Agri Loan, Collateralized With Subsidies | UBB | United Bulgarian Bank

Exchange rates

as of 24/10/2025 08:20:55

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

1.72600

1.72600

Buying rate

1.63700

1.63700

BNB fixing

1.68432

Cash payment

Non-cash payment

Selling rate

2.30800

2.30800

Buying rate

2.17200

2.17200

BNB fixing

2.24138

Cash payment

Non-cash payment

Selling rate

2.16200

2.16200

Buying rate

2.06300

2.06300

BNB fixing

2.11487

Agri Loan, Collateralized With Subsidies

Agri Loan, Collateralized With Subsidies

UBB offers loans, collateralized with expected subsidies, for agricultural producers, supported under the Single Area Payment Scheme (SAPS), Green Direct Payments (GDP) and other subsidies from State Fund Agriculture.

Advantages

Fast and easy access to working capital financing
Fast procedure for analysis and assessment of the borrower
More beneficial terms and conditions, as compared to standard loans
Convenient ongoing loan repayment, with no need to visit monthly a branch of the Bank
No need to present cost-proving documents upon drawdown
Early loan repayment option without penalty fees

Parameters

Target group	Agricultural producers and/or legal entities and sole proprietors, with agriculture as main scope of activity
Currency	BGN
Interest rates	Negotiable
Fees	As per UBB’s Fees and Commissions’ Tariff for Business Clients
Amount	Up to 95 % of the subsidy amount, as stated in a Certificate from State Fund Agriculture - Payment Agency or up to 100% of the received subsidies for the previous year
Manner of ongoing drawdown/ repayment	Multiple drawdown up to the approved limit – under overdraft terms and conditions
Repayment period	Not later than 30 June of each calendar year, following the year of submitting the application for receipt of subsidies
Manner of full repayment	One-off upon receipt of the funds from the subsidy, which is being paid by State Fund Agriculture - Payment Agency or with own funds
Collateral	Pledge of receivables under the expected subsidies Pledge of cash receivables in accounts

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
Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para 6 of the Tax Insurance Procedure Code;
Document, certifying the producer’s registration with the respective registers of the Ministry of Agriculture and Food.

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Working capital loan and Overdraft

Short-term loans with a fixed period and amount for meeting the current working capital needs of your business

Guaranteed loans by the National Guarantee Fund

Joint programme of UBB and the National Guarantee Fund (NGF) for guaranteeing loans to small and medium-sized enterprises.

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