Working Capital Loan Business effect

You have an opportunity to purchase materials and goods in quantities bigger than forecasted but you don't have enough liquidity?
You need additional funds to cover extra costs incurred?
Your business is seasonal but you want to ensure smooth operation of your business throughout the year?

Loan purpose: To cover the increased needs for working capital.

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 750 000 BGN (the equivalent in foreign currency)

Term: up to 60 months

Grace period: up to 3 months

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

Repayment: With monthly annuity or equal principal installments.


  • Mortgage on real estate, including the right of construction and / or land, 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.