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LOAN FOR BUSINESS IN BULGARIA
Financial support programs for business in Bulgaria
There is not always enough money to open a business in Bulgaria. In Bulgaria, small and medium-sized enterprises are quite developed, the state provides loans for their activities, thereby strengthening its financial system.
Many banks provide favorable conditions for lending, and the procedure for obtaining a loan is not complicated. Therefore, obtaining a business loan in Bulgaria is a good option for your business if you are currently unable to secure it in full and need additional financing.
In what cases can you get a business loan in Bulgaria?
- To create a new business
- Obtaining a loan for a business for furnishing
- Investment loan
There are quite a few banks in Bulgaria, about 30, and many of them offer business lending services
- Vivus
- Easycredit
- Profi credit
- SOScredit
- Credit trust
What documents are required to obtain a business loan in Bulgaria?
The documents may differ according to the bank that provides such a loan, but in general it is the following list of documents:
- The identity document, the passport must be translated and legalized by a Bulgarian notary, or if the person does not leave Bulgaria, then such documents are certified in the Bulgarian embassy of the country of your residence
- Application for opening an account
- Documents on the applicant’s income and credit history, legalized in accordance with the bank’s requirements
If a person already has a business and wants to get a bank loan for further activities, the following documents are provided:
- Documents confirming the availability of bank accounts
- Documents from the bank – extract (in which information about income for the last 6 months is indicated)
- Documents on the income of the entrepreneur for the last two tax periods (the tax period in Bulgaria is 1 year, i.e. information for two years)
What loans can be granted?

Business financing up to 7,000 leva – provided for business expansion and improvement, optimization of production costs, stocking of goods, replenishment of the assortment on the site, repair and updating of the site, purchase and replacement of inventory
Current funds for an online store up to BGN 15,000 – repayment period 7 days, contract period 12 weeks, 0% annual interest for the entire contract period, an application fee of 10% of the amount approved for payment, simple application procedure.

Often, when preparing documents and when submitting them to the bank, certain difficulties may arise, and therefore it is necessary to contact a professional who will help prepare all documents, prepare applications, choose possible grants for receiving money and help solve other issues that may arise during obtaining a loan.
Calculate the cost of services
1 question
Are you currently in Ukraine?
2 question
Are you currently in Bulgaria?
3 question
Do you already have a business in Bulgaria and want to get a loan?
4 question
Have you already chosen a bank in which you will take a loan and in which you need legal support when obtaining a loan?
5 question
Is the amount of the loan that you plan to receive more than 500,000 euros?
6 question
Do you need a consultation urgently?
7 question
Do you need a consultation urgently?
Is a corporate account required for a company in Bulgaria?
Yes, an account is an important stage in launching a company. First, an account is opened to deposit the share capital, and after business registration — the main corporate account for operational activities. The bank may verify the ownership structure, source of funds, business model, and future operations of the company.
Is it possible to register a company in Bulgaria remotely?
In many cases, the process can be organized remotely or with minimal personal involvement of the owner. Everything depends on the company structure, bank, identification requirements, signing of documents, and subsequent actions after registration.
What is more difficult: registering a company or opening an account?
For foreign owners, opening a corporate account is often a more sensitive stage than the company registration itself. The bank may check the source of funds, ownership structure, field of activity, counterparties, and countries where the business operates. Therefore, it is important to prepare the company for bank verification even before submitting an application.
What needs to be done after registering a company in Bulgaria?
After registering a business, it is usually necessary to organize a corporate account, accounting support, tax model, VAT or EORI if needed, an electronic signature, contracts with counterparties, and internal corporate documents. These are the exact steps that turn a registered company into a ready-to-work business.
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