Unsecured overdraft for active clients

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

Direct drawdown and repayment under the current account
A greater number of financing opportunities upon using guarantee instruments
Attractive individual pricing terms

Parameters

Borrowers	Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers
Loan purpose	Credit limit to cover current needs
Loan currency	BGN and EUR
Business history	Minimum 18 months of active operation
Loan amount	Up to BGN 200 000 / EUR 100 000
Loan tenor	12 months with an option for renewal up to 36 months 12 months with an option for renewal up to 48 months, with a guarantee instrument
Types of collateral	Unsecured
Other	An option to be included in a guarantee instrument
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 and tenor 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.

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.
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

Number of employees:

Region:

Activity sector:

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Unsecured overdraft for active clients

Advantages

Parameters

Required Documents

Send Request

Package programmes "Business partnership"

UBB Online

Physical POS Terminals

Contact us

Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Unsecured overdraft for active clients

Advantages

Parameters

Required Documents

Send Request

Package programmes "Business partnership"

UBB Online

Physical POS Terminals

UBB Video Banker - live video meeting for business clients

UBB Video Banker gives you the opportunity to make audio and video contact, share and discuss documents and screens, whether you use a smartphone, tablet, laptop or desktop computer.