Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



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Corporate Banking


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 101


(+359 2) 91 985 140


Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


(+359 2) 962 41 02

Calls to 0700 10 000 are charged according to your tariff plan for calls to 0 700 numbers.

Calls to 1721 are billed as A1-A1 or Yettel-Yettel according to the subscribers own rate plan.



Viktor Spasov, Head of Factoring Department


(+ 359 2) 91 985 774

(+ 359) 886 999 569

Financial Institutions/ Sovereigns Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 423


(+359 2) 943 45 57


Capital Markets Saled Department

Nayden Chernev, Head of Department


(+359 2) 91 985 456



(+ 359 2) 91 985 429

(+ 359 2) 91 985 454



(+359 2) 91 985 490

(+359 2) 91 985 496




Tariff for fees and commissions for Legal entities and Sole traders

Tariff for Banks

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General Conditions and Forms for Legal entities and Sole traders.

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    Pan-European Guarantee Fund in response to Covid-19

    Pan-European Guarantee Fund program is developed in support of small and medium-sized enterprises, including Small Mid-Caps by providing enhanced access to working capital and investment financing in order to overcome the consequences of Covid-19 .

    The transactions benefit from support by the EGF Guarantee Instrument, implemented by the European Investment Fund with the financial backing of the Member States contributing to the EGF.


    • Relaxed collateral requirements.

    • Competitive price terms.

    • Improved possibilities for financing.


    The financing under the Pan-European Guarantee Fund program constitutes state aid granted under either:

    • Commission Decision numbered C (2020) 9237 and based on the terms and conditions set in Sections 3.1 and 3.2 of the Temporary Framework for State aid Measures to Support the Economy in the Current COVID-19 Outbreak or
    • De Minimis Regulations – Commission Regulation (EU) No 1407/2013, Commission Regulation (EU) No 1408/2013 or Commission Regulation (EU) No 717/2014
    Credit parameters
    Amount When subject to the EGF Regime by analogy to Section 3.1 of the Temporary Framework:
    • For Final Recipients active in the primary production of agricultural products – up to 321 400 EUR.
    • For Final Recipients active in the fishery and aquaculture sector – up to 385 700 EUR.
    • For Final Recipients active in other sectors – up to 2 570 000 EUR.

    When subject to the EGF Regime by analogy to Section 3.2 of the Temporary Framework and the thresholds set in it: up to 7 500 000 EUR.

    When subject to De Minimis Regulations:

    • Up to 7 500 000 EUR for SMEs
    • Up to 2 140 000 EUR for Small Mid-Caps
    Provided that the granted De Minimis amount from the current and the previous 2 calendar years, including the De minimis from the current transaction do not cumulatively exceed the thresholds set in the De Minimis Regulations.
    Currency BGN, EUR
    Products guaranteed by the Pan-European Guarantee Fund
    • Working capital limits (Term limits, Revolving loans and Overdraft limits)
    • Investment limits
    • Business transfer
    • Refinancing
    Guarantee coverage 70 %
    Maturity Minimum maturity – 3 months.
    Maximum maturity:
    • 60 months for revolving working capital limits.
    • 120 months for investment limits and term working capital limits (according to the terms of Section 3.1 of the Temporary Framework and the De Minimis Regulations).
    • 72 months for investment limits and term working capital limits (according to the terms of Section 3.2 of the Temporary Framework).
    The Final Recipients must comply with the requirements of the Pan-European Guarantee Fund Program and the requirements of the Bank’s Credit Policy.


    Application procedure

    Micro, Small and Medium-sized enterprises according to the SME law (up to 249 employees) as well as Small Mid-Caps (up to 499 employees) registered and operating on the territory of Bulgaria which comply with the following criteria:

    • The enterprise is not an "undertaking in difficulty"(within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014).
    • The Final Recipient is not subject to collective insolvency proceedings.
    • The Final Recipient is not delinquent (for more than 20 days) or in default in respect of any transaction (in the case of refinancing, including the transaction that is being refinanced) granted by KBC Bank or by another financial institution.
    • The Final Recipient shall not have a substantial focus in one or more restricted Sectors set in the Pan European Guarantee Fund Guarantee Agreement.

    Restricted activities:

    • Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria.
    • Export related activities towards third countries or Member States, namely financing directly linked to the quantities exported, to the establishment and operation of a distribution network or to other current expenditure linked to the export activity (e.g. shipping costs).
    • Cross-border trade in waste and waste products unless compliant with the Basel Convention and the underlying national and EU regulations.
    • Production or use of or trade in hazardous materials such as radioactive materials.
    • Production or trade in pharmaceuticals, pesticides/herbicides, chemicals, ozone depleting substances and other hazardous substances subject to international phase-outs or bans.
    • Production and trade with tobacco.
    • Gambling, casinos and equivalent enterprises or hotels hosting such facilities.
    • Ammunition and weapons, military/police equipment and others.

    Additional advantages

    • Long – term partnership with the EIF under European Programmes financing.

    • Cooperation and support

      From highly-qualified experts with experience in the field of corporate lending and financial services.

    • Relaxed pricing terms under the guarantee program.


    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

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