Working Capital Loan With Equal Installments | UBB

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 tenor
Option for financing without collateral - under certain conditions
A greater number of financing opportunities upon using guarantee instruments
Grace period - up to 3 months
Attractive individual pricing terms

Parameters

Borrowers	Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers
Loan purpose	Loan for financing of current business needs
Currency	BGN и EUR
Business history	Minimum 18 months of active operation
Loan amount without tangible assets collateral	Up to BGN 200 000 / EUR 100 000
Loan amount with tangible assets collateral	Up to BGN 600 000 / EUR 300 000
Loan tenor	Up to 48 months – without collateral Up to 60 months – with collateral: mortgage on a real estate and/or with a pledge of cash funds in an account with UBB
Types of collateral	Unsecured or secured Acceptable collateral: real estates, fixed tangible assets and other acceptable ones according to the Bank's policy for financing micro businesses
Other	Option for using guarantee instruments
Repayment	Equal installments under the principal and the respective interest on the outstanding principal for the period. An option for determining a flexible repayment schedule as well, aligned with the seasonal nature of the business.
Fees	As per the bank’s Fees and Commissions’ Tariff for Business Clients and the loan agreement. For secured loans there are also ancillary expenses related to the insurance and establishment of the collateral - for drawing up of a market appraisal, for establishment of a mortgage/pledge, for issuance of certificates, etc.
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, tenor and collateral under the requested loan as well as the client’s risk profile.

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
Collateral ownership documents, and documents required for the collaterals’ due establishment
Documents related to guarantee agreements.

Print list

Useful documents

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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

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Region:

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Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Working capital loan with equal principal installments

Advantages

Parameters

Required Documents

Send Request

Overdraft For Microbusiness clients

Business Credit Cards MasterCard Business

UBB Online

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Working capital loan with equal principal installments

Advantages

Parameters

Required Documents

Send Request

Overdraft For Microbusiness clients

Business Credit Cards MasterCard Business

UBB Online

UBB Video Banker - live video meeting for business clients

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