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Working capital loan

Working capital loan

Working capital loans are extended to clients of the Bank in support of the current activities of the company and provide for the purchase of raw materials, goods, etc. The loan, depending on the company’s preferences, may be in the form of a loan with repayment instalments and grace period or of a credit line.

Eligible to borrow are legal entities, which have a business history of at least 12 months.

  • Simplified procedure for financing of current needs;
  • Competitive interest rate levels;
  • Preferential interest rate levels for clients, who have repaid on schedule at least one loan from
  • International Asset Bank AD;
  • Option to benefit from a grace period;
  • Disbursement – one-time or in tranches, depending on the company’s needs;
  • No commission for early repayment by own funds;
  • Option for free installation of POS devices at the company’s trading outlets;
  • Free activation of the Internet banking service - Asset Online;
  • Opening of card accounts for the company’s employees, with an automatic transfer of their remunerations and an overdraft option, as well as with preferences in regard to package services.
  • Currency: BGN, EUR, USD, CHF;
  • Loan amount: as agreed;
  • Co-financing: not required;
  • Repayment term: up to 36 months;
  • Grace period: up to 3 months;
  • Repayment mode: 
    - for working capital loans – in monthly repayment instalments of principal and interest and grace period of up to 3 months;
    - for credit lines – by reduction of the credit ceiling (amount for absorption and repayment within the limit authorised) for the last months of the loan repayment schedule;
  • Collateral: all types, permitted under applicable legislation.

Annual interest rate:

The annual interest rate on the loan is floating and is formed from RIR for loans in BGN and 6m. EURIBOR for loans in EUR + a fixed margin as agreed.


Fees and commissions

As specified in Terms and Conditions of Interest Rates, Fees and Commissions Applied to Legal Entities’ Transactions.

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