers
Loan purpose	Credit limit to cover current needs
Loan currency	BGN and EUR
Business history	Minimum 18 months of active operation
Loan amount	Up to BGN 200 000 / EUR 100 000
Loan tenor	12 months with an option for renewal up to 36 months 12 months with an option for renewal up to 48 months, with a guarantee instrument
Types of collateral	Unsecured
Other	An option to be included in a guarantee instrument
Interest rates	Variable annual interest rate, formed from the short-term interest rate based on BNB’s statistics (for loans in Bulgarian leva), or, respectively 1-month EURIBOR (for loans in euro) and a fixed margin, determined individually depending on the amount, currency and tenor under the requested loan as well as the client’s risk profile.
Fees	As per the bank’s Fees and Commissions’ Tariff for Business Clients and the loan agreement.

Required Documents

Loan and credit card application for small enterprises.
Balance Sheet, Income Statement and a Tax Return of the Borrower for the last one or two closed financial years, as at the application date.
Copies of the ID cards of: the representative of the company - borrower; a co-debtor; collateral providers.
Decision of the competent body of the company – in the latter’s capacity as borrower/co-debtor/owner of the collateral, for conclusion of the Loan Agreement and establishment of the collaterals.
Documents related to guarantee agreements

Print list

Useful documents

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For companies with annual turnover up to 2 mln BGN

For companies with annual turnover above 1 mln BGN

For agri producters

For freelancers with annual turnover below 1 mln BGN

Number of employees:

Region:

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Fees and terms

Exchange rates