Investment loan for implementation of EU projects

Exchange rates

as of 11/12/2024 17:00:13

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

1.90300

1.90000

Buying rate

1.81900

1.82100

BNB fixing

1.86145

Cash payment

Non-cash payment

Selling rate

2.43900

2.43400

Buying rate

2.31400

2.31800

BNB fixing

2.37191

Cash payment

Non-cash payment

Selling rate

2.15000

2.14800

Buying rate

2.05600

2.05800

BNB fixing

2.10758

Advantages

High percentage of financing
Alleviated collateral conditions
Attractive individual pricing terms

Parameters

Borrowers	Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers
Loan purpose	Financing of investments related to the implementation of projects approved under Operational Programmes of the European Union
Loan currency	BGN and EUR
Business history	Minimum 18 months of active operation
Amount	Up to BGN 850 000 / EUR 425 000
Amount of financing	Up to 100% of the approved amount of costs under the project
Loan tenor	Upon purchase of agricultural equipment, construction of a photovoltaic power plant and mortgage on a real estate - up to 120 months Upon purchase of buses, trucks, construction equipment and mortgage on a real estate - up to 84 months Upon purchase and pledge of machines, equipment, transport vehicles - up to 60 months
Grace period	Up to 12 months
Repayment	Equal installments under the principal and the respective interest on the outstanding principal for the period. The limit shall be repaid partially or fully with the amount of the received gratuitous financial aid
Collateral	The assets subject of financing under the project; business and private real estates, as well as any other type of assets acceptable to the bank
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.
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 and entry of a mortgage/pledge, for issuance of certificates, etc.

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 their due establishment.

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

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