Business loan Cash

saved money can work for you

Our Offer

When you have money on deposit but do not want to spend it or to terminate the deposit ... then the saved money can work for you


Business loan Cash is a loan secured by cash - you can use the loan for a period, amount and method of use and repayment of funds at your choice against blocking funds on account in Fibank. This loan is granted at a simplified approval procedure and the lowest expense for you.

Business loan CASH allows you to:

  • receive a loan quickly and easily - without business plan and credit history;
  • no limitation on the amount and term;
  • at most favourable interest rates, fee and commissions.



Loan parameters:

amountwithout limitation
term:without limitation
currency:BGN, EURO, USA
grace period:without limitation
disbursement:
  • as one-off lump sum
  • at tranches
  • at overdraft regime
repayment:
  • equal monthly installments
  • equal installments on principal
  • overdraft
  • open repayment schedule
annual interest rate:3 points above the interest on the blocked funds
application fee:40 BGN
origination fee:1% single fee
management fee:0.5% on the outstanding principal amount or the overdraft amount after the expiry of the first year
early repayment fee:no fee
commitment fee:
  • no fee for loan at installments
  • 1% per annum on the undrawn amount under overdraft
renegotiation fee:no fee
renegotiation review fee:20 BGN
collateral:Pledge of funds. The ratio of the amount of collateral against the loan amount is:
  • Upon repayment in equal monthly installments:
    • at same currency as the currency of the loan and collateral - 102%
    • at currency which is different from the currency of the loan and collateral - 125%
  • Upon open repayment schedule and equal installments on principal and overdraft:
    • at the same currency as the currency of the loan and collateral - 110%
    • at currency which is different from the currency of the loan and collateral - 125%
Application


І. Application Procedure

In order Fibank to grant you a loan, the loan specialists of the Bank shall prepare an individual offer, tailored to the specific needs, the loan history and the principle of operation of your company.

It will be our pleasure to help you find the optimal solution for your business needs.

To place a loan request, you may choose to contact the loan specialists of the Bank in one of the following ways:

  • For Sofia: phone.: (+359 2) 800 2915; (+359 2) 942 6601; (+359 2) 800 2876; (+359 2) 800 2027;
  • For the country: ask for the loan specialists at the Bank branches in the country;
  • Make an e-mail request at: sme@fibank.bg.

ІІ. Necessary documents:

  • Loan application (using the template, provided by Fibank);
  • Related party declaration and legal entity beneficial owner declaration (using the template, provided by Fibank);
  • Declaration of marital and property status (using the template, provided by Fibank);
  • Financial statements;
  • Certificate issued by SFA for the size of the areas, declared in the general application, eligible for financial support;
  • Copy of the Borrower’s registration as an agricultural producer;
  • Certificate issued by the Revenue authority denying or confirming the existence of obligations (under Article 87, paragraph 6 of the Tax and Social Insurance Procedure Code);
  • Bank statement of current accounts;
  • Certificate denying/confirming the existence of enforcement proceedings;
  • Certificate denying/confirming the existence of insolvency proceedings;
  • Other documents that may be requested at the discretion of the Bank.