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




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    This guarantee instrument is structured and implemented within the Operational Programme Innovation and Competitiveness 2014 — 2020 financed as part of the European Union’s response to COVID-19 pandemic with funds under REACT-EU. The purpose of the Programme is to support micro, small and medium-sized enterprises to overcome financial difficulties caused by the COVID-19.


    • No additional collateral requirement.

    • Competitive pricing terms.

    • Increased opportunities for financing.

    • Eased administrative requirements.


    Credit parameters

    The maximum transaction amount is up to 70% of the company’s annual turnover for 2019 or 2020 (depending which is larger) but not more than:

    Up to 5 years – 1 500 000 EUR / 3 000 000 BGN (or 937 500 EUR for freight transport companies);
    Up to 7 years – 937 500 EUR (or 468 750 EUR for freight transport companies)

    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 200 000 EUR (up to 100 000 EUR for companies operating in road freight transport).

    Currency BGN, EUR
    Products guaranteed by Recovery Programme

    New loans provided for:

    • Working capital loans (Term loans for working capital needs, Revolving loans and Overdraft limits).
    • Amortizing loans with up to 12 months grace period for repayment of the principal.
    • Investment limits with up to 12 months grace period for repayment of the principal.
    Guarantee coverage 80 %
    • Minimum maturity: 12 months.
    • Maximum maturity: 84 months.
    The Final Recipients must comply with the requirements of Recovery Programme and the requirements of the Bank’s Credit Policy.
    Inclusion period  31.12.2022


    Application procedure

    Micro, Small and Medium-sized Enterprises (with up to 249 employees) registered and operating on the territory of Bulgaria which comply with at least one of the following criteria:

    • Merchant by the meaning of the Bulgarian Commercial Law with registered office in Bulgaria.
    • Are not an "undertaking in difficulty" as of 31.12.2019 within the meaning of p. 20 and 24 from the Guidelines on State aid for rescuing and restructuring non-financial undertakings in difficulty (OJ C 249, 31.7.2014).
    • The Final Recipient is not subject to collective insolvency proceedings.
    • With at least three completed financial statements, with reported sales revenues, as well as accounting profit for at least one of the last three years.
    • The enterprise has no tax-insurance liabilities under Article 87 of the TPSC, as of the date of the Loan Agreement.
    • The Final Recipient shall not have a substantial focus on one or more restricted Sectors set in First Loss Portfolio Guarantee COVID-19 Agreement.
    • Lack of credit liabilities, expressed in delinquency over 90 days for an amount of over BGN 2,500 to a credit or financial institution as of the approval date for financing. The requirement also applies to the actual owners of the enterprise.
    • The actual owner(s) of the enterprise, controlling at least 50% of its capital, is a local person within the meaning of the definition under Art. 4 of the Personal Income Tax Act.

    Restricted Activities:

    • Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria.
    • Financing of transactions supported by the national budget or the EU budget.
    • Acquisition of trucks, commercial vehicles and heavy goods vehicles by companies performing road freight transport.
    • Financing the purchase of land not built on and land built on when the amount of the respective expense exceeds 10% of the principal of the Loan.
    • Financing of transactions in the sectors, forbidden as per Commission Regulation (EC)1407/2013.

    Additional advantages

    • Long – term experience with European and National guarantee programs.

    • Cooperation and support

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


    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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