Guaranteed loans by the National Guarantee Fund

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

Fast and easy access to financing
Lower collateral requirements
More beneficial credit terms

Parameters

Target group	Small and medium-sized enterprises within the meaning of the SME Act
Aim	Investment loans Working capital loans Bank guarantees and Letter of credits
Currency	BGN / EUR
Interest rates	Negotiable
Fees	As per UBB’s Fees and Commissions’ Tariff for Business Clients
Guarantee issuance fee	No fee for issuance of the NGF guarantee
Amount	Negotiable The maximum guarantee coverage is up to BGN 2 000 000 or the equivalent in EUR for the group of related parties
Tenor	Up to 12 years
Grace period	Negotiable
Collateral	Long-term tangible assets and/or current assets, as the assets, subject of the investment and the expected subsidy under the project are mandatory used as collateral The NGF guarantee

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;
Declaration of relatedness with other entities

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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:

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Advantages

Parameters

Required Documents

Send Request

Book a Video Meeting

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates