Program for technological modernization of SMEs

Bulgarian Development Bank launched a program of direct loans for micro-, small and medium-sized enterprises that submitted project proposals under the Economic Transformation Program of the National Recovery and Resilience Plan, “Smart Industry” component, “Technological Modernization” procedure. Financing is up to BGN 2,000,000, covering up to 100% of the costs, VAT exclusive.

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Tourism Support Programme to finance SMEs

Bulgarian Development Bank offers working capital loans for companies from the tourism sector – hoteliers and restaurateurs. The funds can be used both to cover current needs and to refinance existing debts. The amount of the loans is up to 20% of the companies' income for 2021, but not less than BGN 100,000. The bank's new program has a limit of BGN 20 million. Thanks to the guarantee that BDB uses under the Pan-European Guarantee Fund, the loans have reduced requirements for collateral – up to 30% (according to the value accepted by the bank) of the amount of loans granted. Hoteliers and restaurateurs can take advantage of a repayment plan tailored to their ability to pay and with reduced...

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Program for financing of multidisciplinary hospitals for active treatment of systemic importance for the regions

Pursuant to Decision No. 568 of the Council of Ministers dated 29.07.2022, BDB offers long-term financing to multidisciplinary hospitals for active treatment that have emergency departments, which are subject to the state’s policy for recovery and development of hospitals (Hospitals of Systemic Importance for the regions – HSI). The program includes investment and/or working capital loans for improvement of the infrastructure and medical equipment in order to increase the scope and quality of the medical services provided. When necessary, hospitals shall implement a “Plan for Restructuring and Financial Stabilization of Cash Flows” approved by the Ministry of Health with introduced target...

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Energy efficiency of SMEs

Investment loan for micro-, small and medium-sized enterprises that have submitted project proposals under the procedure "Recovery of SMEs by improving energy efficiency" to OP "Innovations and Competitiveness" (OPIC) 2014-2020. Borrowers shall carry out their principal economic activities in the processing industry.

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Working capital credit for raw materials

The Bulgarian Development Bank offers small and medium-sized enterprises a new product to overcome the negative effects of the prolonged increase in inflation and rising prices of basic goods and services. The programme provides working capital loans of up to BGN 200 thousand for companies that want to purchase raw materials at current prices and thus prevent higher costs in the future. This will help them to hold down the price of the final product they produce without anticipating a recent increase. The BDB’s programme is open to companies from all sectors. The condition is that they must be viable enterprises, and companies with lower credit ratings are also eligible.

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Energy support

The Bulgarian Development Bank has developed a new product to support businesses with the unexpected increase of electricity prices. The bank provides businesses with the opportunity to defer their electricity costs for four consecutive months of their choice within 2022. They can apply for funding for future payments and unpaid invoices. The amount of funding will be based on the net value (after deduction of state compensation) of invoices for the electricity consumed in the period of January to December 2022, and the bank may cover up to 75% of the value of the relevant invoice. The minimum amount of the target loan is BGN 20,000 and the maximum — BGN 200,000.

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