Free resource

Free resource

Free resource for on-lending financing through partner banks provided by the German Development Bank KfW


Total amount of funding: EUR 2 623 496.50

Maximum exposure to a bank: up to EUR 1,022,584 (BGN equivalent: BGN 2,000,000); no limit as to the number of loans with partner banks

Interest rate for on-lending financing: negotiable and according to BDB's internal regulations

Target utilization: for subsequent lending to SMEs - clients of the banks.
• Eligible for subsequent financing are: micro, small and medium-sized enterprises with over 50% private participation; maximum exposure to one borrower - up to EUR 51,129;
• Maximum amount for SMEs with up to 50 employees (investment and working capital loans) - EUR 51,129;
• Maximum amount for SMEs with up to 20 employees (working capital loans) - EUR 25,565;
• Loan period: from 2 months to 3 years;
• Other conditions: as approved by the Ministry of Finance;
• Loan agreement with the partner bank and specific agreements reached with BDB.


Free resource for providing credit facilities for operating lease for small and medium-sized enterprises under BDB’s ALL/ 4 / SME Program


Starting budget of the Program: EUR 30,000,000

Target group of funding recipient partners: companies having lease as their main subject of economic activity

Purpose and objectives: providing a long-term credit resource under such conditions that allow greater and more attractive access to the operating lease service in favor of the business of small and medium enterprises in Bulgaria

Maximum loan limit: up to EUR 3,000,000

The Bulgarian Development Bank offers indirect financing by providing credit facilities to leasing companies for the benefit of small and medium-sized enterprises. The starting budget of the ALL/ 4 / SME Program is EUR 30 million. The maximum amount for credit facilities provided to on-lending partners is EUR 3 million.

The maximum repayment period for the credit facilities, including utilization, current and final repayment, is up to 10 years. The interest rate to leasing companies is charged based on a 3-month EURIBOR plus a margin of up to 4 points per year.

See more details about the program here (available only in BG).

For any questions and additional information:
External Programs Division
Phone: 02/93 06 391, 02/9306 364


Free resource under BDB’s Program for indirect financing of farmers who are members of mutual-aid credit cooperatives of private farmers


Starting budget of the Program: up to BGN 15 million

Target group of borrowers: Mutual-aid credit cooperatives of farmers entered as financial institutions in the public register under Article 3a of the Credit Institutions Act.

Purpose and objectives: Providing investment and working capital financing to farmers, members of mutual-aid credit cooperatives for agriculture and/or rural development and/or fisheries and aquaculture and performing related and associated activities.

Maximum loan amount: BGN 1,500,000

Loan period: Up to 5 years, with the possibility of extension in the fourth year for another 5-year period

Interest rate: cost of borrowing funds under the Program: 6M EURIBOR + 3.5% (350 basis points) per year, but not less than 3.5% (350 basis points), calculated on the basis of Actual/360

The Bulgarian Development Bank invites the mutual-aid credit cooperatives of private farmers (Credit Cooperatives) to participate in its Indirect Financing Program.

In implementation of the Program, BNB-registered mutual-aid credit cooperatives of private farmers can apply for a loan from BDB, which they will subsequently have to use for targeted subsequent financing of the business activities of their members – private farmers and agricultural producers under such attractive terms and conditions and low interest rates as determined by BDB.

See more details about the program here (available only in BG)

For any questions and additional information:
External Programs Division
Phone: 02/93 06 391, 02/9306 364

fixed-button-icon Apply fixed-button-icon Online banking
Exchange rates
Interest indices
booster imager

Business Booster