Unsecured overdraft for active clients

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.

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

Useful documents

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