InvestEU Guarantee Programme - SME Competitiveness

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

Free-of-charge InvestEU guarantee
Alleviated collateral requirements
Preferential interest terms
Large opportunities for funding
Long-term experience of UBB in the work under European programmes

Parameters

Borrowers	Micro, small and medium-sized enterprises, as per the SME Act
Purpose	Working capital loans – overdrafts, revolving credit lines, working capital loans in installments, VAT credit lines Investment loans Bank Guarantees
Maximum amount	EUR 7 500 000 or its equivalence in Bulgarian leva (BGN)
Currency	EUR/BGN
Guarantee coverage	80% of the loan
Guarantee fee	Free-of-charge, covered by UBB
Eligibility for lending	UBB will perform an assessment of the customer and of the purpose of funding in terms of eligibility
Repayment term	Investment loans - up to 144 months Working capital loans – up to 48 months
Collateral-related requirements	Not more than 50% of the loan as per a value, accepted by UBB (excl. the InvestEU guarantee)

The InvestEU Programme -SME Competitiveness is being supported by the European Union in partnership with the European Investment Fund through the InvestEU programme.

Needed Documents

Decision by the company’s competent body for obtaining a loan and providing collateral for it
Balance Sheet, Income Statement 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 for availability /lack of arrears, issued by the revenue authority as per Art 87, Para 6 of the Tax Insurance Procedure Code
Declaration Statement of relatedness with other entities according to a sample format

Print list

Send Request

Apply online now and get feedback from an UBB expert.

Send Request

Book a Video Meeting

If you would like a consultancy with our expert regarding information on financial products or services, please follow the link below.

Book a Video Meeting

Choose segment

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:

Activity sector:

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates