Investment loan Business competitor

You want to increase the competitiveness of your business?
You want to improve and enhance the quality of your products?
You want to increase production capacity while reducing production costs?

Loan purpose: For purchasing of machines and equipment

Own participation: min 25% of the contract price without VAT.

Borrowers: Designed for legal entities, sole proprietors, freelancers and private agricultural producers

Currency: BGN; EUR


  •  Minimum amount: 30,000 BGN (the equivalent in foreign currency)
  •  Maximum of 500 000 BGN (the equivalent in foreign currency)

Term: up to 48 months

Grace period: up to 6 months

Interest rate: LEONIA Plus / EURIBOR + allowance, depending on the loan risk

Repayment: Monthly annuity, decreasing principal installments or individual repayment plan, consistent with actual cash flow of the borrower


  • Mortgage, pledge of the equipment that is being financed, insured in favor of the Bank.
  • If the collateral is pledge of deposit, the loan amount should not exceed 95% (of the deposit amount );
  • If necessary, the Bank may require additional collateral or guarantors;

Fees and commissions: According to the Tariff for fees and commissions of BACB AD applicable to legal entities.