Standard Investment Loan

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

Long repayment period – up to 120 months
Flexible terms and conditions – various repayment options, tailored to your business
Fast access to funds for corporate plans’ implementation

Parameters

Currency	BGN, EUR, USD
Interest rates	Negotiable, as per the risk assessment
Borrowers	Local and foreign companies, agricultural producers, freelancers, public financial institutions
Aim	Purchasing of long-term assets, enterprises or separate parts of those, construction, extension and restructuring etc.
Fees	As per UBB’s Fees and Commissions’ Tariff for Business Clients
Requirements	Self-participation of the borrower with minimum 20% of the total expenses under the project Cost-proving documents In certain cases a business plan and financial projections for the loan period, business objectives’ rationale etc.
Tenor	Up to 10 years
Grace period	Negotiable
Collateral	Long-term tangible assets and/or current assets, properties, receivables, cash funds Special pledge of receivables in accounts / Pledge under the Financial Collateral Arrangements Act

Required Documents

Decision of 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 representatives - 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;

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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:

Activity sector:

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Fees and terms

Exchange rates

Advantages

Parameters

Required Documents

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Factoring

Property insurance

Business Credit Cards MasterCard Business

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Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates