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Business Loans under the SME Initiative

Support for the development of Small Business clients with reduced collateral requirements and lower interest rates 

Do You want to benefit from loans for investments and working capital that can be invested in projects to expand Your activity or to implement innovative ideas and improve Your business?

The loan under the SME Initiative is the right solution for You.

  • Provide support for innovative activities and initiatives;
  • Preferential interest conditions;
  • Easier access to finance;
  • Reduced collateral requirements;
  • No additional fee for the provided guarantee.

 

The SME Transactions benefit from support from the European Union pursuant to the Operational Programme SME Initiative 2014-2020 with funding by the European union under the ERDF and Horizon 2020 and by the European Investment Fund and the European Investment Bank.

 

Types of loans:
  • Investment loans
  • Working capital loans (incl. revolving lines and overdrafts)
Currency:


BGN or EUR

Amount: From EUR 25 000 (or BGN equivalence)
Loan  maturity:

From 24 to 48 months for working capital loans and from 24 to 120 months for investment loans

Collateral:
  • Eased collateral requirements
  • Guarantee covering 60% of the loan amount, complementing the collateral provided

 

The SME Transactions benefit from support from the European Union pursuant to the Operational Programme SME Initiative 2014-2020 with funding by the European union under the ERDF and Horizon 2020 and by the European Investment Fund and the European Investment Bank.

  • Loans can be granted to business clients with net annual sales income up to BGN 3 000 000, registered and operating on the territory of Republic of Bulgaria.
  • The SME initiative is suitable for companies that plan to enlarge their business activity and invest in their production or new products and services.

Financing under the SME Initiative cannot be used for financing certain business activities or costs. List of the main exceptions can be found here.

The SME Transactions benefit from support from the European Union pursuant to the Operational Programme SME Initiative 2014-2020 with funding by the European union under the ERDF and Horizon 2020 and by the European Investment Fund and the European Investment Bank.