Customer Satisfaction feedback
What kind of a campaign is this?
You chose UniCredit Bulbank or UniCredit Leasing as your financial partner and we will be happy to receive your feedback. Expect to hear from us - via short phone call or e-mail.
Give us FOOD FOR THOUGHT! - Take 3 minutes to share your suggestions, ideas and recommendations with us and expect to see them implemented.
How can I participate?
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If you have signed a contract or conducted negotiations with bank experts in the last 30 days.
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Take 3 minutes to answer a few questions that we will ask you during a short phone call or by e-mail.
Terms and conditions for participation in the campaign
To be a corporate client of UniCredit Bulbank*.
To have signed a contract or conducted negotiations for a contract with the bank and its related companies in the last 30 days, for:
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Credit and other bank products and services
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UniCredit Leasing products
* Corporate clients are legal entities - Bulgarian or foreign companies or companies, registered in Bulgaria, which have more than 50% foreign participation in the ownership, have an annual turnover of more than MBGN 2 and conduct economic activities in Bulgaria.
Revolving Loan for Working Capital
Advantages
- Flexibility of payments You have additional working capital that you can use at your convenience.
- Speed and accessibility You can use the electronic channel to order payments to your counterparts without leaving the office.
- Opportunity to plan payments having a predetermined repayment schedule Wide range of the purpose of the loan
- Opportunity for repeated extension of the loan agreement Presented after analyzing the credit risk of the client.
Whom is it for?
Local and foreign companies, public and financial institutions that have a need for working capital.
This type of loan is suitable for financing operations and activities that are with cyclical character and periodically recurring payments or to off-set unfavorable for the borrower mismatches between the receivables collection period and the account payables period.
Requirements for Granting the Loan
When funding contracts you are required to present cost-proving documents.
This requirement do not apply to general purpose loans.
Term
The term of financing is up to 36 months. The borrower is in a position to utilize repeatedly the maximum agreed credit limit within a certain loan utilization period. The utilization might be done once or in tranches depending on the parameters of the deal.
Collateral
The loan may be secured by assets of the borrower or of third parties, established in favour of the Bank as per the procedure and in the form established by law. The collateral may include one or mixture of the following assets:
- Real Estate
- Intangible assets
- Financial assets
- Securities
- Mutual Funds
- Receivables from third parties
- Others
Market appraisal and insurance of collaterals are required.
Market Appraisal: List of eligible external evaluators of loan collateral.
Insurance: To receive an individual insurance offer for your business needs, please contact UniCredit Insurance broker.
Repayment
The repayment of the granted amount can be carried out either by means on decreasing plafond, or as in some cases bullet repayment, depending on the financed transaction.
Sources of repayment of the loan can be of two types, depending on the purpose of the deal:
- Cash flow generated by the main activity of the Company - for general purpose loans
- Cash flow generated by the proceeds generated by the contract execution - for contract financing loans
Request a Call from Our Expert
Related Products
Cash Management
UniCredit Bulbank provides wide range of cash management products to its corporate clients.
Payroll
Service for payment of salaries to employees of legal entities and budget-supported organisations.
Financing
UniCredit Bulbank is financing the specific needs or your business, whereby the parameters of each funding arrangement are subject to negotiation.
Factoring
A complete set of factoring services and is capable of providing customized solutions according to the specific needs of your business.