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Investment loan

Investment loan

The investment loan is extended for purchases of land and buildings, construction and equipping of enterprises, offices and stores, purchases of machinery, equipment and vehicles (including used ones), acquisition of intangible assets (licenses, patents etc.), building of infrastructure facilities.
Eligible to borrow are legal entities that have a business history of at least 12 months.

  • High maximum amount, depending on the activities envisaged under the project;
  • Extended repayment term of up to 10 years;
  • Competitive interest rate levels;
  • Choice of financing in different currencies;
  • Option to benefit from a grace period;
  • 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 automatic transfer of their remunerations to such accounts them with overdraft option, as well as providing preferences in regard to package services.
  • Currency: BGN, EUR, USD, CHF;
  • Loan amount:
    - minimum investment value – BGN15,000;
    - maximum investment value – BGN 3,000,000 or the equivalent thereof in foreign currency, depending on the borrower’s business plan;
  • Repayment term: up to 120 months;
  • Grace period: depending on the project nature and the commissioning deadline;
  • Repayment mode: in compliance with approved repayment schedule;
  • Client’s co-financing: at least 15% of the project value excluding VAT;
  • Collateral: all types, permitted under applicable legislation. Assets, subject of the investment project are eligible as collateral.

Annual interest rate:


RIR/EURIBOR/LIBOR + a fixed margin as agreed – reflecting the project-related risks and the term of recovery of the investment. Preferential interest rate levels for clients, who have repaid on schedule at least one loan from the Bank.


Fees and commissions: 


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

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