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Loans under European and national programs

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Loans under the InvestEU program

with the support of the European Bank for Reconstruction and Development (EBRD)

  • Currency: EUR

  • Minimum loan term: 12 months

  • Maximum loan term: determined according to the type of loan

  • Deadline for including credits in the program: 10 December 2027

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Loan under the NGF

program

Provides credit with relaxed collateral requirements

  • Currency: EUR

  • Up to 15 years for investment loans

  • up to 6 years for working capital loans and bank guarantees

  • Security: mortgage/pledge, joint liability and other legally permissible securities.

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Loan under the EIF Invest EU Sustainability program

with the support of the European Investment Fund (EIF)

  • Currency: EUR

  • It stimulates the transition to a circular economy, investments in energy efficiency, renewable energy, organic farming and livestock, separate waste collection and others

  • Maximum loan term: determined according to the type of loan (up to 120 months)

  • Deadline for including credits in the program: 19 February 2027

Apply online
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Loan under the EIF Invest EU Competitiveness program

with the support of the European Investment Fund (EIF)

  • Currency: EUR

  • Minimum loan term: 12 months

  • Maximum loan term: determined according to the type of loan (up to 120 months)

  • Deadline for including credits in the program: 22 December 2026

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Frequently Asked Questions

Postbank uses various mechanisms to facilitate financing access for its business clients. One of these is the agreement between the bank and the "National Guarantee Fund" JSC, part of the "Bulgarian Development Bank" JSC group, which aims to provide small and medium-sized enterprises with loans under reduced collateral requirements - up to 50% of the granted loan amount.

  • Loans for investment needs
  • Working capital loans
  • Bank guarantees

  • Facilitated access to financing and improving business competitiveness;
  • Opportunity to implement investment projects, expand and/or modernise the business;
  • Opportunity to improve the quality of the produced goods and/or increase production capacity;
  • Optimising production costs.

Postbank is a preferred partner for clients seeking investment opportunities that support sustainable development and environmental protection.
The InvestEU 'green' portfolio guarantee program, supported by the European Bank for Reconstruction and Development, is an initiative of the European Union specifically aimed at investments in areas such as energy efficiency, renewable energy and sustainable transport.Its main objective is to support clients in implementing green, sustainable, and environmentally friendly investments and to assist in the transition towards greener and more sustainable business models.

  • Investment;
  • Turnovers - subject to further agreement with the Bank.

  • Easier access to funding;
  • Relaxed collateral requirements;
  • Opportunity to negotiate a long-term financing period (up to 10 years under the "no payment limit" programme and up to 15 years under the "payment limit" program).

The program for “green” portfolio guarantees can support the enterprise you manage in:

  • Investments in Renewable Energy Sources (RES);
  • Investments in energy efficiency projects in the building sector – renovation of existing buildings and construction of new high-performance buildings and residential buildings;
  • Investments in manufacturing and agriculture;
  • Investments in facilities for the separation, collection or recycling of waste;
  • Investments in the efficient use of resources - purchasing new or upgrading existing production capacities and installing new or replacing existing production lines;
  • Investments in a circular economy;
  •  Investments in sustainable transport - electric vehicles, charging infrastructure, public transport.

  • Promoting sustainable development and adaptation to the green economy
    •    Support for the transition to green business models
    •    Reducing environmental risks – adapting to new regulations and lowering the carbon footprint
    •    Increasing energy efficiency and reducing energy costs

The guarantee agreement concluded between Postbank and the European Investment Fund (EIF) under the InvestEU program aims to support sustainable growth and promote the competitiveness of small and medium-sized enterprises, as well as to contribute to the green transformation of the Bulgarian economy.

 

Competitiveness Direction

The Competitiveness Guarantee can support your enterprise in the following areas:

  • Enhancing competitiveness;
  • Stable growth and increased employment;
  • Increase in productivity, etc..

Direction of Sustainability

The Sustainability Guarantee can support the enterprise you manage in:

  • His transition to a circular economy;
  • Investments in the field of energy efficiency;
  • Production of energy-efficient products;
  • Investments in reducing the use of primary raw materials and/or increasing the use of secondary materials;
  • Investments in renewable energy;
  • Investments in organic farming and animal husbandry;
  • Construction of energy-efficient commercial or residential buildings;
  • Investments in waste separation and others.

 


•    Investment;
•    Turnover.

 

 

  • Facilitated access to funding;

  • Relaxed collateral requirements;

  • Attractive interest terms;

  • Up to 80% of the amount of the granted loan.

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