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.
Standard Investment Loan
Advantages
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Long term loan with a fixed duration and amount for financing of pre-defined investment needs.
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Used to finance corporate projects, purchase of fixed assets, real estate or construction. The installments are pre-agreed in the contract for the entire period of the loan.
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Grace period for the loan principal.
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VAT funding by providing additional structured working capital financing.
Whom is it Suitable for?
Organisations that have a need to finance an investment project:
- Local and foreign companies
- Public and financial institutions
Requirements
Criteria for Granting the Loan
Investment loan is a form of targeted funding, for which cost-proving documents are required.
For investment loans (over BGN 500,000) it is required to present a business plan and financial forecast (balance sheet and profit and loss statement for the duration of the loan, together with explanations of the business objectives and assumptions, on which financial forecast is based on.
Requirement for Self-financing Part of the Transaction
The bank requires the borrower to participate with its own funds up to a specified percentage - at least 20% of the total cost of the investment project without VAT. For some specific types of investment loans or in special cases it is reasonable to require a smaller part of self-financing.
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
Source of repayment is the cash flow generated from the proceeds of the financed investment, along with available resources related to the ordinary business of the borrower.
Frequently Asked Questions
The market appraisal should be renewed every year. The insurance must be maintained valid for the entire loan period.
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.