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Asset Europroject

Asset Europroject

The loan product Asset Europroject is provided as a credit limit (framework agreement) for financing of investment projects of beneficiaries under contracts signed within the EU programmes of the current funding period 2014-2020.


Asset Europroject covers:

  •  Financing the implementation of an investment project;
  • Working capital related to the preparation and implementation of projects indicated above (e.g. consultancy, preparation of technical projects and documentation, appraisals, marketing studies, VAT, etc.).
  • Bank guarantee for advance payment of financial assistance in the implementation of the investment project.


The product is suitable for large and complex projects including construction activities, purchase of land, purchase of machinery, equipment, facilities and other activities which are eligible under the current European programmes.

  • A type of framework agreement covering the whole cycle of activities and payments in projects under the European programmes;
  • No maximum amount of the loan;
  • Competitive interest rate levels;
  • Preferential conditions for issuance of an advance payment letter of guarantee;
  • No commission for early repayment using own funds/received funding amount;
  • Preferential conditions for mandatory insurance policies within the project.
  • Currency: BGN, EUR;
  • Loan amount: depending on the size of the project activities and the costs of project preparation;
  • Repayment term: by agreement, depending on the duration of the project activities and the need for working capital;
  • Grace period: up to 12 months;
  • Repayment plan: by agreement, in compliance with the approved repayment schedule;
  • Client’s co-financing: at least 10% of the value of theassets/activities in the investment project;
  • Collateral:

    - Pledge over the grant under the respective European Union programme, whereby after receipt the respective proportion of the loan principal or the loan in its entirety shall be repaid;

    - Special pledge of the newly purchased machinery, installations, equipment and transport vehicles.

    - Mortgage on a real estate property when construction activities will be performed;

    - Mortgage under The law on financial collateral arrangements when the borrower is a legal entity.

    - Enlisting a co-borrower – legal entity when the borrower is a newly established company.


  •  Bonus:

           Preferential conditions for mandatory insurances of the project with insurance company "Asset Insurance" AD.

 Annual interest rate levels under loans for financing of an investment project:





Interest rate

min. 4,95%

 min. 4,75%


Annual interest rate levels under loans for working capital related to the preparation and implementation of an investment project:




Interest rate

min. 5,15%

min. 4,95% 


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


Fees and commissions:

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