Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



Branches and ATMs

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Call Center


0700 10 000 (Vivacom)

17 21 (A1 and Telenor)


Working hours

Monday - Friday: 8:00 a.m. - 8:00 p.m

Saturday: 9:00 a.m. - 3:00 p.m.

Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


0700 10 000 (Vivacom)

17 21 (A1 and Telenor)

(+359 2) 962 41 02


(+359 2) 962 78 59

0700 10 000 calls for Vivacom subscribers are at the price of local call for people calling from all around the country - the difference between long-distance and local call is covered by Raiffesienbank. 17 21 calls for subscribers of mobile operators A1l and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor depending on customer individual plan.

Business centers for small enterprises

We set up 23 specialized Business Centers in order to be closer to you at any time and to support the successful implementation of your projects.

Find the nearest business center

Micro Business Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


+359 882 894523


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    Guarantee Agreement NGF

    Raiffeisenbank provides credit products for micro-enterprises and persons exercising liberal professions under joint programmes with the National Guarantee Fund (NGF) under the Bulgarian Development Bank.


    • Financing a broad spectrum of activities

      Financing a broad spectrum of activities carried out by local micro-enterprises and persons engaged in liberal professions under alleviated requirements for collateral.

    • Attractive conditions

      Better price terms compared to the standard ones.

    • A facilitated procedure

      A facilitated procedure of application


    The guarantee schemes of the NGF are aimed at financing the business of enterprises under alleviated requirements for collateral and at attractive price terms. For this purpose, the NGF provides a portfolio guarantee for credit risk up to 50% of the loan amount.

    Credit parameters
    Type Investment loans, working capital loans - term loans, overdraft and revolving credits.
    Bank guarantees and credit limits for issuing bank guarantees.
    Period Up to 120 months for investment credits
    Up to 60 months for term working capital loans and guarantees
    Up to 36 months for overdrafts and revolving credits
    Collateral Min. 80% coverage at a market value with a mortgage of immovable property acceptable to the bank and 110% coverage for pledged machines, equipment and vehicles.
    Price conditions

    No fee for consultations under the programme and no fee for review of a credit application. Preferential price conditions depending on the type of credit and the collateral provided.


    Criteria for application

    You can apply under the programme if you are a local legal or natural person practising a liberal profession that is registered under Bulgarian law, operates on the territory of the Republic of Bulgaria and meets the following requirements:

    • You meet the criteria for micro, small and medium-sized enterprises (SMEs) under the SMEs Act at the date of the loan agreement.
    • You are not engaged in activities opposing the environmental, health and safety regulations and the applicable legislation of the Republic of Bulgaria.

    Application procedure

    You are welcome to a Raiffeisenbank bank office that is convenient for you or to the Business Centre Small Enterprises of Raiffeisenbank:

    1. Share with us your plans and wishes to develop your business.
    2. Learn about the possibilities and requirements for your funding.
    3. Our specialists will offer you the most appropriate and workable solutions for your development.
    4. You will receive individual service and attention to the details of your request.
    5. You will get a competitive offer that is tailored to your needs.


    Call Center

    0700 10 000 (Vivacom)
    17 21 (Mtel and Telenor)


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